What travel insurance do I need when visiting the Schengen Area from India?
Do Indians need a Schengen Visa and travel insurance to enter Europe?
Indian citizens need to apply for a Schengen Visa in order to enter any of the Schengen Area countries. To obtain this visa, you will need travel insurance that complies with certain criteria.
What do I need from my travel insurance?
When traveling to the Schengen Area from India, your travel insurance can include numerous coverage options, but it is compulsory to have some cover to receive a Schengen Visa. At the very least, the policy must cover repatriation in the event of serious accident or death and potential medical costs, up to a minimum of €30,000.
Happily, AXA provides a number of insurance options tailored to meet these criteria that you can buy to ensure you are covered when applying for a Schengen Visa.
What are my options when buying travel insurance?
For those on a tighter budget or who want basic coverage, AXA provides Low Cost Schengen Area travel insurance that meets your visa requirements from as little as €0.99 per day. The policy will cover you for medical expenses up to €30,000 in all Schengen countries and offer you coverage in case of repatriation. A certificate proving you are insured will be available immediately, meaning you can get on with your application.
As the number one brand for Schengen Visa travel insurance, AXA also offers other options and tailor-made products. For instance, there’s the Europe Travel insurance, costing €1.50 per day. It’s perfect for those traveling with family as it covers children under the age of 18, or for those planning more adventurous activities during their trip, as it covers expenses up to €100,000. With this type of policy, you may also be covered for loss of documents or important items, as well as other problems you might encounter.
Schengen Multi Trip insurance, perfect for regular travelers, is available for €298 for a year’s coverage and has the same benefits as Europe Travel but can be used throughout a year on multiple trips. It’s perfect for business travelers who need comprehensive coverage to ensure their trips aren’t disrupted by any mishaps.
All of AXA’s travel insurance plans offer you peace of mind, allowing you to enjoy certain guarantees in the event of hospitalization, assistance for solo travelers, an extension of your stay, daily compensation, and much more.
If your visa is refused, AXA will refund your insurance fees in most circumstances but you will need documentation from officials showing why your application was turned down.
Information on applying for a Schengen Visa from India
If you are applying for a Schengen Visa from India, please be aware that there are different visa types depending on your purpose of travel. You can obtain standard short-stay visas, lasting for trips up to 90 days, to be taken within a 180-day period. Multiple-entry visas, or work or study visas, cover you for longer periods. You should file your application no more than six months before you plan to travel, and no fewer than 15 days before departure to allow time for processing, and book an appointment at a visa application center. These are located in most major cities, with embassies and consulates generally found in New Delhi, and application centers in places including Mumbai, Bengaluru, and Chennai.
You will also need to fill in a Schengen Visa application form, which you can download here: AXA Schengen Visa Application
The form should also be available from the consulate or visa application center representing the country you plan to apply to.
What other documents are required?
You will need a number of documents when applying for your Schengen Visa. These include a passport, two recently taken passport-style photos, travel and medical insurance covering you up to costs of €30,000, evidence of legal residence in India, a cover letter stating your itinerary and the purpose of your visit, as well as a flight itinerary, proof of accommodation, and proof you have means of subsistence during your stay.
You will need to submit biometric data at your interview - including your fingerprints. If traveling for anything other than tourism purposes, or if you are staying with friends and family, you will also need a letter of invitation.
Other countries who need a Schengen visa
- What travel insurance do I need when visiting the Schengen Area from Colombia ?
- What travel insurance do I need when visiting the Schengen Area from Mexico ?
- What travel insurance do I need when visiting the Schengen Area from Peru ?
- What travel insurance do I need when visiting the Schengen Area from China ?
- What travel insurance do I need when visiting the Schengen Area from The Philippines ?
- What travel insurance do I need when visiting the Schengen Area from Thailand ?
- What travel insurance do I need when visiting the Schengen Area from the U.K. ?
- What travel insurance do I need when visiting the Schengen Area from Jamaica ?
Frequently asked questions about travel insurance
What happens if I submit the wrong information on my Schengen insurance form?
All the information you give us must be accurate to the best of your knowledge and belief and it’s your responsibility to make sure that it’s updated if it changes. Insurance companies can cancel policies- declare them void- and refuse to pay out if the information is not correct. If an inaccuracy is deemed deliberate you may also face a fraud investigation.
Can I buy AXA’s Schengen travel insurance from a broker in India?
No. It is only available to buy via this website.
Do I need to declare any pre-existing conditions when taking out travel insurance?
Yes you do- and AXA has made it easy for you to do so by answering a few quick and confidential questions during the quote process. This means we should be able to make an offer that covers the conditions you have declared. Claims relating to undeclared conditions will not be covered.