Travel Insurance for Germany from India Online, Starting ₹515
All packed up and ready for Germany?
If you have handled all your hotel and flight bookings for the trip, it may be time to consider purchasing travel insurance for Germany from India.
Do you need an insurance plan for such a quick trip, though?
The answer to that question is a resounding yes. Regardless of the length of the trip, travel insurance for Germany is essential for tourists. A thousand different things could go wrong during such a trip, which you may not have planned for in advance. With travel cover, you can limit financial liability from such unforeseen events.
Moreover, German travelers from India also encounter a language barrier, which might make seeking assistance even more difficult in emergencies. If you have an insurance policy in place, things become much simpler.
Is Travel Insurance Mandatory for Germany?
Yes, travel insurance is mandatory for Indians. However, regardless of whether it is mandated or not, you should never travel internationally without the right insurance policy in place. If you face medical or other forms of emergencies during the trip, these plans will limit financial liability.
What is the Cost of Travel Insurance for Germany from India?
A $50,000 Germany travel insurance plan from India for 4 days for 1 adult starts from ₹515 (excluding GST).
Germany Visa for Indian Passport Holders
A German visa for Indians is an official permit allowing people (residing outside Germany) to enter Germany. With the Visa, non-Germans can stay and visit Germany for a specified period. It also enables foreigners to pass through Germany's international transit zones while traveling to other countries.
The German Embassy offers the Schengen Visa as a tourist visa to every Indian citizen who wishes to visit Germany for a short stay. However, they do not issue separate Germany visa to foreigners for short-time visits. Nevertheless, a long-term national visa in Germany is issued if foreigners wish to stay more than three months (90 days).
Different Types of Schengen Visas and Schengen Visa Fees for Indians
What’s Great About International Travel Insurance by Digit?
Adventure Sports Covered - Our coverage includes adventure activities such as scuba diving, bungee jumping & sky diving (provided the duration is one day).
Monetary Compensation for Flight Delays - We don’t want to waste your time any further. That’s why, when your flight is delayed, you will receive compensation as per your policy conditions.
Smartphone-Enabled Processes - No paperwork, no running around. Just upload the required documents and bank details when you make a claim. We’ll take care of the rest.
Missed-Call Facility - Give us a missed call, and we’ll call you back in 10 minutes. No more international calling charges!
Worldwide Support - We’ve partnered with the world’s largest health and travel insurance network Allianz, to support you seamlessly across the globe. T&C apply as per your policy.
Germany Travel Insurance Plans that fit your needs
| Basic Option | Comfort Option |
Medical Cover |
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Emergency Accidental Treatment & EvacuationAccidents occur at the most unexpected times. Unfortunately, we can’t save you there, but we can surely help you get the best treatment. We cover you for immediate medical treatment that results in hospitalization. |
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Emergency Medical Treatment & EvacuationGod forbid if you fall ill during your trip in an unknown country, don’t panic! We will take care of your treatment costs. We will cover you for expenses like hospital room rent, operation theatre charges, etc. |
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Personal AccidentWe hope this cover is never required. But for any accident during the trip, resulting in death or a disability, this benefit is there for support. |
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Daily Cash Allowance (Per day/Max 5 days)When on a trip, you manage your cash efficiently. And we do not want you to shell out anything extra for emergencies. So, when you are hospitalized, you get a fixed daily cash allowance per day, to manage your daily expenses. |
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Accidental Death & DisabilityWhile this cover has everything like the emergency accidental treatment cover, it has one extra layer of protection. It also covers death & disability while boarding, de-boarding or are inside the flight (Touchwood!). |
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Emergency Dental TreatmentIf you encounter acute pain or meet with an accidental injury to your teeth on the trip, resulting in emergency dental treatment provided by a medical practitioner, we will cover you for the expenses incurred due to the treatment. |
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Smooth transit covers |
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Trip CancellationIf unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip. |
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Common Carrier DelayIf your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked! |
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Delay of Checked-in BaggageWaiting at the conveyor belt is annoying, we know! So, if your checked-in baggage is delayed for more than 6 hours, you get the benefit amount, no questions asked! |
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Total loss of Checked-in BaggageThe last thing that can happen on a trip is your baggage getting lost. But if something like this happens, you get the benefit amount for the entire baggage getting permanently lost. If two out three bags are lost, you get a proportional benefit, i.e. 2/3rd of the benefit amount. |
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Missed ConnectionMissed the flight? Don’t worry! We will pay for extra accommodation and travel needed to reach the next destination shown on your ticket/itinerary if, you miss a pre-booked onward flight because of a delay in the flight. |
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Flexible Trip |
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Loss of PassportThe worst thing to happen in an unknown land is to lose your passport or visa. If something like this happens, we reimburse the expenses, if it is lost, stolen or damaged while you are outside of your country. |
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Emergency CashIf on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue. |
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Emergency Trip ExtensionWe don’t want our vacations to end. But we don’t want to stay in a hospital too! If due to an emergency during your trip, you need to lengthen your stay, we will reimburse the cost of hotel extensions and return flight rescheduling. The emergency could be a natural calamity in your travel area or an emergency hospitalization. |
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Trip AbandonmentIn case of emergency, If you had to return home early from your trip, that would be really sad. We can’t fix that but we will cover charges for alternate travel arrangements and non-refundable travel costs like accommodation, planned events and excursion expenses. |
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Personal Liability & Bail BondDue to an unfortunate incident, if there are any legal charges against you while you are travelling, we will pay for it. |
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| Get Quote | Get Quote |
Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.
