Travel Insurance for Belgium

Belgium is small but full of experiences, from Brussels’ Grand Place to Bruges’ canals and Ghent’s old streets. Cities are well connected by train, but travel in Europe can get expensive when plans go wrong. Busy entry points like Brussels Airport and tight multi-city schedules mean even small issues can affect time and budget. That is why travel insurance becomes a practical part of trip planning.

For example, you land in Brussels and head to Bruges, but your baggage is delayed. Buying clothes, essentials and adjusting bookings in Europe is costly. Coverage for baggage delay* and travel disruption* helps manage these sudden expenses, so the trip stays on track instead of turning into a financial strain.

Also, what if you fall ill during long sightseeing days or at crowded spots like the Atomium? Medical care in Belgium is good, but visitors often need to pay upfront. Here comes the IndusInd Travel Insurance (formerly Reliance General Insurance), which offers cashless medical support*, helping arrange treatment without large immediate payments.

Moreover, the IndusInd Insurance app* helps in filing claims online. This mix of strong medical backing and practical travel cover suits Indian travellers exploring Belgium on tight, experience-filled itineraries.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

A trip to Belgium should be about the experiences and exploring the country, not about unexpected expenses. IndusInd Belgium Travel Insurance offers reliable and affordable coverage so you are covered against travel risks from the moment you leave until you are back home.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Belgium

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Belgium Travel Insurance

Cashless Medical Coverage

Medical costs in Belgium can be quite expensive, mainly in cities such as Antwerp and Brussels. But with cashless hospitalisation benefits, you get treated without making upfront payments. You get access to you can access treatment for up to USD 500,000* (and USD 500* for emergency dental treatments) as per policy terms.

24/7 Emergency Cash Support

We provide 24/7 emergency cash support if you need urgent funds for your hospital deposits, local transport and other expenses in Belgium. You can get emergency cash of up to USD 300*. The insurance plan helps the travellers handle sudden costs quickly, mainly during late-night arrivals and when cards are not accepted.

Flight Delays & Connecting Flights

If your flight gets delayed or you miss a connecting flight due to specified reasons, then our insurance helps as it covers flight delays beyond 12 hours and can get you up to USD 60 per day. It reimburses the necessary expenses such as hotel stays, meals, and alternate travel bookings. This helps in continuing your journey with minimal disruption.

Lost Baggage Support

If your baggage gets lost due to covered reasons and is misplaced by the airlines, then the insurance plan provides you with the needed help. We provide USD 100* for checked-in baggage delays that exceed 12 hours and up to USD 1500* for lost luggage. With this you get reimbursed for the lost items as per the terms of the policy.

Personal Liability

If you accidentally cause injury to another person or damage someone else’s property during your Belgium trip. Compensation and legal expenses are covered up to the policy amount. With our travel insurance we provide up to USD 200,000*.

Loss of Passport

If your passport gets stolen or lost in Belgium, our insurance plan helps with the cost by providing you up to USD 300 for emergency travel documents, return travel assistance and local consular fees. This escalates the replacement procedures and reduces extra expenses.

Key Features

Key Features of IndusInd Belgium Insurance

Individual Travel Plan

IndusInd Belgium Travel insurance offers comprehensive protection so that you can travel to Belgium conveniently without any disruptions. The individual plan works best for solo travellers exploring Belgium and nearby countries. It provides clear coverage limits, structured benefits and necessary support. The following are the key features of an individual travel plan:

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Purchasing separate policies for each family member can be expensive and complicated. A single family plan offers coverage for all 4 members under one policy. Having one plan makes managing the policy convenient. The significant features of a family travel plan are as follows:

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd Belgium Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

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What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Belgium Travel Insurance?

Buying IndusInd Belgium Travel Insurance is simple and quick. You can also purchase your insurance policy online in just a few taps. Follow these steps to get insured :

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Belgium as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Belgium travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Belgium Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

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Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document

Types of Visas for Belarus

Belgium offers three main types of visas depending on the duration and purpose of your stay. Each Belgian visa serves a different purpose. They are as follows:

Airport Transit Visa (Type A)

This visa is only for those travellers who are passing through Belgium’s international airport area on the way to another country. The visa does not allow entry into the country itself. This type of Belgium visa is not sufficient for you if Belgium is your destination.

