Travel Insurance for Germany from India
Healthcare costs in Germany can be high for international travellers, so travel insurance for Germany is mandatory for Schengen visa applicants. Plans start from ₹29/day with up to USD 1 million medical coverage, cashless hospitalisation, and optional pre-existing condition cover. Buy online in minutes with no medical tests or paperwork.
Get Your Germany Travel Insurance Quote
Skyline, Germany
Designed for Indians Travelling to Germany
- checkCashless Treatment at Eligible Network Hospitals in Germany
- check24×7 emergency assistance
- checkBuy Online - Easy & Convenient
- checkEligible Emergency Cover for Certain Pre-Existing Conditions (Terms and conditions apply)
Which Travel Insurance Is Best for Germany?
Even a short hospital stay can cost far more than the price of your holiday. Choosing Germany travel insurance with cashless hospitalisation helps protect you from unexpected medical expenses abroad.
What Does the Best Travel Insurance from India to Germany Cover?
Travel medical insurance is mandatory for Indian travellers applying for a Schengen visa to visit Germany. A suitable Germany travel insurance policy can help cover eligible emergency medical treatment, hospitalisation, medical evacuation or repatriation, and other unexpected expenses during your trip. For a Schengen visa, the insurance must generally provide coverage throughout the Schengen Area and for the entire duration of your stay, with a minimum coverage of EUR 30,000.
Note: German Missions in India require Schengen travel medical insurance to cover emergency medical treatment, hospitalisation, and repatriation, including in the event of death. Indian applicants should also ensure that their insurance is issued by an approved Indian travel insurance company and meets the latest Schengen visa requirements.
Emergency Medical Treatment
Germany travel insurance can help cover eligible emergency medical treatment, hospitalisation, ambulance services, and other covered medical expenses during your trip, subject to the policy terms and conditions.
Trip Cancellation & Interruption
Unexpected covered events can disrupt your travel plans. Depending on the policy, eligible non-refundable flight, hotel, and other prepaid expenses may be covered if your trip is cancelled or interrupted for a covered reason.
Baggage Delay or Loss
Delayed, lost, or damaged baggage can disrupt your Germany trip. Eligible benefits may provide reimbursement for essential purchases and covered baggage loss or delay, subject to policy limits and conditions.
Passport & Document Loss
Losing your passport or important travel documents abroad can be stressful. Depending on the policy, you may receive eligible financial assistance and support for obtaining replacement documents.
Germany Travel Insurance: Key Facts for Indian Travellers
Planning a trip to Germany? Here's a quick overview of Schengen visa requirements, travel insurance, medical coverage, and other important travel considerations for Indian travellers.
| Travel Information | Details |
|---|---|
| Do Indians Need a Visa for Germany? | Yes, in most cases. Indian passport holders generally need a valid Schengen visa for short-term tourism and other eligible visits to Germany, subject to the latest German and Schengen entry requirements. |
| Is Travel Insurance Mandatory for Germany? | Yes, for Schengen visa applicants. Applicants must generally have travel medical insurance that meets Schengen visa requirements, including coverage throughout the Schengen Area for the entire duration of their stay. |
| Minimum Travel Insurance Coverage Required | €30,000 minimum. Schengen-compliant travel medical insurance must generally cover at least €30,000 for emergency medical treatment, hospitalisation, and repatriation, including in the event of death. |
| Where Must the Insurance Provide Coverage? | Throughout the Schengen Area. The policy should be valid across all Schengen countries and cover the entire period of the applicant's intended stay. |
| Recommended Medical Cover | €50,000 or higher can provide additional financial protection beyond the minimum Schengen visa requirement, particularly for senior citizens, families, and longer trips. |
| Germany Travel Insurance Cost | Plans can start from ₹29/day, depending on your age, trip duration, destination, sum insured, and optional benefits selected. |
| Who Should Buy Germany Travel Insurance? | Essential for Indian travellers applying for a Schengen visa, including tourists, families, senior citizens, business travellers, students, and other eligible visitors travelling to Germany. |
Who Should Buy Germany Travel Insurance from India?
Indian Tourists
Germany Travel Insurance is ideal for Indian tourists visiting Germany for holidays, family vacations, and sightseeing.
- check_circle Emergency medical coverage
- check_circle Trip delay & baggage protection
- check_circle Personal accident benefits
Senior Citizens
Travel Insurance for Germany is recommended for senior citizens who need enhanced medical protection while travelling abroad.
