Schengen visa insurance from Indonesia | The Ultimate Guide in 2025
Indonesian travellers applying for a short-stay Schengen visa (type C) must submit a travel medical insurance certificate that meets strict EU requirements. Every year, more than 190,000 Indonesian residents apply for a Schengen visa, mostly through VFS centres in Jakarta and Bali, with France, the Netherlands, Germany, Italy and Spain as top destinations. While approval rates for Indonesia remain higher than the global average, consulates are extremely meticulous about technical documents — and insurance is one of the first items they verify before assessing the rest of the application.
For Indonesian applicants — tourists, couples, parents visiting children in Europe or professionals travelling for meetings — choosing the right insurance is often simpler than dealing with bank statements or proof of ties. The challenge lies in securing a certificate that leaves zero ambiguity: at least €30,000 medical coverage, repatriation, and validity across all Schengen countries, with dates matching your itinerary exactly. A mismatch of even one day can lead to a correction request at VFS. Fortunately, compliant certificates can now be generated online in minutes.
- Mandatory: Schengen travel insurance is required for every Indonesian applying for a short-stay visa.
- Your certificate must show €30,000 minimum medical cover, repatriation, and Schengen-wide validity.
- Dates must match your trip exactly — no missing days between arrival and departure.Certificates must be clear, in English, and formatted for embassy/VFS checks.
- Typical prices start around €15–25, with equivalents displayed in IDR.
- Some plans offer a visa-refusal refund, useful for applicants worried about losing money.
- An instant PDF certificate is accepted by VFS Jakarta and Bali for all Schengen consulates.
Is Schengen travel insurance mandatory for Indonesian travellers?
Yes! Schengen travel insurance is required for all Indonesian applicants submitting a short-stay visa (Type C).
VFS Jakarta and VFS Bali will not forward your file to the consulate without a valid insurance certificate that fully meets Schengen standards.
Thousands of Indonesian travellers, and many European sponsors paying for a partner or family member, use HelloSafe to compare Schengen-compliant plans side by side. All offers generate an instant PDF certificate with the exact wording required by European consulates, helping applicants avoid last-minute issues at VFS.
Get your instant, compliant Schengen visa certificateWhat does Schengen travel insurance cover for Indonesian travellers?
Schengen insurance is built around a mandatory medical and repatriation package, designed to protect travellers during emergencies in Europe. Most insurers add optional protections that make travel easier, especially for first-time visitors, couples, families or Indonesian travellers on multi-country itineraries.
🩺 Coverage & benefits | ✔️ Mandatory for visa? | 🔍 What it means for Indonesian travellers |
|---|---|---|
🧑⚕️ Emergency medical expenses (min. €30,000) | Yes | Pays for ER visits, hospitalisation, urgent treatments and ambulance services anywhere in the Schengen Area. Amount must be shown in euros. |
🚑 Medical repatriation | Yes | Covers return to Indonesia or transfer to another medical facility if you cannot continue your trip. |
⚰️ Repatriation of mortal remains | Not required | Important for family trips and elderly travellers; covers transport and formalities. |
🧳 Baggage insurance | No | Compensation for loss, theft or damage during transit. |
⌛ Travel delay & missed connection | No | Reimburses extra expenses when delays cause overnight stays or connection losses. |
🛂 Personal liability | No | Covers accidental damage caused to others. |
🏥 Outpatient & dental emergency cover | No | Pays for non-hospital urgent care or sudden dental issues. |
🆘 24/7 assistance services | No | Hotline for care coordination and translations. |
🔄 Early return & trip interruption | No | Covers early return if a family emergency occurs. |
What must a valid Schengen insurance certificate include? 📝
To be accepted by VFS Indonesia and all Schengen consulates, your certificate must clearly show:
- Full name exactly as written on the Indonesian passport
- Passport number of the insured person
- Travel dates that match your itinerary and visa application
- The words “Schengen Area” or list of Schengen countries (not just “Europe”)
- Minimum €30,000 emergency medical coverage
- Explicit repatriation coverage
- 24/7 emergency assistance contact details
- Policy number and date of issue
- Certificate in English and in a clean, printable PDF format
VFS centres in Jakarta and Bali routinely refuse certificates that are unclear, incomplete or not formatted according to Schengen standards — which is why choosing a Schengen-specific insurer is one of the simplest ways to secure a stronger visa file.
