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Germany Travel Insurance

Planning a trip to Germany? One medical emergency or flight disruption can cost you thousands and ruin your travel experience. Get Germany travel insurance from India to stay Schengen-visa compliant and travel worry-free with coverage for health, trip delays, baggage loss, and more.

Our Germany Travel Insurance offers:

Pre-Existing Disease Coverage

Refund of Visa Fee

Adventure Sports Cover

Luggage Tracking

  • 45 Lakh+ Travellers Served Since Inception^^
  • 184 Crore+ Claim Amount Paid Since Inception**
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Written by:
Anjali Sharma
Anjali Sharma
Anjali Sharma
Insurance Expert

A skilled Insurance Specialist with expertise in writing and research in diverse fields like medical and insurance. Adeptly crafts clear and engaging content. With a strong understanding of complex terminology and regular guidelines, creating informative articles, blog posts, and marketing materials that resonate with the target audience.

Reviewed by:
Rashmi Rai
Rashmi Rai
Rashmi Rai
Insurance Specialist

Rashmi is an insurance specialist with a passion for storytelling. As an insurance sector wordsmith, she brings out a unique perspective and seamlessly explains the mundane terminologies of insurance. Apart from talking about insurance, Rashmi is an avid reader who finds it fun to explore various health and travel topics and explain it to our audience through our platform.

What is Germany Travel Insurance?

Travelling to Germany is a dream for many Indians, whether it’s for business, higher education, or visiting family. This place has an old-world charm that captivates tourists seeking glimpses of the past in the medieval-style structures, centuries-old castles, churches, and historical buildings. Simply put, Germany is a paradise for historians, art and poetry lovers.

Besides its old-world charm, Germany is also one of the most developed Schengen countries and offers world-class healthcare facilities. Although Germany is a safe country to visit, health or travel-related risks, such as a medical emergency, theft, burglary, or baggage loss, are likely to happen while you are on a trip to this beautiful destination.

Thus, to ensure that any discrepancy during the trip does not spoil the whole vacay, you should always secure your trip to the country with the right travel insurance. With Germany travel insurance, you can travel worry-free, as a financial cushion would back you up in case you encounter an emergency.

Select from the Best International Travel Insurance Plans

  • ExploreTravel Insurance Plan for Cross-border Trips
  • Student ExploreTravel Insurance to Secure Your Study Trip Abroad

Explore

  • Coverage for Pre-existing Diseases in Life-threatening Conditions
  • Trip Cancellation & Interruption Cover
  • Loss of Baggage Covered
  • Automatic Trip Extension in Medical Emergency
  • Cover Amount€ 30,000
  • Starting At₹22/day1

Student Explore

  • Medical coverage extended to the country of residence
  • Coverage for Study Interruption
  • Medical Evacuation
  • University Insolvency
  • Cover Amount$30,000
  • Starting At₹11/day2

What are the Features of Germany Travel Insurance?

The travel insurance for Germany from India, more specifically from Care health insurance is especially designed to cover the travel-related contingencies that an individual may face en route.

Features of the Germany travel insurance plan offered include:

Features Details
Budget-friendly Premium Starting at ₹26/day~
Visa-Compliant Coverage Meets the Schengen visa requirement for minimum medical cover of €30,000
Medical Coverage Hospitalisations, including inpatient and out-patient medical care
PED Coverage Covers pre-existing diseases only in life-threatening emergencies
Claim Settlements 30-45 days for claim settlements
Discounts Up to 20%, depending on the number of travellers
Trip Extensions The trip can be extended for up to 7 consecutive days
Cashless Benefits Cashless claim settlements in medical emergencies at network hospitals
Add-Ons Luggage tracking, medical evacuation, adventure sports cover, outpatient consultations modification, and more.

Note: The features mentioned in the plan are for reference purposes only. Kindly refer to the brochure for more details on product features.

Travel Insurance For Germany: Plan at a Glance

Before buying travel insurance for Germany, it is very important that you decide what your needs are from the plan. Suppose you are travelling to Germany with your family, then family travel insurance for Germany can help you cover your trip against emergencies. Whereas, if you are travelling to Germany for higher studies, student travel insurance will ensure that you remain covered throughout your term in the country.

Additionally, it is important that you read out the policy documents and terms & conditions of the plan so that you can avoid any last-minute hassles.

