Travelling to Europe is an exciting experience, but if your journey involves the 27 countries of the Schengen Area, obtaining the right Schengen travel insurance is a must. This insurance isn’t just a visa formality—it’s an essential safety net. To help Indian travellers better understand what Schengen travel insurance entails, this guide explores its coverage and limitations, ensuring your European adventure goes smoothly.
What is Schengen travel insurance?
Schengen travel insurance is a type of travel policy mandated by the Schengen Area for anyone applying for a Schengen visa. The policy is designed to cover medical emergencies and unforeseen incidents while you travel across these European countries. The insurance must meet specific criteria:
- Minimum medical coverage of €30,000.
- Coverage across all Schengen countries for the entirety of your stay.
- Inclusion of repatriation due to severe medical issues or death.
What does Schengen travel insurance cover?
While the exact coverage can vary by insurer, most Schengen travel insurance plans include a comprehensive set of benefits. Here’s what you can typically expect:
a. Emergency Medical Expenses
This is the core feature of any Schengen travel insurance plan. It covers costs related to emergency medical treatment due to illnesses or injuries during your stay in the Schengen Area. The policy ensures that you receive appropriate care without financial worry.
b. Hospitalisation
The insurance covers hospital stays, including surgeries and necessary treatments. This is essential as healthcare expenses in Europe can be significantly higher compared to those in India.
c. Repatriation Costs
If a medical emergency necessitates your return to India, Schengen travel insurance covers the cost of repatriation. This includes air ambulance services if required.
d. Accidental Death and Repatriation of Mortal Remains
In case of accidental death during your trip, the insurance provides for the repatriation of your mortal remains back to India.
e. Dental Emergencies
Some policies offer limited coverage for emergency dental treatment, ensuring you can address sudden toothaches or dental injuries.
f. Trip Disruption
Certain policies extend to covering trip disruptions, including cancellations and delays due to health reasons. This aspect can be particularly beneficial if unforeseen circumstances alter your travel plans.
g. Loss or Theft of Documents and Belongings
Coverage may include reimbursement for lost or stolen passports, baggage, and other essential travel documents.
What isn't covered by schengen travel insurance?
Understanding what your Schengen visa travel insurance does not cover is just as crucial as knowing what it does. Here are common exclusions:
a. Pre-existing Medical Conditions
Most Schengen travel insurance India policies do not cover pre-existing medical conditions unless explicitly stated in the policy. This means if you require treatment for a condition you already had before travelling, expenses may not be reimbursed.
b. Non-Emergency Treatments
Routine check-ups and non-urgent medical treatments are typically not covered. The insurance focuses on sudden, unforeseen medical needs rather than planned medical visits.
c. High-Risk Activities
Adventurous travellers should be cautious: activities like skiing, skydiving, or other extreme sports are often excluded from standard coverage. Special add-ons or separate policies may be required for such activities.
d. Alcohol and Drug-Related Incidents
Any incidents or medical conditions resulting from alcohol or drug consumption are excluded from Schengen travel insurance. Travellers should remain aware of this clause, as it can significantly affect claims related to accidents.
e. Deliberate Acts
If an incident occurs due to reckless or intentional acts (e.g., self-harm or engaging in illegal activities), the insurance provider will not cover related expenses.
f. War and Terrorism
Most travel insurance policies exclude coverage for events linked to war, terrorism, or civil disturbances. Any medical or travel-related incidents arising from such events will typically not be compensated.
g. Natural Disasters
Coverage for events such as volcanic eruptions or earthquakes may not be included, unless the policy specifies this type of protection.
Key points to consider when choosing Schengen travel insurance in India
For Indian travellers seeking Schengen travel insurance India, a careful evaluation of policy details is essential:
- Ensure Comprehensive Coverage: Verify that your policy covers the mandatory €30,000 and includes key benefits like emergency hospitalisation and repatriation.
- Review Exclusions: Always read the fine print to be aware of what is not covered. Understanding the exclusions will help you manage expectations and plan better.
- Compare Providers: Leading insurers like Niva Bupa, Bajaj Allianz, HDFC ERGO, and Tata AIG offer varied plans, so comparing their coverage, exclusions, and claim processes is advisable.
- Check Claim Settlement Ratios: Opt for a provider with a high claim settlement ratio to ensure smooth and reliable service.
Conclusion
Securing comprehensive Schengen travel insurance is not only a visa requirement but a smart way to safeguard yourself during your European travels. While the policy covers crucial aspects like emergency medical expenses, hospitalisation, and repatriation, being aware of its limitations—such as exclusions for pre-existing conditions and risky activities—helps set realistic expectations.
For Indian travellers, choosing a trusted provider like Niva Bupa, followed by Bajaj Allianz and HDFC ERGO, ensures you meet all visa criteria while benefiting from top-notch coverage. Always read the policy terms carefully and select a plan tailored to your specific travel needs for a hassle-free and enjoyable European journey.
