Travel Insurance for Greece

Know more About Travel Insurance

Located in Southeastern Europe on the Balkan Peninsula, Greece is a country with borders to Albania, North Macedonia, and Bulgaria in the North and Turkey to the east. It is surrounded to the East by the Aegean Sea, to the South by the Cretan and Libyan seas, and to the West by the Ionian Sea, which separates Greece from Italy.

Famous as the home to several UNESCO World Heritage sites, Greece's deep-rooted history, ancient civilisations, and mythology spanning dozens of Greek gods across various stories impact its beautiful cities with enormous structures and relics. And not just that, with its blue seas, stunning landscapes, and multi-coloured beaches, Greece is the place to be in 2025. 

Whether due to the mandate for travel insurance by the Schengen area or the necessity of securing one’s trip with the best travel insurance, it is essential for travellers planning a trip to Greece to avail themselves of the best travel insurance for Greece.

Travel Insurance for Greece From India

Travel insurance is a contract between an insurer and a policyholder to financially protect them from travel-related risks when travelling. These medical and non-medical travel-related risks vary in severity and frequency but can still result in significant financial loss and a negative travel experience. However, with travel insurance, it is possible to mitigate the financial implications of these risks and enable policyholders to travel with confidence and peace of mind. 

So regardless of whether you are facing the loss of checked-in baggage, trip cancellation, medical emergency, personal accident, or any of the dozens of risks covered under Greece travel insurance, you can rest assured that you have a safety net to fall back on for the expenses.

Why do You Need Travel Insurance From India to Greece?

There are several reasons why travellers planning a trip to Greece must opt for travel insurance. While the biggest and most critical reason is that travellers cannot get the Schengen visa without valid travel insurance, it is also essential to consider many other medical and non-medical risks a traveller might be exposed to when travelling, as well as the potential for financial loss and a negative travel experience. 

Here are a few reasons why travellers need to opt for Greece travel insurance to secure their trip to Greece:

1. Greece visa travel insurance is a mandatory requirement for a Schengen visa. 

2. Foreign travel is expensive, and bearing the financial implications of certain risks can result in significant financial loss. 

3. Going outside the norm of daily routine can expose the traveller to increased risk.

4. Although Greece is relatively safe, it is recommended that you opt for travel health insurance Greece from a reliable provider that covers numerous medical risks, such as medical emergencies, medical evacuations, personal accidents, and repatriation of mortal remains, when visiting the country. 

Explore the Key Benefits Offered by Travel Insurance for Greece

As with any other type of insurance, travellers planning to secure their trip with the best travel insurance for Greece can compare different insurers and plans to determine the best policy for their specific needs. 

Here are a few key benefits of travel insurance Greece offered under Niva Bupa’s TravelAssure policy for quick reference:

• Niva Bupa offers travellers a simple, convenient, and affordable way to secure their Greece trip with Greece travel insurance.

• Coverage of up to $500,000 under Greece travel insurance.

• Niva Bupa provides 24/7 assistance to travellers with travel insurance Greece in any emergency.

• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.

• Student travellers with student travel insurance for Greece are also covered for additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.

• Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability.

What is Covered Under the Travel Insurance for Greece?

When choosing an insurance policy, travellers must consider and be aware of all the risks involved with their trip and opt for coverage. For example, suppose a traveller is availing of a connecting flight. In that case, choosing a Greece travel insurance policy with coverage for missed connections can help travellers face any expenses incurred due to not making it to the connecting flight, regardless of whether it was due to a delayed primary flight or due to having to cancel the flight due to a personal reason. While not everyone faces missed connections, they are common and impact thousands of travellers yearly, so make sure to look for the right travel insurance policy for your needs. 

This is why it is essential to consider any potential risks and opt for the right insurance policy for coverage. Here are some of the key coverages offered by Niva Bupa to secure travellers from both medical and non-medical risks:

Delay or loss of checked-in baggage: 

This coverage offers partial or complete reimbursement for significant delay or loss. 

Missed connecting flight:

This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

Loss of passport: 

This coverage reimburses you for the cost of applying for a new passport if the original is lost.

Dental treatment:

This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

Trip delay, cancellation, interruption: 

These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

Medical emergency (hospitalisation): 

This coverage offers reimbursement for the cost of medical treatment.

Emergency outpatient treatment: 

This coverage reimburses any emergency treatment under OPD. 

Medical evacuation: 

This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

Emergency trip extension: 

If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

Personal accident: 

This coverage pays a portion up to the sum insured for accidental death or disability.

Repatriation of mortal remains: 

This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death. 

In addition to this, travellers can also find additional coverage if they opt for student travel insurance, which offers several student-specific coverages, such as sponsor protection, study interruption, and complete pre-existing disease coverage, in addition to what is mentioned above.

What is Not Covered Under the Greece Travel Insurance Plan?

Just as inclusions are specific risks insurers offer coverage for, travellers also need to consider the exclusions or risks that insurers do not cover to avoid facing claim rejection and financial loss, and a negative travel experience. Here is a summary of the exclusions listed by Niva Bupa for convenience:

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.

