IndusInd Travel Insurance for Germany from India
IndusInd travel insurance to Germany from India in 2026 provides Indian travellers with Schengen-compliant travel medical coverage, including at least €30,000 in emergency medical coverage for eligible Germany trips. Plans start at ₹23/day*. Compare plans, coverage and premiums online before applying for your Germany Schengen visa.
Germany Travel Insurance Cost Calculator - Now at 0% GST
IndusInd Travel Insurance for Germany from India
Are you looking for Schengen visa insurance to Germany? Germany travel insurance for Indians provides medical and travel protection during your trip while helping meet Germany Schengen visa insurance requirements. IndusInd Travel Insurance for Germany from India offers plans with medical coverage starting at €30,000.
Do I Need Travel Insurance to Germany?
Yes. Travel insurance is mandatory for Indian citizens applying for a Germany Schengen visa. You must show proof of a policy that covers emergency medical treatment, hospitalization, and repatriation throughout the Schengen Area.
How Much Does IndusInd Germany Travel Insurance Cost in 2026?
IndusInd Germany Travel Insurance Cost starts at ₹23 per day*, with coverage of €30,000 to €50,000. Plans can include emergency medical treatment, evacuation, baggage loss, trip cancellation, and other travel benefits.
| Feature | Basic Plan | Standard Plan |
|---|---|---|
| Medical Cover | €30,000 | €50,000 |
| Pre-existing (under life-threatening conditions) | Up to policy maximum | Up to policy maximum |
| Baggage Loss | Nil | €500 |
| Starting Premium |
₹23/day* |
₹25/day* |
*Price shown is for a 60-day trip to Germany for an adult aged 25. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
What Is the Cheapest Travel Insurance for a Germany Schengen Visa?
The IndusInd Basic Plan is the cheapest Germany Schengen visa travel insurance, starting from ₹23/day* and providing €30,000 in medical coverage, the minimum required for a Germany Schengen visa.
Key Benefits of the IndusInd Basic Plan
- check_circle Emergency hospitalization up to €30,000
- check_circle Medical evacuation & repatriation
- check_circle Dental emergency treatment
- check_circle Fully Schengen visa compliant
Ideal for budget travellers who only need mandatory visa coverage.
Which Is the Best Travel Insurance to Germany Schengen Visa?
The IndusInd Standard Plan is a best travel insurance for Germany Schengen visa, offering €50,000 in medical coverage and additional travel protection, with premiums starting at ₹25/day*.
Key Benefits of the IndusInd Standard Plan
- check_circle Medical coverage up to €50,000
- check_circle Baggage loss & delay coverage
- check_circle Passport loss assistance
- check_circle Higher accident & medical benefits
Best for travellers seeking stronger protection beyond basic visa needs.
What Factors Influence the Cost of IndusInd Travel Insurance to Germany?
Your IndusInd travel insurance Germany from India premium depends on:
- Age of the traveller
- Total duration of stay in Germany
- Type of plan selected (individual, family, senior, student, etc.)
- Coverage amount and optional add-ons
IndusInd offers affordable Germany travel insurance starting from ₹23/day*. Before purchasing, it is recommended to compare IndusInd travel insurance for Germany based on price, coverage limits, and benefits. With IndusInd, you can easily compare different Germany travel insurance plans online to find the best policy that fits your trip requirements and budget.
Do I Need to Apply for a Germany Visa?
Indian nationals must apply for a Germany Schengen visa before traveling to Germany. The visa allows travel within the Schengen region for up to 90 days within a 180-day period. Applicants must also provide Schengen visa travel medical insurance that meets the visa requirements, including the €30,000 minimum for medical coverage. A Schengen-approved IndusInd travel insurance policy can be included with your visa application.
How Do I Choose the Right Germany Schengen Visa Insurance?
IndusInd offers multiple travel insurance plans that meet all Schengen visa requirements. You can buy Germany travel insurance online and receive the policy documents and Schengen visa certificate electronically.
IndusInd German Schengen Visa Travel Insurance - Plan Comparison
| Coverage / Benefit | Basic Plan | Standard Plan | Notes |
|---|---|---|---|
| Minimum Medical Cover | €30,000 | €50,000 | Meets Schengen visa requirement (Minimum €30,000) |
| Emergency Medical Evacuation & Repatriation | Included | Included | Mandatory for Schengen visa approval |
| Emergency Dental Treatment | €500 | €500 | Emergency cases only |
| Loss of Passport | Not Covered | €300 | Covers cost of re-issuance |
| Total Loss of Checked Baggage | Not Covered | €500 | Compensation for airline-confirmed loss |
| Delay of Checked Baggage | Not Covered | €100 (after 12 hours) | For emergency purchases |
| Personal Accident Cover | €10,000 | €15,000 | Higher coverage in Standard plan |
| Common Carrier Accidental Death | Not Covered | €2,500 | Applicable during flight/train travel |
| Personal Liability | Not Covered | €50,000 | Third-party legal liability abroad |
| Compassionate Visit | Not Covered | Return fare for one companion | If hospitalization exceeds specified days |
| Schengen Visa Acceptance | ✔ Yes | ✔ Yes | Valid for Spain & all Schengen countries |
Why Choose IndusInd Travel Insurance to Germany?
