📅 Oct 2, 2026Written by A. Fruchard
Europ Assistance Schengen Visa Insurance: Is It a Good Choice in 2026?Europ Assistance Schengen visa insurance reviewed: cover, real prices, refund if your visa is refused, cheaper alternatives.Travel insurance for a Schengen visa from India: 7 compliant plans compared, from ₹2,108
- 100% Schengen visa compliant
- Instant certificate (PDF) accepted by TLS/VFS
- Refund if your visa is refused
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A. FruchardCo-Founder & Travel Insurance ExpertLast updated: September 28, 2026
What is the cheapest travel insurance for a Schengen visa that a consulate in India will actually accept?
Travel insurance for a Schengen visa starts at ₹2,108 from India for a 10-day trip, on the Silver Plan, and any plan you buy has to carry at least €30,000 of emergency medical cover valid in every Schengen state. That figure, not the price, is what the consulate checks.
We priced seven Schengen plans for a traveller resident in India on 28 September 2026 and read the binding policy wordings behind them. The spread on a 10-day trip to France runs from ₹2,108 to ₹8,878, and the expensive end buys you almost nothing extra on the one guarantee the visa rule is about. Five of the seven sit inside ₹1,450 of each other, which means the real decision is not price at all. It is whether the certificate says the right things, and whether the plan is even sold to someone living outside Europe.
One plan in the seven, the Gold Plan, lifts the medical ceiling to €80,000 (about ₹89 lakh) for roughly ₹420 more than the cheapest compliant option. Two others, Go Schengen and Go Schengen +, are written specifically for people resident outside the Schengen Area, which is exactly the situation of an applicant filing at a VFS Global centre in New Delhi, Mumbai or Chennai. All prices and cover limits on this page were re-checked on 28 September 2026.
Our methodology
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and cover actually offered in your country, not a single guide translated.
Which Schengen visa insurance plans do we shortlist for an application filed in India?
Our shortlist for an Indian applicant is the Gold Plan first, then the Silver Plan, Go Schengen +, Cap Schengen and Go Schengen. The Gold Plan leads because it is the only one of the seven whose medical ceiling is €80,000 rather than the bare €30,000 minimum, and it still costs less than three of the plans that stop at the minimum.
Every plan below delivers the certificate by email, is written to satisfy Article 15 of the EU Visa Code, and covers you across the whole Schengen Area rather than only your first destination. Where they differ is in what happens after the visa is stamped: whether a hospital bill is settled directly, whether a return ticket is paid for when a trip is cut short, and whether anything at all covers you if you injure someone else.
Which plan we would put on the file
If you want the strongest file with the least effort, take the Gold Plan: your emergency hospital treatment in Europe is covered to €80,000, nearly three times the legal minimum, the hospital is paid directly so you never advance money you may not have on a card abroad, and the premium is refunded if the consulate refuses the visa. It is not the cheapest of our shortlist, but it sits only marginally above it, which is a small step for a ceiling that size. Take the Silver Plan instead if you simply want the lowest compliant price on the file, and Go Schengen + if you are travelling with children or driving in Europe, because it is the only one of the five that adds real personal liability cover. The cards below show today’s price for your own dates.
Gold PlanUnderwritten by Vyv International Assistance
Included coverage
Emergency medical expenses€80,000
Schengen area coverageIncluded
Compliant insurance certificateIncluded
Emergency medical evacuation & repatriationCovered in full
Silver PlanUnderwritten by Vyv International Assistance
Included coverage
Emergency medical expenses€30,000
Schengen area coverageIncluded
Compliant insurance certificateIncluded
Emergency medical evacuation & repatriationCovered in full
Go Schengen +Underwritten by Mutuaide
Included coverage
Emergency medical expenses€30,000
Schengen area coverageIncluded
Compliant insurance certificateIncluded
Emergency medical evacuation & repatriationCovered in full
Go SchengenUnderwritten by Mutuaide
Included coverage
Emergency medical expenses€30,000
Schengen area coverageIncluded
Compliant insurance certificateIncluded
Emergency medical evacuation & repatriationCovered in full
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How much does travel insurance for a Schengen visa cost from India, traveller by traveller?
From India, a compliant policy costs ₹1,664 to ₹14,204 depending on who is travelling and for how long, with a solo 10-day trip landing at ₹2,108 on the cheapest plan. Age barely moves the price until 75, but duration moves it a great deal: the same traveller pays ₹2,108 for 10 days and ₹5,435 for the full 90 days a short-stay visa allows.