• Active participation in military exercises, war games, or engagement with the enemy.

• Any loss or injury due to committing or attempting to breach the law with criminal intent. 

• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.

• Maternity expenses.

• Non-prescription or unproven drugs or treatments.

• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.

• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.

• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.

• Countries with travel restrictions for Indians.

• Medical tourism.

• Damages due to adventure sports unless part of coverage.

• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

Please note that this list is just an excerpt from the policy document. Reading and assessing the exclusions when purchasing a policy is crucial to avoid any last-minute surprises and hassles.

Who Should Buy Niva Bupa Travel Insurance for Greece?

Any traveller planning to buy travel insurance to secure their Greece trip should consider Niva Bupa for their policies. Not only is Niva Bupa compliant with the requirements for a Schengen Visa, but its travel health insurance Greece exceeds the requirements by offering comprehensive coverage for an affordable price. 

From coverage of up to $500,000, over 15 times the required €30,000, to coverage for dozens of medical and non-medical risks, all for an affordable price. So secure your Greece trip with travel insurance from Niva Bupa and explore Greece and the entire Schengen area with confidence and peace of mind. 

What are the criteria for being eligible for travel insurance for Greece?

Before purchasing any travel insurance policy, travellers must consider the eligibility requirements for a smooth purchase process. Here are the criteria for purchasing Greece travel insurance from Niva Bupa:

• Adults should be between the ages of 18 and 70.

• Dependent children can be from 1 day old to the age of 25.

• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

How do you buy Travel Insurance for Greece Online?

Travellers looking to buy travel insurance for Greece online can easily do so in several ways. In recent years, insurers have started offering travel insurance online; it is possible to purchase the policies directly from them within minutes from anywhere at any time. This enables travellers to secure their trips hassle-free and with ease. Here is how you can purchase travel insurance for Greece from Niva Bupa:

1. Enter Your Mobile Number to start the process.

2. Add Trip Details: Select either Single-Trip or Student Travel Insurance and choose your destination(s).

3. Select Travel Dates: Ensure accuracy, keeping in mind time zone differences for international travel.

4. Enter Traveller Ages: Enjoy a 10% discount when insuring two or more travellers.

5. Choose Coverage Amount: From $50K to $500K.

6. Select your policy type: Lite, Basic, Comprehensive, or Honeymooners.

7. View Summary: Review plan details, sum insured, travel dates, trip duration, destination, and number of travellers.

8. Provide KYC Details: Review policy terms and give consent for Niva Bupa Health Insurance to download your KYC.

9. Add Personal & Medical Details for all travellers.

10. Make the Payment: Your policy copy will be emailed instantly.

Once the payment is complete, the Greece travel insurance policy will be emailed to you. Following the five easy steps mentioned above, you can secure your trip with a comprehensive insurance policy from Niva Bupa within minutes.

When to buy Greece travel insurance?

Travellers looking to secure their trips with travel insurance Greece or even if they just want to apply for a Schengen visa should do so as soon as possible. This is because, in addition to the benefit of purchasing travel insurance in advance for protection from trip cancellation, travellers cannot apply for a Schengen visa without valid travel insurance. 

The requirement for travel insurance is medical coverage for all Schengen member states for at least €30,000. It should be purchased well in advance to give enough time for the visa to be approved before your trip. So make sure to purchase the policy well in advance to avoid inadvertent trip delays and secure your policy from trip cancellation.

Factors Affecting the Premium of Travel Insurance for Greece

Although purchasing travel insurance in India is much more affordable than most countries while offering similar levels of coverage, travellers should note that several factors impact the premium charged for the policy. Here is a list of some of the key factors influencing the premium charged for Greece travel insurance. 

• Traveller's age 

• Travel destination 

• Trip duration

• The comprehensiveness of the plan opted for 

• Type of travel such as single-trip, student, domestic/international, etc.

• Number of travellers

• Insurer offering the policy

While travellers cannot change the premium charged for a policy if the type of travel, dates of travel, number of travellers, ages, and destination are the same, they can opt for a less comprehensive plan or look for a different insurer to avail of a travel health insurance Greece policy which is cheaper.

What You Need to Know About Filing a Claim for Travel Insurance in Greece?

Travellers who need to file a claim settlement request for international travel insurance can do so easily with Niva Bupa. There are several ways to request a claim settlement from Niva Bupa. Refer to the following methods for a quick and hassle-free claim process.

1. To file a Greece travel insurance claim, you first need to contact your insurer, Niva Bupa. 

2. You may also contact the global third-party administrator if you are travelling overseas.

3. You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.

4. You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency. 

Cashless claim

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer intimates the claim to Europ Assistance via a toll-free number or email. 

• The TPA-Europ Assistance will contact the customer and provide them with the required Greece travel insurance details.

• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.

• Europ Assistance will request the documents from the hospital or the customer and, after assessing the claim, send them to Niva Bupa for approval/rejection/query/investigation.

