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Germany Travel Insurance

A Quick Guide on Travel Insurance for Germany


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    Claim Settlement Ratio (OND 2018)


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    Network Hospitals across 500 cities


    400 Lacs+

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    About Travel Insurance Germany

    Germany has an old-world charm that captivates tourists who seek to capture glimpses of the past in the medieval style structures, centuries-old castles, churches, and historical buildings. Every traveller is exposed to unknown travel and health risks. So, do not forget to secure your trip if you plan to visit this destination this year. Travel around this country worry-free by securing yourself from misadventures with a Germany travel insurance plan.

    A Schengen member country, Germany is known for its world-class healthcare facilities. Thus, tourists can rest assured that they will have access to excellent medical care facilities if they face any medical emergency. However, the costs one may incur can be high. It is thus wise to get a travel cover. Moreover, a travel health insurance plan for Germany is a mandatory requirement for tourists. Make sure you have a clear knowledge of the entry requirements.

    Further, we must think about the possibilities of any unexpected event, like trip delays or loss of passport or checked-in baggage that cause inconveniences and losses. Thus, stay financially secure with a travel cover and experience a comfortable trip. 

    Apply for a Schengen visa if you plan to visit Germany for business or tourism purposes. Travel insurance for Germany is intended to safeguard you from various medical or non-medical expenses on your international trip.

    Is Germany Travel Insurance Mandatory?

    Germany is a part of the 26 Schengen countries. As an international tourist, if you visit Germany on a short-stay visa, known as Schengen Visa, you will require a Germany travel insurance plan.

    Germany is recognised for its superior healthcare system. In case you face a medical exigency, you will have access to quality medical care. Yet, you might incur unwanted expenditures that can ruin your travel plans. Hence, as a smart traveller, the first step you must take to ensure your safety in a foreign land is to buy the best travel insurance plan.

    Quick Facts about Germany



    Official Languages




    Country calling code


    Modes of transportation 

    Suburban Express Trains, Underground Trains, Trams and Buses

    Time difference 

    4 Hours and 30 Minutes behind Indian Standard Time

    International Airports

    Berlin Tegel Airport, Berlin Schönefeld Airport, Munich Airport, Frankfurt Airport

    What is covered in Travel Insurance for Germany?

    The international travel insurance will provide coverage for various medical and non-medical expenses.

    • Emergency hospitalisation: The travel insurance for Germany will provide hospitalisation cover in an emergency, including IPD and OPD expenses.
    • Cashless hospitalisation: It helps you access immediate hospitalisation on a cashless basis 
    • Pre-existing Diseases: The Germany travel insurance plan will provide coverage for treating pre-existing diseases if it is a life-threatening condition.
    • Common Carrier Accidental Death: In the case of the insured person’s unfortunate accidental death on a common carrier/transport, the travel policy will provide a lump sum amount.
    • Trip delays, interruptions, and cancellations: The travel policy provides reimbursement if the policyholder faces trip delays, interruption, or cancellation due to unforeseen circumstances.
    • Loss of travel documents: The policyholder will get the specified coverage for loss of travel documents, like passport and international driving license. 
    • Delay/ Loss of Checked-In Baggage: The travel policy will reimburse expenses in case of loss of checked-in or delays in receiving the luggage, up to a specified amount. 
    • Up-Gradation to Business Class: The policyholder gets coverage for the expenses towards up-gradation to business class, and the claim is admissible under in-patient care.
    • Automatic Trip Extension: The policy provides automatic trip extension benefit up to 7 consecutive days for your extended trip in Germany.

    What is Not Covered in Germany Travel Insurance Plan?

