Travel insurance for a 80-year-old: Schengen, 21 days

A 80-year-old travelling the Schengen area for 21 days has 17 plans available from 5 Indian insurers. Premiums run from ₹2,835 to ₹10,667, with a median of ₹6,086. 76% include pre-existing disease cover.

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

Cheapest

₹2,835

Median

₹6,086

Dearest

₹10,667

Plans

17

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 80-year-old, the Schengen area, 21 days
InsurerPlanCoverPEDPremium
INDUSINDINDUSIND STANDARD30000 EUROYes₹2,835
CARE - New ExploreCARE EUROPE50000 USDNo₹3,972
INDUSINDINDUSIND BASIC50000 EUROYes₹4,725
CARE - New ExploreCARE EUROPE50000 USDYes₹4,964
ICICI LOMBARDLOMBARD SECURE+ ESSENTIAL50000 USDYes₹5,209
CARE - New ExploreCARE EUROPE100000 USDNo₹5,282
ICICI LOMBARDLOMBARD SECURE+ ESSENTIAL100000 USDYes₹5,520
ICICI LOMBARDLOMBARD SECURE+ PRIME50000 USDYes₹5,774

What actually moves the price here

Cover runs from 30000 EURO at ₹2,835 up to 500000 USD at ₹8,506. Multiplying the sum insured by 17× costs 200% 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 ₹2,835 against ₹3,972 without — a ₹1,137 difference. PED cover is fixed by the insurer, not an add-on you tick.

INDUSIND is cheapest here at ₹2,835; BAJAJ's entry price is ₹8,100, 186% 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 80-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, 80-year-old, the Schengen area, 21 days
InsurerPlansPEDFrom
INDUSIND2Yes₹2,835
CARE - New Explore8Yes₹3,972
ICICI LOMBARD4Yes₹5,209
TATA AIG2Yes₹7,501
BAJAJ1Yes₹8,100

How the price moves with trip length

A 21-day trip sits at the top of its price band. One more day moves it to ₹4,003, 41% more — so if the plan might slip, buying the longer band up front is cheaper than extending later.

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 80-year-old, the Schengen area
Price steps up atFromPer day
5 days₹1,661₹332
8 days₹1,778₹222
15 days₹2,835₹189
22 days₹4,003₹182
29 days₹4,852₹167
36 days₹5,665₹157
43 days₹5,985₹139
50 days₹7,442₹149
57 days₹8,762₹154
64 days₹10,548₹165
71 days₹11,746₹165
78 days₹13,535₹174
79 days₹13,576₹172
85 days₹14,758₹174
86 days₹14,929₹174
87 days₹15,100₹174
88 days₹15,247₹173
89 days₹15,344₹172
90 days₹15,491₹172
91 days₹15,693₹172
92 days₹15,845₹172
93 days₹16,022₹172
94 days₹16,173₹172
95 days₹16,375₹172
96 days₹16,603₹173
97 days₹16,780₹173
98 days₹16,957₹173
99 days₹17,083₹173
100 days₹17,260₹173
101 days₹17,437₹173
102 days₹17,614₹173
103 days₹17,765₹172
104 days₹17,892₹172
105 days₹18,018₹172
106 days₹18,198₹172
107 days₹18,378₹172
108 days₹18,557₹172
109 days₹18,711₹172
110 days₹18,917₹172
111 days₹19,148₹173
112 days₹19,328₹173
113 days₹19,507₹173
114 days₹19,636₹172
115 days₹19,816₹172
116 days₹19,995₹172
117 days₹20,175₹172
118 days₹20,329₹172
119 days₹20,458₹172
120 days₹20,586₹172
121 days₹20,826₹172
122 days₹21,067₹173
123 days₹21,307₹173
124 days₹21,513₹173
125 days₹21,788₹174
126 days₹22,097₹175
127 days₹22,338₹176
128 days₹22,578₹176
129 days₹22,750₹176
130 days₹22,991₹177
131 days₹23,231₹177
132 days₹23,471₹178
133 days₹23,678₹178
134 days₹23,849₹178
135 days₹24,021₹178
136 days₹24,203₹178
137 days₹24,384₹178
138 days₹24,566₹178
139 days₹24,721₹178
140 days₹24,929₹178
141 days₹25,162₹178
142 days₹25,344₹178
143 days₹25,526₹179
144 days₹25,655₹178
145 days₹25,837₹178
146 days₹26,018₹178
147 days₹26,200₹178
148 days₹26,356₹178
149 days₹26,485₹178
150 days₹26,615₹177
151 days₹26,744₹177
152 days₹26,872₹177
153 days₹27,001₹176
154 days₹27,111₹176
155 days₹27,258₹176
156 days₹27,423₹176
157 days₹27,551₹175
158 days₹27,588₹175
159 days₹27,625₹174
160 days₹27,663₹173
161 days₹28,029₹174
162 days₹28,157₹174
163 days₹28,267₹173
164 days₹28,359₹173
165 days₹28,451₹172
166 days₹28,632₹172
167 days₹28,813₹173
168 days₹28,993₹173
169 days₹29,148₹172
170 days₹29,355₹173
171 days₹29,588₹173
172 days₹29,768₹173
173 days₹29,949₹173
174 days₹30,078₹173
175 days₹30,259₹173
176 days₹30,440₹173
177 days₹30,621₹173
178 days₹30,776₹173
179 days₹30,905₹173
180 days₹31,034₹172

How the price moves with age

This price holds for ages 76–80. The next band, 81–85, starts at ₹5,405 — 91% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 81 changes the premium more than any other single choice.

0–40

₹628

41–50

₹735

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

₹5,405

86–90

₹8,100

86–99

₹7,837

90–200

₹8,100

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 80-year-old going the Schengen area for 21 days?
Between ₹2,835 and ₹10,667, with a median of ₹6,086 across 17 plans from 5 insurers. The spread reflects sum insured and whether the plan carries sub-limits, not just the insurer.
Which insurers cover a 80-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 80-year-old get pre-existing disease cover for this trip?
Yes — 13 of the 17 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 ₹135 a day at the cheapest plan, over 21 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.
Does the premium change much at 80?
This price holds for ages 76–80. The next band, 81–85, starts at ₹5,405 — 91% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 81 changes the premium more than any other single choice.
Can I extend a 21-day trip without paying more?
A 21-day trip sits at the top of its price band. One more day moves it to ₹4,003, 41% more — so if the plan might slip, buying the longer band up front is cheaper than extending later.
Should I pay more to remove the sub-limit?
Every plan at this combination is sub-limit free.

Compare other combinations

7 days15 days30 daysWorldwide (excl. USA)Worldwide (incl. USA)

See every age and destination →

BajajTata AIGICICI LombardCareIndusInd

See all 17 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