Schengen Visa Travel Insurance from India | Best Mandatory Travel Insurance 2025

<span>In 2024, </span><span>over 1.1 million Indians</span><span> applied for a Schengen visa — 15 % were rejected, costing travellers </span><span>₹1.36 billion</span><span> in lost fees. One of the </span><span>top reasons for refusal</span><span>: </span><span>missing or invalid travel insurance</span><span>.</span>

<span>Peak application months (April–June, Diwali, December) mean </span><span>VFS India slots fill up fast</span><span>. Having your </span><span>insurance certificate ready</span><span> can make the difference between approval and rejection.</span>

<span>I’ve spent </span><span>11 years as a travel insurance broker</span><span>, reviewing every major Schengen policy — coverage, pricing, and real customer feedback. You’ll find below </span><span>my expert pick of the best plans</span><span> for Indian travellers in 2025. </span>

Why Schengen Visa Travel Insurance Is Mandatory for Indian Travellers

<span>If you're an </span><span>Indian passport</span><span> holder planning to visit Europe, getting </span><span>Schengen travel insurance</span><span> is not optional — it's a </span><span>mandatory requirement </span><span> for obtaining your Schengen visa .</span>

<span>When you apply for a </span><span>Schengen short-stay visa (Type C)</span><span> — whether from </span><span>New Delhi</span><span>, </span><span>Mumbai</span><span>, </span><span>Chennai</span><span> or </span><span>Bengaluru</span><span>, the consulate will ask you to provide:</span>

<span>✅ A travel insurance certificate covering </span><span>a minimum of €30 000</span><span> in medical expenses
</span><span></span><span>✅ Validity in </span><span>all 27 Schengen countries
</span><span></span><span>✅ Coverage for your entire trip (from arrival to departure dates)
</span><span></span><span>✅ Repatriation and emergency medical evacuation</span>

<span>Without this document, your </span><span>visa application can be rejected immediately</span><span>.</span>

<span>Accepted by all consulates (including VFS India), delivered in 2 minutes |</span><span> 💰 Refund if visa is refused |  💳 Secured payment in INR or other currencies | 📩 No hidden fees, 100% visa compliant.</span>

<span>Read more about Visa Schengen Requirements for Indian People.</span>

Best travel insurance for Schengen Visa from India

<span>When it comes to securing your Schengen visa, </span><span>choosing the right travel insurance</span><span> can make or break your application. As a broker with 11 years of travel insurance expertise, I’ve reviewed every major plan — coverage, pricing, and customer feedback — to build my Top Schengen Insurance list for 2025.</span>

<span></span><span></span><span>All plans are </span><span>approved by European embassies</span><span> and accepted by all </span><span>VFS India</span><span> centers, and meet the </span><span>mandatory €30,000 coverage, </span><span>repatriation & emergency medical evacuation required for your visa. </span><span></span><span>Additionally, you’ll also get baggage protection and 24/7 multilingual assistance. </span>

<span>You will mainly find trusted European insurers (such as Axa, Allianz…) rather than local Indian insurers like Tata AIG or HDFC Ergo. This isn’t because Indian insurers are unreliable — it’s because European insurance providers are widely recognized and pre-approved by Schengen consulates.</span>

<span>Their certificates are </span><span>standardized</span><span>, </span><span>consulate-friendly</span><span>, and often </span><span>automatically accepted</span><span> during the visa process. This means:
</span><span></span><span>✅ Faster processing of your application
</span><span></span><span>📝 Less risk of rejection due to insurance issues
</span><span></span><span>🧾 A smoother, stress-free visa experience</span>

How much is travel insurance for a Schengen Visa?

<span>The cost of Schengen visa travel insurance depends on your </span><span>trip length</span><span>, </span><span>age</span><span>, and </span><span>coverage amount</span><span>, but it’s generally </span><span>very affordable for travellers from India</span><span>.</span>

• <span>Basic Schengen-compliant plans</span><span> (minimum €30,000 coverage) typically start around </span><span>₹1,000 to ₹5,000</span><span> for a 1–2 week trip.</span>
• <span>Premium plans</span><span> with added benefits (trip cancellation, baggage protection, teleconsultation, etc.) cost more but offer broader protection.</span>
• <span>Some plans are priced from </span><span>₹24 per day </span><span>, making them </span><span>budget-friendly</span><span> for short stays.</span>

<span>📌 </span><span>The price does not depend on the Schengen destination. It’s the same for France, Switzerland, Germany, Spain, and Italy.</span>

<span>Prices are indicative and may vary slightly depending on age, coverage add-ons, or family/group options. All plans cover all 27 Schengen countries — including Switzerland, France, Germany, Spain, and Italy.</span>

