Yes, it is. At least for most of Europe. Because the majority of European countries today are in what’s known as the Schengen zone (including popular destinations like France, Italy, Greece, Portugal, Spain, but dozens of other nations too).

- To legally enter any Schengen country, Indian nationals need to have a Schengen visa.

- One of the first mandatory requirements for being granted a Schengen visa is having proper Schengen travel insurance.

→ Schengen travel insurance is mandatory for Indian nationals

IMPORTANT: Europe versus Schengen

Keep in mind that of Europe’s roughly 50 nations, the majority are both European Union and Schengen countries. However, more than a dozen are not (i.e., Albania, Belarus, Georgia, Serbia, Türkiye, etc.).
And European countries not in the Schengen will obviously have their own visa and travel insurance obligations.

PRO TIPS: But fear not, because AXA can tell you all about:

• Which European countries are not in the Schengen Area
• The differences between Europe, the EU, the EEA, and the Schengen Zone?

• Be sure to double-check with the European Commission and the official website of your European destination country before booking that flight too!

How do I get a Schengen visa from India?

So, again, to enter most of Europe, Indian passport-holders do indeed need a Schengen visa. And, therefore, the appropriate Schengen travel insurance (which you’ll find below!).

Fortunately, AXA can help you start your visa application process online from India in no time too!
Just follow our simple, comprehensive, step-by-step guide*: How to easily obtain a Schengen visa from India

*It also includes links on how to apply to specific Schengen countries too!

BONUS PRO-TIPS: Quick Answers to Key Questions

Types of Schengen visas available
Getting a Schengen visa application form from India
Cost of a Schengen visa from India
Processing time for a Schengen visa from India

IMPORTANT NOTE:
Know that even with the Schengen visa, you can only stay in the Schengen Zone for up to 90 days in any 180-day period.
To stay longer in Europe, you’ll need further proper documentation — such as a ”Long-Stay” aka Type D/National visa or a residence permit.

What are the travel insurance requirements for a Schengen visa from India?

For the Schengen authorities to accept your visa application from India, the European Commission stipulates that your travel insurance plan:

• be purchased from an insurance company validated by the consular authorities of all Schengen countries
• have a minimum coverage of €30,000 in medical expenses (including hospitalization, emergency treatment, and so on)
• cover repatriation (including in case of death)
• cover you in all the Schengen member countries
• be valid for the entire duration of your stay in the Schengen Area

Key points to remember

• Schengen visa travel insurance cannot be purchased from embassies, consulates, or visa application centers.
  It must be taken out with a private insurer offering Schengen-compliant policies.
• It must be purchased before starting your visa application, as the insurance certificate is one of the mandatory supporting documents.

GOOD TO KNOW!: But rest assured that not only do all of AXA’s plans meet the EU criteria above, but your proof of insurance will also be provided instantly, online, upon purchase!

What does AXA Schengen visa insurance cover?

With AXA, you get a plan that:

• Meets all the criteria required by the Schengen/EU for being granted a Schengen visa
• Is accepted by all Schengen embassies, consulates, and visa application centers in India and worldwide
• Offers a quick and easy online subscription
• Provides a world-recognized, decades-trusted instant travel insurance certificate (instantly, and all online too!)
• Covers you and your loved ones across all Schengen countries + all European Union countries + the United Kingdom (see plan options below)
• Offers a full refund in case your Schengen visa application is denied

Key benefits of AXA Schengen Travel Insurance for your stay in Europe

AXA plans also have no age limitation, zero deductibles, and require no medical exams. Plus, along with the peace of mind of being backed by a world-renowned Schengen travel insurance brand, you get:

• Coverage of medical costs of up to €2 Million
• Repatriation coverage (including in the event of death)
• Civil liability and personal liability insurance
• Death and disability coverage
• Baggage insurance (either included or optional - see plans below)
• Upgrade options: baggage protection, higher medical coverage.
• Coverage options for one day, up to six months, or even an entire year
• 24/7 emergency assistance
• Doctor, Please! - our free remote medical consultation in English (and a number of other languages)

And countless other benefits to make your journey from India to Europe as safe, legal, and smooth as can be!

Which AXA Schengen travel insurance plan from India is right for you?

Well, here’s just a glimpse of the various coverage options we have for your upcoming India-to-Europe journey (PRO-TIP: A glimpse - so click on each plan to learn more!)

• AXA SCHENGEN BASIC: our most standard coverage, meeting all EU/Schengen visa requirements and covering you in all Schengen countries + 4 European microstates (San Marino, Andorra, Monaco, and Vatican City).
• AXA SCHENGEN ESSENTIAL: complete European coverage, also meeting all EU/Schengen visa requirements while covering you in all Schengen countries, all EU countries, the European microstates above + the UK!
• AXA SCHENGEN PREMIUM: our all-inclusive coverage offers countless premium benefits, meets all EU/Schengen visa requirements, and also covers you in all Schengen/EU countries, all the European microstates, and the UK.
• AXA SCHENGEN ANNUAL: our yearly plan is perfect for multiple-entry Schengen visa applicants and/or frequent travelers to Europe. It meets all visa requirements and provides coverage across all Schengen/EU countries, the microstates, and the UK — all under a single contract for a full year!

