Travel Insurance for Germany from India

What is Travel Insurance for Germany?

Germany promises a lot of opportunities to explore and visit new places, but you can't ignore the health and travel risks that you may be exposed to when in Germany.

A travel and health insurance plan for Germany helps you safeguard your trip against any unforeseen emergency that may arise during your trip. Since the healthcare expenses are quite high in Germany, a travel insurance for Germany also saves you in case of any medical expenditure that may occur during your trip.

Travel insurance plans ensure that you are protected from any unplanned expenses that could lead to a financial loss due to a missed flight, unavoidable hospitalisation, passport loss or other improbable mishaps in Germany. Travel medical insurance for Germany offers comprehensive coverage for most of the risks that may arise during the trip.

Germany Fast Facts

Benefits of Travel Insurance for Germany

Your Germany travel medical insurance works as a financial security for your trip and ensures a stress-free experience thanks to its wide coverage. Some of the key benefits of buying travel insurance for Germany from India are given below:

• Provides 24X7 customer support and travel assistance
• Covers loss, damage or delay of check-in baggage
• Meets the required medical coverage of a minimum EUR 30,000
• Covers medical expenses for accidents, sickness, medical evacuation or repatriation in case of eventualities
• Covers loss of passport and expenses incurred in getting a duplicate passport
• Covers trip cancellation, cancelled hotel or flight bookings
• Provides coverage for personal liability
• Offers automatic extension of the insurance policy in case of emergencies

Other than these, you can choose added benefits by buying add-ons at an extra premium. The most popular one to be purchased along with a Schengen travel insurance is adventure sports cover, in case you are going skiing or hiking.

Inclusions under Germany Travel Insurance

The following conditions are typically covered under a travel insurance plan for Germany.

• Medical Expenditure: Any unforeseen medical expenses, accidental claims, medical evacuation, etc.
• Baggage and Passport Loss: The insurer is liable to compensate in case of passport and luggage/baggage loss.
• Personal Liabilities: Travel insurance for Germany covers any liability caused to third party or property.
• Flight Delay and Cancellations: Coverage against any flight delays, trip cancellations, etc.

*Disclaimer- You must read your policy wordings thoroughly to know the exact inclusions of your travel insurance for Germany.

Exclusions under Germany Travel Insurance

• Travelling for a Medical Treatment: Travelling to Germany for a treatment of any pre-existing condition.
• Pre Existing Ailments: Expenses arising due to any pre existing diseases not already covered in your policy or included as an add-on.
• Self Inflicted Injuries: Any loss or damage caused due to injuries or damages you have done to yourself.
• Losses due to Drugs/Intoxication: Any losses or damages caused due to intoxication, alcohol, or drugs

*Disclaimer- You must read your policy wordings thoroughly to know the exact exclusions of your travel insurance for Germany.

Documents Required to Travel to Germany

You may miss out on a thing or two when it comes to packing your bags, but travelling to Germany requires certain paperwork. You need to prepare the following documents for your Germany trip:

Germany Entry Requirements from India

• Visa Application: Completed Schengen visa application form
• Photos: Recent passport-sized photos
• Required Documents: A copy of your Indian passport and visa. Your passport must have a validity of at least 6 months.
• Travel Medical Insurance: Having a travel insurance for Germany of at least EUR 30,000 is mandatory.

Travel Insurance Purchase

You must have the following documents to purchase travel and health insurance for Germany.

• Passport copies of all travellers
• Any valid government issued ID Proof
• Trip and Flight details
• KYC for Germany travel insurance is required before purchase

Travel Insurance Claim

• FIR/Police Report for criminal cases
• Passport copy with immigration stamps
• Identity Proof
• Completed claim forms
• Copy of your original travel insurance policy
• Original bills and receipts

*You may be asked to provide all of these or more documents, depending on your insurer and claim.

Germany Travel Insurance Add-ons

While each insurer offers a comprehensive coverage with their travel insurance for Germany from India, they also offer several add-ons to increase the coverage. You can learn about these add-ons for your travel health insurance Germany from India and their benefits like coverage for medical expenses arising due to adventure sports, automatic trip extensions, refund of visa fees, and much more.