    Whenever you opt for travel insurance for Germany from your insurer, make sure you thoroughly check the exclusions, that is, the cases where you will not be able to make a claim under your travel plan. They include:

    • Expenses for treatment of HIV/AIDS, other transmitted diseases, self-inflicted injury, attempted suicide, etc. are not covered under Germany travel insurance
    • Expenses arising out of hazardous activity, under the influence of drugs or alcohol, consequences of war or nuclear perils, exposure to ionising radiation or contamination due to the same
    • Any liability related to any professional services offered by the insured
    • Expenses incurred by engaging in business activities; ownership of any aircraft, watercraft, motor vehicle or other vehicles
    • Personal liability towards another individual, whether personal, official or commercial
    • Expenses due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations and also involvement in Breach of Law
    • Expenses due to the encroachment of intellectual property rights like patent, copyright, and trademark are not covered under travel insurance for Germany
    • Liability related to the possession of animals, insects, bird and reptiles and their by-products

    Benefits of Travel Insurance for Germany

    While an overseas trip brings a world of opportunities and everything a traveller seeks, one should never ignore the possibilities of unforeseen events. Thus, before you start your journey, secure yourself with comprehensive travel health insurance for Germany. It will provide coverage for various expenses during any medical and non-medical emergency. The significant benefits you can look forward to:

    • Comfort: The Germany travel insurance plan will keep one stress-free and at ease when travelling overseas, particularly senior citizens and students.
    • Saves you during Medical Emergencies: The plan provides adequate coverage to help you get immediate medical attention abroad and secures you in case of accidental hospitalisation. 
    • Compensation in case of Mishaps: The plan provides compensation to the nominee in case of the insured person’s uncertain death. It provides coverage for mishaps like accidental death, disability, and repatriation to the home country.
    • Covers you in other Contingencies: The travel insurance for Germany saves you from other travel-related risks and provides coverage for trip delays/ cancellations and loss of belongings and documentation. 
    • Multi-Trip Policy: Frequent flyers can avail of the multi-trip travel policy and be free from any hassle.
    • Cashless Claim Settlement: The Germany travel insurance plan saves you from any stress during a medical emergency and enables you to access the cashless claim facility. 
    • Region-specific Insurance Plans: You can opt for our region-specific customised international travel insurance plans and get adequate financial protection, thus being worry-free about all travel risks

    Eligibility for Travel Health Insurance for Germany

    The eligibility* criteria to opt for international travel health insurance for Germany will depend on the type of plan you have chosen for your trip. Check the eligibility below:

    Travel Insurance Plans Eligibility Criteria
    Explore - International Travel Insurance The minimum entry age is one day.
    The age of a proposer is minimum 18 years or above.
    The maximum entry age for an adult is as specified in the plan.
    Student Explore – Student Travel Insurance The minimum entry age is 12 years.
    The maximum entry age is 40 years

    *Please refer to the policy documents

    Things to Keep in Mind While Selecting Travel Insurance for Germany

    • Trip Duration: As you decide your budget for the trip, you also need to consider customising your travel policy based on the trip duration. A short trip to Germany will not cost as much as that for a year-long trip. 
    • Nature of Your Trip: If plan a holiday in Germany and engage in adventure sports, make sure you look if there is an optional cover that will cover the risks. Get a plan that provides suitable coverage. 
    • Check the policy coverage: Review the documents to know policy inclusions and understand the expenses that will be covered. Our overseas travel insurance for Germany includes maximum benefits at an affordable premium. Get a multi-trip policy if there are frequent trips planned.
    • Understand the Exclusions: You might not want to face any financial stress if you learn that your travel plan does not cover certain expenses, but you assumed it would. Thus, it is advisable to read the exclusion and plan your finances accordingly. 
    • Know the Claims Procedure: Understand thoroughly the procedure of notifying the insurer and filing a claim in an emergency. Keep the vital contact details on your fingertips to save crucial time. Find out if the policy has a cashless treatment facility in the destination where you are going. 

    Premium for Travel Health Insurance for Germany 

    We offer Germany travel insurance policies at an affordable premium. The actual premium amount depends on factors, including the number of travellers, their age, pre-existing health conditions, destination, the sum insured, trip duration, and the type of coverage. The online travel insurance premium calculator helps you compare different premium costs and customise your options before choosing a travel plan that is affordable for you.

