Bajaj Travel Insurance for Germany from India
Travel insurance for Germany visa is an important requirement for Indian travellers applying for a Schengen visa to visit Germany. Plans start from ₹19/day* and provide the €30,000 minimum medical coverage required for a Germany Schengen visa.
Get Your Germany Schengen Travel Insurance Quote
Do I Need Travel Insurance for a Germany Schengen Visa?
Yes. Indian travellers visiting Germany must have Schengen-approved travel insurance. Plans such as Bajaj General travel insurance Germany are recognised by the German Embassy and are required when applying for the Germany Schengen Visa. Bajaj General travel health insurance for Germany helps cover medical expenses, hospitalisation, emergency evacuation, and repatriation while abroad.
- Minimum medical coverage of €30,000 (30,000 Euros).
- The policy must be valid throughout the Schengen Area.
- It should cover the entire duration of your intended trip.
- It should also cover expenses related to emergency medical treatment, hospitalisation and medical repatriation.
If you are travelling from India to Germany, it is important to choose a Germany travel insurance policy from India that meets these visa requirements. Having the correct insurance certificate can help ensure that your policy documentation meets the requirements for your Germany Schengen visa application.
Can I Travel to Germany Without Travel Insurance?
Technically, you cannot obtain a Germany Schengen visa without submitting valid travel insurance. The German Embassy and VFS Global require proof of insurance as a mandatory part of the visa application. Without it, your visa application may be refused.
Even if you enter Germany under a different status, travelling without insurance can involve significant financial risk. A single hospitalisation in Germany can cost thousands of euros. Healthcare is not free for foreign visitors, and standard Indian health insurance may not provide coverage abroad.
Is Bajaj General the Same as Bajaj Allianz for Germany Travel Insurance?
Many Indian travellers search for Bajaj Allianz Germany travel insurance or Bajaj Allianz Schengen insurance Germany. To clarify: Bajaj Allianz General Insurance has been rebranded as Bajaj General Insurance. The plans on this page are issued by Bajaj General, the current name of the insurer.
The policy certificate issued after online purchase can be submitted as part of a Germany Schengen visa application when the selected policy meets the applicable visa requirements. Bajaj Allianz and Bajaj General refer to the same insurer following the brand change.
How Much Does Bajaj General Germany Travel Insurance Cost in 2026?
Bajaj General Germany travel insurance from India starts at ₹19/day* and goes up to ₹36/day* for a 25-year-old traveller, depending on the plan selected. All three plans shown below provide $50,000 in medical coverage, while baggage and trip cancellation benefits vary by plan. Get your instant quote in 2 minutes →
| Feature | Travel Companion | Travel ACE | Travel Prime |
|---|---|---|---|
| Medical cover | $50,000 | $50,000 | $50,000 |
| Pre-existing Conditions | Up to $3,000 | Up to $3,000 | Up to $3,000 |
| Baggage loss | $250 | $500 | $500 |
| Trip cancellation | Nil | $1,000 | $500 |
| Starting premium | ₹19/day* |
₹32/day* |
₹36/day* |
*Price shown is for a 180-day trip to Germany for an adult aged 25. Premiums vary by age, trip duration and destination. Get an instant quote for your trip.
Germany Travel Insurance Cost by Trip Duration
The cost of Bajaj General travel insurance for Germany from India depends on the traveller's age, trip duration, and selected plan. Here is a quick reference for a 25-year-old traveller:
| Plan | 15 Days | 30 Days | 90 Days | 180 Days |
|---|---|---|---|---|
| Travel Companion Cheapest | ||||
| Travel ACE Best Value | ||||
| Travel Prime |
lightbulb What is the cheapest Schengen visa insurance from India? The Bajaj General Travel Companion Plan at ₹19/day* is one of the lowest-priced options shown here for Germany Schengen travel insurance. It provides medical coverage subject to the selected policy and applicable terms.
*Per-day rate for a 25-year-old on a 180-day trip. Premiums vary by age, trip duration, and other factors. Enter your details above for an exact quote.
What Is the Cheapest Bajaj General Travel Insurance for Germany?
The Bajaj General Travel Companion Plan is a budget-friendly travel insurance plan for Germany, with premiums starting at ₹19/day*.
Why Choose the Travel Companion Plan?
- check_circle Medical coverage up to $50,000
- check_circle Plans starting at ₹19/day*
- check_circle Emergency medical evacuation: up to $50,000
- check_circle Baggage loss coverage: $250.
This plan provides basic protection for budget-conscious travellers.
What Is the Best Bajaj General Travel Insurance for Germany?
