Schengen insurance is a mandatory international travel insurance policy required for obtaining a Schengen visa, which allows travel within the 27 Schengen Area countries in Europe. This type of insurance is designed to cover various risks and assist travellers in case of unforeseen events. Here’s a detailed explanation of Schengen travel insurance:

Coverage Requirements for Visa

To meet the requirements for a Schengen visa, the international travel insurance must include:

Medical Coverage: This includes a minimum coverage of 30,000 euros for medical expenses, including hospitalisation, emergency treatment, and repatriation due to medical reasons.

Validity: The insurance must be valid for the entire stay in the Schengen Area.

Coverage Across Schengen States: The policy must be valid in all 27 Schengen countries without exceptions.

Components of Schengen Travel Insurance

This insurance usually covers:

• Medical Emergencies: Costs associated with urgent medical care, including doctor visits, hospital stays, surgeries, and emergency dental treatment.
• Repatriation: Transportation costs for returning to the home country due to medical reasons or in case of death.
• Accidents: Coverage for accidental injuries occurring during the trip.
• Travel Delays and Interruptions: Compensation for costs incurred due to significant travel delays or interruptions caused by illness or emergencies.
• Personal Liability: Coverage for damages caused to third parties, including bodily injuries or property damage.
• Lost or Stolen Items: Reimbursement for lost or stolen luggage, travel documents, and personal belongings (optional).

Schengen Travel Insurance: Eligibility and Purchase

• Who Needs It: All non-EU citizens applying for a Schengen visa must have this insurance. That includes tourists, business travellers, students, and visitors.
• Where to Purchase:Schengen travel insurance can be bought from various providers, including insurance companies, travel agencies, and specialised online platforms. Ensuring the provider is recognised and the policy meets the Schengen visa requirements is crucial.

About the Future Generali’s Easy Travel Schengen

Future Generali offers a plan called ‘Future Easy Travel Schengen’ for your journey across Europe through the Schengen Visa. It covers any unexpected mishaps that may occur while enjoying the stunning European views.

Why Choose Future Generali for Your Schengen Visa Travel Insurance?

Services available worldwide

Total protection during abroad trips with 24/7 toll-free support.

Complete coverage

It covers baggage loss/delay, medical expenses, passport loss, etc.

Additional features?

• Policies issued instantly
• Easy cash settlements
• Provides flexibility
• You can purchase policies online
• Worldwide coverage is available
• Travel plans are customisable

What’s Covered for You?

Medical Expenses

Travelling to an unexplored country is exciting, but accidents or emergencies can happen. The insurance will cover your costly medical bills if you need medical care.

Accidents

Prepare for the unexpected. The insurance covers you in case of permanent disability or death due to an accident.

Financial Emergencies

If you need extra money during your trip, they can help and will work with your family to get you the funds you need.

Baggage Delay or Loss

Sometimes, luggage gets delayed or lost at the airport. The plan covers extra expenses if this happens to you.

Passport Loss

Losing your passport while abroad can be stressful. The insurance plan covers the costs of getting a replacement or temporary passport.

Other Travel Problems

They also cover costs for various travel issues like:

• Trip delays
• Trip cancellations
• Cutting your trip short
• Hijackings
• Missing a connecting flight

What Are the Exclusions?

Here are the things the insurance does not cover.

1. Any unusual physical injury like drug influence, alcohol, etc.
2. Congenital diseases & illnesses
3. Hormone or sex-change-related treatment
4. Illness or injury caused during an invasion, war, or other similar operations
5. Non-prescribed medicines & drugs

How to Buy Future Easy Travel Schengen?

1. Receive a Quote Quickly

Provide a few essential details regarding your visa and travel, and we’ll quote you.

2. Fill Out the Form

Choose a quote which fits your needs and complete the proposal form with some travel-related questions.

3. Pay and Receive Your Policy

Do the premium payment, and we’ll send your policy directly to your inbox.

What’s After Purchase?

Here is what You will get after buying a policy.

Policy Schedule

You will get a policy schedule, which is a summary of your coverage. It includes details about the coverage amount, policyholder, and any exclusions, additional clauses, and warranties.

Premium Receipt

You will get a receipt for the premium amount paid for your policy.

Policy Coverage: Terms & Conditions

This detailed document explains your policy’s coverage and terms and conditions. Read it carefully and note the key points. If you have any questions or discrepancies, contact the support immediately.

Claim Form

If you need to make a claim, you can do it online, submit it at the nearest branch, or email the form to the team.

Form for Complaint/Feedback

In case of any complaints or feedback, fill out this form, submit it at your nearest branch, or email it.

Redressal of Grievance

If you are not satisfied with how the team resolved your complaint, you can contact the Insurance Ombudsman. The form will explain how to do that and provide the addresses of the ombudsmen.

Claim Process

Here is how to use your travel insurance for medical emergencies.

1. Medical Emergency/Hospitalisation

If you have a medical emergency or need hospitalisation abroad.

2. Get treatment

Go to the service provider and show your policy to receive cashless treatment.

3. Notify Insurer

Notify ‘Europ Assistance’ to start the claim process.

4. Guarantee Letter

The Europ Assistance will issue a guarantee letter to the medical provider per your policy coverage.

5. Bill Settlement

The Europ Assistance will pay the medical bills directly to the provider.

Conclusion

Schengen travel insurance is essential to planning a trip to the Schengen Area, providing necessary protection and fulfilling visa requirements. Travellers should carefully choose a policy that meets their needs and complies with Schengen regulations.