Planning a trip to Europe? Learn why Schengen visa rules require mandatory travel insurance and how it protects you during your journey.
🖋 By Meenakshi – AZAD Architects, Barnala
✈️ Is Travel Insurance Mandatory for a Schengen Visa?
Whether it is a long-awaited holiday, an important business tour, or an international study adventure, every trip brings unique experiences—and unexpected situations. That is where travel insurance steps in, offering a safety net against unplanned mishaps like medical emergencies, trip disruptions, lost luggage, or flight delays.
Wherever you are heading and for whatever reason, the right travel insurance plan ensures you are equipped to handle uncertainties with ease. Begin your trip worry-free—explore a variety of travel insurance options and get insured in just a few clicks. With extensive coverage, quick online claims, and 24/7 worldwide support, you can focus on making unforgettable memories instead of worrying about the "what-ifs."
🌍 What Is Travel Insurance?
Travel insurance is a financial safety net that protects you from unexpected expenses while you are on a trip. These expenses typically arise from events beyond your control—such as sudden medical needs, accidents requiring hospitalization, lost luggage, or delayed flights.
A good travel insurance policy provides coverage throughout your entire journey, even if you are visiting more than one country. You can also tailor the policy based on where you are going and why—whether it is for leisure, business, or study.
🛡️ What Does Travel Insurance Typically Cover?
• Emergency medical treatment and hospitalisation abroad
• Legal liabilities and related costs
• Lost, stolen, or delayed baggage
• Medical evacuation and return to home country
• Compensation for cancelled trips and non-refundable bookings
• Assistance for lost or stolen passports and documents
• Aircraft hijack distress allowance
• Emergency cash support for lost cards or traveler’s cheques
• Missed cruise connections*
• Loss or theft of personal electronic devices*
• Accidental injury benefits during travel
(Coverage may vary depending on the policy. Check specific plan details.)
In fact, several countries make travel insurance mandatory for visa approval. Without valid insurance, you might not even be able to enter certain destinations.
Choosing the right travel insurance plan gives you peace of mind—so you can enjoy your journey without worrying about unpredictable disruptions.
Types of Travel Insurance Plans
🌐 International Travel Insurance – Secure Every Step Abroad
Ready to explore the world? Let us help you begin your journey with the right overseas travel insurance!
International travel brings the joy of tasting exotic cuisines, immersing yourself in diverse cultures, and walking through places steeped in history—or even locations from your favorite movies and novels. Whether your trip is for work, relaxation, or adventure, one thing remains essential: peace of mind while you are abroad.
Unfortunately, unexpected events like lost baggage, sudden illness, or minor accidents can quickly turn your dream vacation into a stressful experience—especially in a foreign land. That is why international travel insurance is not just a precaution, but a necessity.
With TATA AIG's international travel insurance, you can enjoy your journey without worrying about the unexpected. From handling delayed or missing luggage to helping with stolen passports or medical issues (including COVID-19-related treatment*), our coverage is designed to support you every step of the way.
Do not let uncertainties interrupt your travel memories. Stay protected, stay confident—with TATA AIG overseas travel insurance.
*Note: Tata AIG covers medical treatment expenses related to COVID-19 when the insured is outside India. Policy terms and conditions apply.
✨ Key Benefits of International Travel Insurance
An international travel insurance plan is designed to offer peace of mind, protection, and assistance when you are far from home. With a TATA AIG overseas travel insurance policy, you gain access to a host of features that keep you secure and supported throughout your journey:
An international travel insurance plan is designed to offer peace of mind, protection, and assistance when you are far from home. With a TATA AIG overseas travel insurance policy, you gain access to a host of features that keep you secure and supported throughout your journey:
🏥 Medical & Accident Coverage
Feeling unwell in a foreign country can be unsettling, but with our policy, you are not alone. We will cover the costs for emergency medical care if you fall sick or get injured. Whether it is a minor accident or a serious medical situation requiring hospitalization or even medical evacuation, we have got your back. We also cover emergency dental treatment and repatriation of remains, if required.
🌍 24x7 Travel Assistance
Lost in a new country? Need help finding a hospital or applying for a new passport after theft? Our global assistance team is just a call away. We provide round-the-clock support to guide you through urgent situations and ensure you are never left helpless.
🎒 Coverage for Baggage Loss or Delay
Luggage delays or loss can be frustrating. Whether your baggage is misplaced, stolen, or rerouted to the wrong airport, We will cover essential purchases or compensate you for the lost items so your trip can continue without disruption.
⚖️ Personal Liability Protection
If you are involved in an accident where someone is injured or property is damaged, you will not have to bear the financial consequences alone. Your policy helps cover liability expenses such as medical or repair costs, protecting you from legal and financial strain.
✈️ Hijack Distress Allowance
In the unfortunate event of an aircraft hijack, we offer a distress allowance as a small step toward easing the mental and emotional toll such situations can cause.
⏳ Automatic Policy Extension
If you are hospitalized when your policy is about to end, We will extend your coverage automatically—up to 60 days or until you are discharged. If your return flight is delayed for reasons beyond your control, your policy will also be extended by 7 days at no extra cost, ensuring you are never without coverage.
🧳 Travel Far. Travel Safe.
With these features, TATA AIG’s international travel insurance ensures that your trip is secure, worry-free, and well-supported—no matter where life takes you.
🌍 Why Choose TATA AIG International Travel Insurance?
When planning your trip abroad, it is important to choose a travel insurance policy that not only protects you from unexpected costs but also keeps things simple and affordable. Here is how TATA AIG international travel insurance makes your journey safer and smarter:
✅ 1. COVID-19 Treatment Included
If you test positive for COVID-19 while overseas and require medical care or hospitalization, your policy will cover the expenses—so you can focus on recovery instead of bills.
💸 2. Pay in INR, Get Global Coverage in USD
With TATA AIG, you pay your premium in Indian Rupees, but your insurance coverage is in US Dollars. This means you get worldwide protection at a cost that fits your local budget.
💰 3. Budget-Friendly Premiums
Our international travel insurance plans start as low as ₹40.82 per day. That is all it takes to enjoy peace of mind throughout your trip—whether it is short or long-term.
⚡ 4. Quick & Easy Policy Purchase
No lengthy forms or medical checkups needed! You can purchase your policy online in just a few clicks, with instant confirmation and minimal hassle.
✈️ Travel Confidently, Wherever You Go
With reliable support, global coverage, and affordable premiums, TATA AIG makes it easy to travel the world with confidence.
🌍 What is Included in TATA AIG International Travel Insurance?
