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Schengen Travel Insurance: Learn All About It!


While travelling to your favourite international destination, you do need a visa. But what about Schengen countries? They would require a Schengen visa.

But before you opt for that, you should know that you need a different travel insurance to obtain the visa.

How do you get the Schengen travel insurance? And why did this all begin?

Let’s find out.

The Schengen Agreement

Schengen Travel Insurance

Schengen travel insurance coverage

How is Schengen travel insurance different? Travel insurance is mandatory for Schengen visa countries. With this visa, as a visa holder, you can travel to any or all member countries using one single visa. This prevents all hassles and expense of obtaining individual visas for each country. This is particularly beneficial for persons who wish to visit several European countries during the same trip.

Travelers should get visa from the consulate of the country of their main destination. If the main destination is not determined, then the first country that you enter would be responsible for granting your visa.
Many travellers may be unaware about a crucial step in obtaining the Schengen visa application process. And that is they need to provide proof of health insurance to obtain it. This special insurance is designed to pay expenses that may arise in connection with repatriation for medical reasons, emergency hospital treatment or urgent medical attention.

Two different Schengen visas

Those who wish to travel to any one or several Schengen countries should have the Schengen visa application. But a pre-requirement to get the visa would be having adequate and valid Schengen Travel Insurance. Without proper travel insurance, the visa won’t be issued.

Schengen visas are classified into two types:

  1. The short stay visa (category C)

Being one of the most common Schengen visa, this one is issued for reasons such as tourism, family, business, or private visit or to get married.

  1. The transit visa (category B)

This visa allows travellers from one outside State to another outside State to pass through the territories of the Schengen states.

Last is the airport transit visa (Category A). This one does not require travel insurance.


Though most Schengen countries are in Europe, not all European Union (EU) countries are Schengen countries. Schengen and EU demarcate two different agreements between European countries.

There are certain states that do not belong to the Schengen area. Two of them being primary members of the European Union (the United Kingdom and Ireland). Two other countries, Norway and Iceland, who aren’t members of the European Union, are also part of the Schengen area. When it comes to France and the Netherlands, the Schengen agreement only applies to their European territories.

Now that you know about the Schengen travel insurance, make sure you opt for it before travelling to any of the Schengen countries.

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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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