Common insurance mistakes at VFS Indonesia & Indonesia-specific issues ⚠️🇮🇩
❌ Common mistake | 📌 Why it causes problems at VFS/embassy |
|---|---|
Dates not matching itinerary | Even one missing day leads to a correction request. |
Coverage not shown in euros (€) | Cannot verify Schengen compliance. |
Using “Europe” instead of “Schengen Area” | Too vague → invalid certificate. |
Missing repatriation clause | Mandatory → automatic rejection. |
Screenshot/photo instead of PDF | VFS requires a clean, printable PDF. |
Name not matching passport | Incorrect spelling/order triggers delays. |
Policies with deductibles | Not allowed → must be zero. |
Indonesia-specific issues noted online
- Bank-linked “Europe Travel Insurance” often lacks precise Schengen wording or fails to show €30,000 explicitly, leading to corrections.
- Indonesian–EU couples frequently face added scrutiny, making perfect technical compliance essential.
- Travellers over 60 sometimes select very cheap plans missing repatriation — a frequent cause of VFS rejection.
- VFS sometimes asks for a re-upload because applicants submitted photos instead of PDFs.
All Schengen-compliant plans available through HelloSafe automatically include the mandatory guarantees (medical coverage of €30,000, repatriation, Schengen-wide validity, no deductible).
When you complete your purchase, you receive an instant PDF certificate in English with the exact wording required by VFS Indonesia and Schengen embassies — ready to print or upload for your appointment.
Get your Schengen travel insurance certificate in 2 minutes
Best Schengen visa insurance options from Indonesia
Indonesian travellers often look at ADAC, or bank-linked “Europe travel insurance” when preparing their visa file. While these products can be useful for general travel, they are not always formatted for Schengen visa assessments: some certificates mention only “Europe” instead of the Schengen Area, others fail to show medical coverage in euros, and several do not follow the standard structure required by VFS Indonesia — which frequently leads to correction requests.
That’s why, on HelloSafe, we highlight a selection of Schengen-focused plans designed specifically for visa applicants, with certificates that are systematically accepted by European embassies.
Schengen-compliant plans compared (Mutuaide, ACS/MGEN, VYV, AIG) ⭐
⚖️ Guarantee | Mutuaide – Impatriés Schengen | ACS/MGEN – Europax | VYV – Cap Schengen | AIG – Incoming Classic |
|---|---|---|---|---|
Medical coverage | €30,000 | €30,000 | €30,000 | €30,000 |
Repatriation | Included | Included | Included | Included |
Schengen validity | Yes | Yes | Yes | Yes |
Certificate format | Schengen-ready PDF | Schengen-ready PDF | Schengen-ready PDF | Schengen-ready PDF |
Issue time | Instant email | Instant email | Instant email | Instant email |
Visa refusal refund | Yes* | Yes* | Yes* | Yes* |
*Refund upon official visa refusal letter, according to insurer conditions.*
These plans are available on HelloSafe, fully compliant with EU regulations and already used by many Indonesian applicants who need an instant, embassy-ready PDF for VFS Jakarta or VFS Bali.
Which plan for which Indonesian profile? 👥
- Young Indonesian visiting an EU partner→ A clear, budget-friendly plan with visa-refusal refund to reduce financial risk.
- Parents visiting children in Europe→ A policy emphasising strong medical coverage, repatriation, and 24/7 assistance.
- Frequent travellers / multi-entry visa holders (cascade visas up to 5 years)→ A multi-trip or long-stay plan that avoids purchasing a new policy for each visit.
Comparing Schengen insurance is the fastest way to secure a 100% compliant certificate without overpaying.
On HelloSafe, you can compare Mutuaide, ACS/MGEN, VYV and AIG side by side, check prices in EUR and IDR, and download your instant Schengen-ready PDF in just a few minutes.
