What is a Schengen Travel Insurance Policy?
Schengen travel insurance policy is a compulsory travel medical insurance for visiting Schengen countries. This area-specific travel insurance protects you against a wide range of medical and other emergencies during your Schengen trip. A Schengen travel insurance plan offers coverage for emergency medical hospitalisations, accidental medical expenses, passport loss, baggage loss, luggage delay and other travel-related contingencies.
Just as you need an American Visa to visit the USA, you need to have a Schengen Visa to visit Schengen countries. You’re required to submit some documents to initiate the Schengen Visa application process. One of these documents includes Travel Insurance for Schengen Visa, which allows you to move freely in Schengen countries. It ensures that you have the compulsory minimum medical coverage of EUR 30,000 to secure you in case of medical emergencies.
Our Reliance Travel Care Policy: Schengen Plan provides coverage for medical emergencies, passport loss, baggage delays, baggage loss, personal accidents and liabilities, accidental death and compassionate visits. It is your trusted #TravelKaYaar for a worry-free and seamless trip in the Schengen Zone. Unlock the doors to hassle-free exploration in the Schengen countries with Reliance Travel Care Policy: Schengen Plan today!
Why Do You Need Schengen Travel Insurance?
It is mandatory to have travel insurance and Schengen Visa to move freely in any of the Schengen countries. Besides this compulsion, it is important to buy Schengen travel insurance to cover yourself from unforeseen circumstances during your trip. Here are some of the reasons why you need to get Schengen Travel Insurance from Reliance General Insurance:
Coverage for Personal Items
Lost luggage or stolen belongings shouldn't steal the joy from your Schengen trip. Reliance Schengen travel insurance plan provides a cover of up to EUR 300** to help you deal with situations like passport loss. In case of checked-in baggage delay or baggage loss, it helps you buy or reimburse the cost of purchasing necessary emergency personal items like toiletries, medication and clothing.
Protection During Medical Emergencies
Imagine you fall sick during your trip to Paris and need medical assistance. In such scenarios, Schengen travel medical insurance policy will cover medical expenses up to EUR 50,000**. This includes medical hospitalisation for any sudden illness or injury or COVID-like conditions, the cost of transportation to reach the nearest hospital or physician, accidental dental treatment and repatriation of mortal remains.
Coverage for Event Contingencies
If you accidentally injure or cause damage to a third party during your trip, Schengen travel insurance policy will help you to offer compensation of up to EUR 50,000** for third-party liabilities and damage. This will help you to travel worry-free and enjoy your trip to the fullest.
Benefits of Buying a Schengen Travel Insurance Plan
It is quite exciting to visit the Schengen countries – be it for personal business or leisure. More than just getting the mandatory travel insurance for Schengen Visa, you need to buy a Schengen travel insurance policy to protect you in case of unforeseen emergencies. Our Reliance Travel Care Policy: Schengen Plan offers a range of benefits to ensure you have a wonderful trip:
Coverage for Lost or Delayed Baggage
We won’t let anything ruin your Schengen trip – not even delayed or lost baggage. Our Schengen travel insurance policy provides compensation of up to EUR 500** in the unfortunate event of the total loss of your checked-in baggage by a common carrier. It also reimburses up to EUR 100 for purchasing necessary items like medications, clothing and toiletries in case of baggage delays.
Support for Passport Loss
Anything can happen when you’re not careful – you may misplace your passport or even lose it. Worry not. Reliance Travel Insurance for Schengen provides reimbursement of up to EUR 300** to help you get a duplicate or fresh passport if you lose your passport during your Schengen trip.
Medical Emergency Cover
Our Schengen travel medical insurance plan will take care of all your emergency medical expenses incurred during your Schengen vacation or stay. It will provide coverage of up to EUR 50,000** to help deal with emergency hospitalisation bills, transportation costs incurred for hospitalisation, and repatriation of mortal remains.
Nothing is worse than contracting the COVID-19 virus on your international trip. Reliance Travel Insurance for Schengen will help you take care of your medical hospitalisation and medical bills (up to the limits specified in the policy schedule) in case you’re diagnosed with this virus during your trip.
Third-Party Liability Cover
Accidents happen and sometimes you might involuntarily hurt or injure someone. Our Schengen travel insurance policy offers compensation of up to EUR 50,000** to help you cover any third-party liability/damages caused by you during your Schengen stay. Specifically, it provides coverage if you accidentally injure a third-party or damage their properties.
Our Schengen travel medical insurance policy also offers the compassionate visit cover** to help you during emergency hospitalisation abroad. Suppose you’re travelling solo and get hospitalised for more than seven consecutive days during your Schengen trip. Our travel insurance plan for Schengen will ensure that you’re not left alone and arrange for one of your family members to be with you during your hospital stay.
