Insurance • Travel • India • 2026

Schengen Travel Insurance for Indians: €30,000 Rule Explained

For Indian travellers applying for a Schengen visa, understand the travel-medical insurance requirement, territorial validity and €30,000 minimum cover.

Last reviewed: 5 October 2026. This is an educational guide for Indian students and travellers. Insurance and visa rules can change; verify the exact visa category and policy wording before purchase. This is not financial, insurance, legal or immigration advice.

Mandatory for Schengen visa applications

Schengen visa applicants generally must show adequate travel medical insurance covering the intended stay.

Minimum cover

The Schengen Visa Code sets minimum coverage of €30,000. Cover must extend across the Member States for the intended stay/transit and include emergency medical care and medical repatriation.

Multiple-entry visas

For a multiple-entry application, proof is required for the first intended visit, with the applicant acknowledging the need for insurance on later stays.

What to check before paying for a policy

• Is insurance mandatory for your exact visa category, or only recommended?
• Does the policy cover the complete travel period and correct countries?
• Check emergency medical limits, evacuation/repatriation, deductibles, exclusions and pre-existing-condition wording.
• Confirm whether the embassy/visa centre requires a specific certificate format or insurer eligibility.
• Keep the policy certificate and emergency-assistance details accessible during travel.

Important distinction

Spain’s Embassy in New Delhi also states that travel medical insurance must cover the entire stay and Schengen area with at least €30,000 cover.

Official source

Check the official government/regulator guidance →

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