Parameters Explore Europe
Sum Insured €30K, €50K, €100K, €250K, and €500K (Vary according to the premium)

Trip Options

  • Single Trip
  • Multi-trip (Policy will be on an annual basis)
  • Yes
  • Yes (EXPLORE WORLDWIDE-Excl. US/Canada)
Trip Cancellation Up to US $/€ 750
Loss of Passport and/or International Driving License Up to US $/€ 200; Max. US $/€ 75 in case of loss of IDL
Up-gradation to Business Class Up to US $ / €750
Life-threatening Condition due to PED Up to 10%; Maximum up to $30,000
Personal Accident Up to US $ / €10,000

Note: Please refer to the policy documents of Explore Europe to understand the plan in detail.

Types of Germany Travel Insurance Plans for Indians

Heading to Germany and unsure about which holiday insurance Germany plan fits your trip? At Care Health Insurance, you can find several options customised to different travelling needs. Whether you are flying solo or travelling with your family, you can select coverage that suits your journey.

Below are the different types of travel insurance plans for Germany from India:

Individual Travel Insurance 01

Individual Travel Insurance

If you are travelling alone to Germany, an individual travel insurance plan gives you personal protection against unexpected events like medical emergencies, travel delays, baggage issues, and other sudden disruptions during your trip.

Family Travel insurance 02

Family Travel Insurance

Planning a holiday in Germany with your family? Buy the best travel insurance for Germany that allows you to cover multiple members under one policy. It helps handle medical needs and other travel emergencies with one convenient cover.

Student Travel Insurance 03

Student Travel Insurance

For Indian students going to Germany for higher education, student travel insurance offers support for medical emergencies and study interruptions that may affect your stay.

Senior Citizen Travel Insurance 04

Senior Citizen Travel Insurance

A travel insurance plan for senior citizens aims to provide extra medical support to the golden age travellers in Germany. It includes coverage for pre-existing medical conditions, medical evacuation, and baggage loss to ensure a safer and smoother travel experience.

Single-trip 06

Single-trip Travel Insurance

If your visit to Germany is a one-time journey, a single-trip plan covers you for the entire duration of that trip. It usually includes protection against illness, cancellations, delays, lost baggage, and third-party liabilities.

Multi-Trip 07

Multi-Trip Travel Insurance

If you travel to Germany often, an annual multi-trip insurance plan can be a better choice. It covers multiple trips under one policy, helping you save time and often lowering costs while ensuring continuous protection.

Heading to Germany for Higher studies?

Get travel + medical insurance built for Indian students going abroad.

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What is Covered and Not Covered under Travel Insurance for Germany?

  • Inclusions
  • Exclusions

At Care Health Insurance, the travel insurance for Germany from India comes with the following inclusions and exclusions:

Hospitalisation Expenses

The travel insurance for Germany will provide hospitalisation cover in an emergency, including IPD and OPD expenses.

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

If the insured person dies while travelling on a common carrier, the travel insurance policy shall provide a lump sum as compensation.

Trip interruptions

The travel policy provides reimbursement for trip delays, interruptions, or cancellations caused by covered reasons.

Loss of travel documents

The policyholder will receive the specified coverage for loss of travel documents, such as a passport and an international driving licence.

Loss of Checked-In Baggage

The travel policy will reimburse expenses up to a specified amount 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 is covered for expenses incurred for up-gradation to Business Class, when advised by the doctor , and the claim is admissible under inpatient care.

Refund of Visa Fee

You can get a refund for your Germany visa fee if your Schengen visa application is denied for reasons outside your control. This helps you avoid unnecessary financial loss.

Drug Misuse

The travel insurance shall not cover expenses arising out of or attributable to alcohol or drug use/misuse/abuse by the insured members during the course of the trip.

Self-inflicted Injury

Any intentional self-injury, suicide attempt, or any other form of harm to self leading to hospitalisation or death of the insured member(s) shall not be covered.

Breach of Law

Any liability or injury expenses arising out of any breach of law or particular regulations set by the destination country.

World War

Any medical or non-medical expenses arising out of national or international war, or nuclear perils or consequences thereof, shall not be covered within the travel insurance plan.

Hazardous Activities

Any claims relating to hazardous activities like fire stunts, etc., that are otherwise not mentioned in the policy documents.

