Securing Travel Insurance for a Schengen Business Visa: What Indian Applicants Must Know in 2025

 Planning to attend a trade fair in Germany, meet a client in France, or finalize a deal in the Netherlands? If you’re applying for a Schengen business visa from India, one of the non-negotiable requirements is valid travel insurance. Yet, many applicants overlook the fine print or settle for inadequate policies that risk visa rejection.

This guide breaks down everything Indian business travelers need to know about Schengen visa insurance in 2025 from mandatory coverage amounts to smart buying tips, in under 800 words.



Why Is Travel Insurance Mandatory for Schengen Visas?

Schengen countries require proof of travel insurance to:

  • Cover emergency medical treatment and hospitalization

  • Avoid burdening public healthcare systems

  • Ensure travelers can afford repatriation in medical emergencies

This insurance acts as a financial safeguard for both the traveler and the country hosting them. Without it, visa applications are almost certain to be rejected.


Schengen Travel Insurance Requirements (2025)

To be valid for a Schengen business visa, your travel insurance must:

  • Provide minimum coverage of €30,000 (approx. ₹2,700,000)

  • Cover all Schengen Area countries

  • Be valid for the entire duration of stay

  • Include medical evacuation and repatriation

Make sure the insurer provides a certificate of insurance with:

  • Policy number and insurer contact

  • Dates of validity

  • Countries covered

  • Emergency contact number (preferably international)


Trusted Insurance Providers in India (2025)

Many Indian insurers now offer Schengen-compliant travel policies, but reliability is key. Choose a provider with:

  • Embassy recognition

  • 24/7 global claim assistance

  • High settlement ratio

Top options include:

  • TATA AIG Schengen Travel Plan

  • HDFC ERGO International Travel Insurance

  • Bajaj Allianz Europe Plan

  • Care Health/Religare Travel Insurance

  • ICICI Lombard Overseas Insurance

Most of these are easily purchasable online and issue instant certificates.


When and How to Buy the Right Policy

Buy your insurance after confirming your flight and stay dates but before your visa appointment. It’s ideal to:

  • Match policy dates to travel dates exactly

  • Include a buffer of 1–2 days pre and post travel for flexibility

  • Ensure digital copies are stored and printed

Many policies now offer visa denial refunds always check terms.

Tip: Avoid waiting until the last minute to avoid mismatches and documentation errors.


Avoid These Common Mistakes

  • Selecting a low-cost plan that skips medical repatriation

  • Not covering all countries in the Schengen zone

  • Buying insurance without checking if a certificate is issued

  • Uploading only payment receipts instead of proper documentation

Even small errors can cause delays or outright denials. Always double-check.

Embassy Checklist for Schengen Visa Insurance (India - 2025)

Use this checklist before your VFS or embassy appointment:

Final Thoughts

Don’t let a technicality ruin your business travel plans. Getting the right insurance policy is not just a visa requirement, it's a personal safety measure and financial cushion.

Whether you're attending a conference in Spain, sealing a partnership in Italy, or exploring new markets in France, ensure your policy complies with Schengen guidelines and embassy expectations.

Need expert help? BTW Visa Services offers assistance with embassy-approved travel insurance and end-to-end Schengen business visa documentation.

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