# Netherlands Visa Travel Insurance for Indians: Cover and Cost > The Dutch consulate wants EUR 30,000 of medical cover across all Schengen countries for every day of your trip. How to meet it, pick an insurer and budget the full file. _Published: 2026-10-18 · Reading time: 5 min · Words: 1135_ ## TL;DR A Netherlands Schengen visa from India needs travel medical insurance of at least EUR 30,000, valid in all Schengen countries for the entire trip and covering accident, illness, medical emergency evacuation and repatriation. VFS publishes an approved insurer list for India; only seafarers and diplomatic passport holders are exempt. ## Key takeaways - Minimum cover is EUR 30,000, valid in all Schengen countries. - The policy must cover accident, illness, medical emergency evacuation and repatriation. - Dates must span the entire trip, including the arrival and departure days. - VFS publishes a list of approved insurance companies in India; diplomatic passport holders are exempt. - Separate fixed costs: the EUR 90 adult visa fee (EUR 45 for children aged 6 to 11) and a VFS service fee of INR 1890. **Indians applying for a Netherlands Schengen visa need travel medical insurance with at least EUR 30,000 cover, valid in all Schengen countries for the whole trip including arrival and departure days. It must cover accident, illness, medical emergency evacuation and repatriation, and should come from the approved insurer list VFS publishes for India.** ## Article The requirement comes from the Netherlands' tourism checklist for India and the VFS Global pages for the Netherlands. Fees and processing times here are as published on those official sources, checked on 10 October 2026. For visa categories, documents and centre cities, see our Netherlands visa guide for Indian applicants. ### What the Dutch requirement covers, point by point Hold your policy schedule next to this list. Each line has to be true for the policy to meet the requirement. - Amount: medical cover of at least EUR 30,000. - Risks: accident, illness, medical emergency evacuation and repatriation must all be covered. - Territory: valid for all Schengen countries, not just the Netherlands. If your trip includes Belgium, France or Germany, the same policy has to cover them too. - Dates: the entire trip, including the day you arrive and the day you depart. A policy that ticks the amount but leaves out repatriation, or that starts the day after you land, does not meet the requirement as written. Read the list of covered benefits, not only the headline sum insured. ### Choosing an insurer from the VFS approved list VFS publishes a list of approved insurance companies in India for Netherlands applications. Before buying, open that list on the VFS Netherlands India site and confirm your insurer's name appears on it. Buying from a listed company first, then checking the cover against the four points above, avoids paying twice. Whatever the product is called, the policy document should state the sum insured, the covered risks, the territory and the exact dates, because those are what the consulate checks. ### Matching the policy dates to your itinerary Your insurance dates should line up with the rest of your file. The Netherlands checklist asks for a travel reservation to and from the Schengen area and your travel plans, and it says a paid ticket is not required. It also asks for proof of accommodation for the entire trip, for each Schengen country you visit. So the practical order is: settle your route, get a verifiable flight reservation and hotel bookings, then buy insurance for exactly those dates, from arrival day to departure day. Embassies generally advise against buying non-refundable tickets before the visa decision, and requirements vary, so check the official checklist for your category. Timing also matters. You can apply up to 6 months before travel, and VFS gives an average processing time of 25 calendar days (NetherlandsWorldwide currently lists 18 to 21), with a maximum of 45 calendar days. If you change your dates after buying, update the policy so the dates still cover the whole stay. ### The cost: insurance premium versus the fixed visa charges The Dutch sources set the cover, not the price. Premiums are set by each insurer, so compare quotes from listed companies for your exact dates. What the official sources do fix are the other charges in your file: ChargeAmountNotesSchengen visa, normal fee (adult)EUR 90.00Consular fees 2026; payable by credit card or in cash in INRSchengen visa, child aged 6 to 11EUR 45.00Consular fees 2026Schengen visa, child under 6Free of chargeInsurance still neededFamily member of an EU/EEA/Swiss citizenFree of chargeProof of the category required; VFS service fee still appliesVFS service fee (submission with biometrics)INR 1890 per applicationInclusive of GST; cash, debit or credit card and UPIEvery other consular charge, including the airport transit and Caribbean visas, is on the Netherlands