Traveller profile | Budget | Average | Premium | Key point |
|---|---|---|---|---|
Solo tourist 1 traveller, 30, 10 days | ₹2,108 | ₹2,885 | ₹3,551 | Gold Plan lifts the medical ceiling to €80,000 for the smallest step up in price. |
Business traveller 1 traveller, 45, 5 days | ₹1,664 | ₹1,997 | ₹2,662 | The cheapest line on the whole file, and the certificate still has to show €30,000. |
Senior 1 traveller, 68, 10 days | ₹2,108 | ₹2,885 | ₹3,995 | Nobody aged 75 or over can be insured on these plans. Check the age before booking the VFS slot. |
Student or long stay 1 traveller, 22, 90 days | ₹5,435 | ₹8,208 | ₹10,648 | Ninety days is the maximum a short-stay visa allows, and the policy must cover every one of them. |
Family 2 adults + 2 children, 14 days | ₹8,434 | ₹11,541 | ₹14,204 | Children under 6 pay no visa fee, but every traveller on the file needs their own insurance line. |
Real quotes from our comparator, captured 28 September 2026, departing India, arriving France (Germany for the student and business rows), in Indian rupees. Budget = Silver Plan, Average = the median of our five shortlisted plans, Premium = Cap Schengen.
Three things move the number: the number of days, the number of travellers, and the plan tier. Destination inside the Schengen Area does not, because the cover is area-wide by law. Nor does your departure city: the price is identical whether you file in New Delhi, Mumbai, Chennai or Bengaluru. If you are still choosing your dates, our page on Schengen visa processing times shows how long each consulate is really taking.
What exactly must your insurance certificate say for VFS Global and the consulate to accept it?
Your certificate has to show five things: at least €30,000 of cover, validity in all Schengen states, emergency medical treatment and hospital care, repatriation on medical grounds and in case of death, and dates covering your entire stay. These come straight from Article 15 of EU Regulation 810/2009, the Visa Code, and they are the same in New Delhi as in Lisbon.
- A minimum of €30,000
About ₹33 lakh at the rate our comparator used on 28 September 2026. Every plan we priced meets it; the Gold Plan goes to €80,000. - Validity in every Schengen state
Not just the country issuing the visa. Cap Schengen states this explicitly: its territorial validity is the countries and territories of the Schengen Area. - Emergency medical and hospital treatment
All seven plans we priced settle the hospital directly, so you are not asked to advance the bill on a card while abroad. - Repatriation, medical and in case of death
The Go Schengen + wording covers the transport of the body, the preservation required by law and the handling and packaging costs. Cap Schengen covers repatriation of the body under its personal assistance services. - Dates covering the whole stay
The certificate must start on or before your entry date and end on or after your exit date. A one-day gap is a refusal risk, not a technicality.
Guarantee | Silver Plan | Gold Plan | Go Schengen | Go Schengen + | Cap Schengen |
|---|---|---|---|---|---|
Emergency medical and hospital abroad | [green] €30,000 | [green] €80,000 | [green] €30,000 | [green] €30,000 | [green] €30,000 |
Direct billing, no money advanced | [green] Included | [green] Included | [green] Included | [green] Included | [green] Included |
Medical repatriation | [green] Actual cost | [green] Actual cost | [green] Actual cost | [green] Actual cost | [green] Actual cost |
Early return ticket | [red] Not covered | [red] Not covered | [green] Return ticket | [green] Return ticket | [red] Not covered |
Personal liability | [red] Not included | [red] Not included | [red] Not included | [green] €3,500,000 | [red] Not included |
Trip cancellation | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered |
Baggage and possessions | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered |
Treatment back home in India | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered |
Extreme sports | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered | [red] Not covered |
What our five shortlisted plans actually cover, from the offer catalogue and the binding policy wordings, read 28 September 2026. Limits are in euros because that is the figure written into the contracts and read by the consulate.
One note on currencies, because it trips people up. These are pan-European contracts: the cover limits are written in euros, and the euro figure is what a consulate officer looks for on your certificate. The price you pay is shown in rupees, converted at the live exchange rate. So a certificate reading €30,000 is correct even though your card was debited in rupees.
What does a Schengen-compliant policy leave out, and where do Indian applicants get caught?
