IndusInd Germany Schengen Insurance 2026 (Embassy Approved)

IndusInd Travel Insurance for Germany provides coverage for medical emergencies, trip cancellations, lost luggage, and additional benefits.

Yes, you can conveniently buy IndusInd Travel Insurance for Germany through our online platform.

You require travel insurance that includes coverage for medical emergencies, trip cancellations, lost luggage, and emergency evacuation. IndusInd Travel Insurance for Germany offers protection to ensure a secure and peaceful journey.

You may travel to Germany without insurance, but if you are applying for a Schengen visa, it is a requirement. For travelers from visa-exempt countries, insurance is not compulsory but is highly advisable for medical emergencies and unexpected incidents.

Yes, if you are applying for a Schengen visa to Germany, travel insurance is required. It must provide coverage for medical emergencies, hospitalization, and repatriation with a minimum limit of €30,000. Even if you are traveling without a visa, it is strongly recommended for safeguarding against unforeseen circumstances.

If the traveler is applying for an Germanyn visa, the consular authorities can insist on adequate travel insurance for the visit to Germany. Given the fact that one’s domestic Indian health insurance has little coverage in Germany, it is very important for Indian travelers to have IndusInd travel insurance while in Germany.

You can claim travel insurance by the following ways:

• 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.

• 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.

• 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.

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.

You can renew the IndusInd policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the IndusInd insurance policy renewal form so that our insurance advisors will help you to renew travel insurance to Germany from India policy.