Emergency medical cover
Hospitalisation, doctor visits and medicines abroad, with cashless treatment at network hospitals where available.
Travel insurance
Travel with cover you can actually claim
Overseas travel insurance from IRDAI-licensed insurers, chosen to match your trip: Schengen-compliant cover for visa files, high medical limits for the USA and Canada, student and senior citizen plans, and annual multi-trip cover for frequent flyers. We compare plans, explain the exclusions in plain language, and help you if you need to claim.
- Schengen-compliant policies with €30,000+ medical cover
- Plans from leading IRDAI-licensed insurers
- Policy emailed in minutes, ready for your visa file
- Help with filing and following up claims
Asia trips from ₹399 · Schengen from ₹950
18,000+
Policies issued
10 min
Typical policy turnaround
8
Insurer partners compared
180+
Countries covered
About this service
Small premium, protection from big bills
A single night in an American hospital can cost more than your whole holiday, and missing a connection in Frankfurt can mean paying for an extra hotel night and a new ticket. Travel insurance costs a few hundred rupees a day and covers emergency medical treatment, evacuation, lost baggage, passport loss, trip delays and personal liability.
We don't push one insurer. We compare plans from our insurer partners on the points that matter for your trip: the medical sum insured, the deductible, cover for pre-existing conditions, adventure activities and the age bands for senior travellers. Then we explain what is excluded before you buy.
Schengen embassies require at least €30,000 of medical and repatriation cover, valid across all Schengen states for your full stay. Every Schengen policy we issue meets this rule, and our visa desk attaches it to your file. If you need to claim, our team helps you collect documents and follows up with the insurer until the claim is settled.
What we handle
Everything Insurance Under One Roof
Medical evacuation & repatriation
Covers emergency evacuation to the nearest suitable hospital and, if needed, bringing you or your mortal remains back to India.
Baggage & passport loss
Pays for checked-in baggage that is lost or delayed and helps with the cost of a duplicate passport or emergency certificate.
Trip delay & cancellation
Pays for flight delays beyond the policy threshold, missed connections, and trip cancellation or cut-short trips for covered reasons.
Personal liability
Covers legal liability if you accidentally injure someone or damage property while abroad.
Adventure sports add-on
Optional cover for skiing in Switzerland, scuba diving in Bali or bungee jumping in Queenstown, which most basic plans exclude.
Plans by trip type
Find the right policy
Starting premiums are for a healthy adult aged 18–40 travelling for the stated duration, and include GST. Your final premium depends on your age, destination, number of days and sum insured.
Visa compliantSchengen visa plan
€30,000+ medical · All 29 Schengen states
Meets embassy requirements for France, Italy, Germany, Switzerland and the other Schengen states. Accepted by VFS and BLS. Policy issued in minutes for your visa appointment.
From ₹9507 days
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Best valueAsia & Middle East plan
USD 50,000 medical · Excludes USA/Canada
Right for Thailand, Bali, Singapore, Malaysia, Vietnam, Dubai and Sri Lanka holidays. Covers flight delays, baggage loss and medical emergencies.
From ₹3995 days
Enquire
USA & Canada plan
USD 1–5 lakh medical · Worldwide incl. USA
North American healthcare is very expensive, so we recommend at least USD 2,50,000 of medical cover. Suited to visiting children, conferences and tourist trips.
From ₹1,4507 days
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Student plan
Semester or full year · University compliant
Meets most university insurance requirements and covers sponsor protection, study interruption, bail bond and mental-health care where included. Can be renewed while abroad.
From ₹9,800per year
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Senior citizen plan
Ages 61–85 · Pre-existing condition options
For parents visiting children in the USA, UK or Australia. Choose plans that cover life-threatening emergencies from pre-existing conditions. A medical declaration is needed.
From ₹2,1007 days
Enquire
Frequent flyersAnnual multi-trip plan
Unlimited trips · Up to 45 or 90 days each
One policy for the whole year, suited to business travellers and frequent flyers. It usually costs less than three single-trip policies.
From ₹6,500per year
Enquire
Family floater plan
2 adults + up to 3 children · One sum insured
One policy and one premium for the whole family on holiday, with the shared sum insured available to each member. Ideal for summer-vacation trips.
From ₹1,199family · 5 days
EnquireHow it works
Simple Steps, Zero Running Around
- 01
Share your trip details
Tell us the destination, dates, travellers' ages and any pre-existing medical conditions, and whether the policy is for a visa application.
