Travel Insurance for Germany from India
Ensure a safe trip with Germany travel insurance plan.
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If you're planning on visiting Germany, you're in for a treat! There's so much natural beauty, culture, and history to experience. But before you go, it's important to be prepared for any unexpected situations. That's where travel insurance comes in handy. You'll need travel insurance for Germany that's valid throughout the Schengen Area since Germany is a member country. Plus, hospital stays in Germany can be quite expensive and take a toll on your finances. Don't worry though, we'll show you how easy it is to purchase travel insurance for Germany in this article.
Keep reading to find out more.
Why do I need travel insurance for Germany from India?
Here’s why Germany travel insurance from India is crucial.
Financial protection
During your trip to Germany, unanticipated expenses may arise. If you do not have travel insurance Germany, 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.
Medical coverage
You may need urgent medical care if you get sick or injured on the road. Medical expenses in overseas nations are typically high. Having travel insurance Germany can help ease the financial burden of unexpected medical expenses.
Legal requirement
The Schengen countries consist of approximately 26 nations located in Europe, that were made easily accessible to tourists under the Schengen agreement. However, in order to enter these countries, you need travel insurance. Thus, if you are travelling to Germany, which is one of the Schengen countries, it is mandatory to have valid travel insurance.
Feel protected and secure
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.
Why Choose ACKO's Germany Travel Insurance?
The ease of use makes Acko the best insurance option. Travel insurance from Acko is affordable and all-inclusive. Coverage for your India-Germany trip is easy and fast with us.
Here are some examples:
Constant support
''Service is the essence of life,'' we believe. That is why we are here to help with your insurance questions whenever you have them, day or night, so you can travel worry-free.
Online insurance:
With Acko, you can buy a policy, file a claim, and take care of it all online.
Easy on the wallet:
You can find affordable insurance plans that provide ample protection. For Rs. 49*, or about Rs. 10 per day, ACKO offers basic travel plans for five days.
Flexible pricing
You can modify the coverage options on your ACKO travel insurance policy to meet your specific needs and financial constraints.
Benefits of ACKO’s Travel Insurance India to Germany
In this section, we have listed some of the benefits of choosing our travel insurance for your Germany trip.
Budget-friendly policies
You may have imagined that travel insurance is expensive. This may have deterred you from purchasing it in the past. However, this is not the case with ACKO's Travel Insurance for Germany. Our policy rates begin at Rs. 49* for a five-day trip period. This works out to less than Rs. 10 each day!
Digital insurance
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, and more remotely.
COVID-19 coverage
If you contract COVID-19 during your trip, we will pay for your hospitalisation upto the limit specified in the policy. Furthermore, if you miss a flight or suffer any other loss due to observing a COVID-19 quarantine, we will pay you the compensation.
Anywhere and anytime assistance
Our travel insurance policy will cover you no matter where you go. We currently cover over 150 countries and provide related assistance 24 hours a day, seven days a week. Thus, regardless of where you are or what time it is, we have your back!
Tailor-made policies
ACKO’s Travel Insurance offers the option of coverage customisation. Take advantage of this by selecting only the specific covers you need for your trip. That way, you can avoid paying for extraneous features and save money.
Zero deductibles
We have no deductibles. We will cover all costs if you have a mishap and file a claim. However, note that our financial support is limited to the sum insured.
What's Covered
What's not covered
What's covered in ACKO’s Germany Travel Insurance?
The following are the situations usually covered under travel insurance for Germany from India.
Travel Coverage
Return of minor child to the city of residence in case of the insured person's hospitalisation
Family member’s compassionate visit in case of the insured person’s hospitalisation
Monetary loss for transportation in case of medical care and death of the insured person during the trip
Compensation for flight delay or cancellation
Compensation for rescheduling
Compensation for misplacement or delay of the checked-in baggage
Compensation for total loss/partial loss of checked-in baggage
Unrecoverable costs related to the loss of passport
Compensation in the event of a paid booking bouncing during travel
Compensation in the event of a paid booking bouncing during travel
Legal Coverage
Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation
Medical Coverage
An accidental injury that requires hospitalisation or daycare
A medical emergency that requires hospitalisation or daycare
OPD medical expenses due to injuries or illnesses
Adventure sports-related injuries requiring hospitalisation
Permanent total disability/Permanent partial disability caused by an accident during the travel period
Accidental death of the insured person during the travel period
Coverage for transporting remains in case of death during travel due to injury or illness during the travel period
COVID-19 quarantine resulted in flight cancellation
What's not covered in ACKO’s Travel Insurance Germany?
The following are not covered by your India to Germany travel insurance policy.
Travel exclusions
If you go to Germany without a visa
If you are travelling to Germany for medical purposes
Travelling despite not being in good health
Travelling against the advice of a doctor
If you purchase after leaving India or if your trip doesn’t end in India.
