Cover for the Trip, and for the Unexpected.

Yes. It must give at least €30,000 of medical cover, including emergency treatment, hospital stays and repatriation, valid in every Schengen country for your whole stay. Your Indian health policy doesn't count.

Often only for a life-threatening emergency, up to a set limit, and some plans exclude it entirely. Always declare it when you buy; we'll find the plan that treats it best.

Call the insurer's 24-hour assistance number before you're admitted, or as soon as you can in an emergency, so they can arrange cashless treatment. Otherwise pay, keep every report and bill, and claim when you're back; we'll help you file it.

A lump sum if an accident (not an illness) causes death or permanent disability, full or partial. It doesn't replace health insurance, which pays the hospital bills.

Call us, and tell the insurer as soon as you can: most policies set a time limit. Keep every bill, report and photo. Don't repair damage or throw away damaged goods until the surveyor has seen them, unless you're told you can. For theft, or a road accident with injury, file a police report.