Dental Treatment

The policy will not cover the expenses of any planned dental treatment or surgery unless necessitated by acute pain.

Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

How to Buy Germany Travel Insurance Online?

To buy the best Germany travel insurance for the Schengen region online, follow the steps below:

Step 1

On the quote page, enter your destination (Germany) and trip duration. Compare the sum insured and benefits, then click Buy Now.

Step 2

Complete customer KYC, fill in the proposer details, and click Next.

Step 3

Add the insured member(s) details and share any medical history, if needed.

Step 4

Make the payment to complete your purchase. Your policy documents will be sent to your registered email and phone number.

Documents Required for Germany From India

When travelling from India to Germany, having the right documents ready makes the visa process smoother. It also leads to hassle-free travel and easy claim support with your Germany travel insurance policy.

Document Purpose
Valid Passport Must be valid for at least six months from the date of travel and required for visa application and travel insurance purchase.
Schengen Visa Mandatory for Indian travellers visiting Germany for tourism, business, or family visits.
Travel Insurance Policy Schengen-compliant Germany travel insurance with minimum medical coverage of €30,000
Confirmed Travel Tickets Proof of onward and return travel
Accommodation Proof Hotel booking, invitation letter, or stay confirmation in Germany
Travel Itinerary Details of planned travel within Germany
Proof of Funds Bank statements or financial proof to support your stay
Identity Proof Aadhaar card, PAN card, or any government-issued ID

What is the Premium of Travel Insurance For Germany?

The premium for travel insurance can be calculated using the online premium calculator. The premium of the plan may vary based on factors such as the traveller's age, the country they are travelling to, trip duration, and the type of coverage selected.

The travel insurance plans for Germany offered by Care Health Insurance are pretty affordable. Let us discuss this with the help of a case study:

Rohit, a 24-year-old IT professional from Bengaluru, planned a 7-day trip to Germany. He wanted to visit Berlin, Munich, and Frankfurt. Since international travel insurance was required for his Schengen visa, he sought a policy that was both affordable and comprehensive. The approximate Germany travel insurance premium with a sum insured of €30k is calculated as below:

Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 24 years No € 30,000 7 Days ₹361

Additionally, you can use the Travel Insurance Premium Calculator to customise your plan and instantly calculate your premium based on your travel details.

The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Factors Affecting the Premium Of Travel Insurance For Germany

As mentioned above, the premium of a travel insurance policy may vary from person to person based on different factors. A few factors that may significantly affect the travel insurance premium are as follows:

  1. Frequency of Trip: While a multi-trip plan can benefit those who travel frequently, the cost of the plan may increase accordingly. A single-trip travel insurance plan may provide coverage at a relatively low cost, as it covers only one trip. However, multi-trip travel insurance shall be bought at a higher premium and thus, a higher sum insured.
  2. Trip Duration: The insurance premium is calculated based on the number of days you plan to spend in Germany. A shorter trip leads to a lower premium.
  3. Medical History: If you cover a pre-existing health condition in your travel insurance for Germany, your travel insurance premium shall automatically increase.
  4. High-Risk Zones: Destinations in the high-risk zones have insurance plans with higher premium requirements. If you are headed to a country famous for adventure activities, your plan's premium may be higher.

How To File a Claim Under Travel Insurance For Germany?

Filing a travel insurance claim for Germany is straightforward if you report the issue quickly and keep all necessary documents on hand. If you are travelling in Malaysia or any of the countries covered by Care Health Insurance, follow these steps:

Notify the insurer

Contact Care Health Insurance customer support or emergency assistance as soon as the incident occurs to learn about the next steps.

Seek official assistance

Go to the nearest hospital for medical emergencies, visit the police station for theft or loss, or reach out to the appropriate local authority based on the type of claim.

Collect all documents

Keep all supporting proof, including medical reports, hospital bills, prescriptions, FIR or police reports, receipts, and any other evidence related to the incident.

File your claim online

Fill out the claim form and upload the documents through Care Health Insurance’s online portal to start your claim for travel insurance in Germany.

How Can We Help You With Claim Support?

At Care Health Insurance, we partner with Falck to help you stay covered across the globe. In the USA and Canada, we are powered by the UnitedHealth Group (UHG) in partnership with Falck to ensure an easy claim process. Our claim team here in India ensures that filing a claim is no longer a cumbersome task.