A Schengen-compliant policy is medical cover only. None of the seven plans we priced covers trip cancellation, baggage, delayed flights, treatment once you are back in India, or extreme sports. Applicants who assume the certificate is a full travel policy are the ones who discover the gap at the worst moment.
- Cancellation of the trip
Not covered on any of the seven plans. If your visa arrives late and you lose a non-refundable booking, this policy pays nothing towards it. - Baggage, electronics and transport delay
Absent from all seven. A lost suitcase at Frankfurt is your own loss under a Schengen visa policy. - Illnesses that predate the policy
The Neat Protect wording behind the Silver and Gold plans excludes illnesses prior to subscription and their consequences. Go Schengen + also excludes unstable conditions and maternity costs. - Treatment back in India
The cover stops at the Schengen border. Follow-up care at home after you return is not reimbursed. - Sport played professionally, motor racing and air sports
Excluded across the range, along with the consequences of epidemics and pandemics, war, riots and suicide attempts. - Anyone aged 75 or over
Both the Neat Protect and the Assur Travel wordings refuse subscription from that age. A parent travelling with you may not be insurable on the same policy.
Three clauses that decide whether a claim is paid
Call the assistance line within 48 hours. The Neat Protect wording allows a maximum delay of 48 hours to activate emergency medical services, and hospitalisation abroad is subject to prior agreement from the assistance organisation. Going to a hospital and telling the insurer afterwards is how a valid policy ends up paying nothing.
There is an excess on the Assur Travel plans. Go Schengen and Go Schengen + carry a €30 excess per condition, roughly ₹3,300, deducted from each claim.
The medical ceiling is per year, per insured person, per incident on the Go Schengen wordings, so read the Table of Cover in the policy document rather than the marketing line.
The refund if your visa is refused has conditions too, and they are stricter than most people expect. On the Silver and Gold plans the insurer needs a written request and the original refusal letter, and it must reach them before the start date printed on your certificate. If several people are insured on one policy and only some are refused, nothing is refunded: the wording requires every insured person to be affected, and there are no partial refunds. Cap Schengen refunds the insurance fees in full on a refusal.
Why is one Indian application in six refused, and can your insurance be the reason?
India filed 1.15 million Schengen applications in 2025 and 181,111 were refused, a 15.8% non-issuance rate against a global average of 14.6%. Insurance is rarely the headline reason for a refusal, but an incomplete or mis-dated certificate is one of the easiest ways to hand a consulate a formal ground to reject an otherwise sound file.
Those refusals are expensive. At the official adult fee of ₹10,100, 181,111 rejected applications represent roughly ₹183 crore in government fees that nobody gets back, because the visa fee is non-refundable whatever the outcome. The insurance premium, by contrast, is one of the very few costs in the file you can recover if the answer is no.
Schengen state | Refusal rate for Indian applicants | What it means for your file |
|---|---|---|
Slovenia | [red] 46.1% | The toughest consulate for Indian applicants in 2025. Nearly one file in two was refused. |
Bulgaria | [red] 37% | Well above the Indian average. Expect close scrutiny of every supporting document. |
Greece | [red] 33% | A popular first destination with one of the highest refusal rates for Indian files. |
Germany | [orange] 10.5% | Processed more than 153,000 Indian applications, the largest volume of any Schengen state. |
Belgium | [green] 7.7% | Among the smoothest routes for an Indian applicant in 2025. |
Denmark | [green] 6.9% | The lowest refusal rate of the Schengen states for Indian applicants. |
India, all states | [orange] 15.8% | 181,111 refusals out of 1.15 million applications. |
Global average | [orange] 14.6% | Down from 14.8% in 2024. India sits slightly above it. |
Non-issuance rates for Indian applicants by Schengen state, 2025. European Commission data, published 28 May 2026 and reported in June 2026. India remained the third-largest source market worldwide after China and Türkiye.
You cannot choose a consulate freely: the rule is the country of your main destination, or of first entry when the stay is evenly split. What you can control is the file itself. Our guide to the Schengen visa from India covers the fees, the documents and the processing times, and the Schengen short-stay visa (Type C) page explains the approval rules the officer applies.
When should you buy your policy if you are applying in New Delhi, Mumbai or Chennai?
Buy the policy before your VFS Global appointment, not before your flights. The certificate is a document in the application pack, so you need it in hand on the day you submit biometrics, and it must already carry your intended travel dates. Applications open up to six months before departure and must be filed at least 15 days ahead.