The Bajaj General Travel ACE Plan is the best travel insurance for Germany, with $50,000 medical coverage and premiums starting at ₹32/day*. It also includes up to $500 baggage loss and $1,000 trip cancellation coverage.
Why Choose the ACE Plan?
- check_circle Medical coverage up to $50,000
- check_circle Premiums starting at ₹32/day*
- check_circle Emergency medical evacuation: up to $50,000.
- check_circle Baggage loss coverage: $500.
A discount is available for multiple travellers booking together. (T&C apply)
Do I Need to Apply for a Germany Schengen Visa?
Yes. Indian passport holders need to apply for a Germany Schengen visa to enter Germany for tourism, business, or family visits. This visa allows travel across all Schengen countries for up to 90 days within any 180-day period.
How Do I Apply for a Germany Schengen Visa?
You can complete the visa application online, schedule an appointment with VFS Global, and submit your documents including the policy certificate from Bajaj General Insurance. After biometric submission, you can track your visa application status.
Why Choose Bajaj Travel Health Insurance for Germany?
- Accepted by Germany Embassy and VFS for visa processing.
- Valid in all Schengen countries, not just Germany.
- Instant policy issuance by email (ready for visa submission).
- Cashless hospitalisation? option at network hospitals abroad.
- Supported by General Group worldwide (hence recognised globally as General travel insurance Germany).
Germany Travel Insurance Requirements
| Requirement | Minimum Rule |
|---|---|
| Schengen Visa Travel Medical Insurance | Minimum coverage requirement: At least 30000 Euros or USD $50,000 |
| Validity | Must cover all Schengen countries |
| Coverage Duration | Must match your entire trip stay |
| Must Include | Emergency medical care, hospitalisation, repatriation |
Planning to Visit Germany or the Schengen Area from India?
Bajaj General Insurance provides extensive coverage for Indians visiting Germany or any Schengen country - protecting you from medical emergencies, trip cancellations, baggage loss, and travel interruptions. It's among the best travel insurance plans for Indians visiting Europe, perfect for tourists, students, business travellers, and senior citizens.
This medical insurance for Schengen travel from India ensures peace of mind and financial protection throughout your journey. Whether you need Bajaj General overseas health insurance or a short-term travel health insurance plan India to Germany, you get affordable global assistance and wide coverage.
Bajaj General Travel Insurance for Germany & Schengen Countries
Thousands of Indians travel to Germany and other Schengen nations every year for tourism, study, or business. A travel insurance policy from India to Germany Schengen safeguards you financially throughout your trip.
Travel insurance for Germany from India covers emergency medical expenses, hospitalisation, trip cancellations, baggage delays, and flight interruptions. Given Europe's high medical costs, it's mandatory and essential for visa approval.
Bajaj General Germany travel insurance offers Schengen visa-compliant coverage, COVID-19 benefits, and 24x7 worldwide assistance. With competitive pricing and online purchase options, it's among the best travel insurance for Germany from India.
Factors Influencing the Cost of Bajaj General Travel Insurance for Germany
- Age of the Traveller: Senior travellers (especially 70+) pay higher premiums due to medical risk.
- Trip Duration: Longer trips mean higher premiums and risk exposure.
- Destination Requirements: Schengen healthcare costs are high, and Bajaj General overseas health insurance is visa-mandated.
- Sum Insured (Policy Limit): Higher coverage (USD 50,000+ for Schengen) offers more protection but costs more.
- Sub-limits: Basic plans cost less but cover partially; no-sub-limit plans offer complete protection.
Key Benefits of Bajaj General Insurance for Germany (Schengen Visa)
| Benefit | Details |
|---|---|
| VFS / Schengen-visa compliant | Meets Schengen travel insurance requirements for a Germany visa application. |
| Wide age eligibility | Covers travellers from children to senior citizens (age range depends on plan). |
| High sum insured options | Coverage available in multiple levels (e.g., USD 50,000 and above depending on plan). |
| Cashless hospitalisation | Cashless treatment possible for eligible inpatient hospitalisation abroad. |
| Outpatient medical coverage | Reimbursement for OPD visits and doctor consultations as per policy terms. |
| Pre-existing illness (limited cover) | Some plans offer limited coverage for pre-existing conditions; varies by product. |
| 24x7 assistance worldwide | Global support team available for claim assistance and guidance. |
| Policy duration & extension | Coverage available up to 180 days; extensions may be possible while overseas. |
| Affordable premium | Multiple plans to choose from based on age & coverage requirement. |
| Flexible purchase options | Buy online using card/net banking/wallet; documents issued instantly. |
Travel Safe to Germany with Trusted Bajaj General Insurance
Schengen Destinations
Discover Popular Schengen Countries with Bajaj General Travel Insurance
Bajaj General Citation
Mr. Anshul Nijhawan, Head Travel Services at Bajaj General says, NRIOL and Bajaj General have been working together for quite some time now and NRIOL has successfully delivered seamless customer service by making available Bajaj General travel insurance products to its customers online.
