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Travel Insurance for Germany From India

Planning a trip to Germany? That’s fantastic! Germany is a country rich with history, culture, and breathtaking landscapes. From the enchanting Black Forest to the historical landmarks in Berlin, Germany is undoubtedly a treasure trove of experiences waiting to unfold. But, as you sort out your itinerary, there’s one thing you shouldn’t overlook - securing a reliable travel insurance policy.

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Buy Best Travel Insurance Plans for your Overseas Journey from Just ₹552 Onwards*
Buy Best Travel Insurance Plans for your Overseas Journey from Just ₹552 Onwards*
  • Loss of passport
    Loss of passport
  • Emergency Medical cover
    Emergency Medical cover
  • Trip delay cover
    Trip delay cover
  • Loss of baggage cover
    Loss of baggage cover

*Standard Terms and Conditions Apply.

Why Do I Need Travel Insurance for Germany from India?

Travel insurance isn’t merely an additional expense; it’s a safety net that ensures you’re protected against unforeseen circumstances during your international journey. But why exactly do you need one for Germany? Let’s break it down.


1. Medical Emergencies: Healthcare in Germany is world-class but can be quite heavy on the pocket, especially for tourists. A sudden illness or accident may lead you to incur substantial medical expenses. Travel insurance can safeguard you from these unexpected medical costs, ensuring that you receive the necessary care without a financial burden.


2. Trip Cancellations or Delays: Flights can be unpredictable. Having travel insurance can be a lifesaver when facing unexpected flight cancellations or delays, helping you cover the costs of accommodations and new flight bookings.


3. Loss of Belongings: Imagine losing your luggage or important documents while travelling. The inconvenience can be quite stressful. A comprehensive travel insurance policy helps in such situations, covering the costs and assisting you in managing the loss or delay of your belongings.


4. Legal Liabilities: While travelling, there might be instances where you accidentally cause harm to a third party or their property. In such cases, travel insurance can cover the legal liabilities and expenses on your behalf.


5. Schengen Visa Requirement: For Indian citizens travelling to Germany, having travel insurance is a mandatory requirement for a Schengen visa. The policy should cover medical expenses up to €30,000 and be valid across all Schengen countries.


In conclusion, securing travel insurance is an essential part of planning your trip to Germany. It’s not just a visa requirement but a wise decision to ensure that unexpected hurdles don’t hamper your travel experience. So, as you gear up for your German adventure, make sure to pack along a robust travel insurance policy too!



How do I buy Travel Insurance for Germany from India?

Purchasing Travel Insurance for your trip to Germany from India is a straightforward process. Here’s a step-by-step guide on how you can secure your travel insurance online:


1. Visit the Website: Start by visiting the official website or mobile application of the insurance provider or of that of an insurance comparative platform such as InsuranceDekho.com. Look for the travel insurance section to find policies tailored for international travel.


2. Fill in the Details: Enter the necessary details such as your destination, travel dates, and personal information. Ensure that all the information provided is accurate to avoid issues later on.


3. Choose the Plan: Insurers offer various plans based on your needs and destination. Browse through the options, read the coverages, and exclusions, and choose a plan that suits your requirements for the trip to Germany.


4. Get a Quote: Once you select the plan, the insurer will provide a quote. Review the premium and the coverage offered before proceeding further.


5. Make the Payment: If you’re satisfied with the quote, proceed to make the payment online. Various payment options like credit/debit cards, net banking, and digital wallets are available.


6. Receive Policy Document: After the successful completion of your payment, the policy document will be sent to your registered email. It’s advisable to print and keep a copy of the policy during your travel.



How do I choose the right insurance plan?

Choosing the right insurance plan is crucial to ensure that you’re adequately covered during your trip. Here’s how to make a wise choice:


1. Evaluate Coverage: Look at the coverage offered by each plan, such as medical expenses, trip cancellations, baggage loss, and emergency evacuations. Ensure that the plan you choose covers the primary risks associated with your journey.


2. Consider the Destination: Since you are travelling to Germany, ensure the policy complies with Schengen visa requirements, covering medical expenses up to €30,000 and valid across all Schengen states.


3. Look at the Policy Tenure: Choose a policy that aligns with your travel dates. If you’re a frequent traveller, you might want to consider multi-trip plans that cover multiple journeys in a year.


4. Assess Exclusions: Understand what is not covered in the policy. Make sure that the exclusions do not leave you vulnerable to significant risks during your travel.


