Schengen aur Europe ka trip plan kar rahe ho? Bohot accha! Lekin, foreign trips mein kuch unexpected chezen ho sakti hain jo mehengi pad sakti hain. Tension na lo, Schengen visa ke liye travel aur medical insurance ki service aap hum se online le sakte ho.Yeh instant milta hai, customize kar sakte ho, aur affordable hai.Yeh Schengen ke 29 countries mein accepted hai.Yaad rakho, Schengen visa ke liye travel insurance lena zaruri hai.
① Schengen travel insurance kya hai?② Schengen travel insurance plan kaise choose karen?
③ Visa applicants ke liye travel insurance kyun zaruri hai?
④ Schengen travel insurance ka cost kitna hota hai?
⑤ Schengen medical insurance mein kya kya cover hota hai?
⑥ Schengen travel insurance mein trip cancellation ka coverage hota hai?
⑦ Trip cancellation ka coverage exactly kya hota hai?
Schengen travel insurance kya hai?.
Pura Europe ka continent, Britain ko chor kar, European Union ka hisa hai. Toh, Europe ke kisi bhi country mein jane ke liye, aapko Schengen visa ki zarurat padegi, jo aapko Europe ke 29 countries mein bina kisi dikkat ke ghumnay ka moka deta hai.
Schengen visa ke liye apply karte waqt kuch documents tayar karne padte hain. Indian passport holders ke liye, travel insurance ka proof dena zaruri hai. Yeh policy aapke safar se related kharchon ko cover karti hai, jaise baggage, medical emergencies, aur koi bhi unexpected situation.
Lekin, Schengen countries ke apne rules hote hain. Unke apne criteria hote hain ki aapka travel health insurance kaise hona chahiye, taki aapka visa valid ho. Isliye, Indian passport holders ko Schengen visa ke liye apply karte waqt sabhi requirements ko pura karna padta hai.
Schengen travel insurance plan kaise choose karen?
Schengen visa coverage plan choose karte waqt, yeh ensure karen ki provider EU/Schengen embassies aur consulates se licensed aur approved ho, aur policy sabhi requirements ko pura karti ho. Agar yeh requirements pura nahi hoti, toh visa reject ho sakta hai, isliye apni policy dhyan se check karna zaruri hai.
Visa applicants ke liye travel insurance kyun zaruri hai?
European Parliament aur Council ka rule (EC) No 810/2009, jo 13 July 2009 ko bana tha aur 5 April 2010 se laga tha:
Uniform visa ke liye apply karte waqt, applicants ko yeh sabit karna padta hai ki unke paas valid travel medical insurance hai, jo medical reasons ke liye repatriation, urgent medical treatment, emergency hospital treatment ya death ke expenses ko cover kare. Yeh insurance Schengen Area ke sabhi Member States mein valid hona chahiye aur applicant ke stay ya transit ke pure period ko cover kare. Minimum coverage EUR 30,000 honi chahiye.
Schengen travel insurance ka cost kitna hota hai?
Schengen travel health insurance kafi affordable ho sakta hai, ek week ke policy ka price €18 se shuru hota hai. Lekin, Schengen medical insurance ka kharcha kuch chezon par depend karta hai — jaise aapki age, coverage kitni chahiye, trip ka duration, aur kaunsa insurer hai.
2023 mein, 15 million se zyada Schengen visas diye gaye, aur sabhi applicants ko EU rules ke according valid insurance coverage ka proof dikhana pada (source: European Commission).
Schengen medical insurance mein kya kya cover hota hai?
Achi travel health insurance policy jo EU/Schengen area ke liye ho, usme yeh sab cover hota hai:
- Schengen Area mein medical emergency (accident ya illness)
- Emergency evacuation
- Dead body ko wapas bhejna
- Minor ko wapas bhejna
- Accident se death, injury ya disability ka benefit
- Funeral expenses
- Dental emergencies
Agar travel pehli trimester mein ho, toh pregnancy related expenses bhi cover hote hain. Baad mein, coverage insurer ke hisab se alag ho sakti hai.
Schengen travel insurance mein trip cancellation ka coverage hota hai?
Zyadatar Schengen visa insurance plans mein trip cancellation ka benefit nahi hota, kyunki yeh sirf medical coverage dene ke liye banti hain jo EU guidelines ke according zaruri hai.