How to Buy Bajaj General Travel Insurance for a Germany Visa?
Buying Bajaj General travel insurance for Germany and a Schengen Visa online is simple and fast:
Complete the Travel Insurance for Germany quote form online.
Provide number of travellers, age, and travel dates to compare Bajaj General plan options.
Compare the plans and select the best travel insurance plan for Germany.
Complete payment via credit/debit card, UPI, or net banking.
Your Bajaj General Insurance policy will be issued immediately and emailed to you.
lightbulb_2 Tip: Keep both digital and printed copies of your policy during your trip.
location_on Indian Embassy & Consular Contact in Germany
Indian travellers visiting Germany can reach out to the Indian Embassy in Berlin for passport services, visa-related queries, emergency support, or any other consular assistance:
- Embassy of India, Berlin
Tiergartenstraße 17, 10785 Berlin, Germany
Phone: +49-30-25795-0
- Consulate General of India, Frankfurt
Friedrich-Ebert-Anlage 26, 60325 Frankfurt am Main, Germany
- Consulate General of India, Munich
Widenmayerstraße 15, 80538 Munich, Germany
- Consulate General of India, Hamburg
Kohlhöfen 21, 20355 Hamburg, Germany
What Is Cashless Hospitalisation in Bajaj General Travel Insurance for Germany?
Cashless means that when you are hospitalised or receive medical treatment in Germany, you don't have to pay the hospital bills upfront - the insurance company settles eligible expenses directly with the hospital through its assistance network.
How Does Cashless Hospitalisation Work Under Bajaj General Travel Insurance for Germany?
lightbulb_2 How Cashless Treatment Works- Emergency occurs: You fall sick or have an accident during your trip.
- Contact the assistance team immediately: Every insurer (like Bajaj General) partners with a 24x7 assistance company. You or the hospital can call the helpline mentioned on your policy card.
- Hospital verification: The assistance team checks whether the hospital is part of the insurer's cashless network (a list of partner hospitals).
- Guarantee of Payment (GOP): If approved, the insurer sends the hospital a Guarantee of Payment confirming that they will pay the eligible expenses directly.
- Treatment proceeds without upfront payment: You receive treatment; the insurer and hospital handle billing directly.
- You pay only non-covered items: If certain expenses are excluded (like phone charges or personal comfort items), you pay those directly.
flight_takeoff Travel Tips for Indians Visiting Germany
- credit_card Carry an international debit/credit card and some local currency (EUR).
- phone_in_talk Save the Bajaj General 24x7 Assistance Number and Indian Embassy / Consulate contacts.
- local_hospital Check nearby hospitals and clinics that allow cashless treatment under your policy.
- description Keep digital and printed copies of passport, Schengen visa, and travel insurance with you.
- airport_shuttleLearn a few basic German phrases and familiarize yourself with the efficient public transport network of trains (DB), trams and the U-Bahn/S-Bahn in major cities.
- partly_cloudy_day The weather in Germany varies by season - pack layers for cool evenings, and carry warm clothing for winter travel.
flight With Bajaj General Schengen travel insurance for Germany, you can travel confidently knowing your health and trip are financially protected.
Benefits of Buying Bajaj General Travel Insurance for Indians Travelling to Germany / Schengen Countries
- Schengen Visa-Compliant Coverage
Bajaj General travel insurance meets all Germany Schengen visa insurance requirements, including mandatory medical coverage, emergency evacuation, and repatriation support. - Comprehensive Medical Protection in Germany
Healthcare in Germany can be expensive for foreign travellers. This policy provides inpatient care, outpatient treatment, surgeries, and emergency medical evacuation as per the selected plan. - COVID-19 Related Benefits
Coverage includes COVID-19 medical treatment, hospitalisation, quarantine expenses, or trip cancellation if applicable. - Accident & Repatriation Support
Financial protection for accidental death, permanent disability, and repatriation of remains with international assistance included. - Trip Cancellation & Interruption
Refunds for non-refundable bookings if your Germany trip is canceled or interrupted due to emergencies or unforeseen circumstances. - Baggage & Passport Security
Protection for lost baggage, delayed baggage, or loss of passport during your journey. - Cashless Hospital Network in Germany & Schengen
Access a wide network of cashless hospitals across Germany and other Schengen countries, subject to policy terms. - 24x7 Global Assistance
Round-the-clock support for medical emergencies, claims, or travel-related help anywhere in Germany or the Schengen region. - Affordable Plans for Every Traveller
Cost-effective policies suitable for tourists, students, business travellers, families, and senior citizens.
