Are you planning to visit Germany? Officially called the Federal Republic of Germany, it is a country in central Europe. As part of the Schengen Zone, Germany requires all visa applicants to have valid travel medical insurance. This insurance isn’t optional—it’s a mandatory requirement for obtaining a Schengen visa. Travel insurance for Germany covers hospitalisation, accident, baggage loss, passport loss, trip cancellation/interruption, etc. In this guide, you’ll learn why travel health insurance for Germany is essential, what key features to look for in a policy, and how to choose the right coverage that matches your travel needs and budget.
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Germany’s rich history, scenic landscapes, and vibrant cities make it a top destination, but unexpected events like medical emergencies, flight delays, or lost baggage can disrupt your trip. Since travel health insurance is mandatory for Indian tourists visiting Germany and the Schengen Area, having the right coverage is essential, not just for visa approval but also to protect yourself from high expenses.
Healthcare is usually expensive in Germany compared to India, so travel insurance for Germany can save you in a medical emergency during your trip. With ACKO’s Germany Travel Insurance, you get financial security for medical costs, trip disruptions, and more, ensuring a stress-free journey.
Yes, travel insurance for Germany is mandatory for Indian citizens. To gain entry into Germany, Indian travelers must apply for a Schengen visa. An important component of this visa application process is the submission of proof of valid travel insurance. Without this documentation, a Schengen visa application will likely be rejected.
The Schengen travel insurance policy must cover medical emergencies, evacuation, and repatriation, with a minimum coverage of €30,000 (approximately $32,800 USD). Without this, your visa application will not be accepted. The ACKO Travel Insurance Germany plan provides you with sufficient coverage to comfortably meet this mandatory visa requirement.
Having the right travel insurance ensures a stress-free trip by covering unexpected expenses. Here are some essential features:
| Features | Benefits |
| Medical expense coverage | Covers illness- and accident-related medical costs, including COVID-19 hospitalisation. |
| Easy cashless claims | Allows hassle-free, cashless medical treatment at network hospitals. |
| Baggage delay/loss | Compensation for lost or delayed checked-in luggage. |
| Adventure sports coverage | Covers injuries caused by adventure sports activities. |
| Loss of passport | Provides financial assistance to replace a lost passport. |
| Trip Cancellation & Rescheduling | Reimbursement for cancellations due to COVID-19 or personal emergencies. |
| Missed/delayed flight | Covers financial losses if you miss a flight. |
| Meets Schengen visa requirement | Fulfills the mandatory €30,000 medical coverage needed for visa approval. |
Here’s why travel health insurance for Germany from India is crucial:
During your trip to Germany, unanticipated expenses may arise. If you do not have Schengen travel insurance, you may be forced to pay for these expenses out of your own pocket. On the contrary, if you have comprehensive travel insurance, it can protect your funds.
If you get sick or injured on the road, you may need urgent medical care. Medical expenses in overseas nations are typically high. Having international travel insurance can help ease the financial burden of unexpected medical expenses.
The Schengen Area, consisting of around 29 countries, requires travel insurance for entry. If you're travelling to Germany, a Schengen country, valid travel insurance is mandatory to obtain a Schengen visa.
The most important perk of having Germany travel insurance is the peace of mind it provides. You probably just want to relax and enjoy your time off without worrying about how your budget will hold up in case of an accident. Having travel insurance will allow you to relax and enjoy your trip.
Here are some key benefits of ACKO’s travel insurance plan for Germany:
Wondering about travel insurance costs? Our policy rates begin at ₹ 8/day*.
Dislike filling out forms? Yes, we know! We use digital insurance forms instead of paper ones. Our website/app lets you buy/renew insurance, file claims more remotely.
If you contract COVID-19 during your trip, we will pay for your hospitalisation up to the limit specified in the policy.
Our travel insurance policy will cover you no matter where you go. Thus, we have your back regardless of where you are or what time it is!
ACKO’s travel insurance offers the option of customisation of coverage. Take advantage of this by selecting only the specific covers you need for your trip.
We have no deductibles. If you have a mishap and file a claim, we will cover all costs. However, note that our financial support is limited to the sum insured.
The following are the situations usually covered under travel insurance for Germany from India:
*Note: Please take note that our policy document specifies in detail both what is and is not covered.
