€30,000 Schengen travel insurance. From ₹399 incl. GST$5.

The rule is precise, which is good news — it means you can get it exactly right. A Schengen visitor policy must carry at least €30,000 of medical cover, including emergency treatment and repatriation, be valid across the whole Schengen Area — all 29 countries — and cover your entire stay, entry to exit.

Consulates check those three things in that order: amount, territory, dates. Fail any one and the policy fails the checklist, however strong the rest of the file is.

One all-in base, then a quote for anything bigger. The base price is ₹399 incl. GST ($5) per traveller and covers a short trip of up to 5 days abroad for a traveller under 60, with the €30,000 Schengen cover. Longer trips, travellers over 60 and higher cover levels (Super Visa CAD 100,000, for example) are quoted before issue.

We quote the exact premium for your dates in the WhatsApp chat before you pay — payment instructions follow in the same chat — and the certificate is issued for your exact travel window by a licensed IRDAI-registered insurer, named on your policy before you pay.

Yes — and this is worth being blunt about, because made-up “certificates” are sold online under the same name as the real thing, and only one of them is a policy an insurer actually issued.

The insurer’s name and the policy number are printed on the certificate, so the consulate always knows exactly whose policy it is reading.

However many days your stay actually runs. The Visa Code doesn’t set a day count — Article 15 asks for cover across “the entire period of the intended stay or transit”. In practice that means entry to exit, and the asymmetry matters: cover that extends a day or two beyond the trip is perfectly fine; a certificate even one day short of the stated stay risks rejection, because dates are one of the three things consulates check line by line.

No document can. What makes insurance unusual among visa documents is that it is strictly mandatory: a missing, date-short or under-covered policy can sink an otherwise strong application on the checklist alone. That is why it is worth getting exactly right — not because it buys an outcome, but because getting it wrong loses one.

A compliant certificate satisfies one requirement. The decision itself weighs your whole file — purpose, funds, ties, consistency — and no provider can honestly promise what an officer will decide.

Word for word, it asks for “adequate and valid travel medical insurance” covering costs from repatriation for medical reasons, urgent medical attention, emergency hospital treatment, or death — at a minimum of €30,000.

One clause people rarely hear about: if you’re granted a multiple-entry visa, the article only requires proof of cover for your first intended visit — but you sign a declaration acknowledging that you need equivalent cover for every stay after that. The insurer’s obligation to you doesn’t end when the sticker goes into your passport; it’s just no longer anyone’s job to check it for you.

The article states the minimum in euros, so the cleanest certificate states it in euros too. A policy priced or sold in rupees or dollars can still satisfy the rule — the test is simply whether a reader can see, on the document itself, that the cover meets or exceeds €30,000. Making an officer convert a currency in their head is one avoidable reason for a second look.

It can be — and it’s worth checking before you pay for a second policy. What settles it is not who arranged the cover but what the paperwork says: a certificate, not a benefits leaflet, naming you as your passport does, stating at least €30,000 of medical cover with repatriation, spanning your exact dates, and valid across the Schengen Area.

Send us the policy document on WhatsApp before you buy anything new. We’ll read it against those four lines and tell you in minutes whether it already qualifies or exactly where it falls short — that is a five-minute message, not a purchase.

Five things, in practice, and every one of them traces back to a specific line in Article 15 rather than an embassy’s personal preference:

• Cover that isn’t clearly shown as at least €30,000
• Cover that ends before the last day of the stay
• A certificate naming one country instead of the Schengen Area
• A policy that pays for treatment but is silent on repatriation
• A policy whose payout can’t be verified as recoverable within a Member State

For the application itself, no. Article 15 only asks you to prove cover for your first intended visit — and you sign a declaration acknowledging that you need equivalent cover for every stay after that.

What trips people up is the gap between that and a multi-year visa validity. The declaration you sign is the obligation continuing in your name, not in the insurer’s. In practice, buy fresh cover before each trip you actually take — never assume the certificate from your first visit still applies three trips later.