Travel Insurance for Germany from India

Germany captivates travellers with its rich history, stunning architecture, and beautiful landscapes, making it one of Europe’s top destinations. Travel insurance from India to Germany provides financial protection against unexpected events like medical emergencies, trip cancellations, baggage loss, or flight delays, for a smooth and stress-free journey.

In fact, travel health insurance for Germany is mandatory when applying for a Schengen visa. The policy must provide at least €30,000 coverage for medical expenses, hospitalisation, and repatriation, and remain valid across all Schengen countries for the duration of the trip.
 

• Budget Friendly: Affordable premiums starting at just ₹8/day*
• Instant Purchase: 100% digital policy purchase and claim process
• Coverage: ACKO’s provides cashless hospitalisation, COVID-19 coverage, trip cancellation, baggage loss, flight cancellation/delay coverage.
• Edit Policies: Option of customisation of Germany travel insurance coverage
• No Deductibles: No hidden fees or deductibles in ACKO’s travel insurance plan for Germany.
• Visa Compliant: Meets Schengen visa insurance requirements
• Support: 24/7 international assistance for emergencies

Travel Exclusions

• Travel Without a Visa: If you travel to Germany without a valid visa, your travel insurance coverage will not apply.
• Medical Tourism: Travelling primarily for medical treatment or procedures is not covered under this policy.
• Pre-Existing Poor Health: If you travel to Germany despite having a pre-existing health condition, any resulting medical expenses will not be covered.
• Ignoring Medical Advice: Travelling against the recommendation of a doctor voids your eligibility for related medical claims.
• Policy Purchase and Trip Origin: Travel insurance Germany must be purchased before leaving India, and your trip must begin and end in India for the coverage to remain valid.

Legal Exclusions

• Self-Harm or Suicide: Any claims arising from attempted suicide or self-inflicted injuries are not covered.
• Intoxication-Related Incidents: Liabilities or injuries incurred while under the influence of alcohol or drugs during your travel in Germany are excluded from coverage.
• Criminal Acts: Any financial loss or harm resulting from engaging in unlawful or criminal activities will not be covered.
• High-Risk Occupations: Injuries or harm sustained while performing hazardous work like aerial photography, tunnelling, mining, or similar high-risk activities in Germany are not covered under the policy.

Medical Exclusions

• Pre-Existing Health Conditions: Health complications arising from pre-existing medical issues are not covered under trip insurance for Germany.
• Disability Proof by Family Member: Claims related to disability will only be considered if an official medical report proving the disability is submitted by a family member while in Germany.
• Pregnancy-Related Expenses: Medical expenses associated with pregnancy, childbirth, or related complications during travel in Germany are not covered.

• Choose an Affordable & Reasonable Sum Insured

Sum insured is an insurance jargon used to describe the maximum amount the insured can claim through their policy. While buying a travel policy for Germany, make sure to choose a reasonable sum insured by considering the maximum financial loss you may incur during your trip.

• Opt for Higher Deductibles

A higher deductible, which is the amount you pay yourself before the insurance coverage starts, can lead to a considerable reduction in your initial premium cost.

• Understand Claim Process

Before buying travel insurance online, make sure to get a clear understanding of the claim process. The simpler the claim process, the better. So, keep this as a criterion while shortlisting insurance policies for your trip. Another benefit of understanding the claim process beforehand is being able to make a claim without any hassle in a time of need.

• Customise the Covers

Travel policies usually come with a few add-on cover options. Choosing all of them might drain your funds. Rather, select only the essential coverages. That way, you will be able to cut down on unwanted expenditure and save your money.

• Complete the online application form and upload all the required documents.
• Pay the visa fee through a debit/credit card or a mobile wallet.
• Once payment is made, the documents will be verified, and your German visa will be sent to your email address.

Spring (March - May)

• Weather: After a cold winter, spring brings warmer temperatures, peaking around 14°C in mid-April and 19°C in May.
• Activities: This season is perfect for sightseeing and adventure activities such as trekking, hiking, and mountain biking.
• Highlights: A major attraction during spring is the full bloom of cherry blossoms.

Summer (June - August)

• Weather: Summer offers more pleasant overall temperatures and weather conditions. The northern region can be slightly cooler due to winds from the Baltic Sea, while the southern region remains comparatively warmer.
• Activities: It's an excellent time for sightseeing and discovering Germany's countryside.
• Events: Renowned events like the Berlin Culture Festival and Carnival, Schutzenfest Hannover, and the Freiburg Wine Festival take place during this period.

• Off-peak travel: Visit Germany during non-peak seasons to find more affordable accommodations, transfers, and other services, as there are fewer tourists.
• Public transportation: Ditch expensive taxis and rentals. Opt for reliable and more affordable local public transport like trams, buses, and trains.
• Smart shopping: Be mindful of your purchases as items can be expensive in Germany, and bargaining is often not an option.
• Local dining: Consider eating at local restaurants to save money, as dining at luxury establishments can significantly impact your budget.
• Free activities: Take advantage of free activities and museum tours available at various locations to save money while sightseeing.
• Travel insurance: Invest in international travel insurance Germany to protect yourself financially against unexpected events, which is a smart precautionary step to save money during your trip.