With all the unique options above, you’re sure to find a plan that works best for you and your family from India to Schengen and beyond!

PRO TIPS: Be sure to take a minute to also:

How much does AXA Schengen visa insurance cost?

There’s definitely a plan or two that caters to your specific budget too!

For example:

• If you just need the basics covered, AXA BASIC starts from €4.90 per day.
• For stronger medical limits and extra peace of mind, ESSENTIAL starts from €8.90 per day.
• For travellers who want the all‑inclusive PREMIUM plan starts from €23.90 per day.
• And frequent flyers from India can lock in an ANNUAL option for about €350 for a full year of covered trips.

Please note: Prices are provided for information purposes only and may vary depending on your profile, length of stay, and selected coverage.

Good news!
1- The daily rate decreases with the length of your trip.
The longer you stay in Europe, the cheaper your AXA Schengen insurance becomes!

2- While medical costs across Europe differ greatly, AXA’s plans don’t discriminate based on your Schengen destination

3- So take a look at our detailed, comprehensive guide to see the specific math and numbers that work best for you and your family: AXA Schengen travel insurance costs

Cheapest & Best Value Schengen Travel Insurance from India

AXA prioritizes dependable assistance before, during, and after your European trips while keeping premium costs minimal for policyholders.

Low price without cutting corners on protection!

• The ESSENTIAL plan delivers full coverage at budget rates:
  • Medical expenses up to €100,000 (extendable to €250,000)
  • Medical repatriation
  • 24/7 medical assistance
  • Optional comprehensive baggage insurance
• The ANNUAL plan is perfect for frequent Europe travelers.
  One purchase covers all trips under 90 days for an entire year — maximum value!

How to get your Schengen visa insurance certificate instantly online?

Instant Schengen Certificate: Your Simple 3-Step Process:

1. Choose the best AXA Schengen insurance plan for your European trip.
2. Buy your policy online for your visa application.
3. Receive your certificate instantly by email — ready to download and attach to your file.

PRO TIPS

• Purchase early: AXA refunds if your visa is denied, so you can prepare stress-free.
• Full guide: Get your travel insurance certificate instantly

5 easy steps to get your online travel insurance plan from India

So now that you know all the deets, here’s a step-by-step summary of how to get your travel insurance plan online from India in no time.

All you need is an internet connection and your personal paperwork (IDs, itinerary, credit card), and then simply:

• STEP 1: Choose the AXA plan above that best suits your needs
• STEP 2: Request your free online AXA quote
• STEP 3: Submit your personal info and payment method/details when prompted
• STEP 4: Purchase your AXA plan online, instantly
• STEP 5: Receive your world-renowned AXA insurance certificate* instantly too (via email)

And that’s it! You now have a first-class travel insurance plan at your back. Which means that you’re officially ready for both your Schengen visa appointment and your subsequent European adventure!

IMPORTANT: Make sure that all your personal info is correct, save (and/or print) your travel insurance certificate PDF and policy number, and you’re good to go!

Can I get a refund on my online travel insurance if my Schengen visa is refused?

Yes! Because even though all of AXA’s plans are fully compliant with the EU/Schengen travel insurance requirements above, there’s really no way of knowing whether your visa from India will be granted or not.

And while you can’t get your visa application fee back, AXA will indeed gladly provide a full refund. And what’s more, you won’t need to leave home to get your money back either!

How to get my AXA refund online from India?

You’ll just simply need to:

• IMPORTANT: Request and obtain an official refusal letter (and/or document) from the appropriate Schengen embassy or consulate
• Go to AXA’s Refund: Visa refusal page
• Email us all the necessary details (i.e., your full name, policy number, email address, and the refusal letter above)

And if all is well, the reimbursement is generally processed within 14 days via the method used for the initial payment (i.e., credit card).

In short, you’ve literally got nothing to lose - and nearly an entire continent to gain! One that you and your family can now explore with the priceless peace of mind, confidence, security, and 24/7 support that AXA has provided millions with for decades (all across Europe and beyond).

So safe travels!

Related articles :

• How can I get Schengen travel insurance for Spain from India?
• How can I get Schengen travel insurance for Germany from India?
• How can I choose the best Schengen travel insurance for my trip?
• New rules for travelling to Europe this yea

FAQ

What is the best AXA Schengen insurance plan to buy online from India for a family trip to Europe?

For families, AXA ESSENTIAL offers the best value online. It includes repatriation for all and meets family visa needs without extras, for example. Just add your little ones easily during checkout!

What if my European trip from India includes the UK — does AXA online Schengen insurance cover it?

Yes! Even though the UK isn't in the Schengen, AXA’s ESSENTIAL, ANNUAL, and PREMIUM plans all include UK coverage!

Which European countries grant the most Schengen visas for Indian nationals?

Depending on your particular situation, some parts of Europe are harder to get to than others. And AXA can tell you all about which are the easiest countries to get a Schengen visa from too!

What should I do if I’m injured or ill in Europe?

In case of an emergency, contact the AXA call center.Our medical professionals are standing by to guide you, answer your questions, and provide 24/7 support!
IMPORTANT: When calling, you’ll be asked to provide your policy number (starting with "SCH"), contact details, and dossier number (given during the first call).
Not an emergency? Just use our digital medical assistance tool (also available 24/7).