- check_circle Higher medical coverage limits
- check_circle Coverage for eligible pre-existing conditions
- check_circle 24/7 travel assistance support
Travellers with Pre-Existing Conditions
Travel Insurance for Germany offers travellers with eligible pre-existing medical conditions (T&C apply).
- check_circle Coverage for eligible pre-existing conditions
- check_circle Emergency medical assistance
- check_circle Flexible coverage options
Students
Germany Travel Insurance is suitable for Indian students travelling to Germany for higher education and long-term study programmes.
- check_circle Medical & hospitalisation coverage
- check_circle Study interruption benefits
- check_circle Sponsor and tuition fee protection
Travelling to Germany With Diabetes, High Blood Pressure or Other Pre-existing Conditions
If you have diabetes, high blood pressure, asthma, or another pre-existing medical condition, you may still be able to buy Germany travel insurance. However, having travel insurance does not automatically mean your existing medical condition is covered. Coverage depends on the insurer, plan and policy terms.
For Indian senior travellers: If you are travelling to Germany with diabetes, high blood pressure or another pre-existing medical condition, check the pre-existing condition wording, exclusions, sub-limits and eligibility requirements before buying.
Is Travel Insurance Worth It for a Short Germany Trip?
Yes. Travel insurance is important even for a short trip to Germany, particularly for Indian travellers applying for a Schengen visa, as compliant travel medical insurance is generally required. A suitable policy can help cover eligible emergency medical treatment, hospitalisation, repatriation, baggage loss or delay, trip cancellation, and other unexpected travel expenses. The right coverage depends on your trip duration, age, planned activities, coverage limits, and policy terms.
How Much Does Travel Insurance for Germany Cost from India in 2026?
Germany travel insurance from India starts at ₹29/day and can cost up to ₹64/day, depending on the traveller’s age, trip duration, plan, and medical coverage selected.
SILVER
₹29/day*
$50,000 cover- check_circle Pre-existing Conditions up to $2,500
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
SILVER PLUS
₹35/day*
$1 lakh cover- check_circle Pre-existing Conditions up to $5,000
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
GOLD
₹38/day*
$2.5 lakh cover- check_circle Pre-existing Conditions up to $10,000
- check_circle Baggage loss $300
- check_circle Trip cancellation $750
PLATINUM
₹48/day*
$5 lakh cover- check_circle Pre-existing Conditions up to $12,500
- check_circle Baggage loss $300
- check_circle Trip cancellation $1,000
TITANIUM
₹53/day*
$7.5 lakh cover- check_circle Pre-existing Conditions up to $15,000
- check_circle Baggage loss $400
- check_circle Trip cancellation $1,000
TITANIUM PLUS
₹64/day*
$10 lakh cover- check_circle Pre-existing Conditions up to $20,000
- check_circle Baggage loss $500
- check_circle Trip cancellation $1,500
*Price shown is for a 60-day trip to Germany for an adult aged 25. Get an instant quote for your exact trip.
Which Is the Cheapest Travel Insurance for Germany?
The Silver Plan is the cheapest Germany travel insurance option, starting at ₹29/day for a 25-year-old Indian traveller on a 60-day trip, with USD 50,000 medical coverage. Best for budget-conscious travellers.
Which Is the Best Travel Insurance for Germany from India
The Silver Plus Plan is a suitable choice for most Indian travellers, starting at ₹35/day for a 25-year-old on a 60-day trip, with USD 100,000 medical coverage and higher protection. Best for travellers seeking a balance of price and coverage.
Why travel insurance for Indians visiting Germany is important
Why Even a Short Hospital Visit in Germany Can Be Expensive?
Germany has a high-quality healthcare system, but medical treatment can be expensive for international visitors. Indian travellers may need to pay for medical consultations, diagnostic tests, emergency treatment, hospitalisation, or other healthcare services if they do not have appropriate travel medical insurance. Even a routine consultation or unexpected medical treatment can result in significant expenses.
These costs can increase considerably if you need specialist treatment, surgery, hospitalisation, ambulance services, or emergency medical care. An unexpected illness or injury during your trip can therefore result in substantial out-of-pocket expenses without suitable insurance coverage.
Germany Travel Insurance for Indians can help provide financial protection against eligible medical expenses. Depending on the policy, emergency medical treatment, hospitalisation, ambulance services, and repatriation may be covered, subject to the policy terms, exclusions, and coverage limits. For Schengen visa applicants, the policy must also meet the applicable Schengen travel medical insurance requirements.
