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Before you immerse yourself in the charm of the Schengen countries, you must consider the crucial aspects of applying for a Schengen visa. One such essential part of the visa is travel insurance.

New Delhi: The Schengen area in Europe captivates the visitors with its breathtaking landscapes, diverse culture and rich history. However, before you immerse yourself in the charm of the Schengen countries, you must consider the crucial aspects of applying for a Schengen visa. One such essential part of the visa is travel insurance.

So, if you plan to visit the Schengen countries for your next international gateway, this guide will explain everything you need to know to secure the best Schengen travel insurance.

Is Schengen Travel Insurance Mandatory to Purchase?

Yes, it is mandatory to purchase travel insurance for a Schengen visa. This is because the Schengen area features a policy of having a standard visa to visit all 29 member countries. Thus, having a comprehensive travel insurance plan is a non-negotiable requirement to ensure maximum protection for the host nations and the travellers.

What are the Steps to Purchase Schengen Travel Insurance Online?

You need to follow a few simple steps to purchase a Schengen travel insurance online, which includes the following:

Step 1: Visit the official website of the travel insurance company from which you want to buy the Schengen travel insurance. You can also download their personalised mobile application and log in to your account with your credentials.

Step 2: Select a plan from the available options.

Step 3: Customise the plan per your travel requirements to receive tailored coverage for your trip.

Step 4: Enter your trip’s start and end dates to the Schengen country.

Step 5: Select the kind of coverage you wish to receive.

Step 6: Carefully fill in details about yourself and your travel companions to the Schengen countries.

Step 7: Pay online using one of your preferred modes and instantly receive coverage.

How do you Claim Coverage Under a Schengen Travel Insurance Plan?

Raising a claim online requires just a few steps for two different purposes, as mentioned below.

Insurance for Medical Care

If you are raising claims to cover your medical expenses, you need to follow the given steps:

Step 1: You need to immediately email your travel insurance provider. You can also inform them about the claim by calling their customer service number for medical coverage.

Step 2: Once you inform them about the situation, they will send a list of hospitals in the Schengen country where you can avail cashless medical treatment.

Step 3: After you receive the necessary medical attention, your travel insurance provider will settle the hospital bills directly with the hospital.

Claim for Additional Cover

In case you wish to raise a claim asking for additional coverage, you can refer to the following steps for the same:

Step 1: Instantly email your travel insurance company. You can also inform them about the claim by calling their customer service number for medical coverage.

Step 2: Once you contact them, they will ask for the invoice and bills to review your request. Send them the necessary invoice.

Step 3: After they review your invoice, you will receive the refund in your bank account within a few days.

What are the Factors to Keep in Mind When Selecting Schengen Travel Insurance?

To get a Schengen visa for Indians, you must have a suitable travel insurance policy. Here are a few factors you can consider to select the best plan for your trip:

• Medical Coverage: You must ensure your travel insurance plan has a minimum coverage of 30,000 Euros, sufficient to cover all medical expenses, including hospitalisation costs.

• Activities Covered: It should also cover any financial loss you might experience due to trip cancellations, flight delays, natural disasters, etc.

• Insurer Reputation: To ensure maximum reliability and protection, you must choose travel insurance companies with a decent reputation in the market.

• Budget: The pricing structure of the plan should align with your budget, enabling you to manage your finances better.

Final Words

Henceforth, it is important to understand the significance of securing a travel insurance plan for a trip to a Schengen country. It is not only a financial net but a compulsory expense, which eventually increases the chances of your visa approval. So, make sure to take your time, research, and invest in a suitable Schengen travel insurance policy.