Nepal has become a significant source of Schengen visa applications, particularly for Germany and Italy — where Nepali workers in sectors like construction, agriculture, and healthcare have established growing diaspora communities. Students applying to European universities and families visiting relatives in Europe are also driving application volumes upward. Getting insurance right is simple, fast, and the best thing you can do to strengthen your documentation.
Quick Answer
Nepali nationals need Schengen travel insurance with a minimum of €30,000 (approximately NPR 4,200,000) in emergency medical and repatriation coverage, valid across all 27 Schengen countries, for the full duration of your trip.
Schengen Insurance Requirements for Nepali Nationals
- Minimum €30,000 in emergency medical coverage — covering hospitalization, emergency treatment, and repatriation to Nepal
- Valid across all 27 Schengen countries — must explicitly state "Schengen Area"
- Exact date match — policy must cover your full stated travel period
- Emergency evacuation and repatriation of remains — both explicitly stated on the certificate
- From a recognized international carrier — WorldTrips, IMG, and Trawick accepted at all EU embassies
Important for Nepali applicants: Not all Schengen countries have embassies in Kathmandu. If the country you're visiting has no direct representation in Nepal (e.g., Spain, Belgium, Portugal), you may need to apply through their embassy in New Delhi, India or the embassy of the country you'll spend the most time in.
Cost of Schengen Insurance for Nepali Nationals
| Age | 15-Day Trip | 30-Day Trip | 90-Day Trip |
|---|---|---|---|
| 18–35 | $12–$18 | $22–$35 | $55–$90 |
| 36–50 | $15–$24 | $28–$45 | $70–$110 |
| 51–65 | $22–$38 | $40–$70 | $110–$180 |
| 66–75 | $35–$60 | $65–$110 | $180–$280 |
Best Schengen Plans for Nepali Nationals
WorldTrips
Atlas International
from $8/wk
Medical
Up to $2M
Evacuation
$1,000,000
Max Age
99
- ✓Lowest price for young travelers
- ✓Instant digital certificate
- ✓Accepted at all EU consulates
IMG
Patriot International
from $10/wk
Medical
Up to $1M
Evacuation
$500,000
Max Age
99
- ✓24/7 global assistance line
- ✓IPA hospital network in Europe
- ✓Best for travelers over 65
Trawick International
Safe Travels International
from $15/wk
Medical
Up to $1M
Evacuation
$500,000
Max Age
89
- ✓Acute onset of pre-existing conditions
- ✓Telemedicine included
- ✓Strong for family groups
Get an Instant Schengen Certificate
Compare plans and get a certificate in minutes — accepted at all EU embassies in Kathmandu and New Delhi.
Schengen Embassies in Kathmandu
DE Germany
German Embassy in Kathmandu (Gyaneswor) is one of the most accessible Schengen consulates for Nepali applicants. Germany is the top destination for Nepali skilled workers. Medical evacuation must be explicitly stated on your certificate.
FR France
French Embassy in Kathmandu processes applications for Nepali travelers visiting France. France is a destination for Nepali tourism, hospitality workers, and academics. Ensure your certificate covers 'Schengen Area' explicitly.
IT Italy
Italian Embassy in Kathmandu has seen growing application volumes as Italy recruits Nepali workers for agriculture and construction. Certificate must include repatriation of remains.
NL Netherlands
Dutch Embassy in Kathmandu. Netherlands is an increasingly popular destination for Nepali IT professionals and students. Requires full Schengen territory coverage even for Netherlands-only trips.
Frequently Asked Questions
Do Nepali nationals need travel insurance for a Schengen visa?
Yes. Nepali nationals applying for a Schengen visa must provide proof of travel insurance with a minimum of €30,000 (approximately NPR 4,200,000) in emergency medical and repatriation coverage. The policy must cover all 27 Schengen countries for the full trip duration.
Can Nepali nationals apply for Schengen insurance online?
Yes. You can apply online from Nepal and receive an instant digital certificate by email. International Visa and Mastercard payments are accepted. The process takes about 5 minutes and requires no physical documents to be mailed.
Which Schengen embassies are in Kathmandu?
Kathmandu has German, French, Italian, Dutch, Swiss, Danish, and Finnish embassies that process Schengen visa applications. Some Schengen countries (like Spain and Belgium) do not have direct representation in Nepal — applicants must apply through the embassy of the country they are visiting, which may require applying in New Delhi, India.
How much does Schengen insurance cost for Nepali nationals?
Schengen insurance for Nepali nationals typically costs $8–$25 per week depending on age. A 30-day plan for a 30-year-old costs approximately $22–$40. Travelers over 65 can expect $65–$110 for 30 days. Use our quote tool for exact pricing.
What if my visa is denied after buying insurance?
If your Schengen visa is denied before your travel starts, you can typically receive a full or partial refund. Contact Tower Hill at support@towerhillcorp.com with your rejection letter and we will coordinate the refund with the carrier.
Does Nepal have a high Schengen refusal rate?
Nepal's Schengen refusal rate is approximately 28–35%. Strong documentation is essential. A clear insurance certificate showing €30,000+ in coverage, valid Schengen Area territory, and exact date coverage is an important part of a complete application file.
Related Schengen Guides
Schengen Travel Insurance
Compare all 3 plans — pricing, features, and instant certificates.
GuideSchengen Insurance by Nationality
Find requirements specific to your passport country.
GuideSchengen Visa Requirements
Complete breakdown of EU embassy insurance documentation.
PricingSchengen Insurance Cost Guide
Full price breakdown by age and trip length.
Get Your Schengen Certificate Today
Plans from $8/week. Accepted at German, French & Italian embassies in Kathmandu. Instant delivery.
Compare Plans & Get QuoteMon–Fri 9AM–6PM CST · TX License #2608479TX · support@towerhillcorp.com