The sequence that causes the fewest problems is short, and none of it depends on which city you file in. VFS Global runs submission centres in New Delhi, Mumbai, Chennai, Bengaluru, Hyderabad, Kolkata, Pune and several other cities, and the insurance requirement is identical at all of them.
- Fix your travel dates first, including the day you leave the Schengen Area. The certificate is dated, and changing the dates later means reissuing it.
- Compare compliant plans on our comparator with your real dates, your age and India as your country of residence, so the prices you see are the ones you will pay.
- Pay and receive the certificate by email, usually within a few minutes. Print it for the VFS pack and keep the PDF on your phone.
- Check three lines before you submit: the €30,000 figure, the words covering the whole Schengen Area, and the start and end dates against your itinerary.
- If the visa is refused, send the insurer the original refusal letter in writing before your certificate start date to claim the premium back.
A practical buffer: book the policy at the same time as the appointment slot, four to six weeks before departure in the April to August peak. It costs no more to buy early, the price does not rise as the date approaches, and it removes the one document people are still chasing the night before their appointment. You can compare Schengen visa insurance for any departure country from our comparison hub.
Can an Indian insurer policy or your employer cover be used for the same file?
It can, provided the certificate itself carries the five elements above: €30,000, all Schengen states, emergency medical and hospital care, repatriation including in case of death, and the exact travel dates. Consulates reject on the wording of the document, not on the nationality of the insurer, so the question to ask your existing provider is whether they will issue a certificate that says those things in English.
The three failures we see most often in existing cover are a ceiling below €30,000, a policy limited to the destination country rather than the whole Schengen Area, and corporate or group medical cover that has no per-trip certificate to print at all. If you want to see how a large brand handles the same requirement, our AXA Schengen review breaks down its cover and its limits against ours.
The one document to double-check
Whatever policy you use, the consulate reads one page: the certificate. Confirm it names you as printed in your passport, states €30,000 or more, says the cover is valid in the Schengen Area, and shows dates that fully bracket your trip. Everything else in the policy matters after the visa, not during the application.
FAQ: what Indian applicants ask us most about Schengen visa insurance
FAQ
Yes. Article 15 of the EU Visa Code makes travel medical insurance a condition of every short-stay Schengen visa, whatever your nationality. An Indian applicant cannot submit a complete file at a VFS Global centre without a certificate showing at least €30,000 of cover valid across the Schengen Area.
From ₹2,108 for one traveller aged 30 on a 10-day trip, on the Silver Plan, and up to ₹14,204 for a family of four on a 14-day trip on the most expensive plan we shortlisted. These are real quotes captured from our comparator on 28 September 2026 with India as the country of residence.
About ₹33 lakh at the rate our comparator used on 28 September 2026. The certificate must state the euro figure, not the rupee equivalent, because that is the amount written into the EU Visa Code and the one a consulate officer checks.
The insurance premium, usually yes, but the visa fee never. On the Silver and Gold plans you must send a written request with the original refusal letter, and it has to reach the insurer before the start date on your certificate. If several people are insured together, every one of them must be refused for the refund to apply. Cap Schengen refunds its insurance fees in full on a refusal.
All of them. Cover limited to your first destination is not compliant, even if you only plan to visit that one country. Every plan on this page is written with Schengen-wide territorial validity.
Under 75, yes, at the same price as a younger traveller on most plans: a 68-year-old pays ₹2,108 on the Silver Plan for 10 days, identical to a 30-year-old. From 75 onwards, both the Neat Protect and the Assur Travel wordings refuse subscription altogether, so that traveller needs a different solution before the appointment is booked.
No. None of the seven plans we priced includes cancellation cover, so a non-refundable flight lost to a late decision is not reimbursed. Schengen visa insurance is medical cover only, by design and by regulation.
Usually within a few minutes, by email, as a PDF you can print for the VFS Global pack. There is no waiting period between buying the policy and receiving the document, which is why buying early costs nothing.
No. The premium depends on your age, the number of travellers and the length of the stay, not on the city where you submit. The VFS Global service fee does vary by destination mission, but that is the consulate charge, not the insurance.
No, on any of the five plans we shortlisted. All of them settle emergency hospital costs directly with the provider. The condition is that you call the assistance line first: the Neat Protect wording gives you a maximum of 48 hours, and hospitalisation abroad requires prior agreement.
A. FruchardCo-Founder & Travel Insurance Expert
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