Schengen Visa-Approved Plans
Embassy-approved insurance accepted for Germany Schengen visa applications.
Instant Policy & Certificate
Get your travel insurance policy and visa certificate instantly after purchase.
Cashless Medical Coverage
Access cashless treatment at network hospitals across Germany and Schengen countries.
24x7 Multilingual Assistance
Global emergency support for medical, travel, and assistance needs anytime.
What Are the Germany Travel Insurance Requirements?
IndusInd Germany Schengen Visa Insurance provides Schengen visa travel medical insurance that meets the mandatory requirements for a Germany Schengen visa. The policy must satisfy the €30,000 minimum and include the following:
- Minimum medical coverage of €30,000 / $50,000
- Emergency medical care, accidents & repatriation included
- Valid across all 29 Schengen countries
- Coverage for the entire trip duration
✔ Accepted by Germany Consulates & VFS Global in India
What Is Covered and Not Covered in Germany Schengen Travel Insurance?
verified What Your Travel Insurance Protects
- Medical emergencies & sudden illness
- Hospitalization and treatment expenses
- Emergency dental care
- Medical evacuation & repatriation
- Personal accident coverage
- Baggage & passport loss (IndusInd Standard Plan)
block What Your Policy Does Not Cover
- Pre-existing conditions unless declared
- Self-inflicted injuries or negligence
- Adventure or extreme sports (unless added)
- Claims without valid supporting documents
Travel Insurance to Germany - Apply Online
Buy embassy-approved travel insurance in minutes for your Germany Schengen visa application. Get a policy that meets VFS Global travel insurance requirements and receive your policy and certificate instantly by email.
Travel Safe to Germany - with IndusInd Schengen Travel Insurance
Ensure a safe trip to Germany with IndusInd Travel Insurance, offering cashless medical cover, baggage protection, and Schengen visa-compliant benefits.
Schengen Destinations
Discover Popular Schengen Destinations with IndusInd Travel Insurance
IndusInd Citation
Mr. Arvind Naaz, Chief Marketing Officer - RGICL (IndusInd General Insurance Co. Ltd) says NRIOL being a key partner has helped provide a quick, convenient & efficient service through portal to IndusInd General Insurance customers.
How to Buy IndusInd Germany Travel Insurance for Schengen Visa?
Buying IndusInd travel insurance for Germany and Schengen Visa online is simple and fast.
language Step 1: Complete the IndusInd Schengen Visa Insurance Quote Form
Complete the Travel Insurance for Germany quote form online.
edit_note Step 2: Enter Traveller Details
Provide the number of travellers, age, and travel dates to compare IndusInd plan options.
tune Step 3: Select the Best Germany Visa Travel Insurance Plan
Compare the plans and select the best travel insurance plan for Germany.
payment Step 4: Pay Securely Online
Complete payment via credit/debit card, UPI, or net banking.
verified_user Step 5: Get Your Policy and Schengen Visa Letter Instantly
Your IndusInd Insurance policy will be issued immediately and emailed to you.
How to Extend or Renew Your IndusInd Germany Travel Insurance While Abroad?
Indian travellers who want to extend or renew IndusInd travel insurance can complete the IndusInd international travel insurance renewal request form online and we will try to get an approval for you.
The following documents are required for extending/renewing the policy:
- Filled & signed Good health declaration
- Passport (first and last page & stamp page of the departure)
- Air ticket copy of onward journey (traveled from India to overseas)
How Do I Apply for a Germany Schengen Visa?
When choosing travel insurance for a Germany visa, make sure the policy provides at least €30,000 in medical coverage, is valid throughout the Schengen Area, and covers the entire duration of your trip.
Tourist, student, business, or transit.
Schedule with VFS Global or the Germany Consulate.
Complete the form and gather required documents.
Purchase IndusInd travel insurance approved by VFS Global.
Attend the appointment and submit your application.
What Are the Different Types of Germany Visas?
| Visa Type | Description | Duration / Notes | Subtypes (if any) |
|---|---|---|---|
| Schengen Visa (Type C) | Short-term visa allowing travel and stay in Germany and other Schengen countries. | Up to 90 days within a 180-day period | Single entry, Double entry, Multiple entry |
| National Visa (Type D) | Long-stay visa for residence in Germany beyond 90 days, issued under national laws. | More than 90 days; includes study, work, and residence permits | Not applicable |
| Airport Transit Visa (Type A) | Permits transit through the international airport area in Germany without entering the country. | Required for certain nationalities transiting to a non-Schengen destination | Not applicable |
| Transit Visa (Type B) | Allows short transit through Germany while traveling to a non-Schengen country. | Valid for up to 5 days | Not applicable |
What Are the Documents Required for a Germany Visa?