When you are far from home, unexpected events can become major stress points. TATA AIG’s overseas travel insurance provides comprehensive protection for a wide range of scenarios—helping you travel with peace of mind, whether it is for business, leisure, or study.
COVID-19 Coverage
✅ Medical Treatment for COVID-19 Abroad
If you contract COVID-19 during your international trip and require hospitalization outside India, your policy covers the medical expenses—up to the limit mentioned in your plan.
✅ Trip Cancellation Due to COVID-19
If you, a travel companion, or an immediate family member tests positive before your trip begins, We will reimburse non-refundable expenses like hotel bookings or flight tickets (provided they were paid for in advance).
✅ Trip Interruption
If COVID-19 forces you to cut your trip short, We will compensate for unused travel and accommodation bookings, and cover additional expenses incurred due to the early return—within policy limits.
✅ Policy Extension Due to Lockdown
In case a lockdown is announced in your destination country and no travel options are available, your policy will automatically extend by 7 days. (T&C apply)
Baggage Protection
🕒 Baggage Delay
If your checked-in baggage is delayed or misrouted by the airline, We will reimburse the cost of essential items to help you get through.
❌ Baggage Loss
If your entire checked baggage is lost or stolen during transit, the policy compensates you for your lost belongings (not applicable to partial damage or loss).
Travel Disruptions
📘 Lost Passport
In case your passport is stolen or lost, We will help you connect with authorities and reimburse the cost of obtaining a new one.
🛑 Trip Curtailment
We will cover pre-paid, non-refundable travel or accommodation costs if your trip is cut short due to illness, injury, or death of you or your immediate family member.
❌ Trip Cancellation
Get reimbursed for lost bookings if your trip is cancelled before departure due to medical emergencies, injury, or the death of you or a covered companion.
🕓 Missed Flights
If bad weather or technical failures cause you to miss a flight, your additional travel costs will be covered under the policy.
🏨 Bounced Bookings
If a confirmed hotel or airline booking is denied due to overbooking, We will reimburse the expenses incurred despite having a valid confirmation.
🏠 Theft at Home
If your home in India is burglarized while you are abroad, We will help cover the cost of damaged property or lost belongings—provided your home was not left unoccupied for more than 90 days.
✈️ Hijack Distress Allowance
In the unfortunate case of a hijack, we offer a distress allowance to help cope with the emotional and logistical toll.
⏳ Flight Delays
If your flight is delayed for over 12 hours due to weather or strikes, We will help cover extra accommodation or related expenses you may incur during the wait.
Personal Protection
⚖️ Personal Liability
If you are involved in an accident abroad that causes injury or damage to others or their property, We will cover the legal and financial liabilities.
💳 Fraudulent Charges
If your credit/debit card is stolen and used for unauthorized transactions, We will reimburse the charges (provided you report the theft within 12 hours).
🔁 Policy Extension
If your return is delayed and no travel options are available, We will automatically extend your policy by 7 days at no extra charge.
Medical Coverage
🚨 Emergency Medical Expenses
From minor illnesses to serious accidents, your policy covers hospital stays, treatments, and even emergency dental care. You can also choose a sum insured amount that fits your travel needs.
🚑 Medical Evacuation
Whether you are in a remote location or need to return to India for treatment, the policy covers emergency medical evacuations and transport back home.
🕊️ Accidental Death & Repatriation
In case of a fatal accident, your nominee receives the full sum insured. The policy also covers the cost of bringing the deceased's remains back to India.
Note: Please refer to the detailed policy document to understand all inclusions, exclusions, and applicable terms.
🌍 What is Not Covered by TATA AIG’s International Travel Insurance?
While TATA AIG offers wide-ranging protection for your overseas journeys, some situations fall outside the scope of coverage. Here is a detailed breakdown of what is not covered in TATA AIG international travel insurance:
✈️ Travel-Related Exclusions
Even with the best insurance, certain circumstances are beyond control:
• ❌ Passport Issues: If your passport is lost due to detention or confiscation by police, customs, or any authority — the plan will not cover this.
• 🕐 Late Reporting: Failing to report a lost passport to local authorities within 24 hours will void claim eligibility.
• ⚔️ War or Conflict Zones: Any travel losses due to war, military conflicts, or similar hostile conditions are not insured.
• ☢️ Nuclear or Biological Risks: Damage caused by nuclear radiation, radioactive exposure, or chemical/biological agents is not covered.
• ✈️ Flying Duties: If you are flying an aircraft or working as part of the aircraft crew, insurance does not apply to losses during those duties.
🏥 Medical Treatment Exclusions
Certain medical conditions and scenarios are not covered under the base policy:
• 📋 Ignoring Medical Advice: Travelling against your doctor’s advice excludes you from medical coverage abroad.
• 🏥 Pre-Existing Conditions: Complications from known health issues before travel are not covered.
• 🪖 Military Injuries: Injuries sustained while serving in armed forces are not insured.
• ⛷️ Adventure Sports: High-risk activities like scuba diving, mountain climbing, or skydiving are not included (unless an add-on is purchased).
• ❌ Self-Inflicted Harm or Substance Abuse: Injuries from suicide attempts, STDs, mental health conditions, or drug/alcohol intoxication are not covered.
• ➕ Optional Add-ons Required: Covers like cruise disruptions, electronic item loss, and adventure activities are only available as paid add-ons.
🧳 Baggage and Personal Item Exclusions
Keep these in mind when packing or shipping items:
• 📦 Shipped Baggage: If you send luggage separately from your travel, it is not insured.
• 🇮🇳 Domestic Delays: Delayed baggage within India (either before departure or after return) will not qualify for a claim.
• 💻 Gadgets and Valuables: Electronic devices like phones or laptops, as well as cash, cards, and financial documents, are not covered under the base plan.
🔍 Final Thoughts
Every travel insurance policy has its limitations. The key to worry-free travel is reading the fine print and selecting relevant add-on covers based on your trip needs. For full terms and conditions, contact TATA AIG customer support or speak to a trusted travel insurance advisor.
🌍 When, Where & How to Choose the Right International Travel Insurance Plan?
Planning your dream trip abroad? Do not forget to secure yourself with the right international travel insurance. Selecting a suitable travel policy is not just about ticking boxes—it is about peace of mind. Below are the key factors to consider before making your decision:
✈️ Travel Destination Matters
Your choice of travel insurance heavily depends on where you are going. Some countries—especially in Europe—mandate travel insurance for visa approval (like Schengen countries). Always check country-specific insurance requirements before booking.
Tip: Choose a plan that provides comprehensive coverage specific to your destination, including medical emergencies, political unrest, or natural disasters.
🔁 Travel Frequency – One-Time or Frequent Flyer?