How to Apply for a Germany Visa?

If you are an Indian Passport holder, 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 the Visa Application Centre.

Step 2

Provide complete details in the visa application form along with a photograph.

Step 3

Book an appointment online or at the Joint Schengen visa application centre.

Step 4

Provide your biometrics (fingerprint) data and a digital photograph. Pay the applicable fees either in cash or by DD.

It takes about 10 to 15 days for the Germany visa to process. Collect your visa from the visa application centre or opt for courier delivery.

Important Documents Required for Germany Visa Application

Any application for a short-term German Schengen visa must enclose the following documents:

  1. Completed the visa application form with correct information in compliance with the information in the rest of the documents.
  2. A valid passport with two blank pages and valid for a minimum of six months beyond the date of travel.
  3. Two passport-size photographs.
  4. Documents supporting proof of accommodation in Germany.
  5. A valid Travel Health Insurance plan.

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Adventure & Winter Sports Coverage for Germany

Germany is a popular destination for winter sports such as skiing, snowboarding, and ice skating, especially in the Bavarian Alps. These activities can make your trip more exciting, but they also carry greater risks. A standard Germany travel insurance plan from India might not cover these adventures or winter sports unless you select a specific add-on.

Let’s consider some cases and understand how travel insurance for Germany can be a lifesaver:

Case Study 1: Skiing Accident in the Bavarian Alps

Amit, a 29-year-old traveller from Delhi, planned a winter holiday in Garmisch-Partenkirchen. While skiing, he injured his leg and needed hospital treatment. In Germany, healthcare costs are eight times higher than in India.

Just because he chose an adventure sports add-on with his travel insurance for Germany. His policy covered emergency medical costs and hospitalisation, protecting him from high out-of-pocket expenses.

Case Study 2: Snowboarding Injury Without Add-On Cover

Neha, travelling from Mumbai, went snowboarding in Germany without adding adventure sports coverage to her policy. After a minor accident, her medical claim was denied because winter sports were not covered under the basic plan. This showed the importance of picking the right add-on before engaging in these activities.

Key Takeaway: If you plan to ski, snowboard, or take part in any adventure activity in Germany, choose a travel insurance policy that includes coverage for adventure and winter sports. A small extra fee can save you from costly medical bills and unexpected emergencies while you are abroad.

Adventure Sports Cover—Too Expensive?

Get an instant quote and see the actual cost before you decide.

Indian Embassy in Germany

The Embassy of India in Germany acts on behalf of the Government of India. It aims to improve diplomatic, economic, and cultural ties between India and Germany. The embassy also offers important consular services and support to Indian citizens living in Germany.

Details Information
Official Name The Embassy of India, Berlin
Address Tiergartenstraße 17, 10785 Berlin, Germany
Phone +49-30-25795-0
Email dcm@indianembassy.de, cons.berlin@mea.gov.in
Fax +49-30-26557000
Working Hours 9:00 am to 5:30 pm
Working Days Monday to Friday
Official website https://indianembassyberlin.gov.in/

Indian Consulates in Germany

Apart from the Indian Embassy in Germany, there are three Consulate General offices in Germany to help Indian citizens and build cooperation between the two countries. These consulates offer important services like visas, passports, OCI, and emergency assistance for people living or travelling in their areas.

Consulate Consulate General of India Consulate General of India Consulate General of India
City Frankfurt Munich Hamburg
Address Friedrich-Ebert-Anlage 26, 60325 Frankfurt am Main, Germany Widenmayerstraße 15, 80538 München, Germany Kohlhöfen 21, 20355 Hamburg, Germany
Phone +49 69 1530050 +49 89 21023912 +49 40 338036
Email hoc.frankfurt@mea.gov.in cons.munich@mea.gov.in cons.hamburg@mea.gov.in
Official website cgifrankfurt.gov.in cgimunich.gov.in cgihamburg.gov.in

List of Airports in Germany

Germany has several major international airports that connect the country to destinations throughout Europe and beyond. These airports are important for supporting tourism, business travel, and global trade.