5. Review the Claim Process: Choose an insurer with a straightforward and hassle-free claim process. Quick and efficient claim settlement is a key factor to consider.


6. Check Customer Reviews: Look for customer reviews and ratings to understand the experiences of other travellers. It can give you insights into the reliability and service quality of the insurer.


7. Consult Experts or Customer Service: When in doubt, don’t hesitate to reach out to the insurer’s customer service or consult industry experts to get advice on choosing the right plan.


Remember, the right travel insurance plan is the one that offers comprehensive coverage against the potential risks you might face during your travel, fitting well within your budget. Take the time to read, assess, and compare before making a decision.



What is covered under travel insurance for Germany?

A well-rounded travel insurance policy for Germany would typically offer the following coverages to ensure your trip is secure and hassle-free:

1. Medical Emergencies:

- Hospitalisation costs due to illness or accidents.

- Emergency medical evacuation.

- Repatriation of remains in case of death.


2. Trip-Related Coverages:

- Cancellation and interruption: Compensation for non-refundable expenses if the trip is cancelled or interrupted due to specific unforeseen events.

- Delay: Covers additional expenses due to delayed or missed flights.


3. Baggage and Personal Belongings:

- Loss or delay: Compensation for lost or delayed baggage.

- Theft: Coverage for stolen personal belongings.


4. Legal and Liability Coverages:

- Personal liability: Coverage if you’re legally liable for causing injury or property damage.

- Legal expenses: Financial support for legal expenses incurred during the trip.


5. Other Assistance:

- 24/7 assistance: Access to emergency support and assistance around the clock.

- Consular referral and assistance in case of lost passports or other essential documents.



What are the exclusions?

Exclusions are specific situations where the insurance policy won’t provide coverage. Here are some common exclusions in travel insurance for Germany

1. Pre-Existing Medical Conditions:

- Expenses related to the treatment of pre-existing medical conditions unless explicitly covered.


2. Adventure Sports and Hazardous Activities:

- Injuries or accidents occurring during the participation in adventure sports or hazardous activities.


3. Unattended belongings:

- Loss of belongings left unattended or unsupervised.


4. Drug or Alcohol Influence:

- Incidents occurring under the influence of drugs or alcohol.


5. Travel against Medical Advice:

- Travelling against the advice of a medical practitioner.


6. War and Terrorism:

- Losses caused due to war, civil war, terrorism, or related events.


7. Self-Inflicted Injuries:

- Injuries or damages caused due to self-harm or suicide attempts.


Understanding both the inclusions and exclusions is crucial while choosing and utilising your travel insurance policy, ensuring that you have reliable and comprehensive coverage for your trip to Germany.



How to raise a travel insurance claim for my Germany Travel Insurance?

Raising a claim on your Germany travel insurance policy typically involves the following steps:

1. Immediate Notification:

- Inform the insurance company as soon as possible. Most insurers provide a 24/7 helpline for immediate assistance and guidance.


2. Provide Necessary Information:

- Share all relevant information related to the claim, such as policy number, nature of the emergency, and assistance required.


3. Documentation:

- Collect and preserve all necessary documents supporting your claim. It could include medical reports, police reports, invoices, receipts, and any correspondence related to the incident.


4. Claim Form:

- Fill out the claim form provided by the insurance company. Ensure that all information is accurate and complete to avoid any complications in the processing.


5. Submit the Documents:

- Submit the completed claim form along with all necessary supporting documents to the insurance company for assessment.


6. Claim Assessment:

- The insurance company will assess your claim based on the provided documents and policy terms.


7. Communication:

- The insurer will communicate the approval or rejection of the claim, along with any additional information or documents required.


8. Settlement:

- If approved, the insurance company will settle the claim as per the policy terms and conditions.



Who is eligible for the insurance?

The eligibility criteria for travel insurance for Germany from India might vary depending on the insurance provider and the specific insurance plan. However, here are some general eligibility criteria:

1. Age Limit:

- Insurance companies usually offer travel insurance to individuals within a specific age range, often between 6 months to 65-70 years. Some companies also provide senior citizen travel insurance plans till 99 years.


2. Type of Traveller:

- Different plans may be available for different types of travellers such as students, business travellers, tourists, and families.


3. Duration of Stay:

- The insurance should cover the entire duration of your stay in Germany.


4. Health:

- Pre-existing medical conditions might affect eligibility. Disclosure of health status and medical history might be necessary.