Features of Reliance Schengen Travel Insurance Policy
Reliance General Insurance offers two plans under its Schengen travel insurance policy. Our Basic Plan is created for travellers looking for a Schengen travel insurance policy that offers the mandatory minimum medical coverage of EUR 30,000. However, if you’re someone who is looking for comprehensive protection for your Schengen trip, then our Standard plan is perfect for you. Check the below table to understand the different types of covers offered under our Schengen travel insurance plans:
Basic Plan (in EUR)
Standard Plan (in EUR)
Medical Expenses including transportation and evacuation
Loss of Passport
Total Loss of Checked-in Baggage##
Delay of Checked-in Baggage
Accidental Death - Common Carrier
Return fare for any one companion in person - spouse/ child/family doctor
Note: The covers mentioned above are subject to deductibles. Please read policy wording, brochure and prospectus for more information.
What’s Covered under Reliance Schengen Travel Insurance Plan?
Reliance Schengen Travel Insurance Policy covers the following:
Accidental bodily injury during the trip
Acute anaesthetic treatment of teeth due to an injury on your Schengen trip
Emergency expenses made for medical evacuation to India
Total loss of your checked-in baggage by a common carrier
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Emergency medical expenses incurred by you for any sudden illness, injury or death during your Schengen stay or vacation
Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier
Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days
Expenses incurred while transporting the insured’s mortal remains back home or toward burial abroad in case of an untimely demise
Compensation for a third party in case your involuntary actions result in someone’s demise, cause someone injury or damage to health or property
What’s Not Covered under Reliance Schengen Travel Insurance Plan?
Here’s a list of exclusions for your Schengen Travel Insurance Policy:
Expenses incurred if you are traveling against the advice of a physician and have to be hospitalised; receiving or are on a waiting list for specified medical treatment; travelling to receive treatment abroad; have been given a terminal prognosis for a medical condition
Expenses incurred due to suicide; self-inflicted injuries or illnesses; mental disorder; anxiety, stress or depression; Venereal diseases; Alcohol/drug abuse; and HIV/AIDS
War or nuclear threat in the country where you are travelling
Delay or loss of checked-in baggage
Claims arising out of non-disclosed and non-declared pre-existing medical conditions
Any issues faced due to theft or loss of passport when left unattended or if you don’t report the loss to local police authorities
Life-threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up to 70 years of age. You need to declare all pre-existing diseases while taking the international travel insurance policy
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3 Crore+ Policyholders^
Widely loved and trusted by our customers
98.6% Claim Settled#
Hassle-free claims intimation and settlement
Plans specially created to meet every need
Which are the Schengen Countries?
The Schengen Zone comprises 27 European countries, including Switzerland, Spain, Italy, France, Germany, Portugal and Denmark. These Schengen countries have abolished their internal borders, enabling tourists to freely explore these countries via road, train or airplane without any restrictions. Here is the latest list of Schengen countries:
How to Buy Travel Insurance for a Schengen Visa?
Having a valid travel insurance plan is one of the prerequisites for your Schengen Visa application process. Thankfully, you can easily buy travel insurance online for Schengen countries through Reliance General Insurance. Just follow these steps and you are all set for your upcoming Schengen trip:
Step 1: Scroll up and give us your details including mobile number, email ID and travel destination.
Step 2: Select your plan and click on ‘Buy Now’.
Step 3: Check your premium details and enter your personal details, including passport number and nominee details.
Step 4: Complete payment using your preferred mode of payment and get insured for your upcoming Schengen trip.
How to Apply for a Schengen Visa from India?
You have to buy a travel insurance policy before you can apply for a Schengen Visa. You need to submit your duly filled Schengen Visa application form at least 15 days before the intended journey. However, it is advisable to submit your application at least a month before your journey as it may take up to 15 days to get your visa approved. Here are the steps to apply for a Schengen Visa from India:
Fill out the Schengen Visa application form.
Select the Schengen Visa type (Tourist Visa, Student Visa, Business Visa, etc.)
Collect all documents required for the Schengen Visa application process
Schedule a Visa interview and submit your Schengen Visa application form.
Pay the Visa fees and wait for your application to be accepted
Documents Needed for a Schengen Visa
Here’s a list of documents you need to apply for a Schengen Visa:
A Schengen Visa application form (you can download it from a consulate or Schengen embassy website)
Two recent passport-sized photographs
A valid passport and previous passports, if applicable
No objection letter from your employer or
A cover letter stating the purpose of your visit
Travel insurance with a medical cover of up to EUR 30,000
Proof of accommodation during your Schengen stay
Proof of booked flights and itinerary
Proof of your financial stability (eg bank statement)
Points to Remember Before Buying a Schengen Travel Insurance Plan
You need careful planning to ensure your upcoming Schengen stay or vacation is safe, wonderful and worry-free. This includes key factors like choosing the right Schengen travel medical insurance policy that provides comprehensive coverage across your travel destinations. We advise you to consider the following factors while buying Schengen travel insurance online:
You need to compare coverages offered by different Schengen travel insurance plans to make an informed decision. Remember that it is mandatory to have a minimum travel medical insurance of EUR 30,000 to get a Schengen Visa. Besides this, you should look for an international travel insurance policy that covers passport loss, baggage delay, baggage loss, flight delay, trip cancellation or interruptions and more.