Short-Stay Visa (Type C)

This is the most common visa type. It is for family visits, tourists, event travel and short business visits. The visa allows a stay in Belgium and other Schengen countries up to 90 days in any 180 days. The extensions are generally rare, but they are provided for emergencies.

Long-Stay Visa (Type D)

Type D visas are for trips that are longer than 90 days, such as work, study, research, or family visits. This visa is also the first step towards a residence permit. You must apply for this visa before travel. Each purpose may have different document requirements.

Embassy Contact Details: India and Belgium

Parameters	Belgium Embassy in India	Indian Embassy in Belgium
Location	New Delhi, India	Brussels, Belgium
Address	50-N, Shantipath, Chanakyapuri, New Delhi – 110021	217, Chaussee de Vleurgat, 1050 Brussels
Contact Number	+91 (11) 4242-6600	+32 (2) 640-9140
Email Address	newdelhi@diplobel.fed.be	cons.brussels@mea.gov.in; hoc.brussels@mea.gov.in
Website	https://india.diplomatie.belgium.be	https://www.indianembassybrussels.gov.in
Operating Days	Monday to Friday	Monday to Friday (except holidays)
Operating Hours	9:00 am – 5:00 pm	9:00 am – 4:30 pm

Best Time to Visit Belgium

If you are planning to visit Belgium, then you must know the best time to visit the country to get the most of your travel expenses. Here is a quick overview of the best time to visit the Cockpit of Europe.

April to June

What to Expect: Pleasant weather with mild temperatures, comfortable sightseeing and blossoming parks.

Perfect For: City walks, canal tours, outdoor exploring, garden visits and cultural festivals.

Flights and Hotel Rates: Moderate, generally lower than peak summer season.

Keep in Mind: Weather can be unpredictable, so make sure to carry a light raincoat.

June to August

What to Expect: Warm days (18-25 degree celsius), late sunsets, and a lively atmosphere.

Perfect For: Outdoor dining, music festivals, beachside trips to Knokke or Ostend, exploring historical towns.

Flights and Hotel Rates: Highest because of peak season, book in advance.

Keep in Mind: Always plan as cities and attractions are busiest at this time.

September to October

What to Expect: Cool weather and beautiful fall colours with fewer crowds compared to summer.

Perfect For: Scenic walks through the Ardennes, beer festivals and cultural experiences.

Flights and Hotel Rates: More affordable than in the summer.

Keep in Mind: Occasional rains and temperature gradually drop.

Interesting Facts About Belgium

Chocolate Nation: Belgium is famous for its chocolates, pralines and renowned brands like Neuhaus and Godiva. Also, the country has plenty of chocolate shops.

Waffle Fame: Who doesn’t like Belgian waffles? They’re world famous, mainly the Liege and Brussels styles. They are sold in cafes, street stalls and markets all over the country.

EU Power Centre: Brussels hosts major European Union institutions, such as the European Commission and Parliament. This gives political importance to Belgium in all of Europe.

Castle Rich: The country has a high concentration of fortresses and castles. They reflect their medieval history and strategic importance in European wars.

Beer Culture: Belgium is popular for producing 1000+ varieties of beer. Also, the traditional beer culture of the country is listed as UNESCO cultural heritage.

Central Europe Location: Belgium shares borders with Germany, France, the Netherlands, and Luxembourg. This makes it a perfect base for multi-country travel.

Atomium Landmark: The Atomium in Brussels is a huge structure that represents an iron crystal. It was designed for the 1958 World Expo; it is a must-visit place if you go to Belgium.

Three Languages: Three languages are widely used in different regions in Belgium: French, Dutch and German

Comic Legends: Some of the most popular comic characters, like Smurfs and Tintin are created in Belgium. Also, Brussels even has comic-themed street murals.

Dense Railway Network: Belgium is a small place, and its fast, reliable trains connect Bruges, Brussels, Antwerp and Ghent. This makes it convenient for travellers to visit multiple cities in one trip.

Essential Apps for Your Belgium Trip

Translation

Dutch and French are the most common languages in Belgium. A translation app like Google Translate will help in understanding signs and menus. It also helps with basic conversations when local English is limited.

Accommodation and Hotel Booking

Apps like Airbnb, Booking.com and MakeMyTrip have made booking hotels easier than ever. You can compare prices and find rooms in cities like Bruges, Brussels or Ghent easily.