Compare Schengen insurance plansHow much does Schengen visa insurance cost from Indonesia? (EUR & IDR)
For most Indonesian travellers, Schengen visa insurance is far more affordable than expected. Prices vary mainly according to trip length, age, and additional benefits, but even fully compliant plans remain inexpensive compared with the overall cost of a Europe trip — flights, accommodation and visa fees.
Below are the typical price ranges Indonesian applicants see when purchasing Schengen-approved policies via HelloSafe. All prices appear in EUR, with an indicative IDR equivalent.
Typical prices by trip length (EUR & IDR) 🗓️
🗓️ Trip length | 💶 Approx. price (EUR) | 🇮🇩 Equivalent in IDR* | 📄 Includes |
|---|---|---|---|
7 days | €15–€25 | 270,000–450,000 IDR | €30,000 medical cover + repatriation |
15 days | €20–€40 | 360,000–720,000 IDR | Full Schengen compliance |
30 days | €35–€70 | 630,000–1,260,000 IDR | Often includes baggage/liability |
These ranges reflect the most common choices among Indonesian travellers using HelloSafe — particularly Mutuaide, ACS/MGEN, VYV and AIG, all of which deliver instant Schengen-ready certificates.
How age affects prices 👤
Age is one of the strongest pricing factors because health risk increases progressively. Here is what Indonesian travellers typically observe:
Age group | Typical price (IDR) | Notes |
|---|---|---|
18–40 | 250,000–700,000 | Cheapest rates |
41–59 | 350,000–1,000,000 | Moderate increase |
60–69 | 750,000–1,600,000 | Fewer eligible plans |
70+ | 1,300,000–2,800,000 | Highest premiums |
Cheapest vs. truly compliant insurance 💸
Many Indonesian applicants search for “cheapest travel insurance for Schengen visa”, but the lowest price is not always the safest option. What matters most for visa approval is compliance, not minimal cost.
❌ Non-Schengen-formatted local policies may be rejected because they:
- do not show coverage in euros,
- mention “Europe” instead of Schengen Area,
- omit explicit repatriation,
- or provide screenshots instead of PDF certificates.
✔️ A truly compliant plan includes:
- €30,000+ medical protection,
- repatriation,
- Schengen-wide validity,
- a clean PDF certificate,
- and dates matching your application exactly.
On HelloSafe, all displayed insurers are pre-filtered to meet these requirements — allowing you to choose based on comfort and budget without risking a technical refusal.
HelloSafe negotiates special pricing with trusted insurers, allowing Indonesian travellers to access lower-than-market rates for fully compliant Schengen plans.
You also benefit from exclusive features such as:
- Visa-refusal refund on selected plans
- Instant Schengen-ready PDF certificate
- Prices displayed in EUR and IDR
- Only 100% compliant insurers (Mutuaide, ACS/MGEN, VYV, AIG)
Schengen visas for Indonesian citizens: who applies, approval trends & common insurance mistakes
Indonesian travellers represent a fast-growing group among Schengen visa applicants. Applications come from a wide variety of profiles — tourists, Indonesian–EU couples, parents visiting children abroad, business travellers and short-term students. However, VFS Indonesia continues to report many technical issues with insurance certificates, making this one of the most common sources of delays.
Below is a consolidated overview based on 2024 data, Reddit insights, and recurring issues at VFS Jakarta and VFS Bali.
Who applies & approval trends 📊
Indonesian applicants typically fall into several recurring groups:
- Young tourists & Indonesian–EU couplesPopular routes include multi-country itineraries: Netherlands + France + Italy. Couples often express anxiety about technical compliance, especially matching travel dates and producing a clear insurance certificate.
- Parents visiting children in EuropeA growing segment due to Indonesian students and expatriate workers. These travellers prioritise medical ceilings and strong repatriation benefits.
- Business travellers & short-term studentsVisiting conferences, trade fairs, workshops or academic programmes — usually organised files but still subject to strict insurance checks.
2024 approval trends
- Indonesia recorded hundreds of thousands of Schengen visa applications, with a strong approval rate compared with neighbouring countries.
- Netherlands, France, Germany remain top destinations for Indonesians.
- Nordic missions (Norway, Finland, Sweden) frequently receive positive feedback on Reddit for their smooth processing and high approval levels, especially for tourism.
