Is Travel Insurance Mandatory for Germany?

Yes, travel insurance to Germany is mandatory for Indians planning to visit the country. To get your visa application approved, you require a Schengen travel insurance for Germany. A German travel insurance plan requires a minimum of €30,000 covering accidental deaths, evacuation, and repatriation of an individual.  

This is included in the Germany visa insurance requirement for the majority of visitors, particularly tourists and business travellers from countries such as India. Choosing a travel health insurance for Germany not meet these standards leads to rejection of your application. Continue reading this blog to learn more about travel insurance to Germany.

Why Travel Insurance Is Essential for Visiting Germany?

If you are planning a short-term visit to Germany, buying travel insurance is not optional; it is mandatory. Indian travellers must have valid travel health insurance to enter Germany under a Schengen visa. Germany is one of the 29 Schengen countries, and compliant travel insurance for Germany for Indians is a key requirement during the visa application process.

Whether you are travelling to Germany for tourism, business, education, or family visits, your travel insurance must cover the entire duration of your stay. A policy that does not meet Schengen norms can lead to visa delays or even rejection. Beyond visa compliance, travel insurance for Germany plays a vital role in protecting you from unexpected financial risks abroad.

Apart from being a compulsory Schengen visa document, travel insurance for Germany is important because it helps:

1. Cover emergency medical treatments and hospitalisation in Germany
2. Include medical evacuation and repatriation to India in serious situations
3. Reimburse non-refundable expenses due to trip interruption or cancellation
4. Provide compensation for third-party liability in case of accidental injury or property damage
5. Assist with passport loss, damage, or re-issuance and related support services

With high healthcare costs and legal liabilities in Europe, choosing the right travel insurance ensures you stay financially protected while travelling in Germany. A comprehensive travel insurance plan from Bajaj General Insurance allows you to focus on your purpose of visit, knowing you are covered against medical, travel, and legal uncertainties.

What’s Covered under Travel Insurance for Germany?

The key inclusions of travel insurance to Germany are:

Personal Accident

Travel insurance for Germany agrees to pay the amount if there is death, or permanent and partial disability while travelling overseas. This is also applicable if you are travelling within India prior/post 24 hours of international travel.

Medical Expenses

Includes the medical expenses for any disease, illness, or injury while you are travelling abroad. Travel insurance also includes any pre-existing injury or illness.

Trip Cancellations

Covers losses incurred with hotel bookings and accommodations due to flight cancellations. Under certain pre-defined circumstances only, your trip can be extended.

Personal Liability

Offers coverage for any third-party claim arising due to injury or damage to property caused by the insured individual.

Benefits of Buying Travel Insurance for Germany

The several benefits of purchasing the right insurance as per the German visa insurance requirement include the following:

Meets Germany Visa Requirement

Opting for travel insurance to Germany is mandatory for short-term visas. The Schengen travel insurance Germany coverage varies depending on the medical emergencies and stay in the hospital. Choosing the right type helps avoid visa delays and rejections.

Covers Treatment Costs and Medical Emergencies

The healthcare system in Germany is advanced but expensive for international travellers. The majority of travel insurance plans in Germany include doctor visits, hospital expenses, medicines, etc. It also meets emergency treatment costs without exhausting your savings.

Safeguards Against Medical Evacuation

In severe cases, medical evacuation might be necessary. German travel insurance usually includes emergency medical evacuation costs. Moreover, following the policy terms and conditions, it also includes repatriation costs, essential during unexpected emergencies.

Safeguards Against Baggage Loss and Passport

Losing your baggage or passport can disrupt your journey. Schengen travel insurance Germany offers compensation for such losses. It also helps with financial support during such emergencies.

Assistance During Flight Delay

Flight delays are quite common during international travel. Germany travel insurance covers additional expenses for meals and accommodation, ensuring comfort during unexpected times.

24*7 Global Assistance

Germany travel health insurance provides consistent 24*7 support. This kind of assistance includes medical help and guidance during emergencies, irrespective of the time zone.

Financial Security

Choosing the right travel insurance for Germany safeguards you against out-of-pocket expenses, ensuring compliance with the Germany visa insurance requirement. Overall, you can plan and experience your Germany trip with ultimate confidence and security.

Add-ons for Germany Travel Insurance Plan

The add-ons you can include for your travel health insurance for Germany are the following:

Trip Delay

Offers comprehensive coverage if the flight of an insured individual or beneficiary gets delayed due to unavoidable reasons.

Track-a-Baggage

A German travel insurance plan tracks your baggage in case of a flight delay in flight.

