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  • Travel Insurance for Schengen Visa India

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    Europe’s virtually unsurmountable wealth of fascinations is its main allure: the origin of egalitarianism in Athens, the Renaissance art of Florence, the tortuous Venetian canals, the Napoleonic magnificence of Paris, and the multifaceted historic and ethnic canvas of other Schengen countries. They are more accessible to vagabonds than it has ever been. In the recent past, countries across the world have made strides to ease travel across borders, introduction of Global Entry stalls and visa waiver programs by some nations being a few examples. But that is not all. You need a right-fitting travel insurance as well.

    When roving around in any Schengen nation, you need to bear in mind that copious unforeseen expenses might crop up and hence formed the concept of Schengen travel insurance policy. There are numerous reasons why it is inevitable. It basically transmits to indemnifying you for potential medical outlays in case you get injured in an accident or fell ill unexpectedly when you are travelling in any Schengen nation. But nothing sums it up better than a significant excerpt from Regulation (EC) No 810/2009 of the European Parliament and of the Council in 2009, which is as follows.

    “… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.

    The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000”.

    More info if you are still fascinated…

    • Are you still speculating if you require a health cover when voyaging to an alien country? Unbelievable. Though it depends deeply on your chosen destination and the knack of individually covering any health care requirements during the brief spell there.
    • However travel insurable is a must for most folks, particularly the senior citizens and those with pre-determined medical illnesses that are sure to crop up now and then and require constant therapy. Same applies if your destination happens to be an underdeveloped or undeveloped area.
    • Aside from medical incidentals, travel insurance is designed to cover various losses sustained during the journey including those from one’s home country as well as globally. Unforeseen eventualities like lost baggage, cancellation of trip in the eleventh hour, travel agency or hotel insolvency will most certainly bomb your tour. Hence Schengen travel insurance plan is intended to deliver cancellation cover by means of complete or partial reimbursements.
    • Whether you are travelling once or many times during a brief period of time, the travel insurance plan will match and cover the precise number of the days spent in any international region with the costs and premiums varying accordingly.

    Who is a Travel Insurance for Schengen Visa targeted at?

    Any individual going off (by oneself or as part of a group) to one or more Schengen countries for a short spell from any nation that is bound by visa requirements must buy one. The purpose of the trip could be leisure or business. These days with numerous competitive insurance providers as well as comparison websites that give you instant quotes, it is easier to buy one online without the hassle of umpteen discussions with agents.

    Who provides travel health insurance?

    In the first place, the health insurance policy that you might already own thanks to the current occupation contract will probably cover global medical emergency expenditures. But there are customarily precincts to this offer and therefore you must be well aware of what to anticipate and what not to when going through a medical emergency situation when in a Schengen country.

    Usually holidaymakers obtain a separate travel insurance plan for just the exact number of days they intend to spend overseas because every extra day can cost you. Most importantly, you should ensure that the firm you opt for is registered and recognized in the Schengen territory as well. There are a few reasonably priced as well as reputed ones referred by the Embassy itself. You may also cancel the policy and have all your money refunded if your visa application gets rejected.

    Help yourself to some helpful Schengen Travel Insurance pointers:

    • As reiterated above, prior to buying yet another travel insurance plan for your imminent journey, please ensure that the one you have now does not indemnify or assuage any global medical emergency outlays.
    • In case your travel policy does cover some overseas medical expenses, go through the fine print, especially limitations and restrictions to the scheme carefully. You really do not need a nasty shock on top of the unfortunate event at the time.
    • Exploring Schengen regions on wheels has become quite popular with travel aficionados these days. But you never know what can happen on the road – good or bad. If you are roving around the countryside by car, it is better to take that smart step and buy a combo insurance deal that will take care of any third party liability as well.
    • Based on your chosen Schengen destination, the risk of infection differs with the fluctuations in the weather or the natural habitation (unfamiliar microbe residents). It is greatly recommended for those with preexisting illnesses like pollen allergies to carry their latest medical records including prescriptions with them.

    Schengen Visa Travel Insurance Inclusions:

    • A medical emergency situation caused due to an accident or illness while travelling in a Schengen nation.
    • If the insured needs to be evacuated immediately.
    • Repatriation of mortal remains
    • If a minor has to be returned to his/ her home country.
    • In case the whole trip is cancelled or interrupted due to no fault of yours.
    • Benefits for accidental demise, injury or disability (temporary or permanent) caused due to it.
    • International funeral expenditures.
    • If you lose or damage your luggage, personal belongings or essential travel papers.
    • In case the baggage is delayed for more than 12 hours after checking-in, then essential items such as toiletries, clothes etc. will be replaced.
    • Being robbed of important possessions.
    • If you miss your connection flight due to goof up of schedules.
    • If your trip is delayed owing to bad weather.
    • Hijack distress
    • Normally, the insurance providers offer cover against pregnancy related expenditures, if the trip happens within the first three months. But the same may not be offered for the second and the third trimester and can vary accordingly.

    What is ostensibly omitted or optional in most Schengen travel insurance plans?