The following are not covered by your travel health insurance for Germany:
*Note: Please take note that our policy document specifies in detail both what is and is not covered.
Follow these six easy steps to purchase ACKO's travel insurance for Germany online:
Click here and choose your destination.
Specify your trip’s start and end dates.
Pick the types of coverage you want.
Provide details and pay the fee.
An instant travel insurance policy will be generated and immediately sent to your email ID.
It is easy to file a claim with ACKO's travel health insurance for Germany. Just follow these steps to make a claim:
Here are some of the documents for purchasing Travel Insurance.
Here are some of the essential documents for applying for a German visa.
Here are some of the crucial documents for applying for a Travel Insurance Claim.
Meet Rohan, who loves exploring new places. On his recent trip to Germany, he found out his luggage was missing when he arrived. Despite his efforts, the airport staff couldn't locate it.
Feeling stuck, Rohan reached out to ACKO for help. Thankfully, ACKO compensated him for the lost baggage, easing his worries and letting him enjoy his trip stress-free.
"Thanks to ACKO, I got my baggage loss covered," says Rohan. "Their quick help made a tough situation much easier. I'm really grateful!"
When you pick travel insurance, think about what you need it to cover. The cheapest travel insurance for Germany might not be the best, so it's a good idea to look at different plans. The different ACKO Travel insurance plans for German visitors include the Standard Plan and the Comfort Plan. Here is an overview to understand the coverage of each plan.
| Coverage | Standard Plan | Comfort Plan |
| Hospitalisation due to illness | Yes | Yes |
| Hospitalisation due to an accident | Yes | Yes |
| Daily Hospitalisation allowance | No | Yes |
| Doctor consultation | No | Yes |
| Flight Delay | No | Yes |
| Missed Flight | Yes | Yes |
| Trip Cancellation | Yes | Yes |
| Trip Rescheduling | No | Yes |
| Delay of checked-in baggage | Yes | Yes |
| Total loss of checked-in baggage | Yes | Yes |
| Damage of checked-in baggage | No | Yes |
| Loss of Passport | Yes | Yes |
| Trip Cancellation due to COVID | No | Yes |
| Death due to an accident | Yes | Yes |
| Total disability | Yes | Yes |
| Physiotherapy | No | Yes |
| Missed Connecting Flight | Yes | Yes |
| Home cover | No | Yes |
| Emergency Trip extension | No | Yes |
| Legal Liability | No | Yes |
| Emergency evacuation | Yes | Yes |
| Travel expenses of an immediate relative | Yes | Yes |
| Repatriation of mortal remains in case of death | Yes | Yes |
We have shared some tips to buy the best travel insurance for Germany online
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.
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 on unwanted expenditure and save your money.
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
Here's a table of interesting facts about Germany across various categories:
| Category | Fact |
| Official Name | Federal Republic of Germany (Bundesrepublik Deutschland) |
| Capital | Berlin |
| Language | German |
| Best Time to Visit | May to September |
| Currency | Euro (€) |
| Famous for | Engineering, Beer, Castles, Oktoberfest, Autobahn, Christmas Markets |
| Beer Culture | Over 1,300 breweries; Reinheitsgebot (beer purity law) from 1516 |
| Castles | Over 20,000 castles, including Neuschwanstein Castle |
| UNESCO Sites | 50+ World Heritage Sites |
In this section, we'll go over some things you should know before visiting Germany.
Germans are generally very friendly and welcoming to tourists, but it's always appreciated if you make an effort to speak their language. Start with some basic phrases like "Guten Tag" (good day), "Danke" (thank you), and "Bitte" (please), and you'll be off to a great start!
Germany is known for its delicious cuisine, so be sure to indulge in some traditional dishes like schnitzel, bratwurst, and sauerkraut. And, of course, you can't forget about the beer, it's practically a national treasure!
Germans take traffic laws seriously, so make sure you wait for the crosswalk signal before crossing the street. Otherwise, you might get some disapproving glares from the locals.
While many places in Germany do accept credit cards, it's always a good idea to have some cash on hand for small purchases or if you find yourself in a cash-only establishment.
Germany is home to some of the most beautiful landscapes in Europe. So, take advantage of the opportunity to go for a hike, bike ride, or even a swim!