• Our medical team will approve the claim by e-mail.

• The GOP will be released to the hospital as per the amount claimed.

• The hospital will contact the Europ Assistance team if any additional amount is required.

• At discharge, documents will be sent to Europ assistance and approved accordingly.

• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form
2. KYC
3. Cancelled cheque of the proposer
4. Discharge summary 
5. Final bill along with break-up
6. Payment receipt
7. All investigation reports 

Greece Visa Details and Entry Information

Greece is part of the Schengen area and thus has dissolved borders with other Schengen countries, allowing free travel between them. Indians looking to travel to Greece either directly or through these countries must first obtain a Schengen visa, which is a short-term temporary entry permit for non-EU nationals to enter the Schengen countries for up to 90 days in a 180-day period. 

Indian adults (Indians over the age of 12) have to pay €90 in visa fees and those from the ages of 6 to 12 must pay €45 for a Schengen Visa. A typical time to process visa applications is up to 15 days, but in certain cases, the decision might take up to 45 days. All Indians must follow the procedure stated by the specific consulate/embassy for a quick and hassle-free visa application process.

Navigating the Greece Visa Application Process with Ease

Depending on whether you wish to visit only a single country or several Schengen countries, you must follow a different procedure. All travellers planning to visit a single country can visit the embassy/consulate/visa centre of the particular country for the visa application and status. 

Indians planning to visit several countries in a single trip have a different process requiring them to apply for a visa for the country they will be visiting first if the stay duration is equal. For example, if the traveller visiting several countries stays in each country for an equal amount of time. On the other hand, if the stay duration for each country is not equal, then travellers can apply at any of the countries they may be visiting. For example, when travelling to Greece and then to Italy, one can apply for a Schengen visa for both countries at the Greece embassy/consulate visa centre.

What are the travel documents required to travel from India to Greece?

As with any other country, travellers planning to visit Greece must carry several documents as proof of identity, nationality, entry conditions, etc. Here are the documents you should carry with you for a hassle-free entry process into Greece:

1. A valid Indian passport with at least six months of validity

2. A valid Schengen visa with validity beyond the return date

3. Travel insurance policy with at least €30,000 of medical coverage, including medical evacuation and repatriation

4. Proof of accommodation with the complete address

5. Proof of sufficient funds for the stay

6. Proof of return or onward journey with flight tickets and travel itinerary

7. Two recent passport-size photographs based on the requirements

8. Any other required documents are required by the destination country or the requirements of the EU.

Which is the Best time to visit Greece?

With its Mediterranean climate, Greece is a wonderful place to visit throughout the year. It has pleasant weather, plenty of sunshine, and limited rain. Here is how the months and climates of Greece are differentiated, allowing you to choose the perfect time for your Greek adventure.

The best time to visit the country is from April to June, September, and October, which are facing Spring and Autumn, respectively, due to the pleasant weather, plenty of activities, a lower number of tourists, and cheaper travel and accommodation costs. 

July and August are the peak tourist months, with numerous activities, festivals, and unrestricted access to the sea and beach. 

On the other hand, the Winter months of November to March are the low season, with many islands winding down, with temperatures ranging from -3°C and 15°C in the North and 7°C to 20°C in the South; travellers typically avoid these months for a visit but can enjoy a relaxing time if they do.

What are some popular Greece Tourist Places to visit?

Greece is a country famous for its deep historical roots from its popular mythology, the origin of the Olympic games, the birthplace of democracy, and home to many historic ruins; Greece is an excellent destination for your next trip. Here are some of the popular tourist destinations you should not forget to visit for your Greece visit:

1. The ancient citadel of the Acropolis in Athens

2. Black volcanic sand beaches of Santorini

3. The ancient town and UNESCO World Heritage Site of Delphi

4. The national park and hiking trails of Samaria Gorge

5. The romantic city of Nafplio in the Peloponnese

You should consider dozens of such locations and keep them on your bucket list for your Greece visit.

What are Some Fascinating Facts About Greece?

Whether you are considering a trip to Greece or have already planned one, Greece is the place to be in 2025. Here are some fascinating facts about the country to keep in mind when visiting the Greek Isles:

• Greek Isles are made of over six thousand islands

• Greece is home to 18 UNESCO World Heritage Sites

• Greece has roughly 16,000 kilometres of coastline

• Santorini has three different colours of sand beaches: white, black, and red sand

• Tourism makes up over 20% of Greece’s GDP, and over three times its population annually visits the country each year.
  
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Safety & Useful Tips for Greece Visit

Whether you are travelling to Greece for the first time or have already done so in the past, it is imperative for travellers to consider the following safety measures and tips for safe and secure Greek travel. 

• Always keep your passport safe and secure in something like the hotel’s lockers.

• Make sure to have a copy of the passport at all times for identification

• Don’t engage in any verbal or physical fight with a local citizen

• Do not take part in any unlawful activities

• Do not visit any isolated locations alone

• Keep note of your belongings to avoid losing them