Travel Insurance for Germany from India (2026)
Germany travel insurance for Indians is mandatory for a Schengen visa and must include a minimum €30,000 medical coverage. Whether you are travelling to Berlin, Munich, Frankfurt, or other European destinations, a valid Schengen travel insurance policy is required before visa approval. NRIOL Germany travel insurance plans start from ₹26/day* and are accepted at German consulates and VFS Global centres across India. For assistance, callcall (080) 41101026.
- Silver - Best for budget travellers and Schengen visa requirements.
- Silver Plus - Higher medical coverage at a low premium.
- Gold - Best overall value for most travellers.
- Platinum - Ideal for families and longer trips.
- Titanium - Higher protection for extended international travel.
- Titanium Plus - Maximum coverage for complete peace of mind.
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Germany Visa Insurance Requirements for Indian Travellers
Germany processes Schengen visa applications through its network of consulates in Mumbai, Delhi, Chennai, Kolkata, Bangalore, and Hyderabad, as well as through VFS Global. The travel insurance requirements are standard across all Schengen members:
- Minimum medical coverage of €30,000 (approximately ₹26.8 lakh)
- Coverage must include emergency medical treatment, not just hospitalisation costs
- Policy must cover medical evacuation and repatriation of mortal remains to India
- Insurance must be valid in all 29 Schengen countries not just Germany
- Policy must cover every single day of your intended stay, with NRIOL recommending 7–10 extra buffer days
Germany Travel Insurance Plans & Cost for Indians
Germany travel insurance for Indians starts at just ₹29/day*, with plans ranging from ₹29/day to ₹64/day* depending on your age, trip duration, destination, coverage amount, and optional add-ons. The premiums shown below are based on a 35-year-old traveller taking a 60-day trip to Germany.
*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.
01.Which is the cheapest Germany travel insurance plan?
The Silver Plan is our most affordable Germany travel insurance, starting at ₹29/day*. It includes $50,000 medical coverage, up to $2,500 for pre-existing conditions, $200 baggage loss, and $500 trip cancellation, making it ideal for budget-conscious travellers and Schengen visa applicants.
02.Which is the best value Germany travel insurance plan?
The Gold Plan offers the best value for most travellers, starting at ₹38/day*. It provides $250,000 medical coverage, up to $10,000 for pre-existing conditions, $300 baggage loss, and $750 trip cancellation, balancing comprehensive protection with an affordable premium.
03. Which is the best Germany travel insurance plan?
The Titanium Plus Plan is our most comprehensive Germany travel insurance, starting at ₹64/day*. It includes $1 million medical coverage, up to $20,000 for pre-existing conditions, $500 baggage loss, and $1,500 trip cancellation, making it ideal for travellers seeking maximum protection.
Why Germany Specifically Needs Good Travel Insurance?
Healthcare in Germany is world-class and priced accordingly.A visit to a German emergency room for even a minor issue like a fracture can cost €3,000–€8,000 without insurance. A week-long hospitalisation can easily exceed €30,000. Without a policy, you bear these costs out of pocket - and your visa may even be revoked if authorities find out you are uninsured.
Germany also sees a high volume of Indian tourists in cities like Munich and Berlin, which unfortunately means petty theft and pickpocketing incidents are not uncommon. A good travel insurance policy covers loss of passport and baggage reducing the panic if your belongings are stolen at a crowded Christmas market or U-Bahn station.
Practical Tips for Indian Travellers to Germany
- Apply at the right consulate: If Germany is your primary or first-entry Schengen country, apply at the German consulate. If you are entering another Schengen country first, apply there instead.
- Apply 3–4 weeks early: German consulates can take 15–20 working days during peak travel seasons (April–September, December). Apply early to avoid stress.
- EES fingerprint registration: As of April 2026, Germany participates in the EU's Entry/Exit System. Your biometric data will be registered at first entry. Keep an extra 20–30 minutes at the border checkpoint.
- European Health Insurance Card (EHIC) does not apply to Indians: Unlike EU citizens, Indian passport holders do not have access to the EHIC. Your travel insurance is your only medical safety net make sure it is robust.
- Winter trips: If you are skiing in Bavaria or the Black Forest, check whether your plan covers winter sports injuries. Standard plans typically exclude hazardous sports; upgrades are available through NRIOL.
Germany Travel Insurance - What's Covered
- Emergency hospitalisation, surgeries, and specialist consultations
- Emergency dental treatment (acute toothache, not cosmetic)
- Medical evacuation within Europe or back to India
- Repatriation of mortal remains
- Loss of passport - emergency document expenses reimbursed
- Checked baggage loss, damage, and delay
- Trip cancellation and curtailment
- Missed connecting flight (common at Frankfurt Airport - one of Europe's busiest hubs)
- Flight delay allowance (meals and accommodation)
- Accidental death and permanent disability
- Personal liability - if you accidentally damage a rental car or injure someone
- Daily hospital cash allowance
- Home burglary cover while you travel
- Covid-19 treatment covered
Frequently Asked Questions - Travel Insurance for Germany
Which consulate should I apply to for a Germany Schengen visa?
Apply at the German consulate if Germany is your main destination or first point of entry in the Schengen Area. Germany has consulates in Delhi, Mumbai, Chennai, Kolkata, Bangalore, and Hyderabad. If you are entering France or Italy first, apply at their respective consulates.
How much medical cover do I need for a Germany visa?
The German consulate requires a minimum of €30,000 (approximately ₹26.8 lakh). NRIOL recommends the Gold plan ($2.5 lakh) or above for travellers to Germany, given the high cost of healthcare there.
Can my travel insurance for Germany cover a multi-country Schengen trip?
Yes. All Schengen travel insurance plans through NRIOL are valid in all 29 Schengen countries simultaneously. If you are travelling Germany → Austria → Switzerland in one trip, a single policy covers all three.
Does travel insurance cover flight delays at Frankfurt Airport?
Yes. If your connecting flight at Frankfurt (or any other airport) is delayed beyond the policy threshold (typically 6-12 hours depending on the plan), you are reimbursed for meals and accommodation. Missed connection cover kicks in if the delay causes you to miss your onward flight.
I have diabetes. Can I still get travel insurance for Germany?
Yes, but you must declare it. Plans like TATA AIG's Platinum and Titanium tiers include limited pre-existing condition cover (up to $12,500-$20,000). For conditions like controlled diabetes or hypertension, this is usually sufficient. Call NRIOL at (080)-41101026 and we will match you to the right plan.
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Ready to Protect Your Trip to germany?
Still have questions? Our experienced advisors are available Monday–Saturday. Call call (080)-41101026 - we speak Kannada, Hindi, Telugu and English.
Customer Reviews for Germany Travel Insurance
Smooth Process
"We have successfully purchased travel insurance policy today from Tata AIG, with the help of Nriol. Mail below from Tata AIG. Nriol's help is highly appreciated as we are able to purchase the same while in Germany, with proper guidance and support from Nriol representative Mr Yogesh. Whole process of purchase was easy as the pre- approval was obtained within a day of request."
Vidhya S
Excellent Customer Support
"Dear Team,
I would like to express my sincere appreciation for the excellent support provided by your team. I had unfortunately forgotten to arrange travel insurance for my mother before our journey. Thanks for arranging an insurance policy for her even after the travel had already started. I am very happy and grateful for the prompt and supportive service provided. This level of customer care is truly commendable. Thank you once again for your assistance."
Sutanu Paul
Appreciate the help from customer support team
"Thank you.
I appreciate the help from NRIOL Insurance desk.They reached out and were competent and clear with what needed to be done.The steps they took to reassure me before payment were of great help."
Leon