Germany uses the standard European two-prong plug. So, be sure to pack a travel adapter if you're coming from a country with a different electrical system.
Germans are known for their punctuality and efficiency. So, don't be surprised if trains run on time to the minute and everything is meticulously organised.
Germany's most visited places include iconic landmarks, vibrant cities, and historic sites. Key destinations include Berlin, Munich, and the Cologne Cathedral. We have listed a few popular destinations in Germany to make your trip even better.
| Berlin | Germany's capital city is a hub of art, culture, history, and nightlife. Be sure to visit the iconic Brandenburg Gate, Checkpoint Charlie, the Berlin Wall, and the vibrant neighbourhoods of Kreuzberg and Neukölln. |
| Munich | The charming Bavarian city of Munich is famous for its beer halls, including the iconic Hofbräuhaus, and its beautiful architecture, such as Neuschwanstein Castle. |
| Oktoberfest | Speaking of beer halls, the world-famous Oktoberfest is an annual festival held in Munich that attracts millions of visitors from around the world. It's a great opportunity to try traditional German food and drinks, dance to live music, and dress up in dirndls and lederhosen. |
| The Rhine Valley | A picturesque region in western Germany, the Rhine Valley is home to stunning landscapes, historic castles, and charming villages. Take a boat tour along the river, or explore the famous Lorelei rock and the town of Bacharach. |
| The Black Forest | Located in the southwest of Germany, the Black Forest is a beautiful region known for its thick forests, beautiful villages, and classic cuckoo clocks. Don't forget to try the famous Black Forest cake, made with layers of chocolate, cream, and cherries. |
| Hamburg | Germany's second-largest city is a vibrant port town with a rich maritime history. Visit the Miniatur Wunderland, the world's largest model railway, or take a stroll through the trendy neighbourhood of St. Pauli. |
| Cologne Cathedral | One of the most famous landmarks in Germany, the Cologne Cathedral is a stunning Gothic cathedral located in the heart of the city. Climb to the top of the tower for breathtaking views of the city. |
| Dresden | A beautiful city in eastern Germany, Dresden is home to stunning baroque architecture, including the famous Frauenkirche and Zwinger Palace. It's also a great base for exploring the nearby Saxon Switzerland National Park. |
The following are the various types of Germany visas that Indians travelling to Germany can apply for.
| Visa Type | Purpose |
| Airport Transit Visa | For travellers passing through a German airport |
| Transit Visa | For stopovers in Germany while en route to a third country |
| Tourist Visa | For tourism and leisure visits |
| Visa for Visiting Family/Friends | To visit relatives or friends residing in Germany |
| Business Visa | For conducting business activities in Germany |
| Visa for Official Visits | For official government visits |
| Medical Visa | For receiving medical treatment in Germany |
| Visa for Cultural, Sports, and Film Crews | For participating in cultural, sports, or film-related events |
| Trade Fair and Exhibition Visa | For attending trade fairs, exhibitions, or conferences |
| Training/Internship Visa | For participating in training or internship programs |
The reason for your travel will help identify the type of visa required, such as a student visa, work visa, tourist visa, etc. Here’s how you can apply for a German visa from India. Just follow these simple steps-
For emergency assistance, reach out to the Indian Embassy in Germany. We have provided their contact details below.
| EMBASSY | EMBASSY OF INDIA, BERLIN |
| Address | Tiergartenstraße 17, 10785 Berlin, Germany |
| Phone number | +49-30-25795-0 |
| Working hours | Monday to Friday from 9.00 hrs to 17.30 hrs |
There are several airports in Germany; you must choose one according to your destination. The following are some of Germany’s popular international airports.
| Airport | Location |
| Altenburg Nobitz Airport | Altenburg Nobitz |
| Berlin-Tegel/Otto Lilienthal Airport | Berlin |
| Cologne/Bonn Airport | Cologne/Bonn |
| Dortmund Airport | Dortmund |
| Frankfurt-Hahn Airport | Frankfurt-Hahn |
| Frankfurt International Airport | Frankfurt (Rhein-Main) |
| Franz Josef Strauss Airport | Munich |
| Hamburg Airport | Hamburg |
To wrap things up, we have listed some of the most frequently asked questions on travel insurance for Germany from India.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions.
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