Belgium Visa Travel Insurance for Indians: Cover and Cost

The requirements below are as published on the official sources, checked on 15 October 2026. For the full checklist, centres and fees, read our Belgium visa guide for Indians.

What must a Belgium visa insurance policy cover?

The insurance rule applies to the Short Term Visa (C), the Schengen visa for stays of up to 90 days, whether you travel for tourism, family visits or business. Your policy is checked against six points:

A policy that covers Belgium alone fails the territory test, even if Belgium is your only stop. The Schengen visa lets you move across the area, so the insurance has to follow you.

Which insurers are accepted for a Belgium visa from India?

Only companies on the approved list of insurance companies in India. A policy bought from an overseas insurer that is not on that list does not meet the checklist, however good the cover.

Our record does not reproduce the list itself, and it can change. Ask your insurer to confirm in writing that it is approved for Schengen visa applications, or check with VFS Global before you submit. Belgian visa questions are answered by the Embassy only by email (newdelhi.visa@diplobel.fed.be) or, for the Mumbai jurisdiction, by the Consulate General (mumbai.visa@diplobel.fed.be).

What does insurance add to the cost of a Belgian visa?

The Embassy does not publish insurance premiums; they are set by each insurer and depend on your age, trip length and cover. What it does publish is the rest of the bill:

The rupee visa fee follows the exchange rate set by the Embassy and can change without notice, and it is non-refundable. Budget for daily funds too: the Immigration Office's guideline is generally at least EUR 95 per day if you stay in a hotel, or EUR 45 per day with a private individual, shown in your bank statements.

What happens if your insurance falls short?

Belgium's Immigration Office lists the refusal grounds of Article 32 of the Visa Code. One of them is the absence of adequate travel medical insurance. Others include insufficient means of subsistence, unreliable information or doubtful documents, and reasonable doubt about your intention to leave before the visa expires.

The decision and its reasons are communicated to you. You can appeal, or lodge a new application that fixes the reasons, and a previous refusal does not automatically lead to another refusal.

For context, European Commission data shows a refusal rate of 7.8% for Schengen visa applications lodged at Belgian consulates in India in 2025, with 2,581 visas not issued and 33,333 applications lodged (8.8% in 2024). That figure describes past decisions, not your own chances.

Do students and workers need a different policy?

Yes. Long-stay applicants need health cover for life in Belgium, not a travel policy:

• Visa D for Students: health insurance covering all risks in Belgium for the whole stay, plus a medical certificate from an Embassy-certified doctor.
• Single permit (work and residence): health insurance covering all risks in Belgium, filed with the stay documents in your employer's application.
• Search year after studies: health insurance covering risks in Belgium is again on the list.

Before you buy: a quick checklist

• Book the policy after your travel dates are fixed, and extend it if the dates move.
• Check that arrival and departure days are both inside the policy period.
• Make sure the schedule shows EUR 30,000 or more and names the Schengen area.
• Sign the policy, and keep copies: the checklist asks for two sets of documents for a short stay.
• Apply under the right office: the Embassy in New Delhi covers states such as Delhi, Punjab, Uttar Pradesh and West Bengal, while the Consulate General in Mumbai covers states such as Maharashtra, Gujarat, Karnataka, Tamil Nadu and Odisha.

Yatra For Fun's India office in Gurugram prepares flight reservations, hotel bookings, travel itineraries and cover letters for visa files, with packages from INR 1,000 (flight reservation) to INR 3,000 (reservation, hotel, itinerary and cover letter). Matching dates across your flight reservation, hotel and insurance avoids avoidable questions. WhatsApp +91 95230 91018 or contact us.

Frequently asked questions

Does my insurance need to cover other Schengen countries if I only visit Belgium?

Yes. The checklist asks for travel medical insurance valid for all Schengen countries, so a Belgium-only policy does not meet it even for a single-country trip.

How long does Belgium take to decide a visa from India?

As a general rule, a decision within 15 working days of submission. It may be extended to 30 calendar days, and exceptionally 60, if the file is referred to the Immigration Office in Belgium.

Where can I submit a Belgium visa application in India?

At 14 VFS Global centres: Delhi, Chandigarh, Kolkata, Lucknow, Jalandhar, Mumbai, Ahmedabad, Bengaluru, Cochin, Chennai, Hyderabad, Goa, Pune and Puducherry. Applicants attend in person for fingerprints and a live photo, unless exempt.

Can a travel agent submit my Belgium visa file with the insurance?

Yes. A representative or travel agent can submit if you give a signed declaration or authorisation letter and a copy of the representative's passport bio page.