• Single-trip insurance is best for one-off vacations or short business visits.
• Multi-trip (annual) plans are ideal for frequent travelers—it covers unlimited trips in a year with one-time payment.
Why it matters: A multi-trip plan saves both money and time if you are a globetrotter or a frequent business flyer.
📅 Duration of the Trip
Make sure your policy period exceeds your travel dates slightly. That way, if you extend your trip or face delays, you are still covered.
Example: Traveling from August 1 to August 20? Opt for coverage until August 25.
Pro Tip: Some insurers offer grace periods at no extra cost. Look out for them!
👨👩👧👦 Solo, Couple, or Family Travel?
• Going alone? A solo plan will suffice.
• Traveling with family? Choose a family floater policy that includes your spouse, kids, or even elderly parents.
Note: Inform the insurer upfront about the number of travelers for hassle-free claims and documentation.
💰 Claim Limits & Sum Insured
Every policy has caps on payouts for baggage loss, hospitalization, flight delays, etc. Do not ignore this!
• Choose higher sum insured if visiting countries with expensive healthcare (like the USA, UK, or Canada).
• A higher premium may pinch, but it can save lakhs in medical bills during emergencies.
Tip: Look for policies with cashless hospitalization, 24x7 customer support, and high medical expense cover.
✅ Final Checklist Before You Buy
• ✔️ Compare multiple insurers online
• ✔️ Read policy exclusions carefully
• ✔️ Check if COVID-19 cover is included
• ✔️ Ensure the insurer has global hospital tie-ups
• ✔️ Buy online for instant policy issuance
💡 Conclusion: Smart Travel Starts with Smart Insurance
Whether it is a quick business visit or a long vacation, the right overseas travel insurance protects you from financial and medical stress. Always choose a policy that aligns with your destination, trip length, and personal needs.
✈️ Safe travels start with smart planning—Do not leave without coverage!
✈️ Things to Keep in Mind While Planning Your International Trip
Planning a trip abroad can feel overwhelming with all the research and preparations involved. To make your journey smoother, here is a handy guide covering important points you should know before you set off on your next adventure!
🌐 Buying International Travel Insurance Online
Your first step should always be securing travel insurance. Buying an international travel insurance policy online from TATA AIG is quick and hassle-free. Just follow these simple steps:
1. Share your travel destination, departure date, and return date.
2. Provide the ages of yourself and fellow travelers.
3. Choose from available insurance plans according to your needs.
4. Enter additional details like passport number and contact information.
5. Make your payment and check your email for your travel insurance policy instantly!
🛂 When Do You Need International Travel Insurance?
While travel insurance is highly recommended every time you go abroad, it is mandatory for some countries. You will need a valid travel insurance policy to get a visa for countries like:
• Antarctica
• Cuba
• Ecuador & Galapagos Islands
• Qatar
• Russia
• Schengen Area Countries
• Turkey
• United Arab Emirates
• United States of America
If you are travelling to these destinations, make sure your policy meets their specific requirements.
🛂 Visa on Arrival & Insurance FAQs for Indians
• Where can Indians get a visa on arrival? Several countries offer visa on arrival; check their requirements for insurance beforehand.
• Do Indians need insurance for Schengen visas? Yes, it is compulsory to have valid travel insurance covering medical emergencies for Schengen visa approval.
🎒 What Should You Pack for International Travel?
Aside from your clothes and essentials, here is a checklist of must-haves for a hassle-free trip:
• Valid passport (ensure it is not expiring within 6 months)
• Travel adapters for charging phones, laptops, and other gadgets
• Basic medical kit: painkillers, personal medicines, bandages, allergy meds
• Sunscreen and moisturizer to protect your skin during sightseeing
• International travel insurance policy for emergency support
• Forex card for convenient currency exchange and cashless payments
• A camera or smartphone to capture memories
• Weather-appropriate clothing: raincoat or umbrella if needed, or light cottons for warm climates
• Comfortable footwear for walking and exploring
⚠️ Important Travel Precautions
Whether it is your first trip abroad or your fiftieth, these safety tips are essential:
• Keep your passport safe—hotel lockers are ideal—and carry a photocopy as ID.
• Avoid carrying large amounts of cash; use cards or withdraw money as needed. Stay alert while using ATMs.
• Research your destination beforehand to be aware of common scams targeting tourists.
• Do not keep all your money in one place; divide it between your wallet, hidden pockets, and bags to minimize risk if stolen.
🧳 Final Thought
Planning ahead and taking simple precautions can make your international travel smooth and stress-free. Start with securing the right travel insurance and packing smartly to ensure a memorable and safe journey!
🏠 Domestic Travel Insurance: Start Your Journey with Confidence!
India’s rich tapestry of cultures and landscapes makes every domestic trip a unique adventure. Whether you are exploring the country’s breathtaking wonders or traveling between cities for work, having domestic travel insurance is essential to safeguard your journey.
Many travelers overlook domestic travel insurance, thinking it is an unnecessary expense since they are within their own country. However, unexpected events like lost tickets, trip cancellations, or sudden medical emergencies can happen anywhere and might cost you more than you expect.
An accident or emergency could force you to cancel your plans or require urgent medical care while you are on the move. With a reliable domestic travel insurance policy, you are protected against such surprises — ensuring peace of mind so you can focus on enjoying your trip without stress.
Do not leave home without it — secure your domestic travels with the right insurance plan today!
⭐ Key Features of TATA AIG Domestic Travel Insurance
Travel within India with confidence and peace of mind! When you purchase a TATA AIG Domestic Travel Insurance policy, you unlock a range of valuable benefits designed to keep you safe and comfortable throughout your journey. Here is what you can expect:
🚑 Comprehensive Accident Coverage
Accidents can happen unexpectedly, sometimes requiring hospitalization or, in severe cases, resulting in fatality. Our domestic travel insurance covers emergency medical treatments, medical evacuations, and even repatriation of the insured’s remains, so you are never alone in difficult times.
🆘 24/7 Travel Assistance
Whether you are exploring a new city or traveling for work, unforeseen situations can arise. If you need help locating medical facilities, arranging emergency transport, or any other travel support, our dedicated assistance team is just a call away to guide you through.
⚖️ Personal Liability Protection
If you accidentally injure someone else or cause damage to another person’s property during your travels, Do not worry about the costs. This policy covers the necessary medical expenses or repair charges so you are protected from financial burdens.
👪 Emergency Family Travel Support
In case you are hospitalized alone for a long time, this plan will cover the expenses for a family member to make a round trip visit to your bedside. Additionally, it reimburses any unused hotel charges caused due to your hospitalization, helping you manage unexpected disruptions.