Emergency Hotel Booking for Family

Provides the costs of hotel booking and accommodation for a single family member travelling from India to attend the hospitalisation process of the insured traveller.

Loss of Personal Belongings

Choosing a reliable international travel insurance plan covers the loss of personal belongings due to robbery, theft, and other illegal activities occurring outside India.

Protection for Minor Child

Offers the costs of economy class travel for a relative with an insured minor child aged 15 years and below, following the rules and regulations.

Replacement and Staff Rearrangement

Covers the accommodation and travel-related expenses incurred in case of replacement of the insured individual.

Tips to Buy the Best Travel Insurance for Germany

While you plan a trip to Germany, choosing the right travel insurance is necessary. The right plan safeguards you against medical and travel risks and ensures compliance with Germany visa insurance requirement.

Comprehensive Coverage

Always select a policy with extensive coverage. German travel insurance for Indians usually includes medical emergencies, hospitalisation, and emergency evacuation. Trip cancellation, trip delay, and baggage coverage are also significant.

The average Schengen travel insurance Germany expects to cover a minimum medical cover of approximately €30,000, which is a minimum requirement to secure a Schengen visa. This offers financial security during unforeseen circumstances.

Flexibility

Opt for flexibility in policy terms and conditions. Your travel health insurance to Germany allows changes in travel dates or coverage in case you have a prolonged stay. There are also some plans with optional add-ons to adventure sports or pre-existing conditions.

Choosing a flexible plan allows you to travel stress-free and make changes in insurance following your itinerary.

Comparison of Features and Benefits

Compare various Germany travel insurance online. Check coverage limits, claim settlement ratio, and network hospitals. A thorough comparison of plans helps to identify the best value for money. Choose a policy meeting the Germany visa insurance requirement without additional expenses.

Inclusions and Exclusions

Know what is included and excluded in your travel insurance to Germany. Often, medical treatment, COVID-related cover, and personal liability are included. Exclusions include self-inflicted injuries and other high-risk activities. Familiarising yourself with these details prevents rejection of claims.

Rates of Premium

The premium rates relate to the age, time of travelling, and amount of cover. A low-priced Schengen travel insurance in Germany does not imply narrow coverage. Select a plan that would balance the price and coverage. Do not take a very inexpensive plan that might compromise other essential benefits.

Purchase and Claim Process

Choose a policy that follows a hassle-free online claim process. Easy documentation process and 24-hour support are also crucial features of a travel health insurance for Germany. Smooth settlement of claims makes it possible to support during times of emergency.

Thus, choosing the right international travel insurance from Bajaj General Insurance helps you meet the eligibility criteria for visa rules. Also, you can experience a smooth and hassle-free journey to Germany.

Bottom Line

Travel insurance to Germany is necessary in case you are seeking a Schengen visa. The chosen policy should meet the German visa insurance requirements, which include a minimum coverage of €30,000 of medical insurance and validity for the whole trip.

This German travel insurance also covers high medical expenses and unexpected travel disruptions abroad. Even if a visa is not required, opting for a plan from Bajaj General Insurance ensures comprehensive coverage, Schengen compliance, and reliable assistance throughout your Germany trip.

Frequently Asked Questions

Is opting for travel insurance mandatory for a business trip to Germany?

Yes, irrespective of whether you are visiting Germany for business, tourism, or other purposes, choosing travel insurance with Schengen coverage is mandatory.

Is it possible to extend my travel insurance plan while in Germany?

Usually, it is not possible to extend your travel insurance plan while in Germany once you start your trip. Purchasing coverage is a must for the entire duration of your trip before start.

For how long is my travel insurance valid in Germany?

Your travel insurance plan is valid in Germany for your entire stay duration, which includes any transit time in all Schengen countries.

Should children travelling to Germany require a travel insurance plan?

Yes, all travellers, including children, should have a valid travel insurance plan for Germany meeting the Schengen requirements.

What is the cost of international travel insurance for Germany?

The cost of international travel insurance for Germany depends on the chosen sum assured, based on the stay duration, and travel coverage offered for a secured trip.

What happens if my Germany trip is cancelled?

If your trip to Germany gets cancelled before the start of the insurance period, you will receive reimbursement for money spent on non-refundable expenses mentioned in the policy.

Can I visit Germany without insurance?

No, you cannot visit Germany without insurance, as Germany is in the Schengen region. Carrying travel insurance during a visit to Germany is mandatory.

*Standard T&C Apply

**Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

***Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.