5. Purpose of Visit:

- The purpose of your visit, whether tourism, business, or education, may affect eligibility and the type of plan you should choose.


Before purchasing a travel insurance policy, make sure to thoroughly read and understand the eligibility criteria, terms, and conditions to choose a plan that best suits your needs and circumstances.



Germany Visa Information for Indians

When planning a trip to Germany from India, understanding visa requirements is essential to ensure a smooth travel experience. Here’s what Indian citizens need to know about obtaining a visa for Germany:


Type of Visas:

- Tourist Visa: For travellers who want to explore Germany as tourists.

- Business Visa: For professional visits, meetings, or conferences.

- Student Visa: For students who plan to study in Germany.

- Work Visa: For individuals with employment opportunities in Germany.


Application Process:

- Fill Out the Application: Complete the visa application form available on the German Embassy or Consulate website.

- Book an Appointment: Schedule an appointment for a visa interview at the German Embassy or Consulate.

- Documentation: Prepare all necessary documents, including passport, photographs, travel itinerary, accommodation details, and proof of financial means.

- Visa Interview: Attend the visa interview, and submit the documents for verification.

- Visa Fee: Pay the applicable visa fee, which varies based on the type and duration of the visa.


Processing Time:

- The processing time may vary but usually takes from a few weeks up to three months. It’s advisable to apply well in advance of your planned travel date.



Indian Embassy in Germany: Information you need to know

With chilly winters and scorching summers, you can experience all types of weather in Germany. Mostly, tourists visit in the month of July, which results in inflation in the country. However, if you want to enjoy snowy and rainy weather, y

Having information about the Indian Embassy in Germany can be very helpful during your stay, especially in case of emergencies, loss of documents, or legal issues.


Location:

- The Embassy of India is located in Berlin, with consulates in Hamburg, Munich, and Frankfurt.


Services Offered:

- Passport and Visa Services: Assistance with new passports, visa applications, and other travel documents.

- Consular Services: Services related to legal matters, attestations, and notarial services.

- Emergency Services: Immediate assistance in case of emergencies like accidents or death.

- Community Welfare: Support and guidance for the Indian community in Germany.


Contact Information:

- It’s advisable to keep the contact information of the Embassy and Consulates, including address, phone number, email, and emergency helplines, readily available.


Office Hours:

- Take note of the working hours and holidays of the Embassy and Consulates to plan your visits or seek assistance effectively.


Website and Social Media:

- Refer to the official website and social media pages of the Indian Embassy and Consulates in Germany for updated information, announcements, and useful resources.


Before travelling, ensure that you have all the necessary information and contacts related to both the German visa application process and the Indian diplomatic missions in Germany for a safe and hassle-free journey.


Germany Visit: Safety Precautions

Here are some of the safety precautions you need to follow during your visit to Germany:

  • You need to be aware of the emergency numbers of Germany. The emergency numbers 110 and 112 are toll-free

  • In case of emergency, you can easily contact the police for help

  • If you are roaming in a public area, then keep your belongings intact to avoid the chances of theft

  • As Germany experiences moderate weather, check the prevailing weather conditions before visiting and accordingly pack your clothes

  • Keep your visa and identify proof handy so that whenever needed, you can provide the necessary details

Germany Currency and Foreign Exchange Details

  • The currency in Germany is Euro

  • You can exchange foreign currency at the airport or even at German banks

  • While you can pay through cards in hotels and restaurants in Germany, it is still advisable to keep local currency while here

Airports in Germany

If you’re travelling to Germany, you must be aware of the airports to make your journey smooth and easy. Here is a list of the airports in Germany.

  • Hamburg Finkenwerder

  • Frankfurt Airport

  • Dortmund Airport

  • Berlin Tegel Airport

  • Kiel Holtenau

Best Time to Visit Germany

With chilly winters and scorching summers, you can experience all types of weather in Germany. Mostly, tourists visit in the month of July, which results in inflation in the country. However, if you want to enjoy snowy and rainy weather, you can visit during June, July, and August.



Documents required to travel to Germany

Before embarking on your journey to Germany from India, you need to ensure that you have all the necessary documents ready and in order. Here’s a checklist of documents you should prepare:


1. Passport:

- Your passport should be valid for at least six months beyond your period of stay in Germany.


2. Visa:

- Depending on the purpose of your visit, ensure you have the appropriate visa (Tourist, Business, Student, etc.).