consular fees page for India. All fees are non-refundable, so get the insurance right before you pay them rather than after a problem is flagged. ### Where the policy sits in the rest of your file Insurance is one line on the common Schengen document list, which applies whether you travel as a tourist, on business or to visit family. Around it you will need the printed online application form with its unique code, a passport not more than 10 years old with at least 2 blank pages and valid at least 3 months after you leave the Schengen area, personal bank statements for the past 3 months stamped and signed by the bank (or Indian income tax returns for the last 2 tax years), and proof of ties such as an employment contract, leave approval letter and payslips for the past 3 months. A cover letter should state the reason for the visit, duration, fellow travellers, transport and accommodation. You fill the Schengen form online, book an appointment and hand the file over in person, with biometrics, at one of 12 VFS centres: Ahmedabad, Bengaluru, Chandigarh, Chennai, Cochin, Hyderabad, Jalandhar, Kolkata, Lucknow, Mumbai, New Delhi and Pune. You do not need to bring a photo, because a digital photo is taken at the appointment. The only insurance exemptions the Dutch sources give are for seafarers and diplomatic passport holders. ### Insurance mistakes to fix before your appointment - Netherlands-only cover. The policy must be valid for all Schengen countries. - Dates that stop short. Cover must include the arrival and departure dates. - An insurer you have not checked. Confirm the company is on the VFS approved list for India before you pay. - Missing benefits. Evacuation and repatriation must be covered, not only hospital treatment. - Out-of-date policy after a change of plan. If your flights or hotel dates move, align the policy again. Yatra For Fun's India office in Gurugram prepares verifiable flight reservations, hotel bookings, itineraries and cover letters that give your insurance dates something firm to match. Packages run from INR 1,000 for a flight reservation to INR 3,000 for reservation, hotel, itinerary and cover letter. WhatsApp +91 95230 91018 or write to us through the contact page. ### Frequently asked questions #### Can I buy the travel insurance after my Netherlands visa is approved? No. Travel medical insurance is on the document list you submit with the application, so the policy has to exist when you go to the VFS centre. Buy it for the dates of your planned trip and adjust it if those dates change. #### Does the policy need to cover countries other than the Netherlands? Yes. The requirement is cover valid for all Schengen countries for the entire trip. A Netherlands-only policy does not meet it, even if you plan to stay in the Netherlands throughout. #### Do I need a confirmed flight ticket to match my insurance dates? No paid ticket is required. The Netherlands checklist asks for a travel reservation to and from the Schengen area and your travel plans, and your insurance should cover those dates from arrival to departure. #### Do diplomatic passport holders need travel insurance for the Netherlands? No. The Dutch sources state that diplomatic passport holders, and also seafarers, do not have to show proof of insurance. Every other applicant should include a policy that meets the EUR 30,000 standard. ## FAQ ### Can I buy the travel insurance after my Netherlands visa is approved? No. Travel medical insurance is on the document list you submit with the application, so the policy has to exist when you go to the VFS centre. Buy it for the dates of your planned trip and adjust it if those dates change. ### Does the policy need to cover countries other than the Netherlands? Yes. The requirement is cover valid for all Schengen countries for the entire trip. A Netherlands-only policy does not meet it, even if you plan to stay in the Netherlands throughout. ### Do I need a confirmed flight ticket to match my insurance dates? No paid ticket is required. The Netherlands checklist asks for a travel reservation to and from the Schengen area and your travel plans, and your insurance should cover those dates from arrival to departure. ### Do diplomatic passport holders need travel insurance for the Netherlands? No. The Dutch sources state that diplomatic passport holders, and also seafarers, do not have to show proof of insurance. Every other applicant should include a policy that meets the EUR 30,000 standard. ## Sources 1. [Checklist: Schengen visa in India for tourism](https://www.netherlandsworldwide.nl/visa-the-netherlands/checklist-schengen-visa-tourism/india) — Netherlands Worldwide (Government of the Netherlands) 2. [Consular fees in India 2026](https://www.netherlandsworldwide.nl/countries/india/living-and-working/consular-fees) — Netherlands Worldwide (Government of the Netherlands) 3. [VFS Global Netherlands India](https://visa.vfsglobal.com/ind/en/nld/) — VFS Global