To read about the policy in detail please click here.
With us, get access to VIP claims
After you buy our international travel insurance for Germany, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!
How to Buy Travel Insurance for Germany with Digit?
Step 1
On the Digit app or website, select the geography/country, number of travellers and date of birth, and click ‘View Prices.’
Step 2
Select the plan, sum insured, and click ‘Continue.’
Step 3
Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.
Step 4
You’re done! The policy document will be sent to you via email, SMS, and WhatsApp. You can also access it 24/7 on the Digit App.
Why Choose Digit for Germany Travel Insurance Policy from India?
- Coverage for Adventure Sports-related Mishaps - Digit is one of the insurance providers in India that offers complete coverage for injuries sustained while participating in a single-day adventure sports on your trip.
- Get Coverage for Trip Cancellation - If your trip gets canceled before your insurance period starts, we'll reimburse you for the money spent on non-refundable expenses for the peril mentioned in the policy.
- Luggage Delays in Transit Become Easier to Deal with - During travel from India to Germany, your baggage passes several hands, especially at the airport there might be a delay in baggage. With Digit’s protection, you can replace these items without spending a single penny from your pockets.
- Personal Liability & Bail Bond - It covers you for any amount that you pay to a third-party or the legal expenses incurred, due to an accident or damage during your trip.
- Loss of Passport, Driving License and Temporary Permit - If you lose your passport, visa, driving license, or temporary permit while abroad, and it stops you from continuing your trip, then we'll cover costs incurred in the issuance of an emergency certificate or duplicate passport so that you can get back on enjoying your trip.
- Personal Accident - If you meet with an accident on your trip that leads to partial or total permanent disability or death, we will cover you up to the limits mentioned in the policy schedule.
Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.
What is Germany's Official Currency?
The currency in Germany is the euro €. Each euro is divided into 100 cents. Euro banknotes are available in 5, 10, 20, 50, 100, 200, and 500 cents, and Cents are available in 1, 2, 5, 10, 20, and 50 coins.
As of 3rd July 2024, the currency exchange rates of the Euro are as follows:
As of May 2024, the euro is the official currency of 20 European countries. These countries collectively form what is known as the eurozone: Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, The Netherlands, Portugal, Slovakia, Slovenia, Spain.
Note: You cannot use any currencies other than Euro anywhere in Germany.
What is Germany Famous For?
Germany is the home of the renowned ‘Oktoberfest.’ Most tourists come to visit the various festivals. Germany is famous for its rich historical and cultural heritage. The friendly locals are also very welcoming toward international guests, encouraging them to mix freely with them and learn about their culture.
When is the Best Time to Visit Germany?
May to September is the best time to visit Germany when the weather remains the most pleasant, with temperatures ranging between 20 degrees and 25 degrees Celsius. With plenty of sun and no snowfall, travelers can visit most of the destinations without any hassle.
Safety Tips When Travelling to Germany
Germany is one of the safest European destinations, experiencing a very low crime rate. Still, adopting the following measures is helpful:
- Keep your hotel room locked and place any valuable items inside the safety deposit box at the property.
- Try to avoid train stations at night as you may fall victim to harassment from some locals.
- Travel with a local guide who can bridge the communication gap between you and the locals.
