To make the most of European holiday and to be completely tension-free, a Schengen visa is essential. But to get your visa approved, Schengen consulates insist that you get a travel insurance plan. The European Union law of 2004 for visa approval process mandates travel insurance for Schengen visa. The main aim is to ensure the high costs of medical expenses while travelling abroad do not fall on your loved ones, relatives, or the government.
Religare Travel Insurance
Say you’re travelling to Germany, which is also a part of the Schengen countries. Not only do you want to enjoy the stunning view of the alps, but also want to soak in the cultural heritage of Germany. To be able to go to Germany, you will need to get a visa and travel health insurance for Germany.
Mentioned below are some of the benefits offered by Religare’s travel insurance.
- Covers the Schengen region of 26 countries under one tourist visa for Europe from India.
- Covers the necessary mandates for Schengen travel insurance of 30,000 EUR or 50,000 USD.
- A safe and secure insurance policy that covers,Accidental injuries while travelling abroad by car, train, bus, etc., including total or partial disability compensation, hospitalisation, and OPD treatment.Loss or theft of passport and tickets, including the cost of the issue of a new passport.
- Loss of baggage.
- Cancellation or delay of flights due to inclement weather or scheduling errors.
- Trip cancellation.
- Medical evacuation, costs due to an untimely death, and the return of an affected minor, and related expenses.
- Financial emergency for daily essentials when baggage is misplaced by the carrier.
- Hijack daily-allowance.
- Anaesthetic dental treatment, sudden complications in disclosed illnesses, and such unforetold events.
- Reimbursement of return tickets of a family member when the insured is hospitalised for more than 7 days, return fare for children accompanying you in case of unfortunate events.
- Third party damage to property, vehicles, etc., rising from your liabilities while being abroad.
- Pregnancy-related expenses depending on the case.
- Covers pre-existing medical conditions up to the age of 70 years with no medical checkup being required to an extended age of 80 years.
- Is acceptable for visa approval and travel into all the Schengen territories.
- Offer instant policy and claim settlements online 24×7 on our website.
- Compare the various policies available before choosing the policy that is right for you and within your budget requirements.
Exclusions
While covering most distressful situations, there are some exclusions that Religare’s travel insurance can’t cover.
- Undisclosed pre-existing conditions and its complications
- Suicide attempts
- Self-inflicted injury
- Not following the doctor’s advice
- AIDS and HIV
- Conditions of war
- Acts of terrorism
- Use of alcohol
- Drug abuse
- Involvement in criminal activity of insured
- Being part of hazardous activities including dangerous sports like bungee jumping, deep sea diving, freefalls, unassisted parasailing, etc.
Selecting the best plan for travel insurance for Schengen visa should never be limited to the mandated clauses. Since travel insurance and premiums factor the age, pre-existing conditions, injury history, etc., your cover should be pocket-friendly and offer the best coverage of risks.
It is best to comprehensively compare policies from insurers, read the exclusions, deductibles, and ensure that it is accepted in the Schengen territory before buying a policy. You can check what policies fit your budget on our website.
Things to Consider Before Getting Your Schengen Visa Travel Insurance
The Right Time: The right time to get your travel insurance is as soon as your travel dates are fixed. Make sure that there is a buffer of at least a few days before and after your trip to make sure that your policy remains valid in case there are any changes in your trip.
The Right Policy: It is crucial that you perform ample research before picking a policy. Religare’s insurance comparison tool helps you find the right policy.
The Right Cover: The benefits are many-fold. Determine your needs and match your budget with the cover that you need. Insurance is not money wasted, it is an investment for your safety.
The Right Cost: Use the Religare Travel Insurance Calculator and compare prices to get the best deal. Factors like destination, duration of the trip, optional covers, age, etc., can add or reduce the premium.
The Right Assurances: It is essential to understand the insurer’s claims and refund policy. Most policies come with explicit clauses that permit a refund of premium during a fixed trial period of 14 days. Check the claim settlement period, and the percentage of claims settled as well.
Reading and researching the fine-print and understanding your needs can save you much money when untoward mishaps occur. It is crucial to know what is included and what is not in to make a claim when needed. Understand your policy and make the best use of it. Religare’s policy meets all of the criteria set out above and is popular as a definite boon to the vacationer planning to visit the Alps.