Complete Guide to Schengen Visa online

Mandatory Schengen Visa Travel Insurance Requirements

Traveling to any of the 29 European countries in the Schengen Zone requires Indian passport holders to secure mandatory travel medical insurance before submitting their visa application. European consulates and VFS Global centers strictly verify policy coverage before granting a Schengen visa.

Key Coverage Mandates

To meet official European Union regulatory requirements, your travel insurance policy must fulfill the following criteria:

• Minimum Medical Cover: The policy must offer medical emergency coverage of at least €30,000 (approximately ₹27 Lakhs to ₹30 Lakhs depending on foreign exchange rates).
• Geographic Validity: The policy must be explicitly valid across all 29 Schengen member states, including France, Germany, Italy, Switzerland, Spain, Austria, and Greece.
• Full Trip Duration: Coverage must begin on the day of departure from India and remain active until the day of return. Embassies recommend adding a 15-day grace period to policy dates.
• Repatriation and Evacuation: Emergency medical evacuation to India and repatriation of mortal remains must be fully included without sub-limits.

Cashless Hospitalization and Claim Support

When traveling overseas, hospital admission deposits can be extremely expensive. Insuremile partners with leading IRDAI-registered insurers who maintain international third-party administrator (TPA) networks across Europe. This guarantees 24/7 cashless hospital admissions and direct settlement for medical emergencies.

How to Compare and Download Your Visa Certificate

With Insuremile, comparing Schengen-compliant plans takes less than two minutes. Once you complete policy issuance, your official embassy-approved insurance certificate with the mandatory euro declaration is generated instantly for direct upload to your VFS visa file.