Travel Insurance for Germany from India
Choose a suitable travel insurance policy based on your trip purpose, duration, age, planned activities, and required coverage. If you are applying for a Schengen visa, make sure the policy meets the applicable Schengen insurance requirements.
| Travel purpose | Best for | Key coverage to consider |
|---|---|---|
| Tourist / Leisure | Indian tourists visiting Germany | Emergency medical treatment, hospitalisation, repatriation, baggage loss or delay, trip delays, and personal accident |
| Business Travel | Indian professionals travelling to Germany for business | Medical emergencies, hospitalisation, repatriation, trip interruption, baggage, and personal liability |
| Student Travel | Indian students travelling to Germany for education | Medical expenses, hospitalisation, personal accident, repatriation, and student-specific benefits where available |
| Family / Long-Stay Visit | Travellers visiting family or staying in Germany for an extended period | Medical expenses, hospitalisation, repatriation, emergency assistance, and pre-existing conditions where specifically covered |
Note: Insurance requirements and available benefits can vary depending on your visa category, trip duration, insurer, and policy. For Schengen visa applications, check that the policy meets the applicable minimum coverage, geographical validity, and duration requirements before purchasing.
How to File a Travel Insurance Claim While in Germany?
Follow these steps or check our travel insurance claim process guide for complete details.
If your condition allows, contact the 24/7 emergency assistance number shown on your policy before seeking treatment. Depending on the insurer and policy, cashless treatment may be available at an eligible network hospital.
Keep all original documents, including hospital bills, pharmacy receipts and doctor's notes, as they may be required for reimbursement.
Get a written medical report from the treating doctor describing diagnosis and treatment given.
For lost baggage or a lost passport, Report lost baggage or passport to the airline, police or relevant authority as soon as possible and keep a copy of the report. Follow the reporting deadline specified in your policy.
Submit your claim online or by email as soon as you can, with all documents attached.
Quick Germany Travel Guide for Indians
Quick facts to help Indian travellers prepare for their Germany trip.
| What to know | Details | |
|---|---|---|
| language | Visa Requirements | Indian passport holders generally need a Schengen visa for short-term visits to Germany |
| fact_check | Travel Insurance | Schengen visa applicants generally need travel medical insurance with at least €30,000 coverage |
| calendar_month | Best Time to Visit | May to September for generally milder weather and longer daylight hours |
| payments | Currency | Euro (EUR / €) |
| translate | Language | German is the official language; English is widely understood in major tourist areas |
| location_city | Popular Places | Berlin, Munich, Frankfurt, Hamburg, Cologne, Heidelberg and the Bavarian Alps |
| flag | Indian Embassy / Consulates | Indian diplomatic missions in Germany can provide consular assistance to Indian citizens |
Popular Germany Destinations and Travel Insurance Coverage
Whether you're visiting Berlin, Munich, Frankfurt, or Cologne, Germany travel insurance can help protect you against eligible medical expenses, trip delays, baggage loss, and other covered travel risks throughout your journey.
| Destination | Why Indians Visit | Why Travel Insurance Matters |
|---|---|---|
| Berlin | Brandenburg Gate, museums, historic landmarks and cultural attractions | Emergency medical treatment, baggage protection, trip delays and travel assistance. |
| Munich | Marienplatz, museums, Bavarian culture and nearby attractions | Medical emergencies, baggage loss, trip interruption and travel assistance. |
| Frankfurt | Business travel, city sightseeing, museums and historic attractions | Emergency medical assistance, trip delays, baggage protection and personal liability where covered. |
| Cologne | Cologne Cathedral, museums, Rhine River and cultural attractions | Medical emergencies, baggage loss and eligible trip-related expenses. |
| Hamburg | Harbour, Speicherstadt, museums and waterfront attractions | Emergency medical treatment, baggage protection and travel assistance. |
| Heidelberg | Historic old town, Heidelberg Castle and scenic surroundings | Medical emergencies, trip delays and eligible travel-related assistance. |
| Bavarian Alps | Mountain scenery, castles, hiking and outdoor activities | Emergency medical assistance and appropriate activity or adventure-sports coverage where available. |
Planning a Multi-Country Schengen Trip?
If your itinerary includes Germany, France, Italy, Switzerland, Austria, or other Schengen countries, choose a travel insurance plan that provides valid coverage throughout the Schengen Area for the entire duration of your trip. Compare our Schengen travel insurance plans → for multi-country coverage.
