Travel insurance for a 65-year-old: Schengen, 15 days
A 65-year-old travelling the Schengen area for 15 days has 26 plans available from 5 Indian insurers. Premiums run from ₹1,274 to ₹5,359, with a median of ₹2,898. 85% include pre-existing disease cover.
Prices read live from our rate table. Base premium before GST. We take no commission.
Cheapest
₹1,274
Median
₹2,898
Dearest
₹5,359
Plans
26
The cheapest options
Lowest-priced plans for this exact combination. Cheapest is not automatically best — check the sum insured, the sub-limit and the PED column.
| Insurer | Plan | Cover | PED | Premium |
|---|---|---|---|---|
| INDUSIND | INDUSIND STANDARD | 30000 EURO | Yes | ₹1,274 |
| INDUSIND | INDUSIND BASIC | 50000 EURO | Yes | ₹1,436 |
| CARE - New Explore | CARE EUROPE | 50000 USD | No | ₹1,512 |
| CARE - New Explore | CARE EUROPE | 50000 USD | Yes | ₹1,797 |
| BAJAJ | BAJAJ ACE STANDARD | 50000 USD | Yes | ₹1,857 |
| CARE - New Explore | CARE EUROPE | 100000 USD | No | ₹1,983 |
| BAJAJ | BAJAJ ACE SILVER | 100000 USD | Yes | ₹2,136 |
| CARE - New Explore | CARE EUROPE | 100000 USD | Yes | ₹2,356 |
What actually moves the price here
Cover runs from 30000 EURO at ₹1,274 up to 500000 USD at ₹2,898. Multiplying the sum insured by 17× costs 127% more — which is why the lowest cover is rarely the best value.
Every plan at this combination is sub-limit free.
Pre-existing disease cover starts at ₹1,274 against ₹1,512 without — a ₹238 difference. PED cover is fixed by the insurer, not an add-on you tick.
INDUSIND is cheapest here at ₹1,274; ICICI LOMBARD's entry price is ₹2,812, 121% higher. Rankings move with age and duration, so the cheapest insurer for this trip is not the cheapest for every trip.
Every insurer that quotes a 65-year-old for this trip
Entry price per insurer. Which of the five appear at all depends on age — the older the traveller, the shorter this list.
| Insurer | Plans | PED | From |
|---|---|---|---|
| INDUSIND | 2 | Yes | ₹1,274 |
| CARE - New Explore | 8 | Yes | ₹1,512 |
| BAJAJ | 4 | Yes | ₹1,857 |
| TATA AIG | 4 | Yes | ₹2,368 |
| ICICI LOMBARD | 8 | Yes | ₹2,812 |
How the price moves with trip length
Your 15-day trip is priced identically to a 21-day one — insurers charge by day band, not by night. You have 6 days of slack at no extra cost, and the price only moves at day 22, where it becomes ₹1,592 (25% more).
Going 8 days instead would cost ₹896, and stretching to 22 days ₹1,592 — 25% more premium for 47% more time.
Only the days where the price actually steps up are listed — between two steps the premium is flat.
| Price steps up at | From | Per day |
|---|---|---|
| 5 days | ₹714 | ₹143 |
| 8 days | ₹896 | ₹112 |
| 15 days — this trip | ₹1,274 | ₹85 |
| 22 days | ₹1,592 | ₹72 |
| 29 days | ₹1,945 | ₹67 |
| 36 days | ₹2,155 | ₹60 |
| 43 days | ₹2,396 | ₹56 |
| 50 days | ₹2,723 | ₹54 |
| 57 days | ₹3,053 | ₹54 |
| 64 days | ₹3,528 | ₹55 |
| 71 days | ₹3,879 | ₹55 |
| 78 days | ₹4,558 | ₹58 |
| 85 days | ₹5,150 | ₹61 |
| 92 days | ₹5,545 | ₹60 |
| 99 days | ₹6,074 | ₹61 |
| 106 days | ₹6,536 | ₹62 |
| 113 days | ₹6,780 | ₹60 |
| 120 days | ₹6,898 | ₹57 |
| 127 days | ₹7,846 | ₹62 |
| 134 days | ₹8,028 | ₹60 |
| 141 days | ₹8,312 | ₹59 |
| 148 days | ₹8,627 | ₹58 |
| 155 days | ₹8,923 | ₹58 |
| 162 days | ₹9,308 | ₹57 |
| 169 days | ₹9,686 | ₹57 |
| 176 days | ₹10,180 | ₹58 |
How the price moves with age
This price holds for ages 61–70. The next band, 71–75, starts at ₹2,108 — 65% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 71 changes the premium more than any other single choice.
0–40
₹564
41–50
₹718
41–55
₹1,053
51–60
₹735
56–60
₹1,343
61–70
₹1,274
71–75
₹2,108
76–80
₹2,835
81–85
₹4,243
86–90
₹4,243
86–99
₹6,968
90–200
₹4,243
Worth knowing about Schengen
Schengen visa applications require medical cover of at least €30,000, valid across all member states and for the full stay. Every plan listed here clears that bar, and the insurer issues a visa letter naming the policy — apply with the certificate, not just the receipt.
Common questions
- How much is travel insurance for a 65-year-old going the Schengen area for 15 days?
- Between ₹1,274 and ₹5,359, with a median of ₹2,898 across 26 plans from 5 insurers. The spread reflects sum insured and whether the plan carries sub-limits, not just the insurer.
- Which insurers cover a 65-year-old for this trip?
- BAJAJ, CARE - New Explore, ICICI LOMBARD, INDUSIND, TATA AIG. Not every insurer quotes at every age — the older the traveller, the fewer will.
- Can a 65-year-old get pre-existing disease cover for this trip?
- Yes — 22 of the 26 plans include it. PED cover is fixed by the insurer, not chosen, so check it per plan rather than assuming.
- What does travel insurance cost per day for this trip?
- About ₹85 a day at the cheapest plan, over 15 days. Per-day cost falls as the trip lengthens — insurers price in day bands, not per night, so the last few days of a band are effectively free.
- Is it cheaper to insure a shorter trip the Schengen area?
- Going 8 days instead would cost ₹896, and stretching to 22 days ₹1,592 — 25% more premium for 47% more time.
- Does the premium change much at 65?
- This price holds for ages 61–70. The next band, 71–75, starts at ₹2,108 — 65% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 71 changes the premium more than any other single choice.
- Can I extend a 15-day trip without paying more?
- Your 15-day trip is priced identically to a 21-day one — insurers charge by day band, not by night. You have 6 days of slack at no extra cost, and the price only moves at day 22, where it becomes ₹1,592 (25% more).
- Should I pay more to remove the sub-limit?
- Every plan at this combination is sub-limit free.
Compare other combinations
See all 26 plans for your dates
These are the cheapest eight. Run the advisor with your actual travel dates for the full list, with PED and sub-limit on every row.
Compare plans