Here is the list of some major international airports in Germany with their IATA code:

City Airport Name IATA Code
Frankfurt Airport Frankfurt FRA
Munich Airport Munich MUC
Berlin Brandenburg Airport Berlin BER
Düsseldorf Airport Düsseldorf DUS
Hamburg Airport Hamburg HAM
Stuttgart Airport Stuttgart STR
Hannover Airport Hannover HAJ
Cologne Bonn Airport Cologne/ Bonn CGN
Leipzig/Halle Airport Leipzig/Halle LEJ
Nuremberg Airport Nuremberg NUE

Safety Tips for Travellers Visiting Germany

Germany is usually a safe and well-organised country for tourists. It has excellent public transport and infrastructure. However, like any popular travel spot, visitors should follow basic safety tips to ensure a smooth, stress-free trip.

  1. Keep an eye on your belongings in crowded places like train stations, buses, markets, and tourist attractions.
  2. Use official transport and licensed taxis to avoid confusion or overcharging.
  3. Keep your identification documents safe and have digital or photocopies as backups.
  4. Follow local laws and rules, especially traffic regulations and public conduct guidelines.
  5. Be careful with cash and cards. Use ATMs located inside banks or in secure areas.
  6. Be aware of emergency numbers; the general emergency number in Germany is 112.
  7. Respect local customs and quiet hours, especially in residential neighbourhoods.
  8. Check the weather and travel advisories, particularly in winter or during extreme weather.
  9. Keep your Germany travel insurance documents handy, including the agent or company’s 24/7 emergency contact details.

Quick Facts About Germany

Here are a few quick facts that you should know about Germany:

Category Specification
Official Name Federal Republic of Germany
Capital Berlin
Official Languages German
Largest City Berlin
Continent Europe
Currency Euro(€)
Population 84 million (approx.)
Area 357,683 sq. km
Time Zone Central European Time (CET)
Country calling code +49
Major Airports Frankfurt (FRA), Munich (MUC), Berlin (BER)

Places to Visit in Germany

Here are some of the best places to visit while travelling to Germany:

  1. The Berlin Wall: One of the iconic places to visit in Germany, go for sightseeing at the Berlin Wall and the Berlin War Memorial.
  2. The Brandenburg Gate: An 18th-century neoclassical monument in Berlin, mark this sandstone military structure in your itinerary when you visit Germany.
  3. 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.
  4. 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.

Best Time to Travel to Germany

Germany can be visited year-round, but the best time depends on what you want to experience. You might look for pleasant weather, sightseeing, festivals, or budget travel. Each season offers something unique.

Below is the list of the best seasons when you can travel to Germany:

Season Months Weather Why Visit
Spring March–May Mild, cool, fresh Blooming gardens, fewer crowds, ideal for sightseeing and city tours
Summer June–August Warm, pleasant Best for outdoor activities, festivals, hiking, lakes, and long daylight hours
Autumn (Fall) September–October Cool, crisp Oktoberfest, wine festivals, scenic landscapes, and comfortable travel weather
Winter November–February Cold, snowy (in some parts) Christmas markets, winter sports, festive atmosphere, and budget-friendly travel

Things to Do in Germany

Germany is a fascinating travel destination with a rich history, modern cities, scenic landscapes, and cultural festivals. Whether you want to explore historic landmarks or enjoy nature, food, and entertainment, Germany has something for every type of traveller.

Here is the list of things that you can explore in Germany:

  1. Explore Berlin: Visit the Brandenburg Gate, Berlin Wall sites, and museums. Enjoy the modern culture of the capital city.
  2. See Neuschwanstein Castle: This famous fairy-tale castle in Bavaria features beautiful architecture and stunning mountain views.
  3. Visit Munich: Experience Bavarian traditions, explore Marienplatz, and try local food and beer in beer gardens. Enjoy the lively atmosphere.
  4. Take a Rhine River cruise: Sail past vineyards, charming villages, and many old castles along the Rhine River.
  5. Discover the Black Forest: This scenic region is known for its forests, lakes, and hiking trails. Don't forget to try the famous Black Forest cake.
  6. Visit Cologne Cathedral: This magnificent Gothic cathedral is one of the most important landmarks in Germany.
  7. Enjoy German food: Try pretzels, sausages, schnitzel, and traditional desserts at local markets and restaurants.
  8. Attend festivals: Experience Oktoberfest in autumn or visit Christmas markets in winter for a festive vibe.
  9. Explore Hamburg: Visit the harbour area, take boat tours, and see the historic Speicherstadt district.
  10. Take a day trip to the Alps: Enjoy snow, hiking, cable cars, and scenic lakes in the Bavarian Alps region.