• <span>Short trips (15 days)</span><span> → </span><span>Europax</span><span> and </span><span>Impatriés</span><span> are great for travellers who want </span><span>full visa compliance</span><span> at the </span><span>lowest cost</span><span>.</span>
• <span>1-month stays</span><span> → </span><span>Cap Schengen</span><span> offers the </span><span>best value</span><span> with the added benefit of a </span><span>refund if your visa is refused</span><span>.</span>
• <span>3-month or student stays</span><span> → </span><span>Cap Academy</span><span> provides </span><span>€150,000 coverage</span><span>, perfect for students, internships or longer visits.</span>
• <span>The </span><span>destination does not affect the price</span><span> — Schengen travel insurance costs the same whether you’re travelling to Switzerland, France, Germany, Spain or Italy.</span>

<span>🪙 Pay in INR or EUR | 📩 Instant insurance certificate | 💳 Refund if visa refused (minus admin fee)</span>

Where to find travel insurance for Schengen Visa ? 

<span>The easiest and fastest way to get your </span><span>Schengen visa insurance</span><span> is directly through </span><span>HelloSafe</span><span> — our trusted platform </span><span>specialized in selling Schengen visa insurance approved by European embassies</span><span>. </span>

<span>Unlike buying from a single insurer, HelloSafe lets you:
</span><span></span><span>- Compare the best plans</span><span> from top European insurance providers — side by side
</span><span></span><span>- Get personalized quotes</span><span> tailored to your travel dates, destination, and profile
</span><span></span><span>- Choose a plan that is </span><span>100% compliant</span><span> with Schengen visa requirements.</span>

<span>All our plans are:
</span><span></span><span>✅ Fully </span><span>accepted by European consulates and VFS India
</span><span></span><span>🧾 </span><span>Schengen-compliant</span><span> (€30,000 minimum coverage)
</span><span></span><span>📩 Certificate needed for visa application delivered </span><span>instantly by email
</span><span></span><span>💳 Payable in INR or EUR (secured payment)</span><span></span>

<span>How it works:</span>

1. <span>🖱️ Click on the </span><span>HelloSafe link</span><span>.</span>
2. <span>🌍 Enter your </span><span>destination</span><span>, </span><span>travel dates</span><span>, and </span><span>age of the travellers</span><span>.</span>
3. <span>🧾 Get a list of pre-approved Schengen plans.</span>
4. <span>🛡️ Choose your preferred coverage</span>
5. <span>✅ Receive your insurance certificate </span><span>in just 2 minutes</span><span> — ready to attach to your visa file.</span>

Timing Tips for Indian Travellers: When to Buy Your Schengen Insurance 

<span>Timing your visa application can make a big difference. In India, these factors matter:</span>

• <span>🪔 </span><span>Festivals</span><span> (Diwali, Holi, Eid, Christmas): Indians often travel during these periods, so </span><span>VFS India</span><span> appointments can take </span><span>4–6 weeks</span><span> to secure.</span>
• <span>🌸 </span><span>Summer vacations</span><span>: Peak Schengen travel from India happens between </span><span>April and June</span><span>.</span>
• <span>🏛️ </span><span>Bank holidays</span><span> in India can affect </span><span>payment timelines and appointment availability</span><span>.</span>

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Schengen Visa & Indian Travellers — 2025 Snapshot

<span>🇮🇳 </span><span>1.1 million Schengen visa applications</span><span> were submitted from India in 2024 — </span><span>9.5% of global applications</span><span>.</span>

<span>✅ </span><span>84.5% approval rate</span><span> (936,748 visas issued) but ❌ </span><span>15% rejected</span><span>, costing travellers over </span><span>₹1.36 billion</span><span> in lost visa fees.</span>

<span>🇨🇭 </span><span>Top destinations</span><span>: Switzerland, France, Germany, Spain, Italy.</span>

<span>📈 Demand expected to </span><span>grow +29% in 2025</span><span>.</span>

<span>🕒 </span><span>Peak periods</span><span>: April–June (summer), Sept–Oct (Diwali), December (winter holidays).</span><span></span><span>⚠️ VFS India appointment slots (New Delhi, Mumbai, Chennai, Bengaluru) fill up fast during these months — early prep is key.</span>

Methodology

Data collected from 5 top European insurers (AXA, MGEN, AIG, Mutuaide, Vyv). Prices converted from EUR to INR using mid-market rate (1 € = ₹90, November 2025). Comparison based on visa compliance (coverage ≥ €30 000, repatriation, and acceptance by VFS India).