Legal exclusions
Attempted suicide or self-harm
Liabilities incurred while intoxicated
Any financial loss resulting from carrying out a criminal act
Harm resulting from doing risky work like aerial photography, tunnelling, mining, etc
Medical exclusions
Health complications resulting from pre-existing health issues
If a report to prove disability is produced by a family member
Medical expenses associated with pregnancy
Note: Please take note that our policy document specifies in detail both what is and is not covered.
How do I buy Acko Travel Insurance for Germany from India?
Follow these six simple steps to buy ACKO's travel insurance online for Germany:
Step 1: To begin, click here or download our app from Play or App Store
Step 2: Choose from our standard plan or customise your plan
Step 3: Give us the dates on which your trip will start and end
Step 4: Choose the coverage you want
Step 5: Fill up the details for you and your travel companions
Step 6: You'll get a quote right away. Pay online to get your coverage right away
How do I claim online travel insurance Germany from Acko?
It is easy to file a claim with Acko's Travel Medical Insurance Germany. Just follow these steps to make a claim:
Cashless medical insurance:
Tell us where you are by emailing [email protected] or calling 01246174722.
We will immediately send you a list of local cashless hospitals.
Continue treatment while we pay the hospital bill.
Added Covers:
Contact us at 01246174722 or [email protected].
We will review your invoice or bill immediately.
Your money will be returned in a few days.
Things you should know before beginning your Germany trip
In this section, we'll go over some things you should know before visiting Germany.
Learn some German
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!
Get ready to eat some amazing food
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!
Don't jaywalk
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.
Bring cash
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.
Explore the outdoors
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!
Don't forget your travel adapter
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.
Get ready for some serious efficiency
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.
Things you can’t miss!
We have listed a few locations you can visit while 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 the 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 of Cologne. 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 und Zwinger Palace. It's also a great base for exploring the nearby Saxon Switzerland National Park.
Germany Visa Information for Indians
The following are the various types of Germany visas that Indians travelling to Germany can apply for.
Visa Type | Purpose |
|---|---|
Airport Transit Visa | For travelers 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 Exhibitions Visa | For attending trade fairs, exhibitions, or conferences |
Training/Internship Visa | For participating in training or internship programs |
Indian Embassy’s location in Germany
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 |
List of international airports in Germany
The following are some of Germany’s popular international airports.
Airport | Location |
|---|---|
Altenburg Nobitz Airport | Altenburg Nobitz |
Berlin-Tegel/Otto Lilienthal Airport | Berlin |
Bremen Airport | Bremen |
Cologne/Bonn Airport | Cologne/Bonn |
Dortmund Airport | Dortmund |
Düsseldorf International Airport | Düsseldorf |
Frankfurt-Hahn Airport | Frankfurt-Hahn |
Frankfurt International Airport | Frankfurt (Rhein-Main) |
Franz Josef Strauss Airport | Munich |
Friedrichshafen Airport | Friedrichshafen |
Hamburg Airport | Hamburg |
Hanover Airport | Hanover |
Lübeck Airport | Lübeck |
Memmingen Airport | Memmingen |
Nürnberg Airport | Nürnberg |
Stuttgart Echterdingen Airport | Stuttgart |
Weeze Airport | Weeze |
Travel documents required to travel to Germany
Here are some of the essential documents for applying for a German visa.
A visa application form
Country of residence declaration
Two passport photographs
Round-trip flight itinerary
Proof of accommodation
Proof of sufficient funds
A cover letter explaining visa application reason
Proof of civil status
Germany travel health insurance
Tips to buy the cheapest travel insurance for Germany from India online
We have shared some tips to buy the best travel insurance for Germany online
Clarify the 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 on unwanted expenditure and save your money.
Set a 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.
Frequently asked questions
To wrap things up, we have listed some of the most frequently asked questions on travel insurance for Germany from India.
Is travel insurance mandatory for visitors to Germany?
Yes, travel insurance is mandatory for visitors to Germany. All the Schengen countries require visitors to possess travel insurance before entry.
What kind of coverage do I need for Germany?
To meet Germany's travel insurance requirements, you need to have coverage that includes at least €30,000 in medical expenses, as well as coverage for repatriation (returning you to your home country if necessary), and coverage for emergencies like natural disasters. You may also want to consider additional coverage for things like trip cancellation, lost baggage, or emergency evacuation.
How do I buy ACKO’s Travel Insurance for Germany from India?
You can purchase ACKO’s Travel Insurance for Germany from India online by visiting our website or smartphone app. The purchase process is simple, and we have explained it briefly in this blog.
What should I do if I need to use my ACKO Travel Insurance Germany on the trip?
If you experience a medical emergency, lose your luggage, or need to cancel your trip, you should contact us as soon as possible. Based on your situation, we will help you understand your coverage and guide you through the claims process. Make sure to keep all the relevant documentation handy, such as receipts and medical records, to support your claim.
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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