Travel safely and smartly with TATA AIG’s domestic travel insurance — your reliable companion for every journey across India!
👍 Benefits of Choosing TATA AIG Domestic Travel Insurance
Travel smart and stress-free across India with TATA AIG’s domestic travel insurance. Here are some of the key advantages that make our plans the perfect travel companion:
1. Instant Online Policy Purchase
Buy your domestic travel insurance quickly and easily online—no lengthy paperwork or medical tests required. Get covered in just a few clicks!
2. Affordable Premiums
Starting at only INR 26 per day, our insurance policies offer great value for money, making worry-free travel accessible to everyone.
3. Coverage for Lost Tickets
Lost your air or rail tickets during the journey? No problem! We will reimburse the cost of your original tickets so your travel plans Do not get disrupted.
4. Flexible Multi-Trip Annual Plans
If you travel frequently for work or leisure, opt for our multi-trip annual plans. Enjoy continuous coverage for multiple trips throughout the year without reapplying every time.
5. Easy Plan Comparison
Visit tataaig.com to compare various domestic travel insurance plans side by side. Choose the one that best suits your coverage needs and budget with our handy Compare Travel Insurance feature.
Travel confidently and make every journey a safe one with TATA AIG Domestic Travel Insurance!
🛡️ What Does TATA AIG Domestic Travel Insurance Cover?
Travel across India worry-free knowing that your TATA AIG Domestic Travel Insurance policy has you covered in a variety of situations, from travel disruptions to medical emergencies.
🚆 Journey-Related Coverage
Delayed Trip:
If your journey is delayed by more than 5 hours due to covered reasons and you are away from your home city, We will reimburse additional accommodation expenses, if needed.
Missed Departure:
Missed your train or flight? We will cover the cost of the ticket so you can get back on track without extra financial stress.
Lost Tickets:
Lost your train or flight ticket? Your insurance will reimburse the ticket cost to keep your travel plans intact.
Personal Liability:
If you accidentally cause injury to someone else or damage their property during your trip, our policy will cover the related expenses, so you are protected from unexpected costs.
Travel Assistance:
Need legal support or emergency travel help while away? Our domestic travel insurance plan assists with these expenses so you are never left stranded.
🏥 Medical Coverage
Accidental Medical Emergencies:
If you meet with an accident while traveling, your policy helps cover emergency hospitalisation costs and, in unfortunate cases, fatalities.
Medical Evacuation:
In case you need urgent medical evacuation to the nearest hospital or to your hometown, your domestic travel insurance will handle these critical expenses.
Accidental Death & Repatriation:
If an accident results in death, the policy pays the full insured amount to your nominee and covers the cost of transporting the deceased back home.
Family Transport:
For long hospital stays, the policy covers the round-trip travel expenses for a family member to visit and support you during recovery.
Replacement Staff on Business Trips:
If you are injured on a business trip, the policy will cover travel and accommodation for a colleague to take over your responsibilities.
Per Day Hospital Costs:
Hospital room charges incurred daily due to accident-related injuries are also covered by the policy.
Please refer to your policy documents for full details on coverage, terms, and exclusions.
🚫 What is Not Covered by TATA AIG Domestic Travel Insurance?
While TATA AIG’s domestic travel insurance offers broad protection, there are some situations where coverage is not available. Here is a look at what is excluded:
✈️ Journey Exclusions
• Participation in adventure or extreme sports such as skydiving, scuba diving, or mountain climbing is not covered under this policy.
• Losses arising from threats to national security, including civil war, invasion, revolution, rebellion, or acts by foreign enemies, are excluded.
• Non-medical expenses that you incur during your travel (like personal purchases) are not covered.
🏥 Medical Exclusions
Your claims may be denied in the following cases:
• If you travel against medical advice from your doctor.
• If complications arise from pre-existing health conditions or congenital anomalies.
• Claims related to pregnancy, childbirth, birth control, or related surgeries.
• Hospitalisation for elective or cosmetic surgeries.
• Treatment of sexually-transmitted diseases, mental health disorders, or injuries caused by alcohol or non-prescribed drug use.
• If you are traveling specifically to seek medical treatment.
Always review your policy documents carefully to understand all terms, conditions, and exclusions.
🎓 Student Travel Insurance — Pursue Your Dreams with Peace of Mind!
Every year, thousands of Indian students embark on exciting journeys to study abroad—in countries like the USA, Germany, or the UK. While chasing your passion and expanding your horizons, it is important to protect yourself from unexpected challenges that could impact your finances.
Studying overseas is not just about tuition fees and living costs—unforeseen medical emergencies, lost baggage, or interruptions in your studies can lead to heavy expenses. That is why having a dedicated student travel insurance plan is essential.
TATA AIG’s Student Travel Insurance is designed specifically to meet the unique needs of students studying abroad. Beyond standard coverage like medical emergencies and lost luggage, this policy also reimburses you if you need to interrupt your studies due to illness or other covered reasons.
You can easily compare different travel insurance plans to find the perfect balance between coverage and premium that fits your needs. Plus, our plans are flexible—you only pay for the days you are actually outside India, making it affordable and convenient.
With TATA AIG Student Travel Insurance, enjoy your overseas education journey with the confidence of safety, security, and hassle-free protection.
Note: Tata AIG covers COVID-19 related medical expenses for insured students traveling outside India. Terms and conditions apply.
Key Features of TATA AIG Student Travel Insurance
When you are studying abroad, your safety and peace of mind matter most. Here is what you get when you choose a TATA AIG Overseas Student Travel Insurance plan:
✔️ Coverage for Accidents and Illnesses
Falling sick or getting injured overseas can be stressful and costly. Our plan covers medical expenses for illnesses and accidents, including emergency treatment, hospitalisation, medical evacuation, and even repatriation of remains if needed. We also cover emergency dental care when required.
✔️ Compassionate Visits
If you are hospitalised abroad for more than seven days, we cover the travel costs for a family member to visit you. Similarly, if a family member back home is hospitalised for over seven days, we help cover your travel to be with them.
✔️ Study Interruption Protection
Sometimes life throws unexpected challenges — serious illness, extended hospitalisation, or a family bereavement might force you to interrupt your studies. If you cannot complete a paid semester due to these reasons, we reimburse your unused tuition fees.
✔️ Travel Assistance
Being in a foreign country can be overwhelming if emergencies arise. Whether you need help finding medical care or replacing a lost passport, our support team is ready to assist you throughout your trip.
✔️ Hijack Cover
If you become a victim of hijacking during your travels, we provide a distress allowance to help with immediate needs during this difficult time.