With Bajaj General Germany Schengen travel insurance, your trip is protected against major medical emergencies and travel risks, allowing you to explore Germany with peace of mind.
Why Choose Bajaj General for Germany Travel?
Bajaj General Germany Schengen travel insurance offers reliable, visa-compliant, and affordable coverage specifically designed for Indian travellers visiting Germany and the Schengen region.
Comprehensive Coverage
- Available for travellers aged 6 months to 99 years.
- Multiple sum-insured options to suit different travel plans.
- Covers medical emergencies, baggage loss, missed flights, and travel delays.
- COVID-19 medical treatment and evacuation coverage (as per policy terms).
- Option to extend your policy if your stay in Germany is prolonged (subject to approval).
Hassle-Free Experience
- Instant online purchase via card, UPI, or net banking.
- Easy renewal and extension options if your travel plans change.
- Cashless hospitalisation across Germany and other Schengen countries or reimbursement claims.
- 24x7 global claim support for travellers in Germany/Schengen.
Additional Highlights
- Pay premium in INR while coverage is valid in EUR/USD equivalent.
- Mandatory for Germany Schengen visa application.
- No medical tests required for most travellers and short-duration trips.
Bajaj General Germany Travel Insurance Frequently Asked Questions
If you are applying for a Germany Schengen visa, you generally need to provide proof of adequate travel insurance that meets the applicable Schengen requirements. Since standard domestic Indian health insurance may provide limited or no coverage in Germany, Indian travellers should consider suitable Bajaj General travel insurance for Germany.
The cost of Germany travel insurance varies depending on the traveller's age, trip duration, and selected plan. Generally, premiums increase with age and the length of the coverage period.
You can get a quote for Bajaj General travel insurance for Germany online by entering your travel details and completing the applicable overseas health insurance proposal form.
Travel insurance can help protect you against unexpected expenses while travelling outside India. Medical treatment in Germany and other European countries can be expensive, particularly in the event of hospitalisation or an emergency.
Depending on the selected policy, travel insurance may provide benefits for medical emergencies, hospitalisation, baggage loss, and other covered events. The premium is paid in Indian Rupees while eligible benefits may be payable in the applicable foreign currency, subject to the policy terms.
Bajaj General offers multiple international travel insurance plans for Indian travellers. The available plans provide different combinations of medical, baggage, trip-related, and other benefits. Compare the plan features, limits, exclusions, and premium before selecting coverage for your Germany trip.
Travel insurance is generally required for applicants travelling to Germany on a Schengen visa. The insurance must meet the applicable Schengen requirements, including the minimum medical coverage requirement.
Even when insurance is not mandatory for a particular travel status, having suitable travel insurance can help protect Indian travellers from potentially significant medical and other covered expenses abroad.
Travel insurance plans differ in their benefits and coverage. For a Germany Schengen visa, the policy must include the required medical coverage and meet the applicable Schengen insurance requirements. Always check the policy wording and coverage details before purchasing a plan or making a claim.
If the traveller is already outside India, they may be able to request coverage by completing the applicable Traveller Outside India form with the required details. The request is subject to review and approval by the insurer's underwriting team.
The Bajaj General Travel ACE Plan is one of the available options for Germany travel insurance from India. Starting at ₹32/day*, the plan may provide benefits such as:
- Medical cover up to $50,000 - above the €30,000 minimum required for Schengen visa insurance.
- Trip cancellation cover up to $1,000 - subject to the applicable policy terms.
- Baggage loss cover up to $500 - subject to the applicable policy terms and limits.
- Cashless hospitalisation - subject to network availability and policy conditions.
- 24x7 assistance - for eligible emergencies and assistance services.
For travellers comparing lower-cost options, the Travel Companion Plan at ₹19/day* may be considered, subject to eligibility, policy terms, and the applicable Schengen insurance requirements.
You can request renewal of your Bajaj General policy online. Enter the relevant details of your existing policy and claims information, if applicable, and submit the form online. The renewal request is subject to review and approval.
The policyholder will be informed about the approval or rejection of the renewal request. If approved, the policyholder may receive a payment link to complete the renewal online.