    • Almost all travel insurance firms offer aforementioned basic covers but you can get customized riders on extra premium. You are expected to buy the following extra covers if necessary.
    • Pre-existing conditions (like cardiac problems, hypertension, asthma, diabetes)
    • Any adventurous sports with some amount of risk associated with it (like fast biking, sea sports, mountaineering etc.)
    • Travelling to nations listed as high-risk (due to terrorist activities, war, natural calamities etc.)
    • Severe onset of any pre-existing illness even after the doctor assured that it will be in control.

    Travel Insurance for Schengen Visa in India - Exclusions, limitations, restrictions:

    • As pointed out before, there are insurance carriers that simply do not offer cover for a previous health condition in any domain abroad.
    • In case you are already suffering from a condition preceding your departure (like Asthma) and are already diagnosed with it, your insurer will refuse to alleviate any related medical bill incurred overseas.
    • If you are declared perfectly fit to voyage after getting an OK from the doctor that the condition is under control, then you do have the right to get expenses due to any sudden medical emergency reimbursed.
    • Your thrill-seeking nature can gift you with a wealth of experience and tales. But insurance firms generally do not look kindly on it. Taking part in heavy-risky activities and extreme sports such as bike stunts, skydiving, aqua sports and more are certainly out of the list unless you are willing to pay additional premium for it.
    • You know a war is going on in the place or it is rife with political unrest. Most insurance firms will flatly refuse covers for any kind of harm or injury because you chose to go to an imperiled war zone.
    • Every policy comes with a specific period attached to it. If the incident due to which you are making a claim happened in the said time frame, there is nothing to fear. Else it is rejection. Also, prices of policies vary according to the tenure you select.
    • Suicide, attempt to suicide or self-inflicted injuries – Insurance companies show no mercy if there is slightest evidence towards any or more of these three when cross checking a customer’s claim. No matter what kind of insurance or where you buy it from, these reasons are solid exclusions.
    • For some, a trip overseas is unimaginable without some doze of intoxication. How heavy that intoxication is and what trouble you are likely to get into while in that state is the question here. Drunk driving, getting into a spot of fix with the law etc. in such a state will never be covered by any policy let alone a Schengen Travel Insurance.

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    Travel Insurance for Schengen Visa India Reviews

  • Page 1 of 2 1 2
    • review Travel Insurance
      "Good protection for luggage"
      0.5 4.0/5 "Great!"
      I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 07, 2018
    • review Travel Insurance
      "Enjoy your travel experience without any fear. "
      0.5 4.0/5 "Great!"
      I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • review Travel Insurance
      "travel insurance is very nice"
      0.5 3.5/5 "Pretty good"
      i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 26, 2018
    • review Travel Insurance
      "Worst Insurance provider ever "
      0.5 0.5/5 "Unacceptable"
      Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
      Was this review helpful? 1
      , madurai
      Reviewed on Oct 31, 2018
    • review Travel Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 16, 2018
    • review Travel Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 04, 2018
    • review Travel Insurance
      "Claim was rejected becuase of unnescceary reason"
      0.5 0.5/5 "Unacceptable"
      I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 26, 2018
    • review Travel Insurance
      "Very easy to get."
      0.5 5.0/5 "Blown Away!"
      It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
      Was this review helpful? 1
      , thane
      Reviewed on Oct 09, 2017
    • review Travel Insurance
      "Good for travelers"
      0.5 4.0/5 "Great!"
      Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 31, 2017
    • review Travel Insurance
      "RELIGARE HEALTH Travel Insurance"
      0.5 4.0/5 "Great!"
      Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 19, 2017
    • review Travel Insurance
      "Pathetic disbursal policy- rather not take an insurance"
      0.5 0.5/5 "Unacceptable"
      Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
      Was this review helpful? 11
      , kolkata
      Reviewed on Mar 03, 2017
    • review Travel Insurance
      "Fantastic experience"
      0.5 5.0/5 "Blown Away!"
      Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
      Was this review helpful? 4
      , gurgaon
      Reviewed on Jan 15, 2017
    • review Travel Insurance
      "Excellent services"
      0.5 3.0/5 "Satisfactory"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 27, 2016
    • review Travel Insurance
      "Religare only want new business - good luck with renewal"
      0.5 0.5/5 "Unacceptable"
      Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 24, 2016
    • review Travel Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I am having the travel insurance policy with the Tata AIG general insurance company and I used to get it while am going abroad. Coverage value is depends on the country where am going, also they are providing coverage for my luggage.
      Was this review helpful? 6
      , bangalore
      Reviewed on Apr 16, 2016
    • review Travel Insurance
      "Really good"
      0.5 4.0/5 "Great!"
      I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 19, 2016
    • review Travel Insurance
      "Wonderful..."
      0.5 5.0/5 "Blown Away!"
      If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
      Was this review helpful? 3
      , bangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "Don't buy reliance"
      0.5 0.5/5 "Unacceptable"
      Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
      Was this review helpful? 12
      , mangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "compulsory for travellers..."
      0.5 4.5/5 "Excellent!"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 7
      , thane
      Reviewed on Nov 28, 2015
    • review Travel Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      The service offered by ICICI Two wheeler insurance is fine. I am holding this two wheeler insurance since 2010. The returns are not good the money value is less. One thing I would like to say the claim experience policy was very lengthy and they were unable to refund a particular amount.
      Was this review helpful? 4
      , chennai
      Reviewed on Oct 01, 2015
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