✔️ Personal Liability Coverage
If you accidentally injure someone or damage their property, we cover the related medical or repair costs so you Do not have to pay out of pocket.
✔️ Baggage Loss or Delay
Lost, stolen, or delayed baggage can be frustrating. Our policy reimburses you for the cost of necessary items you need to buy or compensates you for your lost belongings.
Benefits of Choosing TATA AIG Student Travel Insurance
1. Study Interruption Protection
If a medical emergency forces you to pause your studies, We will refund your semester fees to ease the financial burden.
2. Sponsor Coverage
In case your sponsor suffers a fatal injury or permanent disability, your policy will cover your remaining tuition fees, so your education stays secure.
3. Pay in Rupees, Covered in Dollars
You pay your premiums in Indian Rupees, but enjoy coverage in US Dollars — giving you affordable protection with strong international benefits.
4. Budget-Friendly Plans
Our student travel insurance starts from just ₹41.33 per day, making it a cost-effective way to protect your study-abroad journey.
Coverage Provided by TATA AIG International Student Travel Insurance
COVID-19 Coverage
Covers medical expenses if you test positive for COVID-19 and require hospitalization during your studies abroad.
Baggage Protection
• Delayed Baggage: Reimburses necessary personal items if your checked luggage is delayed.
• Lost Baggage: Compensates for lost or stolen luggage based on policy terms.
Journey Benefits
• Sponsor Protection: If your sponsor becomes disabled or passes away, your tuition fees for the remaining course are covered.
• Lost Passport: Assistance and reimbursement for costs related to getting a replacement passport.
• Missed Flights: Covers extra expenses if you miss flights due to bad weather, strikes, or equipment failure.
• Hijack Allowance: Provides distress compensation if you are on a hijacked flight.
• Personal Liability: Covers damages or injuries caused to others during your travel.
• Fraudulent Charges: Reimburses unauthorized card transactions if reported within 12 hours.
• Bail Bond: Helps cover bail costs if wrongfully detained abroad.
Medical Coverage
• Medical Emergencies: Covers treatment costs for illness, injury, dental emergencies, and hospitalization.
• Emergency Evacuation: Pays for medical evacuation to a hospital abroad or repatriation to India if needed.
• Continuing Treatment: Covers ongoing treatment costs related to a valid claim.
• Accidental Death & Repatriation: Pays the insured amount to nominees and covers return of remains to India.
• Study Interruption: Reimburses unused tuition fees if you must interrupt studies due to medical reasons or family emergencies.
• Compassionate Visit: Covers travel costs for a family member to visit you if hospitalized abroad for over 7 days.
• Maternity Benefit: After a 10-month waiting period, covers inpatient maternity treatment and one month post-natal care.
• Childcare Benefits: Covers costs if your infant (7–90 days old) is hospitalized for two or more days.
• Cancer Screening: Pays for medically necessary cancer screening or mammography if recommended by a doctor (not routine check-ups).
• Physiotherapy: Covers medically necessary physiotherapy after an accident.
Please refer to the official policy document for detailed terms, conditions, inclusions, and exclusions.
Exclusions in TATA AIG Student Travel Insurance
Journey Exclusions
• No coverage if flight delay was due to a known issue before you bought the policy.
• Adventure sports like skydiving, scuba diving, and mountain climbing are not covered.
• Missed flights due to local protests or agitations will not be reimbursed.
• Losses that happen while you are intoxicated by alcohol or drugs will not be covered.
• Trip cancellations due to illness or death of a pet are not covered; rescheduling is advised instead.
Medical Exclusions
• No coverage if you traveled against your doctor’s advice.
• Medical bills related to pre-existing health conditions are excluded.
• Damages or loss caused by nuclear reactions, radiation, or contamination are not covered.
• Injuries sustained while serving in the armed forces are excluded.
• Medical costs for self-inflicted injuries, sexually transmitted diseases, and mental or nervous disorders are not covered.
• Treatment needed due to injuries caused while under the influence of alcohol, drugs, or intoxicants is excluded.
Baggage Exclusions
• Loss of baggage is not covered if you shipped your items separately or before your trip.
• No coverage if baggage is delayed while you are still in India, either before departure or after returning.
When Is Student Travel Insurance Needed?
1. For Admission
Many countries and educational institutions require students to have travel insurance to get a visa and confirm enrollment. It is often mandatory to ensure you are protected during your stay abroad.
2. In Medical Emergencies
Medical treatment abroad can be very expensive. Student travel insurance helps cover these costs so you can get the healthcare you need without worrying about huge bills.
3. When You Need Family Support
If you are hospitalized for over a week, the insurance can cover the cost for a family member to visit you. Similarly, if a family member is seriously ill back home, it can cover your travel to be with them.
4. When Your Studies Are Interrupted
If you have to suspend your course due to serious illness or hospitalization, the insurance can reimburse the tuition fees paid for the semester you could not attend.
In short, student travel insurance is essential for admission, health emergencies, family support during tough times, and protection against financial loss if studies get interrupted.
👵 Senior Citizen Travel Insurance
Travel has no age limit — and neither should your insurance!
• Designed specifically for individuals aged 71 and above, so seniors can explore the world safely, even into their 80s and beyond.
• Tailored to address the unique challenges senior travelers face.
• Comes with a dedicated helpline for seniors to help with quick claim settlements and reduce trip disruptions.
• Covers common travel issues such as delayed luggage, lost passports, and COVID-19 medical expenses (when hospitalized abroad).*
• Ensures peace of mind so seniors can enjoy their travels without worry.
*Coverage for COVID-19 medical expenses applies when traveling outside India. Policy terms and conditions apply.
Features of TATA AIG International Senior Citizen Travel Insurance
• Cover for Accidents and Illnesses
Provides financial help for medical treatment when you fall sick or get injured abroad. Covers emergency hospitalization, medical evacuation, repatriation of remains, and emergency dental care if needed.
• Travel Assistance
Assistance with finding medical treatment locations or help with lost/stolen passport replacement while traveling abroad.
• Baggage Loss or Delay
Covers reimbursement or compensation for lost, stolen, or delayed luggage during your international travel.
• Personal Liability
Covers costs if you accidentally injure someone else or cause damage to their property while traveling, so you Do not have to pay out of pocket.
• Automatic Extensions
If you are hospitalized abroad when your policy expires, coverage extends automatically for up to 60 days or until discharge, whichever is sooner.
Also, if your return flight is delayed with no alternate travel options, coverage automatically extends for 7 extra days.
Advantages of TATA AIG International Senior Citizen Travel Insurance
1. COVID-19 Covered*
If you test positive for COVID-19 during your trip and need hospitalization, the policy covers your treatment costs.
