Central and Eastern European countries reported the highest number of travellers from India in 2021. The appeal of these countries for tourists cannot be denied, given the panoramic views of the countryside, cultural diversity, the exotic Alps, the larger-than-life castles, fairs, markets and the welcoming locals. And your trip can be all the more enjoyable when you have peace of mind that mishaps will be taken care of by a Schengen travel insurance policy.
Along with all the planning and budgeting, remember to research the inclusions and exclusions of Schengen travel insurance. This will help you choose the best-suited policy to take care of unforeseen events during your trip. From cashless treatment at international network hospitals during a mishap to quick claim reimbursements, you will have a worry-free experience in a foreign land.
Inclusions of Schengen Travel Insurance
For travel in the Schengen region, you need coverage of a minimum of €30,000 or $50,000. The insurance is valid for all the countries in the Schengen area and covers medical bills related to an injury, or in extreme cases, death.
The key Schengen travel insurance inclusions are:
Pregnancy coverage during the first trimester. However, this might vary from policy to policy, so check with the insurance company.
Lost/damaged or stolen luggage, including travel papers and personal items.
Accidental death, injury or disability.
Ticket cancellations, interruptions or rescheduling.
Plane hijacking.
A minor returning alone.
Evacuations or similar urgent situations.
Delayed baggage or replacement baggage in an emergency.
Foreign hospitalisation, medicines, outpatient treatment and funeral costs.
As you can see, both medical and non-medical situations can be covered under the inclusion of Schengen travel insurance. Every traveller is recommended to carry a copy of the travel insurance and a list of hospitals that are part of the insurance network for quick medical attention. Keep both local and international emergency numbers handy. Little steps like these go a long way to keep you and your loved ones safe in a foreign country.
Benefits of a Schengen Travel Insurance Policy
The 2022 World’s Safest Country Index placed the Netherlands as the 21st safest place in the world. Other European nations also rank high among the safest destinations in the world. So, while you need not worry about safety, accidents are unpredictable and make travel insurance mandatory. The benefit is that you are financially secure during emergencies. It gives you peace of mind that you can handle big or small mishaps with the right Schengen travel insurance inclusion.
How to Buy a Schengen Travel Insurance
Visit the official website of your insurance company to start the application process. The application process, KYC and policy approval can all be completed from the comfort of your home. Don’t hesitate to ask questions and get all doubts clarified by the insurer before making a final choice.
Getting insurance and learning the travel policy inclusions for Schengen visa will let you embark on your journey with confidence. And make sure you provide accurate information and updated documents to speed up the procedure.