- Valid Indian passport (minimum 6 months validity)
- Completed and signed Schengen visa application form
- Passport-sized photos as per Schengen guidelines
- Cover letter explaining reason for travel
- Confirmed flight booking and hotel accommodation proof
- Travel insurance certificate (IndusInd Schengen-compliant policy)
- Proof of financial stability (bank statements, income proof)
Common Travel Insurance Mistakes to Avoid to Germany
- Buying a plan that is not valid in all Schengen countries
- Choosing coverage of less than €30,000
- Entering incorrect travel dates
- Failing to print the insurance certificate for your visa application
IndusInd travel insurance is designed to meet Schengen visa requirements and helps you avoid delays or rejection during your Germany visa application.
Illustrative Scenarios Covered by Germany Schengen Visa Insurance
| Scenario | What Could Happen in Germany? | How Travel Insurance Helps |
|---|---|---|
| Sudden Illness or Medical Emergency | Fever, food poisoning, or sudden illness while sightseeing in Germany. | Covers hospital visits, doctor consultations, medicines, and diagnostic tests as per Schengen limits. |
| Emergency Evacuation | Road accident or serious injury requiring transfer to a better medical facility. | Pays for emergency air or ground ambulance transportation and medical evacuation. |
| Trip Interruption | You need to return home early due to a family medical emergency. | May reimburse unused trip expenses and interruption costs. |
| Emergency Dental Care | Sudden tooth pain or oral injury during your Germany stay. | Covers acute dental treatment up to the specified benefit limit. |
| Baggage Loss or Delay | Checked luggage is delayed or lost at the airport. | Provides compensation for lost baggage and essentials during delays. |
| Lost Passport | Passport is lost or stolen while traveling in Germany. | Reimburses costs related to passport replacement and documentation. |
| Compassionate Visit or Return | Serious illness or death of an immediate family member back home. | Covers return airfare or travel for a family member, subject to plan terms. |
| Personal Liability | Accidental damage to hotel property or injury to a third person. | Covers legal liability claims and related expenses. |
How Do I Get My Travel Insurance Certificate?
After purchasing IndusInd Germany travel insurance:
- Your Schengen visa certificate (PDF) is generated instantly
- You will receive it by email immediately
- Print and attach it to your Germany visa application
What Is Cashless Hospitalization in IndusInd Travel Insurance for Germany?
Cashless hospitalization means that if you need medical treatment or are admitted to a hospital in Germany, you do not have to make upfront payments. IndusInd General Insurance directly settles the eligible medical expenses with the hospital through its international assistance partners.
How to Get Cashless Treatment in Germany with IndusInd Travel Insurance?
How Cashless Treatment Works
- Medical emergency occurs: You fall ill or meet with an accident during your trip in Germany.
- Contact the assistance provider immediately: IndusInd has a 24x7 global emergency assistance helpline. You or the hospital must call the number mentioned in your policy document.
- Hospital verification: The assistance team verifies whether the hospital is part of IndusInd's global cashless network.
- Guarantee of Payment (GOP): After confirmation, the assistance provider issues a Guarantee of Payment to the hospital stating that IndusInd will settle eligible medical charges directly.
- Cashless treatment begins: You receive treatment without paying medical bills upfront. The hospital and insurer coordinate billing.
- You pay only non-covered items: Any excluded expenses - such as personal items or non-medical charges - must be settled directly by you.
Travel Insurance for Germany Work Permit from India
Indian professionals moving to Germany on a Germany work visa must secure Germany work visa travel insurance that meets the visa requirements and remains valid for the required duration of their stay. The policy should offer at least €30,000 in medical coverage, valid across the Schengen region, and include protection for hospitalization, medical emergencies, repatriation, and other unforeseen events that may arise while living and working abroad.
Choosing travel medical insurance for a Germany work permit early helps avoid delays during the visa application process and ensures appropriate medical coverage from the day you arrive in Germany for the duration required by your visa or residence permit.
Can I Get a Refund on My Travel Insurance if My Germany Visa Is Rejected?
Yes. If your Germany visa is rejected, you can submit the visa rejection letter to the travel insurance company. They will cancel the policy and process a full refund of the premium you paid.
IndusInd Travel Insurance for Germany from India - FAQs
You can claim travel insurance by the following ways:
Planned hospitalization:
- Call the relevant number specified in the policy and intimate the company or assistance service provider about the planned hospitalization.
- The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
- On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
- If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder has planned to take the treatment.
- This claim will be cashless after deductible as per policy terms and conditions.