3. Flight Tickets:

- Confirmed return flight tickets are essential to prove your intention to return to India.


4. Accommodation Proof:

- Hotel booking confirmation or a letter of invitation from a host in Germany.


5. Travel Insurance:

- Valid travel insurance that covers medical emergencies, accidents, and trip cancellations.


6. Financial Proof:

- Bank statements, pay slips, or a letter from your sponsor to prove that you can fund your stay in Germany.


7. Itinerary:

- A detailed plan of what you intend to do in Germany, including places to visit, meetings, or any pre-booked events.


8. Photographs:

- Passport-sized photos as per the specifications mentioned in the visa application.


9. Medical and Health Documents:

- Necessary health and vaccination records, and essential medications with prescriptions.



Tips to buy the cheapest travel insurance for Germany from India online

Purchasing travel insurance is a prudent decision when travelling overseas. Here are some tips to help you find the cheapest travel insurance for your trip to Germany:

1. Comparison Shopping:

- Use online comparison tools to compare various travel insurance policies to find the one that offers the best coverage at the lowest premium.


2. Buy Directly:

- Purchasing directly from the insurance company’s website can often result in lower premiums compared to buying through travel agents or agencies.


3. Choose the Right Coverage:

- Opt for the coverage that suits your needs. Don’t over-insure, but ensure all essentials like medical emergencies and trip cancellations are covered.


4. Look for Discounts and Offers:

- Look for seasonal discounts, offers, or coupon codes that insurance companies may offer online.


5. Review the Policy:

- Carefully review the policy terms and conditions to understand what is covered and what is excluded, ensuring it meets your requirements.


6. Annual Multi-Trip Policies:

- If you travel frequently, consider purchasing an annual multi-trip policy, which could be more cost-effective.


7. Check the Deductible:

- Opt for a reasonable deductible, keeping in mind that a higher deductible will lower the premium but increase out-of-pocket costs during a claim.


8. No Unnecessary Add-ons:

- Avoid purchasing unnecessary add-ons that may increase the premium but are not essential for your travel.


9. Early Purchase:

- Buying travel insurance as soon as your trip is confirmed can sometimes result in lower premiums.


10. Customer Reviews and Ratings:

- Look at customer reviews and ratings to choose a reliable insurance provider that offers good service at competitive rates.


By following these tips and conducting thorough research, you can find a travel insurance policy that provides adequate protection at a reasonable cost for your trip to Germany from India.



Best places to visit in Germany

Germany is a country that brims with history, culture, and natural beauty. Here is a curated list of some of the must-visit destinations in Germany that you should consider including in your itinerary:


1. Berlin:

- The vibrant capital city with a tumultuous history, Berlin is home to iconic landmarks such as the Brandenburg Gate, Berlin Wall remnants, and the Reichstag Building. Explore diverse museums, art galleries, and enjoy its vivid nightlife.


2. Munich:

- Famous for its annual Oktoberfest, Munich is also known for its beautiful architecture, cultural scene, and lush parks. Don’t miss the beautiful palaces and gardens.


3. Hamburg:

- A bustling port city known for its stunning architecture, canals, and international cuisine. The Elbphilharmonie concert hall is a modern architectural marvel you shouldn't miss.


4. Cologne:

- Visit the impressive Cologne Cathedral, explore the old town, and walk along the Rhine River. The city is also known for its vibrant LGBTQ+ scene and events.


5. Frankfurt:

- A global financial hub that also offers a mix of old and new, with its futuristic skyline and charming old town. Explore its museums, gardens, and historical landmarks.


6. Black Forest:

- A picturesque region known for its dense forests, charming villages, and cuckoo clocks. It's ideal for hiking, cycling, and enjoying nature.


7. Neuschwanstein Castle:

- Located in Bavaria, this fairy-tale castle is one of the most popular tourist destinations in Germany, inspiring Disney’s Sleeping Beauty Castle.


8. Dresden:

- A city known for its rich art and cultural scene, with stunning baroque architecture and numerous museums and galleries.


9. Heidelberg:

- Explore the romantic city of Heidelberg with its beautiful castle, old town, and serene river views.


10. The Romantic Road:

- A scenic drive through Bavaria and Baden-Württemberg, passing through medieval towns, castles, and vineyards.



Why Buy Germany Travel Insurance with InsuranceDekho?

Listed below are the reasons why you should buy Germany Travel Insurance with InsuranceDekho:

  • An array of Plans: InsuranceDekho offers a range of travel insurance plans that give you the flexibility to choose a suitable plan for yourself.