Germany Visa Procedure for Indians

• Know Your Purpose: Decide the reason you’re travelling to Germany to choose the type of visa required such as work visa, tourist visa, student visa, etc.
• Apply Online: Fill the online application form of a Schengen visa with all the required details.
• Gather all Documents: Prepare all the required documents and book your visa appointment.
• Fee Payment: Pay the fees and book your appointment for your Germany visa
• Interview Process: Attend the interview and wait for the Germany visa processing.

*Travel Insurance is mandatory for Visa Application

How to Plan your Germany Trip

The country is known for its landscape and attractions. There are several things to do in Germany for almost everyone. Be it living the city life or trekking through the beautiful mountains, make sure you include the following places in your itinerary for Germany and plan well to enjoy your trip to the fullest!

Here are certain things that you need to make the most of your Germany trip. You must do a bit of your research. To help you with the same, here is how to plan your Germany trip.

1. Decide your trip dates and duration
2. Book your round-trip flight and hotel in advance
3. Find out the cities and places you wish to visit in Germany depending upon your trip duration
4. Plan the activities you wish to do such as adventure sports, trekking, camping, etc
5. Understand the mode of transportation and rail network of the country

Things to Keep in Mind in Germany

When you are in a foreign land, there are some important things you should keep in mind. Some of the common details you might need for your Germany trip are mentioned below.

The Indian Embassy in Germany

Even though your Germany travel insurance will offer coverage for maximum scenarios, in some unfortunate situations you can reach out to the Indian Embassy and Consulates in Germany

• Embassy of India, Berlin
• Consulate General of India, Hamburg
• Consulate General of India, Munich
• Consulate General of India, Frankfurt

International Airports in Germany

There are several airports in Germany. You can choose one depending on your travel itinerary

Some of the common airports in Germany are Hamburg Finkenwerder, Frankfurt Airport, Dortmund Airport, Berlin Tegel Airport, Kiel Holtenau.

Currency and Foreign Exchange

The currency used in Germany is the Euro. Here is the latest exchange rate to get an estimate:

INR 95.64 = EUR 1 = USD 1.12

Germany Travel & Safety Tips

Germany remains a very popular place for tourists because of its safety and convenience. However, you must do your homework and prepare for your trip well. This includes packing, bookings, preparing documents and picking the most suitable season for this place. The best time to visit Germany depends on your purpose of visit and your idea of a holiday. You must also pack well and be mentally prepared for common mishaps while pursuing different things to do in Germany. Following the tips below can improve your visit considerably:

• Avoid Last Minute Expenses: Try to book everything at least 4-5 months before your planned trip and avoid last minute surges.
• Know about the Transportation: Read up on German transportation, especially in Berlin as the city has three fare zones, and it may confuse you if you're planning to explore the area via commuter rail and underground subways.
• Always Recycle: Germany is very serious about recycling; make sure to use recycling depots and avoid using plastic bags wherever possible.
• Know the Basic Language: English is not commonly spoken here, so try to use some common German phrases here.
• Take Your Shoes: Walking is one of the best ways to explore Germany, bring good sneakers or shoes as you may be forced to walk more than you're used to.
• Emergency Contacts: The nationwide toll-free number for police is 110 (or otherwise, via the 112 operators). The emergency contact number for the fire brigade is 112. It is a toll-free number and is reachable from mobiles, phone boot, and even fixed-line.

Once you are done with these bookings, buy a Germany insurance travel. It will meet the necessary health insurance for tourists in Germany requirements for a Schengen visa as well as protect you from unavoidable trip cancellations in future.

Most Visited Places in Germany

With several tourist attractions, Germany is one of the most popular places to go to. Depending on your plans, you can look at some of the best places to visit in Germany:

• Berlin: Berlin has a rich history, vibrant culture, and popular attractions such as the Brandenburg Gate, Reichstag, East Side Gallery, etc. The capital is one of the most visited cities in Germany.
• Hamburg: Being one of the largest ports in the country, Hamburg has a lively atmosphere and tourist attractions like the Speicherstadt, St. Michaelis Church, and the Miniatur Wunderland.
• Cologne Cathedral: This famous UNESCO World Heritage Site, Cologne is a popular destination amongst tourists due to its historical significance and architectural beauty.
• The Romantic Road: A scenic route through Bavaria is a popular destination that offers charming medieval towns and castles, making it a popular choice for getaways.
• The Black Forest: If you are a nature lover and hiker, going to the Black Forest for its dense, charming, and picturesque lakes and villages will be a treat.