2. Affordable Policies
Plans start at just INR 188 per day, offering peace of mind without breaking the bank.
3. Dedicated Claim Helpline
Senior citizens can access support anytime via the dedicated helpline: 1 800 22 99 66 for claims and assistance while overseas.
4. Cover for All Ages
Regardless of your age, as long as you are a senior citizen, you are covered for international travel.
*Policy terms and conditions apply.
TATA AIG’s International Senior Citizen Travel Insurance covers for elderly travelers:
Baggage Covers
• Delayed Baggage: Covers the cost of necessary personal items if your luggage is delayed or sent to the wrong location.
• Lost Baggage: Reimburses you for items in your lost or stolen luggage, subject to policy terms.
Journey Covers
• Policy Extension: Automatically extends coverage by 7 days if your flight is delayed or cancelled and no alternative travel options are available.
• Personal Liability: Covers costs if you cause injury to another person or damage someone else’s property.
• Lost Passport: Pays for reasonable expenses related to obtaining a new passport abroad.
Medical Covers
• Medical Emergencies: Covers hospitalization and treatment for illnesses, accidents, dental emergencies, and fatalities while abroad.
• Emergency Medical Evacuation: Pays for evacuation to the nearest hospital or repatriation to India for medical treatment if necessary.
• Accidental Death and Repatriation: Provides the full sum insured to your nominee in case of death and covers the cost of bringing your remains back to India.
Please refer to the full policy documents for detailed terms, conditions, inclusions, and exclusions.
TATA AIG’s International Senior Citizen Travel Insurance does NOT cover:
General Exclusions
• Suicide, self-harm, treatment for sexually-transmitted diseases, mental or nervous disorders, AIDS, HIV, anxiety, stress, or depression.
• Injuries sustained while serving as a member of the armed forces.
• Injuries or treatment required due to influence of alcohol, drugs, hallucinogens, or other intoxicants.
• Involvement in illegal activities such as felony, theft, deceit, or malicious acts.
• Losses related to learning to operate aircraft or duties as aircraft crew.
• Losses caused by war, civil war, invasion, insurrection, revolution, or acts of foreign enemies.
• Losses caused by military force or equipment used to prevent terrorism.
• Damages caused by nuclear reactions, radiation, radioactive contamination, or dispersal of poisonous/pathogenic materials.
• Claims if engaged in manual labor or work hazardous to health.
• Medical bills for complications due to congenital anomalies.
• Treatment for osteoporosis or fractures related to pre-existing weakened bones.
• Add-on covers like Cruise Inconvenience, Loss of Electronic Portable Items, Adventure Sports, etc., are not included in the base policy and require additional premium.
For detailed information, always refer to the official policy wordings and terms.
Things to Remember for Senior Citizens While Travelling Abroad
1. Time the Trip Perfectly
Choose a travel time when the weather at your destination is mild—not too hot or cold—to avoid health complications. Extreme weather can increase the risk of medical issues. Though senior citizen travel insurance helps with medical costs if hospitalised, prevention is always better.
2. Carry Your Medicines
Always pack your regular medicines and supplements. This helps you avoid high medication costs abroad and prevents treatment needs for pre-existing conditions, which may not always be fully covered. In critical cases, your insurance will assist with treatment costs.
3. Keep Your Passport Safe
Store your passport securely—preferably in your hotel safe or a secure place. Avoid carrying the original passport everywhere; instead, carry a copy as your ID proof. If lost, your senior citizen travel insurance will help cover the expenses of obtaining a new passport.
🔁 Annual Or Single Trip Insurance
Travel brings joy and excitement, but sometimes unforeseen events can disrupt your plans. Medical emergencies, natural disasters, or even unexpected lockdowns can cause delays or cancellations, spoiling your trip. This is why purchasing a travel insurance policy is essential before travelling, whether domestically or internationally.
Why Travel Insurance is Important
Travel insurance acts as a financial safety net to protect you against unfortunate incidents during your journey. It covers a wide range of potential challenges, including:
• Trip cancellations or delays
• Loss of passport, luggage, cash, or important documents
• Hospitalisation expenses due to accidents or medical emergencies
• Burglary at home while you are away
• Dental emergencies
• Personal liability claims
• Emergency evacuations
• 24/7 assistance for travel-related emergencies
What is Not Covered
Travel insurance generally excludes coverage for high-risk activities such as bungee jumping, rock climbing, and accidents caused by the use of illegal drugs.
What is the Difference Between Single Trip and Annual Travel Insurance?
Travel insurance policies generally come in two popular types: Single Trip and Annual (Multi-Trip) plans. Understanding the differences can help you select the best option for your travel needs.
Single Trip Travel Insurance
• Ideal for infrequent travellers who take one trip at a time.
• Covers financial losses for both domestic and international travel.
• Coverage duration typically lasts up to 180 days from the day you begin your trip (varies by insurer).
• The policy expires once you return home or to your country of residence.
• Offers plan customization based on the specific trip.
Multi-Trip (Annual) Travel Insurance
• Designed for frequent travellers who take multiple trips within a year.
• Provides coverage for 365 days from the policy start date.
• Covers any number of trips during this period.
• Each trip coverage is limited to 30 or 45 days (not suitable for extended stays over 180 days).
• Typically suited for business travellers or those who travel multiple times annually.
• Saves time and paperwork by having one policy valid for the whole year without needing to buy separate insurance for each trip.
• Usually has a higher premium compared to single-trip insurance due to extended coverage.
If you travel occasionally, a single-trip plan is a cost-effective choice. If you are a frequent traveller, especially for business, an annual multi-trip plan saves hassle and ensures you are always covered.
Annual or Single Trip Insurance: What to Choose?
When deciding between a single trip or an annual (multi-trip) travel insurance plan, consider your travel habits and needs carefully. Here are some key factors to help you choose the right plan:
How Many Trips Do You Plan in a Year?
• Multiple trips: Choose a multi-trip (annual) insurance plan for convenience and better value.
• One trip: A single trip plan is more cost-effective.
Duration of Your Stay
• Trips longer than 180 days: Single trip insurance may not be suitable. Look for an annual plan that covers extended stays.
• Shorter trips: Single trip insurance usually covers durations up to 180 days per trip.
Cost Considerations
• Calculate costs: Add up the premiums of single trip plans for all your planned journeys.
• Compare: Check if the combined cost exceeds the premium of an annual multi-trip plan.
• Choose the more economical option based on your travel frequency and trip length.
Conclusion
Selecting the right travel insurance policy protects you from financial losses caused by unforeseen events during your trip. While some trips may be spontaneous, most are planned in advance, giving you time to evaluate your insurance needs.