Yes, you may be able to request an extension of your travel insurance while abroad, subject to the policy terms and insurer approval. Complete the Bajaj General insurance policy renewal form to submit your request.
The availability of an extension, maximum coverage period, and approval conditions depend on the specific policy and circumstances. Check the applicable policy terms before requesting an extension.
Bajaj General (formerly Bajaj Allianz) Germany travel insurance plans may provide the following benefits, subject to the selected plan and policy terms:
| Coverage Type | Companion | ACE | Prime |
|---|---|---|---|
| Medical expenses (accident/illness) | $50,000 | $50,000 | $50,000 |
| Emergency medical evacuation | $50,000 | $50,000 | $50,000 |
| Pre-existing conditions (life-threatening) | $3,000 | $3,000 | $3,000 |
| Baggage loss | $250 | $500 | $500 |
| Trip cancellation | Nil | $1,000 | $500 |
| Loss of passport | Covered | Covered | Covered |
| Repatriation of remains | Covered | Covered | Covered |
All three plans provide at least $50,000 in medical coverage, which is above the €30,000 minimum medical coverage requirement for Schengen visa applications. Coverage amounts are in USD. Terms and conditions apply.
Travel insurance submitted with a Germany Schengen visa application should meet the applicable Schengen insurance requirements, including:
- Minimum medical coverage of €30,000.
- Validity for the full duration of the intended stay, including the required travel dates.
- Coverage valid throughout the Schengen Area.
- Coverage for emergency medical treatment, evacuation, and repatriation, as required.
- Issued by an insurer whose policy meets the applicable visa requirements.
Bajaj General's Companion, ACE, and Prime plans can meet these requirements when the selected policy provides the required coverage and validity. Always verify the current visa requirements and policy certificate details before submitting your application.
General Information About Germany
Central Europe
Berlin
Euro (EUR)
May to September
~84.5 million
German
Berlin, Munich, Cologne, Hamburg, Rhine Valley, Bamberg, Potsdam, Neuschwanstein Castle, Black Forest, Dresden, Heidelberg.
What Are the Popular Tourist Destinations in Germany?
Germany is a popular European destination known for its fairy-tale castles, historic old towns, world-class museums and scenic river valleys. From the galleries of Berlin to the vineyard-lined banks of the Rhine, there are many places to visit in Germany during your holiday. If you are travelling from India, consider getting travel insurance for Germany to help protect your trip against eligible medical emergencies and other covered travel risks.
Bamberg Old Town
A UNESCO World Heritage Site in Bavaria, Bamberg's Old Town is known for its well-preserved medieval architecture, half-timbered houses, the Old Town Hall perched on a bridge, and its long tradition of smoked beer breweries.
Rhine Valley
The Upper Middle Rhine Valley is dotted with hilltop castles, terraced vineyards and picturesque riverside towns. A scenic boat cruise or drive along the river is one of the most popular ways to experience it.
Museum Island
Located in the heart of Berlin, Museum Island is a UNESCO World Heritage Site housing five major museums, including the Pergamon Museum and the Neues Museum, showcasing art and antiquities spanning thousands of years.
Sanssouci Park and Palace
Located in Potsdam near Berlin, Sanssouci is a UNESCO-listed Rococo palace built as the summer residence of Frederick the Great, set within sprawling terraced gardens, fountains and historic pavilions.
What Is the Most Common Reason for Schengen Visa Refusal?
The most frequent reason for Schengen visa refusal for Indian applicants is insufficient proof of funds or weak financial documentation. Other common reasons include:
- Incomplete or inconsistent documents - missing bank statements, itinerary gaps, or mismatched dates.
- Lack of valid travel insurance - submitting a policy that does not meet the mandatory €30,000 minimum medical cover for Schengen travel, or one not accepted by the Germany Embassy.
- Insufficient ties to India - inability to demonstrate you will return home (no property, employment letter, or family ties).
- Previous visa violations - overstaying a prior Schengen visa.
Submitting a Bajaj General Germany Schengen visa travel insurance certificate is one of the easiest requirements to fulfil. The policy certificate is issued instantly and provides coverage that meets the applicable Schengen visa insurance requirements.
Does India Have a High Schengen Visa Refusal Rate?
India's overall Schengen visa refusal rate is relatively moderate compared with those of some other nationalities, but refusals do occur most often due to documentation gaps. The best way to strengthen your application is to submit complete, accurate documents, including a valid Schengen travel insurance certificate for Germany with the required coverage. Bajaj General's policy certificate is issued instantly and is directly accepted at VFS application centres.