Emergency hospitalization:
- Call the relevant number specified in the policy and intimate the company or assistance service provider as early as possible.
- The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
- On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
- If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder is taking treatment.
- This claim will be cashless after deductible as per policy terms and conditions.
Reimbursement Claim:
- Call the relevant number specified in the policy and intimate the company or assistance service provider either before visiting the doctor or immediately after visiting the doctor.
- Pay from your pocket and claim for reimbursement later.
- Register your claim.
- As per the guidance of the claims department, submit all the relevant documents and medical bills to the specified address.
- Verification and authentication of the submitted bills.
- If your claim is approved, after deductible the eligible claim amount equivalent in Indian currency is reimbursed to the policy holder.
To claim your IndusInd travel insurance, follow the required claim procedure and submit the necessary documents within the specified timeframe. Learn more about the IndusInd travel insurance claims procedure.
Some of the general exclusions of IndusInd overseas health insurance which are not covered are as below:
- Any claims before the insurance start date and after the insurance end date are not payable.
- Any pre-existing condition unless it is life-saving emergency condition.
- Traveling abroad only to take medical treatment or traveling against the advice of the physician.
- Policy holder taking part in a naval, military or air force operation.
- Any claim caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
- Any claim arising out of mental disorder, anxiety, stress, depression, HIV / AIDS
- Any claim arising out of sporting activities.
- Any act of terrorism, war and more.
Germany - General Information
Central Europe
Berlin
Euro
May to September
84.3 million
German
Dresden, Berlin, Cologne, Hamburg, Munich, Frankfurt, Bavaria, Stuttgart, Lake Constance, Dusseldorf
Which Are the Popular Tourist Destinations in Germany?
Rugen Cliffs
The Rügen Cliffs are located in the Jasmund National Park in the northeast of Rügen island. Facing constant erosion the chalk cliffs tower high above the Baltic Sea.
Hohenzollern Castle
The neo-Gothic Hohenzollern Castle is perched on a bluff overlooking two small towns at the foothills of the Swabian Alps. Constructed in the 19th century.
Cologne Cathedral
Easily the greatest Gothic cathedral in Germany, Cologne Cathedral (Kölner Dom) has been Cologne’s most famous landmark for centuries.
Berchtesgaden
Berchtesgaden played a significant role in the shaping of German history. Known throughout history for its salt mines, Berchtesgaden is now better known for being the summer retreat of Adolf Hitler.
Travel Insurance for Berlin from India
- Are you planning a trip from India to Berlin? IndusInd Travel Insurance can help protect you from medical emergencies and travel-related costs while you are in Berlin.
- If you need a Germany Schengen visa your travel insurance must offer at least €30,000 in medical coverage. This coverage should include emergency treatment and repatriation. Depending on the plan you choose you may also get benefits, for lost baggage, delayed baggage lost passport and personal liability.
location_on Indian Embassy & Consulate in Germany
Official contact details for Indian citizens traveling or residing in Germany, for use in case of emergencies such as loss of passport, medical assistance, or legal help:
- Embassy: Embassy of India, Germany
- Address:Tiergartenstrasse 17, 10785 Berlin, Germany
- Phone: +49 30 2579 5303.
- Services: Visa, passport, OCI & citizen assistance
Major Airports & Travel Routes from India to Germany
Key departure airports, arrival hubs, flight routes, and Schengen travel insurance tips for India → Germany trips
Main Departure Airports in India
- New Delhi (DEL) - India’s busiest international airport with direct and connecting flights to Germany
- Mumbai (BOM) - Major hub for one-stop Europe connections
- Bengaluru (BLR) & Hyderabad (HYD) - Popular for Europe-bound routes
- Chennai (MAA) & Kolkata (CCU) - Convenient one-stop options
Popular Arrival Airports in Germany
- Frankfurt Airport (FRA) - Germany’s largest international airport
- Munich Airport (MUC) - Major European connection hub
- Berlin Brandenburg Airport (BER) - Popular one-stop arrival airport
- Hamburg (HAM) and Düsseldorf (DUS) - Accessed via European carriers
Common One-Stop Flight Routes (India → Germany)
- Doha (DOH) - Qatar Airways
- Dubai (DXB) - Emirates
- Abu Dhabi (AUH) - Etihad Airways
- Istanbul (IST) - Turkish Airlines
- Zurich (ZRH) - Swiss International Air Lines
- Amsterdam (AMS) - KLM
- Paris (CDG) - Air France
Schengen Travel Insurance Tip (India → Germany)
When applying for a Germany Schengen Visa, travellers must have travel insurance with a minimum coverage of €30,000 for medical emergencies.
Important: Your insurance must start from the day you leave India, not just your arrival date in Germany.
- Coverage during transit & layovers
- Full Schengen visa compliance
- Protection for medical emergencies, delays & baggage loss