Navigation

Here WeGo and Google Maps are the best in navigation. They provide reliable directions for walking, public transport routes and driving. These also let you explore the places by sitting at home, so you can plan.

Transport

Apps like SNCB/NMBS help you track train schedules and buy bus tickets across Belgium’s railway network. Also, the STIB-MIVB app helps you plan tram, metro and bus trips in Brussels. Bolt and Uber also work in major areas of Belgium.

Sightseeing and Events

Applications like Omio help in comparing and booking trains, buses and tours between cities. The trip planner apps like TripAdvisor and GetYourGuide assist with planning your trip by showing different places to visit.

Food Delivery

For food delivery apps, you can use Uber Eats, Deliveroo and Takeaway.com. You can order food using these apps from local restaurants to your hotel rooms.

Key Takeaways

Travel from India to Belgium and other Schengen countries is rising day by day. Globally, over half of international travellers now buy travel insurance before departure. This shows insurance is becoming a normal part of travel planning, not an extra.

Belgium trips usually include travel to multiple cities such as Brussels, Bruges, Ghent and Antwerp. Travellers rely on flights, trains and hotel bookings running on time. But what plans change? Changing plans can become very expensive for you. This is where IndusInd Belgium Travel Insurance becomes relevant.

One key benefit of the travel insurance plan is cashless medical support. Healthcare in Belgium is advanced but expensive for visitors. With cashless access at network hospitals, eligible bills are settled directly as per limits. Customers do not need to arrange large immediate payments during treatment.

Another strong feature is travel inconvenience cover. It supports situations like baggage delay, flight disruption and passport loss. These are practical issues many travellers face during multi-city European trips. The cover helps manage extra expenses within policy terms.

The IndusInd Insurance app adds convenience. Travellers can check policy details, access assistance and follow claim steps digitally while abroad. For Indian families, students and tourists, this combination of medical support, travel cover and digital access offers clear, practical value for Belgium travel.

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Belgium travel insurance plans starting at just ₹306*

Insure Your Trip to Belgium Today!

From Chiang Mai hikes to Krabi dives, you stay protected with IndusInd Belgium travel insurance. We ensure your trips remain care-free while we handle the what-ifs!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Is travel insurance compulsory for visiting Belgium from India?

Yes, Belgium is in the Schengen zone, and a Schengen visa requires travellers to hold valid travel insurance for the entire stay. Moreover, the insurance plan must meet minimum coverage requirements and be accepted by visa authorities. This makes insurance plans both a practical travel safeguard and a compliance need.

Do I need to purchase separate travel insurance for my spouse?

You can purchase a separate or family plan, as per the type of overseas travel insurance plan you are buying. Various plans offer coverage to insured spouses. However, you must confirm such details with your insurer. The spouse is generally covered under a family floater option in other plans. So once you are sure that your insurer covers your spouse, then you can purchase that insurance policy.

What are some of the most popular destinations in Belgium?

Belgium is famous for travelling. The most visited destinations of the country are Ardennes, Brussels, Tournai, Bruges, Mons, Ghent, Durbuy, Antwerp, Leuven and Dinant. All these places have their uniqueness and speciality. So next time you plan to visit Belgium, keep these places your priority.

What happens if my baggage gets delayed or lost?

Sometimes your checked baggage gets delayed by the airlines. If this happens to you, you will be reimbursed for essential purchases such as toiletries and clothing. However, if baggage is lost permanently, then you will get compensation as per the policy terms. Always make sure to keep airline reports and supporting bills with you, as these may be required to get the benefits.

Is Belgium a good and safe country for travel?

Yes, Belgium is the heart of Europe, and it is one of the best and safest places to visit in Europe. The crime rate here is very low. However, petty crimes such as theft and pickpocketing are common in the crowded areas. In case you face any such issue, like baggage loss or physical injury,y while travelling in Belgium, your insurance plan will assist you financially.

How much should I pay for Belgium Travel insurance?

The premium payment for your Belgium travel insurance plan depends on different factors, such as the sum insured you choose and your duration of stay in Belgium. We would suggest you choose the right sum insured to have sufficient coverage during the entire trip. Moreover, this becomes more important when planning your trip with family. With IndusInd Belgium travel insurance plans, you get the best coverage at affordable rates. To find out the price of your travel insurance, you can use our online premium calculator.