Schengen Travel Insurance Premium
Your Schengen travel insurance premium is affected by several elements. These include the travel destination, the length of your stay, sum insured, the type of travel insurance, number of travellers and their age. It is important to understand that a cheap Schengen travel insurance plan may not provide the best coverage. You need to compare different international travel medical insurance plans for Schengen before making a decision.
If you are planning to visit only one country in the Schengen area, then it’s okay to buy an
international travel insurance policy for that destination only. However, you need to buy a travel insurance plan that covers all the countries in the Schengen area if your itinerary includes stays in multiple Schengen countries. Carefully check your Schengen travel insurance policy as some plans have limitations on certain countries.
Many popular travel destinations like Maldives, Qatar and Indonesia provide visas on arrival to Indians. But you need to apply for a Schengen Visa if you want to visit any of the 27 Schengen countries. One pre-requisite for the Schengen Visa application process is having an overseas travel insurance plan with a minimum medical coverage of EUR 30,000. You need to ensure that your Schengen travel insurance plan aligns with this requirement to get your visa approved.
Check online reviews shared by customers about their experience with the insurance company’s buying process, coverages and claim process. This will give you an idea of how the insurer delivers on its promise of securing your trip. For example, you can look for positive reviews and ratings about customer support. Choose a company with a proven track record of reliability, customer satisfaction and seamless claim settlement.
Factors That Affect Schengen Travel Insurance Premium
Multiple factors influence your Schengen travel insurance premium. These factors include:
1. Covers Selected: Your premium is influenced by the extent of your coverage limit. For example, you choose a plan that has a high sum insured for medical expenses and other trip-related contingencies. The premium for such plans will be higher than the basic plans.
2. Age of the Travellers: Age is one of the critical factors impacting your international travel insurance premium. Usually, the premium for young travellers is lower than the premium for senior citizens as they have potentially lower health-related conditions and risks.
3. Duration of Your Stay: Your Schengen travel insurance premium is also affected by the number of days you will be travelling or staying in the Schengen area. Longer stays may lead to higher premiums due to the longer period of risk exposure.
4. Travel Destination: Different countries have different healthcare costs and risk-inducing factors. Your overseas travel insurance premium will vary depending on the Schengen countries you plan to visit.
How to File a Travel Insurance Claim?
Register Claim: Intimate your claim to Reliance General Insurance within 24 hours of occurrence of claim
Claim Process: Submit all required documents to Rcare and we’ll start processing your claim
Claim Approval: Once your claim is approved, the payment is made by NEFT
What are the Documents Required to File a Claim?
You need to submit different documents for a travel insurance claim arising due to different contingencies. There’s a different set of documents required for claims related to loss of checked-in baggage, medical emergencies and personal accident death/permanent total disability. Here’s the list:
1. Total Loss of Checked-in Baggage
Duly filled and signed original Claim form
Copy of boarding pass and ticket
Confirmation letter from the airlines specifying the incidence details
Original FIR report from the relevant police authority in the event of loss or theft
Photo ID proof
Original Cancelled CTS 2010 Compliant cheque leaf for NEFT
Any additional document as required by the company to assess the claim
2. Personal Accident Death / Permanent Total Disability
Completely filled and duly signed original claim form
Original attested copy of death certificate/Disability certificate issued by authorised officer
Attested copy of First Information Report(FIR)/Inquest Panchanama/Spot Panchanama as applicable for the claim
Attested copy of the post-mortem examination report in case of Death Claim or Death summary
Copy of Photo ID proof of the Insured/Nominee (PAN/Driving license/passport copy/Ration card)
Original CTS 2010 compliant cancelled cheque with printed name/account No. of the Insured/Claimant
Copy of Boarding Pass and Ticket
Confirmation letter from the Airlines regarding the incident.
3. Emergency Medical Expenses
Filled and duly signed Claim form, in original
Copy of Boarding pass and Ticket
Confirmation letter from the Airlines regarding the incidence
Complete treatment records like discharge summary, consultation papers with supporting investigation reports like X-ray/MRI etc.
Copy of Medico-Legal Certificate (if made)
Original Hospital Bills along with cash receipt
Photo ID proof
Original cancelled CTS 2010-compliant cheque leaf for NEFT
Want to extend your trip? Take a look at this-
If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the
Extension Form with
Good Health Declaration Form & visit the nearest branch.
**The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Schengen – Standard Plan. ##The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%. ^The total no. of customers insured data is for FY22 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. #This is the overall claim settlement ratio for FY 21-22 as per public disclosure of Reliance General Insurance. *T&C apply. Details mentioned here are for Reliance Travel Care Policy - Schengen Plan UIN: RELTIOP08002V010708.