  • Easy to Compare Plans: On InsuranceDekho’s website, you can easily compare the different travel plans available.

  • Dedicated Support Team: InsuranceDekho has a dedicated customer support team that will help you buy the right travel insurance plan. You can even get dedicated support when it comes to travel insurance claim settlement.

  • Convenience: With InsuranceDekho, you will experience convenience while buying travel insurance plans. You will be able to buy the plan in just 5 minutes in a hassle-free manner.

Final Thoughts

When planning a trip to Germany from India, ensuring that you have comprehensive travel insurance is crucial for a hassle-free travel experience. Equipping yourself with adequate knowledge regarding visa requirements, travel insurance options, eligibility, coverage, and the claim process can make a significant difference in how you manage unforeseen circumstances during your trip. Moreover, understanding the cultural landmarks and the beautiful destinations that Germany has to offer will enable you to make the most out of your travel experience. Enjoy the beautiful landscapes, historical monuments, and vibrant cultural scenes of Germany with peace of mind, knowing that you are well-prepared and insured for your journey.

Best places to visit in Germany

Germany is a country that brims with history, culture, and natural beauty. Here is a curated list of some of the must-visit destinations in Germany that you should consider including in your itinerary:


1. Berlin:

- The vibrant capital city with a tumultuous history, Berlin is home to iconic landmarks such as the Brandenburg Gate, Berlin Wall remnants, and the Reichstag Building. Explore diverse museums, art galleries, and enjoy its vivid nightlife.


2. Munich:

- Famous for its annual Oktoberfest, Munich is also known for its beautiful architecture, cultural scene, and lush parks. Don’t miss the beautiful palaces and gardens.


3. Hamburg:

- A bustling port city known for its stunning architecture, canals, and international cuisine. The Elbphilharmonie concert hall is a modern architectural marvel you shouldn't miss.


4. Cologne:

- Visit the impressive Cologne Cathedral, explore the old town, and walk along the Rhine River. The city is also known for its vibrant LGBTQ+ scene and events.


5. Frankfurt:

- A global financial hub that also offers a mix of old and new, with its futuristic skyline and charming old town. Explore its museums, gardens, and historical landmarks.


6. Black Forest:

- A picturesque region known for its dense forests, charming villages, and cuckoo clocks. It's ideal for hiking, cycling, and enjoying nature.


7. Neuschwanstein Castle:

- Located in Bavaria, this fairy-tale castle is one of the most popular tourist destinations in Germany, inspiring Disney’s Sleeping Beauty Castle.


8. Dresden:

- A city known for its rich art and cultural scene, with stunning baroque architecture and numerous museums and galleries.


9. Heidelberg:

- Explore the romantic city of Heidelberg with its beautiful castle, old town, and serene river views.


10. The Romantic Road:

- A scenic drive through Bavaria and Baden-Württemberg, passing through medieval towns, castles, and vineyards.



Final Thoughts

When planning a trip to Germany from India, ensuring that you have comprehensive travel insurance is crucial for a hassle-free travel experience. Equipping yourself with adequate knowledge regarding visa requirements, travel insurance options, eligibility, coverage, and the claim process can make a significant difference in how you manage unforeseen circumstances during your trip. Moreover, understanding the cultural landmarks and the beautiful destinations that Germany has to offer will enable you to make the most out of your travel experience. Enjoy the beautiful landscapes, historical monuments, and vibrant cultural scenes of Germany with peace of mind, knowing that you are well-prepared and insured for your journey.

Frequently Asked Questions (FAQ)

  • Is it compulsory to buy a medical travel insurance Germany plan?

    Yes, it is mandatory to buy a medical travel insurance plan for Germany, as it is important at the time of applying for a Schengen visa. 



  • What is the most affordable time to visit Germany?


    January and mid-March are the most affordable months to visit Germany. Moreover. Avoid visiting during festivals, carnivals, and vacations in Germany. 



  • How can I contact the Embassy of India in case of any political tensions?

    You can either call 0049-30-257950 or write to an Indian embassy at cons.berlin@mea.gov.in in case of an emergency. 



  • Is the COVID-19 test compulsory to enter Germany?

    Every person over the age of 12 cannot enter Germany without COVID-19 status proof. 



  • How much money students can earn per month in Germany?

    Students in Germany can earn upto 450 euros per month by working 11 hours per week and 47 hours per month. 



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