• Always compare travel insurance plans online for features and costs.
• Tata AIG offers various plans with comprehensive coverage, including personal liability, dental costs, and more.
• You can also find specialised plans for families, senior citizens, and students.
• Do not forget to buy your travel insurance before you pack your bags to ensure smooth and worry-free travel.
🔁 Annual Multi-Trip Travel Insurance
Travel insurance is a crucial part of international trips, and many countries require proof of coverage during visa applications. It protects you financially against unexpected events such as missed flights, lost luggage, theft, medical emergencies, and more.
Who Should Consider Annual Multi-Trip Insurance?
If you travel overseas frequently—whether for business or leisure—annual multi-trip travel insurance is an excellent choice. These plans are specifically tailored for frequent flyers who take multiple trips in a year.
What is Annual Multi-Trip Insurance?
An annual multi-trip insurance plan provides coverage for multiple trips within a 12-month period under a single policy. This means you Do not need to purchase separate insurance every time you travel internationally.
Benefits
• Covers multiple trips throughout the year
• Saves time and paperwork
• Often more cost-effective for frequent travelers
• Provides continuous coverage for up to 365 days
What is Multi-Trip Travel Insurance?
Multi-trip travel insurance, also called annual trip travel insurance, is designed for frequent travelers. Unlike a single-trip plan that covers just one journey, this plan covers multiple trips within a year under a single policy.
• Unlimited Trips: You can take any number of trips during the policy period, and you are covered as long as your yearly plan is active.
• Ideal for Frequent Flyers: Whether you are a business owner, work in a multinational company, or just love traveling abroad often, Tata AIG’s annual multi-trip travel insurance offers protection for your travels.
• Comprehensive Coverage: It safeguards you against a variety of trip-related emergencies, such as medical expenses, lost passports, luggage delays, trip cancellations, and more.
Eligibility Criteria
• Travelers aged 12 to 80 years
• Must take two or more trips outside India annually
• Each trip covered for 30 to 45 consecutive days (can vary by plan)
• Automatic 7-day extension for unexpected delays
Note: Specific terms may vary by insurer.
Annual Multi-Trip Travel Insurance: Features & Details
Key Features
• Free Look Period: Cancel within 15 days of purchase for a full refund (only for annual plans).
• Unlimited Trips: Coverage for unlimited trips in a year; each trip lasts 30–45 days.
• Comprehensive Coverage: Protection against trip cancellations, flight delays/cancellations, medical emergencies, lost passport, baggage loss, etc.
• Personal Liability: Covers accidental injury or property damage caused to a third party, including related legal liabilities.
• Grace Period & Extensions: 30-day grace period for renewal; automatic 7-day coverage extension for unforeseen travel delays.
What Multi-Trip Insurance Covers
• Third-Party Liability: Financial/legal coverage if you cause injury or property damage to others.
• Trip Assistance: Reimbursement for non-refundable costs like hotels, flights, and bookings due to emergencies.
• Flight Delay or Cancellation: Compensation for missed or delayed flights.
• Medical Support: Emergency hospitalization, accidental death, dental costs, and emergency medical evacuation.
• Loss of Baggage and Passport: Coverage for replacing lost luggage and passports.
• Repatriation and Death: Covers repatriation of the body or treatment costs if death or permanent disability occurs during travel.
• Hijack Cover: Compensation for distress if your flight is hijacked (as per policy terms).
What Multi-Trip Insurance Does NOT Cover
• Medical expenses for pre-existing conditions (except life-threatening emergencies).
• Treatment of terminal illnesses.
• Self-inflicted injuries, suicide attempts, HIV, routine check-ups, or substance abuse.
• Traveling against medical advice.
• Overseas trips specifically for medical treatment.
• Nuclear hazards, war, and war-like situations.
• Non-medical expenses not explicitly covered.
• Loss/theft due to negligence or unreported incidents.
• Medical emergencies occurring after returning to India.
Things to Consider Before Buying Multi-Trip Insurance
• Do you travel abroad multiple times a year?
• Are your trips lengthy (days/weeks)?
• Are your travel plans unpredictable, requiring worldwide coverage?
• If yes to any, annual multi-trip insurance may be ideal.
• Tata AIG plans also cover last-minute trip cancellations with flight ticket insurance.
How to Buy Tata AIG Annual Multi-Trip Travel Insurance
1. Visit Tata AIG’s international travel insurance page.
2. Enter travel purpose, destination country(ies), trip start/end dates.
3. Toggle “Travel Multiple times a Year?” option.
4. Click “Get Plan”, enter DOB and mobile number, then “See Plan”.
5. Choose a plan and click “Buy Now”.
Claims Process for Annual Multi-Trip Insurance
• Report incidents within 7 days, no later than 30 days.
• Use Tata AIG’s website, toll-free number, or authorised overseas assistance.
• For theft, notify local authorities within 24 hours and get an FIR copy.
• Submit all relevant documents (FIR, medical bills, etc.) promptly.
• Claims typically settle within 30 days; if delayed beyond 45 days, interest is payable at 2% above the bank rate.
Why Choose Tata AIG’s Annual Travel Insurance?
1. Affordable Protection
Get coverage for multiple trips in a year with one cost-effective plan—no need to buy separate policies for each trip.
2. Instant Policy Purchase
Buy your overseas travel insurance easily online and get instant coverage within minutes.
3. COVID-19 Coverage
Stay protected with coverage for COVID-19 treatment if you test positive and need hospitalization during your trip.
4. Flexible Plans
Choose from a variety of plan options to customize your coverage based on your specific travel needs.
5. 24/7 Customer Support
Access round-the-clock customer support from anywhere in the world. We are here to assist you whenever you need us.
🇪🇺 Travel Insurance for Schengen Visa
If you are an Indian traveller planning to visit any of the 29 Schengen countries, obtaining Schengen travel insurance is mandatory for your visa application. This region-specific medical travel insurance provides essential protection for your journey across the Schengen area.
Why Do You Need Schengen Travel Insurance?
Non-EU visitors applying for a Schengen visa must have travel insurance with a minimum medical coverage of EUR 30,000. This ensures you are covered against unexpected medical emergencies and other travel-related issues during your trip.
Benefits of Tata AIG’s Schengen Travel Insurance
• Visa-Compliant Coverage: Meets the minimum insurance requirements for Schengen visa approval.
• Medical Emergencies & Hospitalisation: Covers medical treatment, emergency hospital stays, and ambulance costs.
• Trip Delays and Cancellations: Financial protection in case your trip is delayed or cancelled unexpectedly.
