Travel insurance for a 75-year-old: Schengen, 15 days

A 75-year-old travelling the Schengen area for 15 days has 19 plans available from 5 Indian insurers. Premiums run from ₹2,108 to ₹6,417, with a median of ₹4,423. 79% include pre-existing disease cover.

Prices read live from our rate table. Base premium before GST. We take no commission.

Cheapest

₹2,108

Median

₹4,423

Dearest

₹6,417

Plans

19

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.

Cheapest travel insurance plans for a 75-year-old, the Schengen area, 15 days
InsurerPlanCoverPEDPremium
INDUSINDINDUSIND STANDARD30000 EUROYes₹2,108
CARE - New ExploreCARE EUROPE50000 USDNo₹2,248
CARE - New ExploreCARE EUROPE50000 USDYes₹2,734
CARE - New ExploreCARE EUROPE100000 USDNo₹2,980
INDUSINDINDUSIND BASIC50000 EUROYes₹3,513
CARE - New ExploreCARE EUROPE100000 USDYes₹3,632
CARE - New ExploreCARE EUROPE250000 USDNo₹3,873
ICICI LOMBARDLOMBARD SECURE+ ESSENTIAL50000 USDYes₹4,179

What actually moves the price here

Cover runs from 30000 EURO at ₹2,108 up to 500000 USD at ₹4,681. Multiplying the sum insured by 17× costs 122% 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 ₹2,108 against ₹2,248 without — a ₹140 difference. PED cover is fixed by the insurer, not an add-on you tick.

INDUSIND is cheapest here at ₹2,108; TATA AIG's entry price is ₹5,297, 151% 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 75-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.

Cheapest premium per insurer, 75-year-old, the Schengen area, 15 days
InsurerPlansPEDFrom
INDUSIND2Yes₹2,108
CARE - New Explore8Yes₹2,248
ICICI LOMBARD6Yes₹4,179
BAJAJ1Yes₹4,243
TATA AIG2Yes₹5,297

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 ₹2,622 (24% more).

Going 8 days instead would cost ₹1,322, and stretching to 22 days ₹2,622 — 24% more premium for 47% more time.

Only the days where the price actually steps up are listed — between two steps the premium is flat.

Cheapest premium by trip length for a 75-year-old, the Schengen area
Price steps up atFromPer day
5 days₹1,119₹224
6 days₹1,235₹206
8 days₹1,322₹165
15 days — this trip₹2,108₹141
22 days₹2,622₹119
23 days₹2,729₹119
24 days₹2,822₹118
25 days₹2,916₹117
26 days₹2,976₹114
29 days₹3,274₹113
30 days₹3,407₹114
31 days₹3,525₹114
32 days₹3,608₹113
36 days₹4,062₹113
37 days₹4,179₹113
38 days₹4,213₹111
43 days₹4,450₹103
50 days₹5,524₹110
51 days₹5,534₹109
57 days₹6,245₹110
58 days₹6,334₹109
59 days₹6,407₹109
60 days₹6,481₹108
61 days₹6,515₹107
64 days₹6,940₹108
65 days₹7,054₹109
66 days₹7,169₹109
67 days₹7,284₹109
68 days₹7,398₹109
69 days₹7,513₹109
70 days₹7,628₹109
71 days₹7,742₹109
72 days₹7,857₹109
73 days₹7,955₹109
74 days₹8,021₹108
75 days₹8,119₹108
76 days₹8,232₹108
77 days₹8,345₹108
78 days₹8,442₹108
79 days₹8,571₹108
80 days₹8,684₹109
81 days₹8,797₹109
82 days₹8,910₹109
83 days₹9,023₹109
84 days₹9,136₹109
85 days₹9,250₹109
86 days₹9,363₹109
87 days₹9,476₹109
88 days₹9,573₹109
89 days₹9,637₹108
90 days₹9,734₹108
91 days₹9,866₹108
92 days₹9,965₹108
93 days₹10,081₹108
94 days₹10,180₹108
95 days₹10,312₹109
96 days₹10,461₹109
97 days₹10,577₹109
98 days₹10,692₹109
99 days₹10,775₹109
100 days₹10,890₹109
101 days₹11,006₹109
102 days₹11,122₹109
103 days₹11,221₹109
104 days₹11,303₹109
105 days₹11,386₹108
106 days₹11,499₹108
107 days₹11,613₹109
108 days₹11,726₹109
109 days₹11,824₹108
110 days₹11,953₹109
111 days₹12,099₹109
112 days₹12,213₹109
113 days₹12,326₹109
114 days₹12,407₹109
115 days₹12,521₹109
116 days₹12,634₹109
117 days₹12,748₹109
118 days₹12,845₹109
119 days₹12,926₹109
120 days₹13,007₹108
121 days₹13,159₹109
122 days₹13,311₹109
123 days₹13,462₹109
124 days₹13,592₹110
125 days₹13,766₹110
126 days₹13,961₹111
127 days₹14,113₹111
128 days₹14,264₹111
129 days₹14,373₹111
130 days₹14,525₹112
131 days₹14,676₹112
132 days₹14,828₹112
133 days₹14,958₹112
134 days₹15,067₹112
135 days₹15,175₹112
136 days₹15,290₹112
137 days₹15,404₹112
138 days₹15,519₹112
139 days₹15,617₹112
140 days₹15,748₹112
141 days₹15,895₹113
142 days₹16,010₹113
143 days₹16,124₹113
144 days₹16,206₹113
145 days₹16,321₹113
146 days₹16,435₹113
147 days₹16,550₹113
148 days₹16,648₹112
149 days₹16,730₹112
150 days₹16,812₹112
151 days₹16,893₹112
152 days₹16,974₹112
153 days₹17,055₹111
154 days₹17,125₹111
155 days₹17,217₹111
156 days₹17,322₹111
157 days₹17,403₹111
158 days₹17,426₹110
159 days₹17,449₹110
160 days₹17,473₹109
161 days₹17,704₹110
162 days₹17,785₹110
163 days₹17,854₹110
164 days₹17,912₹109
165 days₹17,970₹109
166 days₹18,084₹109
167 days₹18,198₹109
168 days₹18,312₹109
169 days₹18,410₹109
170 days₹18,541₹109
171 days₹18,687₹109
172 days₹18,801₹109
173 days₹18,915₹109
174 days₹18,997₹109
175 days₹19,111₹109
176 days₹19,225₹109
177 days₹19,339₹109
178 days₹19,437₹109
179 days₹19,519₹109
180 days₹19,600₹109

How the price moves with age

This price holds for ages 71–75. The next band, 76–80, starts at ₹2,835 — 34% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 76 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 75-year-old going the Schengen area for 15 days?
Between ₹2,108 and ₹6,417, with a median of ₹4,423 across 19 plans from 5 insurers. The spread reflects sum insured and whether the plan carries sub-limits, not just the insurer.
Which insurers cover a 75-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 75-year-old get pre-existing disease cover for this trip?
Yes — 15 of the 19 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 ₹141 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 ₹1,322, and stretching to 22 days ₹2,622 — 24% more premium for 47% more time.
Does the premium change much at 75?
This price holds for ages 71–75. The next band, 76–80, starts at ₹2,835 — 34% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 76 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 ₹2,622 (24% more).
Should I pay more to remove the sub-limit?
Every plan at this combination is sub-limit free.

Compare other combinations

7 days21 days30 daysWorldwide (excl. USA)Worldwide (incl. USA)

See every age and destination →

BajajTata AIGICICI LombardCareIndusInd

See all 19 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.

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