- Heavier-traffic consulates (France, Italy, Spain) are sometimes perceived as more detailed or strict, mostly due to volume:
Reddit: “Italy sent me back because my insurance dates were off by one day.”Reddit +1: “Netherlands felt straightforward as long as documents were clean.”
- Reddit: “Italy sent me back because my insurance dates were off by one day.”
- Reddit +1: “Netherlands felt straightforward as long as documents were clean.”
Even with good approval rates, a recurring message on Reddit is clear: insurance remains one of the easiest documents to get wrong — but also one of the easiest to get right if purchased from a Schengen-specialised provider.
Every plan available on HelloSafe (Mutuaide, ACS/MGEN, VYV, AIG) is pre-approved for Schengen compliance, with:
- €30,000 medical cover in euros
- Repatriation included
- Schengen-wide validity
- Zero deductible
- An instant, embassy-ready PDF certificate
This removes nearly all the common mistakes Indonesian applicants encounter at VFS Indonesia.
Get your instant, compliant Schengen visa certificateHow to buy Schengen visa insurance from Indonesia with HelloSafe
Choosing the right Schengen insurance is about receiving a certificate accepted instantly by VFS and consulates. HelloSafe filters policies for you.
🧭 Step 1: enter your details
You start by entering your country of residence and travel dates.
HelloSafe automatically filters policies that can issue a certificate meeting the Schengen rules, which is especially useful for travellers from India, Nigeria, Pakistan, the Philippines, South Africa or the Gulf region, where refusals are more common.
📄 Step 2: compare guarantees
HelloSafe only displays insurance plans that meet all Schengen consular requirements: you can compare them side by side and subscribe online in just a few clicks.Every option shown is fully compatible with visa rules:
- €30,000 medical coverage in euros
- repatriation included
- valid in all Schengen countries
- dates matching your itinerary
- your identity exactly as on your passport
You can then choose the plan that fits your budget, with optional add-ons if you want extra protection (higher medical limits, baggage, cancellation).All payments are made through a secure checkout, available in your local currency (PKR, INR, AED, etc.).
⚡ Step 3: get your PDF instantly
Once purchased, the certificate is generated within seconds and sent by email as a PDF ready for your VFS/TLS appointment.Travellers appreciate that they can:
- buy for themselves or for a parent abroad,
- receive the certificate immediately,
- request date or spelling corrections if their plans change.
This avoids one of the most common visa delays: a certificate that does not match the rest of the file.
💸 Refund if your visa is refused
If your visa is denied, send the refusal letter to hellotravel@hellosafe.fr or via chat. Refund is issued in 2–3 days.
If your visa is denied, the insurers available through HelloSafe offer a refund when the official refusal letter is provided. This protects applicants from losing money in regions where refusal rates are high.
How does the refund process work?
- You send the official refusal document to hellotravel@hellosafe.fr or via the HelloSafe chat (WhatsApp coming soon).
- The team checks the validity of the document.
- Once approved, the refund is issued to the card used for the original payment.
- The amount is usually credited within 2 to 3 days.
Every plan displayed on HelloSafe is pre-validated for Schengen compliance.
No need to check wording, amounts or technical details — the certificate is generated in the exact format required by VFS Indonesia and all European consulates.
Choose insurance with a refund if your visa is refusedFAQ
Yes. All Indonesian applicants must provide a certificate showing €30,000 medical coverage, repatriation, Schengen-wide validity and zero deductible.
Often not advised. Many policies lack Schengen wording or euro amounts.
Yes. Valid Schengen insurance covers all member states.
Typically €15–€70, or IDR 250,000–1,200,000 depending on age and duration.
Yes. Payment can be made from Indonesia or Europe as long as the insured name matches the passport.
Yes, provided it’s a clean, printable PDF.
You can request a refund with the official refusal letter.
Generally no. Only unforeseen emergencies are covered.
Usually excluded unless you choose a plan with a sports add-on.
Yes, it meets EU legal minimums.
Often yes, if the policy has not started.
Sometimes yes, depending on the airport.
HelloSafe shows only fully compliant plans with instant PDFs and visa-refusal refund options.
