Compare ICICI Lombard, Tata AIG, Bajaj Allianz, HDFC Ergo, ACKO and Care Health travel insurance. Schengen-compliant policies and senior-citizen plans.
Pick which sources FlightGPT queries. Toggle a source off to skip it during search.
Fares and prices quoted in this guide are indicative estimates only — illustrative, not live quotes, and may be out of date. Search FlightGPT for current fares before booking.
International travel insurance from India costs ₹25-₹40 per day and covers medical emergencies (up to ₹2-5 crore depending on plan), trip cancellation, baggage loss, flight delay, and passport loss. For Schengen visa applicants, travel insurance with minimum €30,000 medical coverage is mandatory. FlightGPT helps you compare quotes from the top Indian insurers and buy the right plan for your trip in minutes.
The five insurers Indians actually use: ICICI Lombard (most popular for Schengen, fast online policy issuance), HDFC Ergo (97.45% claim settlement ratio, highest in India), Tata AIG (best US-network coverage), Bajaj Allianz (best for senior travellers 60+), ACKO (cheapest digital-first plans from ₹8/day). Our detailed comparison covers each by feature, claim ratio, and best-fit use case.
For a Schengen visa you must submit travel insurance with: minimum €30,000 medical coverage, validity across all 29 Schengen states, repatriation cover, coverage spanning your entire stay plus a buffer day. All major Indian insurers (HDFC Ergo, ICICI Lombard, Tata AIG, Bajaj Allianz, Care) offer Schengen-compliant plans purchasable online with the policy document emailed within 5 minutes — usable directly with your visa application.
Single-trip insurance costs ₹350-₹600 for a week-long international trip. Annual multi-trip plans (covering all international trips in a year, each capped at 30/45/90 days) cost ₹4,500-₹8,000/year. Break-even is around 4-5 trips per year. If you travel internationally that often, annual multi-trip is dramatically cheaper.
Claim settlement ratio (HDFC Ergo at 97% is the leader), exclusions (most plans exclude pre-existing conditions, adventure sports, pregnancy, alcohol-related incidents — read the policy wording document), coverage limits matched to destination (US needs $500K+, SE Asia is fine with $100K), 24/7 emergency helpline operating in India time zones. The cheapest policy that excludes your specific risk is worth nothing.