- 02
Compare & choose
We send two or three shortlisted plans side by side, showing the sum insured, deductibles, key exclusions and price, along with our recommendation.
- 03
Pay & receive your policy
Pay online and the policy is usually emailed within 10 minutes. It is ready to print for your visa file or keep on your phone.
- 04
Help during your trip
Save the insurer's 24x7 assistance number and our WhatsApp line. If something happens, we help you reach a network hospital and start a cashless request.
- 05
Claim help when you're back
We list the documents needed, help fill the claim form and follow up with the insurer until the claim is settled.
Pricing
Choose your cover level
Indicative premiums for one adult aged up to 40 on a 7-day Schengen trip, including GST. Exact benefits vary by insurer.
Essential
Covers the Schengen visa requirement and medical emergencies.
₹950per traveller · 7 days
- USD 50,000 (≈ €46,000) medical & repatriation
- Accepted for Schengen visa applications
- Personal accident cover
- Passport loss assistance
Smart Traveller
Our recommendation for most Europe and UK holidays.
₹1,650per traveller · 7 days
- USD 1,00,000 medical & repatriation
- Checked-in baggage loss & delay
- Flight delay and missed connection
- Trip cancellation & curtailment
- Personal liability
Comprehensive
For high-value trips, older travellers or trips with adventure activities.
₹2,900per traveller · 7 days
- USD 2,50,000+ medical & repatriation
- Life-threatening pre-existing condition cover
- Adventure sports add-on included
- Home burglary cover while you're away
- Hijack & emergency hotel extension
Be prepared
Before you buy & before you claim
A few minutes with this list can save a rejected visa file or a disputed claim.
Schengen visa requirements
- Minimum €30,000 medical and repatriation cover
- Valid in all Schengen member states
- Covers the entire stay, including travel days
- Policy name must match the passport exactly
Declare honestly
- Pre-existing conditions such as diabetes, hypertension or cardiac history
- Correct date of birth, because premiums change by age band
- Planned adventure activities
- Exact trip dates. Extend the policy before it expires if your trip gets longer
Keep for claims
- Original hospital bills, prescriptions and discharge summary
- Property Irregularity Report (PIR) from the airline for baggage loss or delay
- Police report for theft or passport loss
- Boarding passes and airline letter for flight delays
4.9 / 5
from 3,300+ travellers
Why FONIX WORLD
Why Travellers Choose Us
We compare several insurers
We compare plans from several IRDAI-licensed insurers and recommend the one that fits your trip, not the one that pays us the most.
Visa-ready every time
Our visa desk checks every Schengen, UK and long-stay policy against embassy rules before it goes into your file.
Exclusions explained
We tell you what isn't covered, such as alcohol-related incidents, routine check-ups and undeclared conditions, before you pay.
Claim support
From a hospital admission in Bangkok to a delayed bag in Heathrow, we help with the paperwork and follow up with the insurer.
Plans for older travellers
We find plans for parents aged 70 and above that cover emergencies from pre-existing conditions, including on long US visits.
Pair it with a holiday
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Traveller stories
Heard From Our Travellers
“My father had a cardiac emergency in New Jersey. Because FONIX had chosen a plan with pre-existing condition cover, the hospital bill of over $38,000 was settled cashless.”
“I needed Schengen insurance two days before my VFS appointment. The policy came in ten minutes and matched the embassy checklist exactly.”
“I fly to Singapore and Dubai almost every month. The annual multi-trip plan they suggested costs less than what I was spending on three single policies.”
Good To Know
Frequently Asked Questions
It is mandatory for Schengen visas, which need at least €30,000 of medical cover, and for some other destinations and student visas. Even where it is not required, we strongly recommend it, especially for the USA, Canada, Europe and Japan, where medical costs are very high.
Get a insurance quote
Tell us what you're planning — a trip planner will call or WhatsApp you with options.
Head Office · Hyderabad
FONIX WORLD Travels
2-41/13/PMR/5F, MELKIORS PRIDE, 5th Floor, Izzath Nagar, Khanamet, Hyderabad, Telangana 500081
Office hours
- Monday – Friday
- 9:30 AM – 7:30 PM
- Saturday
- 10:00 AM – 6:00 PM
- Sunday
- WhatsApp & phone only
Travelling right now? Members on a FONIX WORLD trip get round-the-clock help from their tour manager and on WhatsApp.
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