Indian Embassy and Consulates in Germany - Contact Details for Indian Travellers
If you lose your passport, need consular assistance, or face an emergency during your trip, you can contact an Indian diplomatic mission in Germany. Keep the relevant embassy or consulate contact details handy before travelling to Germany.
Indian Embassy in Berlin
Berlin, Germany
Consular AssistanceThe Embassy of India in Berlin provides consular services and assistance to Indian citizens in Germany, including support related to passports and other consular matters.
Emergency AssistanceFor current emergency contact numbers, office hours, and consular services, check the official Embassy of India in Germany website before contacting the mission.
Embassy and consulate contact details, emergency numbers, and office timings may change. Always verify the latest information on the official Indian diplomatic mission website before travelling.
International Airports in Germany
Germany is served by several major international airports, including Frankfurt Airport (FRA), Munich Airport (MUC), and Berlin Brandenburg Airport (BER). Frankfurt Airport is Germany's largest airport and one of Europe's major international aviation hubs, offering extensive connections to destinations across Germany, Europe, and the rest of the world.
| International Airport | Location | Key Information for Indian Travellers |
|---|---|---|
| Frankfurt Airport (FRA) | Frankfurt am Main, Hesse | One of Germany's largest international aviation hubs, with extensive connections to destinations across Europe and worldwide. It is particularly convenient for travellers visiting Frankfurt and central or western Germany. |
| Munich Airport (MUC) | Munich, Bavaria | A major international gateway for southern Germany and a convenient arrival point for travellers visiting Munich, Bavaria and nearby Alpine destinations. |
| Berlin Brandenburg Airport (BER) | Berlin, Brandenburg | The main international airport serving Berlin, providing convenient access to the German capital and its major historical and cultural attractions. |
Tip: If your itinerary includes Germany along with France, Italy, Switzerland, Austria, or other Schengen countries, check that your travel insurance policy provides valid coverage throughout the Schengen Area for the entire duration of your trip.
Travelling as a Family? Individual vs. Family Travel Insurance
Choosing the right type of travel insurance can help manage medical and travel-related risks when visiting Germany with family.
Individual Travel Insurance
Individual travel insurance provides coverage for an individual traveller. It can be suitable for solo travellers, senior citizens, business travellers or anyone looking for coverage based on their own travel requirements.
Explore Individual Travel Insurance Plans →Family Travel Insurance
Family travel insurance can provide coverage for eligible family members travelling together under one plan. It can be a convenient option for families visiting Germany, subject to the selected policy terms.
Explore Family Travel Insurance Plans →Studying in Germany? Germany student travel insurance plans differ from regular tourist travel insurance plans.
Student policies typically add sponsor protection (reimbursing tuition if a sponsor passes away or is permanently disabled), study interruption cover, longer policy durations matching an academic term, and optional maternity or dependent cover. Check your university or the German consulate’s minimum insurance requirement before choosing a plan.
Explore Student Travel Insurance Plans →Know before you buy
What Is Not Covered Under Germany Travel Insurance?
Understanding policy exclusions can help you avoid unexpected claim issues. While exclusions vary by insurer and plan, Germany travel insurance policies may generally exclude:
- Pre-existing medical conditions - medical expenses related to pre-existing conditions may not be covered unless specifically included under the policy.
- Travelling for medical treatment - treatment or procedures that are the reason for travelling to Germany are generally not covered unless specifically provided for under the policy.
- Travelling against medical advice - claims may be excluded if you travel against your doctor's advice or while awaiting planned medical treatment, subject to the policy wording.
- Self-inflicted injury or alcohol- and drug-related incidents - claims arising from intentional self-harm or incidents caused by alcohol or drugs may be excluded, subject to the policy terms and applicable exclusions.
- Unattended or negligently handled belongings - baggage or personal belongings left unattended or not reasonably protected may not be covered.
- War, civil unrest or other excluded events - losses arising from war, riots, civil disturbances, or other specifically excluded events may not be covered.
- Excluded adventure or sports activities - injuries arising from certain adventure sports or hazardous activities may not be covered unless the activity is specifically included or an appropriate add-on has been purchased.
Always read the policy wording carefully before buying. Exclusions, conditions, coverage limits, geographical coverage, and claim requirements vary between insurers and plans.
FAQs - Germany Travel Insurance
Where Can I Buy Travel Insurance Online for Germany?
Indian travellers can compare and buy Germany travel insurance online before departing from India. Compare available plans, select the required coverage and complete the purchase online. You can also get travel insurance Germany online with coverage options based on your age, trip duration and medical protection requirements.
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