Agar trip cancellation ka benefit chahiye, toh aapko ek alag add-on kharidna padega aur usse apni Schengen medical visa insurance ke sath use karna hoga.
Trip cancellation benefits lene ke liye, aapko yeh options dekhne padenge:
- Apne existing provider se trip cancellations ke liye ek add-on policy kharidna.
- Dusre provider se ek alag travel insurance policy lena jo trip cancellation ka benefit de.
- Yeh check karna ki kya aapki Schengen policy mein limited trip interruption coverage hai, jo unforeseen situations (jaise family emergencies ya natural disasters) ki wajah se jaldi ghar wapas jaane ke kharch ko reimburse kare.
Important: Yeh extra protections aapke insurance plan ka total cost badha sakte hain.
Trip cancellation ka coverage exactly kya hota hai?
Yeh benefit kuch hi situations mein aapko cover karta hai agar aap apni trip cancel karte ho. Yeh usually tabhi cover karta hai jab aapke paas strong reasons ho, jaise:
- Health emergency jo aapko Schengen Area jane se rok le.
- Aapke family member ki death.
- Koi natural disaster jo trip ko rok de.
- Berozgari jo trip pe jana mushkil bana de.
FAQ 1 : Kya Schengen travel insurance lena zaruri hai?
Han, generally yeh zaruri hai, khaas kar un logon ke liye jo Schengen Zone (aur/ya European Union) ke bahar se Europe aa rahe hain.
Yeh isliye, kyunki Schengen Zone ne apne internal border checks ko mostly hataya hai, lekin jo visitors Schengen ke bahar se aate hain unhe kisi bhi member state ke border par entry ke liye valid Schengen Visa chahiye hota hai.
Aur Schengen Visa lene ke liye, travel insurance hona zaruri hai.
PRO-TIP: Agar aap aise country se aa rahe ho jahan visa nahi chahiye (kyunki unhone Schengen ke sath agreement kiya hai), phir bhi insurance lena acha hai. Kyunki travel karte waqt kuch unexpected chezen ho sakti hain, isliye best hai ki aap prepared rahe.
FAQ 2 : Schengen travel insurance ka age limit kya hai?
Europe ke liye travel insurance mein, Tata AIG usually 3 mahine ke bachon ko single trip plans ke liye aur 12 se 80 saal tak ke logon ko annual multi-trip plans ke liye cover karta hai. Dusre providers ke age limits alag ho sakte hain, isliye best hai ki aap apne provider se check karen.
FAQ 3 : Travel insurance cancel karne par kya mujhe refund milega?
Agar aap apni policy cancel karte ho, toh aapko premiums ka refund mil sakta hai, bas yeh ensure karen ki aapne koi claim nahi kiya ho. Single-trip insurance ke liye, refund tabhi milega agar aap Schengen insurance ke expire hone se 21 din pehle wapas aa jate ho. Annual insurance ke liye, aapko 7 din pehle written notice dena hoga refund ke liye.
FAQ 4 : Schengen Travel insurance kharidne ke fayde?
- Visa Approval Ke Liye Zaruri: Schengen visa ke liye yeh zaroori hai, bina iske aapka application reject ho sakta hai.
- Medical Expenses Ka Coverage: Schengen area travel insurance aapko illness ya injury ke case mein hospital ke kharch se bachata hai.
- Lost Ya Delayed Luggage Ke Liye Compensation: Agar aapka luggage kho jaye, chura liya jaye, ya delay ho, toh aapko compensation milta hai.
FAQ 5 : Schengen Visa ke liye kaunsi insurance accepted hai?
Sabhi insurance providers Schengen visas ke liye accepted nahi hote. Apni policy ko valid banane ke liye:
- Policy details dekhen: make sure karen ki aapki policy required coverage ko cover karti ho.
- Medical Expenses Ka Coverage: Schengen area travel insurance aapko illness ya injury ke case mein hospital ke kharch se bachata hai.
- Compliance: Check karen ki policy mein likha ho ki yeh Schengen visa ke rules ko follow karti hai.
FAQ 6 : Schengen travel insurance kharidte waqt yeh galtiyan na karen?
- Fine print mat dekho: Policy ache se padhke samjho.
- Kam coverage time: Dekho policy pura trip cover kare.
- Unverified Providers: Sirf trusted insurance companies lo.