Does the plan cover all Schengen countries?

A policy specifically valid for the Schengen area can cover the included countries for the insured period. Confirm the territorial scope on your certificate.

Is baggage loss covered?

Eligible baggage loss may be covered subject to the selected plan’s limits, proof requirements and exclusions.

Is visa rejection covered?

Digit’s official page lists visa rejection as an excluded reason for trip cancellation. Review the current policy wording.

How much does the plan cost?

Your CMS currently shows ₹320 per trip as a starting premium. Verify the live quote because pricing varies by trip details and selected cover.

When should I buy Schengen insurance?

Arrange insurance before the visa process and ensure the policy dates cover the entire planned trip.

Go Digit Schengen Travel Insurance: Coverage & Visa Requirements

Go Digit Schengen Travel Plan Overview

Digit Schengen Travel Insurance is intended for Indian travellers visiting countries in the Schengen area. Travel insurance for a Schengen visa must meet the applicable requirements, including at least €30,000 in medical coverage, repatriation benefits and validity across the Schengen area for the full trip. Digit lists different plan options, allowing travellers to compare essential medical protection with additional travel-related benefits. Depending on the option selected, cover may also include certain baggage delays and other specified travel inconveniences. Travellers should verify the exact sum insured, policy dates, covered countries and exclusions before submitting the insurance certificate with a visa application.

Meets mandatory Schengen visa insurance requirements

Expert Review of Go Digit Schengen Travel Plan

Digit lists Schengen travel insurance options called Smart and Smart 360. For a Schengen visa, the policy generally needs at least €30,000 in medical coverage, valid throughout the trip and across the Schengen area, including emergency medical treatment and repatriation. Digit describes different limits and additional benefits across its options. Confirm that the policy certificate meets the applicant’s visa requirements and travel dates.

Pros

Digit lists Smart and Smart 360 options for Schengen travel.
The official page explains the minimum medical coverage requirement for a Schengen visa.
Smart 360 lists additional trip-protection benefits beyond basic medical cover.

Cons

The selected certificate must meet the traveller’s specific visa and itinerary requirements.
Some benefits listed for Smart 360 are not included in the basic Smart option.

About Go Digit (Insurer Profile)

Go Digit

Key Insights

Founded

2016

Go Digit was established 10 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

96.7% CSR, calculated as a 3-year average

Go Digit settles 96.7% of all claims it receives, demonstrating strong credibility.

Contact Details

1800-258-5956

Headquarters: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru – 560095, Karnataka, India.

Go Digit Schengen Travel Plan Features and Benefits

Schengen medical coverage

Choose cover that satisfies the applicable visa requirement, including at least €30,000 in medical coverage.

Confirm the policy certificate, territorial validity and travel dates.

Emergency medical treatment

Eligible medical treatment and hospitalisation during the trip may be covered.

Limits and exclusions apply.

Emergency evacuation and repatriation

Emergency evacuation and repatriation benefits may apply under the policy.

Check the selected option and policy wording.

Baggage delay

Eligible checked-in baggage delays may qualify for a benefit.

Waiting periods and exclusions apply.

Baggage loss

Eligible checked-in baggage loss may be covered up to the applicable limit.

Proof of loss and policy limits apply.

Passport and document loss

Eligible costs for an emergency certificate or duplicate passport may be covered.

Required reporting and documents apply.

Missed connection

The Smart 360 option lists missed-connection protection, subject to its policy conditions.

Do not assume this benefit is included in every option.

Trip cancellation

Trip-cancellation protection is listed for Smart 360, subject to covered reasons and limits.

Visa rejection and other excluded reasons may not be covered.

What Go Digit Schengen Travel Plan Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

The official page lists visa rejection among circumstances not covered for trip cancellation.
Pre-existing disease claims and travel against medical advice may be excluded or restricted.
Flight delays, baggage delays and missed connections are subject to policy-specific conditions.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Insurer

Go Digit plans and claim process

Go Digit Schengen Travel Plan FAQs

What is Go Digit Schengen Travel Plan?

It is the existing Finzony listing for Digit Schengen travel insurance. Digit’s official page lists Smart and Smart 360 options.

How much medical coverage is required for a Schengen visa?

The policy generally needs at least €30,000 in medical coverage, valid across the Schengen area for the entire trip and including emergency medical treatment and repatriation.

What is the difference between Smart and Smart 360?

Digit’s comparison lists basic medical and travel benefits under Smart, while Smart 360 adds certain benefits such as missed connection, trip cancellation and personal liability, subject to the policy.

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Go Digit website before purchasing.