- Germany is usually a safe and happening country, always ready to welcome tourists. However, it is essential to know about the scams in Germany to avoid wasting money or losing any belongings.
List of Indian Consulates and High Commissions in Germany
FAQs about Germany Travel Insurance from India
Are there any compulsory deductibles levied on travel insurance for Germany?
No, Digit’s travel insurance policy for Germany is free of any compulsory deductibles and the entire claim will be borne by us.
I am travelling to Germany with my friend. Will I have to purchase a separate travel insurance policy for her?
No, you can purchase a single travel insurance policy and pay a marginally higher premium to avail coverage for both you and your friend. Digit’s travel insurance policy offers a sum insured of $50,000 each, for two travellers, for 4 days’ travel to Germany at a premium of ₹1030 (excl. 18% GST).
Are the expenses incurred for the treatment of any pre-existing disease covered under the Germany travel insurance policy?
No, the Germany travel insurance policy will not cover the expenses incurred for the treatment of any pre-existing diseases.
Is travel insurance mandatory for Germany?
Yes, travel insurance is mandatory if you are applying for a Schengen visa in Germany. However, buying travel insurance for Germany is still essential for tourists. Whether you intend to participate in adventure sports or do other tourist things, unforeseen risks may lurk around the corner in Germany. These policies can minimize your financial loss from such dangers.
What does travel insurance cover in Germany?
Travel insurance for Germany can protect you against financial losses if unexpected medical treatment, trip cancellations, or travel delays hinder your plans.
Can I buy travel insurance for Germany after booking tickets?
Yes, you can buy a travel insurance policy right after you book your flight tickets to Germany. However, it's always best to purchase insurance as early as possible; if you delay it, you might miss out on certain benefits.
How do I claim my travel insurance?
To claim travel insurance, you should contact your insurer and inform them about the situation as soon as possible. Follow their guidance and take the necessary steps to file your claim, providing all required documentation and adhering to any specific procedures they suggest based on your circumstances.
What is usually covered by travel insurance?
Travel insurance, a comprehensive policy that usually covers flight delays, flight cancellations due to sickness or death, lost luggage, and emergency medical costs, protects you from financial loss while traveling. It covers a range of possible damages and losses.
Does travel insurance cover dental care in Germany?
Yes, emergency dental treatment provided by a dentist during your Germany trip due to an accidental injury or acute pain in your natural teeth is covered up to the limits of your policy schedule.
What should I do if I need to use my Digit Travel Insurance in Germany on the trip?
If you experience a medical emergency, baggage loss, flight delay, or need to cancel your trip, contact us immediately. We will help you understand your coverage and the claims process depending on your situation.
Does travel insurance cover lost or stolen belongings during my Germany trip?
Yes, If you lose your stuff during your Germany trip due to theft, robbery, etc., we will compensate you after deducting depreciation.
What would happen if I had a medical emergency in Germany?
Digit's travel insurance will cover unexpected emergencies requiring hospitalization due to illness or acute pain. If you have a medical emergency, we will pay reasonable charges per your policy.
What if my trip to Germany is canceled?
If your trip is canceled before your insurance period starts, we'll reimburse you for the money spent on non-refundable expenses for the peril mentioned in the policy.
Is travel health insurance mandatory in Germany?
Yes, travel health insurance is mandatory for visitors to Germany if you need a visa to enter the country. It is necessary to apply for a Schengen visa, and you can use it during your first few months in Germany.
Does insurance cover everything in Germany?
No, insurance doesn't cover everything in Germany. It's always good to check exactly what your insurance covers.
Which insurance is mandatory in Germany?
Health insurance is mandatory for everyone, even foreigners who stay for more than three months. The insurance depends on your medical needs and income.
Is travel insurance mandatory for a German visa?
Yes, travel insurance is mandatory for a Schengen Visa application to Germany. The insurance should be valid for the entire Schengen region and cover the entire length of the trip.
What documents do you need for Germany?
The documents required for Germany depend on your nationality, purpose of visit (tourism, study, work), and visa type. Generally, you'll need a valid passport, visa, travel health insurance, proof of accommodation, and financial means for your stay. It's crucial to check the official website of your country's German embassy or consulate for accurate and up-to-date information.
Can I enter Germany without insurance?
No, as Germany is the Schengen region. Thus, travel insurance is mandatory when you visit Germany.