I am going to apply for a Long Term Schengen visa soon for a job I am going to start in Luxembourg. And I am unable to determine whether I need to get travel insurance or not. The VFS website says I do need Schengen travel insurance for a minimum duration of 3 months, but, on the other hand, travel insurance companies have a clause about not settling claims before the traveller's return to India. This doesn't make any sense since I am applying for a long term visa.
I also have a similar doubt regarding flight tickets. I already have my 'Authorization to stay' issued by the Luxembourgish immigration department. So, is it necessary to present dummy/actual flight tickets?
Can anyone share their experience of applying for a Long term Schengen Visa? And tell me about what documents are actually necessary to get the Visa?