• Baggage Loss or Delay: Compensation for lost, stolen, or delayed baggage so you can replace essential items.
• Worldwide Assistance: 24/7 global support to help you manage emergencies smoothly.
Whether you are travelling for leisure, business, or employment, Tata AIG’s Schengen travel insurance ensures a seamless, worry-free experience as you explore or work within the Schengen zone.
Key Features and Benefits of Tata AIG Schengen Travel Insurance
• Visa-Compliant Coverage
Meets the mandatory minimum coverage of EUR 30,000 required by all Schengen countries for visa approval.
• Comprehensive Medical Coverage
Includes emergency medical expenses, hospitalisation, doctor visits, ambulance charges, and emergency dental treatment.
• Trip Cancellation and Interruption Protection
Reimburses non-refundable expenses if your trip is cancelled or interrupted due to unforeseen events like illness or travel disruptions.
• Baggage Loss, Theft, or Delay Coverage
Compensation for lost, stolen, or delayed luggage, helping you replace essential belongings without hassle.
• Lost Passport Assistance
Covers the cost and assistance related to replacing a lost or stolen passport while travelling.
• Personal Liability Protection
Covers legal and medical costs if you accidentally injure someone or damage their property while travelling.
• Emergency Medical Evacuation and Repatriation
Covers costs of transportation to the nearest suitable medical facility or back to your home country if medically necessary.
• 24/7 Global Assistance Services
Access to round-the-clock support for medical, travel, and emergency help wherever you are in the Schengen area.
• Coverage for COVID-19
Medical expenses related to COVID-19 treatment and hospitalization while travelling abroad.
• Flexible Policy Duration
Options to choose coverage periods that match your travel itinerary, from a few days to several months.
How to Buy Schengen Travel Insurance for a Schengen Visa
1. Visit Tata AIG’s website and go to the Travel Insurance page.
2. Select your travel purpose, enter your destination(s) and travel dates.
3. Enter your date of birth, mobile number, and details of any travel companions.
4. Click “See Plans” to view and compare 3 plan options with premium details.
5. Click “Proceed to Add-ons” to select any extra coverages if needed, then continue.
6. Enter your KYC details and complete payment.
7. Receive your Schengen travel insurance policy instantly via email.
How to File a Schengen Travel Insurance Claim Online
• Visit the TATA AIG Claim Page and click “Initiate Claim” within:
- 7 days of the incident (or within 24 hours for theft/robbery).
• Select “Travel”, enter your policy number, and click Next.
• Submit the claim form along with all necessary documents within 30 days.
• Claims are reviewed and settled, usually within 30 days.
Contact Information for Schengen Travel Insurance Claims
• International Claims:
Phone: +91-022 68227600
Email: EA.TATAclaims@europ-assistance.in
• India Claims:
Phone: 022 6489 8282 / 1800 267 1955 (Dedicated line for Senior Citizens)
Email: general.claims@tataaig.com
Why Choose Schengen Travel Insurance by Tata AIG?
• Paperless Policies & Competitive Prices
Buy the cheapest Schengen travel insurance online starting at just ₹24.8 per day. No medical tests needed.
• Refunds on Visa Rejections & Flight Cancellations
Instant claim settlements for trip cancellations, delays, and visa rejections including visa fee refunds.
• Global Medical Coverage Without Sub-limits
Comprehensive hospitalisation, day care, OPD treatment, and COVID-19 hospitalisation/quarantine coverage for all 29 Schengen countries.
• Additional Coverage Bundles
Optional add-ons like cruise protection, adventure sports, permanent disability cover, and frequent flyer benefits.
🛂 Visa Procedure for Schengen Countries from India
Step 1: Access Visa Application Portal
• Visit the official visa portal of your Schengen destination country or the authorised VFS Global website.
Step 2: Choose Visa Category & Complete Application
• Select the appropriate visa category (tourist, business, student, etc.).
• Fill out the Schengen visa application form online or in person.
Step 3: Pay Fees & Schedule Appointment
• Make the required visa fee payment.
• Schedule an appointment at the nearest embassy, consulate, or VFS Visa Application Centre (VAC).
Step 4: Submit Biometrics & Documents
• Visit the designated centre on the appointment day.
• Submit your biometrics (fingerprints, photo) and supporting documents.
Step 5: Wait for Processing & Receive Visa
• Once processed and approved, your passport with Schengen visa will be sent to your registered address or available for pickup.
Schengen Visa Processing Time
• Typical processing time is 15 days.
• Peak seasons may cause delays up to 30 days.
• Complex cases or backlogs can extend processing up to 60 days.
• Tip: Apply well in advance to avoid delays.
Common Reasons for Schengen Visa Rejection
• Passport is expired or damaged and does not meet validity requirements.
• Submission of incomplete paperwork or missing documents.
• Failure to prove financial stability for the duration of the trip.
• Not having mandatory travel insurance covering at least EUR 30,000.
• Lack of clarity about the purpose of visit.
• Having a criminal record that raises concerns.
• Providing fraudulent or unverifiable hotel and flight reservation details.
🗺️ Types of Schengen Visas
1. Airport Transit Visa (Type A)
• For travellers passing through a Schengen airport without entering the Schengen Area.
• Valid for up to 24 hours.
• Allows access only to the international transit zone of the airport, no entry into the Schengen countries.
2. Short-Term Visa (Type C)
• Allows travel across Schengen countries for up to 90 days within any 180-day period.
• Can be issued as single-entry, double-entry, or multiple-entry visa based on traveller’s needs.
3. Limited Territorial Validity Visa (LTV)
• Permits travel only within the issuing Schengen country or specific countries mentioned in the visa.
• Valid for up to 90 days.
• Does not allow access to all Schengen countries.
4. National Long-Stay Visa (Type D)
• Issued for long-term stays exceeding 90 days (work, study, family reunification, etc.).
• Rules and rights vary by issuing country.
• May allow limited movement within Schengen uner specific conditions.
Visa Documents Required for Schengen Visa from India
• Valid Indian Passport
Minimum 6 months validity from the planned date of return.
At least 2 blank pages.
• Confirmed Flight Tickets and Itinerary
Round-trip or onward journey details.
• Schengen Travel Medical Insurance
Minimum coverage of EUR 30,000 for medical emergencies.
• Proof of Accommodation
Hotel bookings, rental agreements, or invitation letter from a host.
• Proof of Finances
Bank statements, payslips, sponsorship letters, or proof of employment.
• Additional Documents
Depending on travel purpose, visa type, and destination country (e.g., student documents, work permit, invitation letters).
📌 Thank you!
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Meenakshi (Azad Architects, Barnala)