International Travel Insurance for Most Visited Countries

Planning for an international vacation in the coming year? Whether you are a solo traveller or are travelling with family, secure your next trip with these region-specific travel insurance plans from Care Health Insurance.

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FAQs on Germany Travel Insurance

  • General
  • Travel Insurance
  • Coverage
  • Claim

Q. Why Do You Need Travel Insurance for Germany?

Travel insurance for Germany is mandatory for a Schengen visa and protects you against medical emergencies, trip delays, baggage loss, and other unforeseen travel risks.

Q. What is the Minimum Coverage Required for a Germany Visa?

The minimum coverage required is €30,000, which must include medical emergencies and hospitalisation as per Schengen visa guidelines.

Q. Who Should Buy Germany Travel Insurance?

Indian tourists, business travellers, students, and senior citizens travelling to Germany should buy travel insurance before departure.

Q. Can I Buy Germany Travel Insurance After Reaching Germany?

No, travel insurance must be purchased before starting your trip from India to ensure coverage from day one.

Q. Why Choose Us for Your Germany Travel Insurance?

We offer Schengen-compliant coverage, affordable premiums, cashless hospitalisation, 24×7 global assistance, and a simple online buying and claim process.

Q. What Does Sum Insured Mean in Germany Travel Insurance?

Sum insured is the maximum amount your insurer will pay for covered claims during your trip to Germany.

Q. What is a Cashless Claim?

A cashless claim allows you to receive treatment at a network hospital in Germany without paying upfront; the insurer settles the bill directly.

Q. What Are Pre-Existing Diseases (PEDs)?

Pre-existing diseases are medical conditions that existed before buying the policy. They are usually covered only in life-threatening emergencies, subject to terms.

Q. What is a Trip Extension?

Trip extension allows you to extend your Germany travel insurance policy for a limited number of days if your travel is delayed.

Q. Does Travel Health Insurance for Germany Cover Hospitalisation Costs?

Yes, travel health insurance for Germany covers hospitalisation expenses incurred during a medical emergency due to illness or accident, including inpatient and out-patient care.

Q. Does Travel Insurance for Germany Cover Giving Birth in Germany?

No. Travel insurance for Germany does not cover expenses related to pregnancy, childbirth, or related complications.

Q. Does Germany Travel Insurance Cover COVID-19?

Most plans cover COVID-19-related medical treatment, subject to policy terms and coverage limits.

Q. Are Adventure and Winter Sports Covered Under Germany Travel Insurance?

Adventure and winter sports are covered only if you opt for an add-on cover. Standard policies may exclude such activities.

Q. How Do I File a Claim Under Germany Travel Insurance?

In case of an emergency, contact the 24×7 assistance team immediately. Claims can be filed either cashless (at network hospitals) or on a reimbursement basis.

Q. How Long Does Claim Settlement Take?

Claim settlement typically takes 30–45 days, provided all required documents are submitted correctly.

Q. What Documents Are Required for a Travel Insurance Claim?

Common documents include medical reports, bills, prescriptions, discharge summaries, passports, visas, and policy details.

Q. Can I File a Claim After Returning to India?

Yes, reimbursement claims can be filed after returning to India by submitting all necessary documents within the specified timeline.

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Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.

^^Number of Travellers Served till Dec'25

**Number of Claim Amount Paid as of Dec'25

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $30,000) if disclosed during policy purchase.

~The premium of ₹22 per day has been calculated for an individual aged 24 yrs. For a 90-day-long trip to Germany, with the coverage of €30,000.

1. Explore: The premium is calculated for an insured individual (24) who opts for a sum insured of € 30,000 for 90 days with add-ons that impact the premium reduction.

2. Student Explore: The premium is calculated for a traveller who opts for a sum insured of $30,000 for 24 months, with no pre-existing disease.

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"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."

  • The premium calculated above is based on the data provided by you in the application form.
  • The above information must be read in conjunction with the sales brochure and policy document.
  • Tax Benefits would be available as per the prevailing Income Tax laws.
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