    Here is an example of a solo traveller - a male aged 30 years, with no pre-existing health condition. He chooses a single-trip travel insurance plan for Germany a one-month trip duration; the average premium* would be approx. Rs 1,183, including GST @ 18%.

    *T&C applied. The amount may vary based on age and other factors.

    >> Calculate Travel Insurance Premium

    Types of Germany Visas

    Citizens of non-EU countries need a visa to enter Germany. With Schengen Visa, tourists can get visa-free access to any of the 26 European countries that have signed the Schengen agreement. Tourists traveling for short duration must apply for Schengen Visa. Based on the purpose of your visit, you can apply for the following visas:

    • Tourist Visa: If you are planning for a vacation to Germany or a visit to family and friends, you will require a tourist visa.
    • Student Visa: Apply for a student visa if you are planning to get admission in a German University. 
    • Business Visa: For people visiting Germany for business purposes, this type of visa should be obtained before embarking on an international trip.
    • Work Visa: Those going to Germany to work on a temporary basis should obtain this visa. 
    • Airport Transit Visa: Indians travelling to another country via Germany can apply for Transit Visa to get entry to the country for a shorter duration. It is valid for 14 days from the date of issue.

    Visa Procedure for Germany

    If you are an Indian Passport Holders, you must first submit your Schengen visa application at any of the Visa Facilitation Services Global Offices in India located in New Delhi, Mumbai, Chennai Bengaluru, and Kolkata.

    • Step 1: Submit your passport at Visa Application Centre
    • Step 2: Provide complete details in visa application form along with a photograph
    • Step 3: Book an appointment online or at Joint Schengen visa application center
    • Step 4: Provide our biometrics (fingerprint) data and a digital photograph. Pay the applicable fees either in cash or DD

    It takes about 10 to 15 days for processing. Collect your visa from the visa application center or opt for courier delivery.

    A Guide for Your Germany Trip

    Germany is one of the safest countries in the world. The best time to visit Germany is summertime in early June. If you are planning to visit the country in winters, be equipped to handle the extreme cold weather as temperatures usually drop to - 10 degrees Celsius.

    Even though Forex travel cards make transactions convenient, carrying a little cash will be helpful as locals prefer cash over other payment modes. Most of the local shops, including grocery stores, are closed on Sundays. So plan your day accordingly. Moreover, Germans encourage eco-friendly practices. Look out for recycling bins in the city where you can dispose of plastic bottles.

    The locals are friendly too. Although many Germans understand English, learning some basic German phrases like Danke (thank you) and Tschüs (goodbye) will be helpful.

    Places to Visit in Germany

    • The Berlin Wall: One of the iconic places to visit in Germany, go for sightseeing at the Berlin Wall and the Berlin War Memorial.
    • The Brandenburg Gate: An 18th-century neoclassical monument in Berlin, mark this sandstone military structure in your itinerary when you visit Germany.
    • The Black Forest: Situated in Baden-Württemberg in southwest Germany, this is a retreat for nature lovers where you will also get to see densely wooded terrains, expansive vineyards and Gothic buildings in the vicinity.
    • Zugspitze Massif: The highest peak of the Wetterstein Mountains at 2,962 meters above sea level, Zugspitze Massif is another major attraction for adventurers and tourists who wish to capture panoramic city views.


    Does Travel Health Insurance for Germany Cover Hospitalization Costs?

    Yes, travel health insurance for Germany will cover the hospitalisation costs incurred by the policyholder during a medical emergency like illness or accident. The expenses covered include in-patient and out-patient care.

    Does Travel Health Insurance for Germany Cover Medication?

    Yes, the Germany travel insurance plan will cover miscellaneous expenses, including medication, if it is prescribed by any registered medical practitioner as part of the treatment. The sub-limits on such expenses will be applicable as specified in the policy terms and conditions.

    Does Health Insurance for Germany Cover Giving Birth in Germany?

    No. Travel Insurance for Germany will not cover the expenses related to pregnancy and childbirth.

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