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    Travel Insurance

    Germany Visa for Indians

    TravelinsuranceOnline

    Premium Starting ₹ 13/day*

    Secure with travel insurance, embrace the adventure

    Coverage Highlights

    Get comprehensive coverage for your travel
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    • Protection for Every Journey

    Suitable for different types of travel, within India (Domestic) and worldwide (International) - Business, Leisure, Sports, Student, Group and more

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    • Comprehensive Coverage

    Protects against a wide range of potential travel issues, including trip cancellations, delays, lost luggage, medical emergencies, and more

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    • Customizable Plans

    Offers a variety of coverage options and add-ons to tailor the insurance policy to your specific needs and travel plans

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    • Ease of Buying

    No medical health check-up required to purchase the policy

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    • Extended Stay Abroad

    Extending your travel insurance coverage is both possible and hassle-free. Whether you prefer the convenience of online or the personalized assistance of offline methods, we've got you covered. Simply reach out to us online or through our agents to explore your options and ensure continuous protection throughout your travels.

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    • Note

    *Premium starts at ₹ 201 for 15 days which is about ₹ 13 per day

    Inclusions

    What’s covered?
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    • Personal Accident Cover

    Pays agreed amount in case of death, permanent total & partial disability, while travelling

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    • Trip Cancellation, Interruption & Extension

    Travel plans may unexpectedly change due to various reasons such as illness, natural disasters, or unforeseen events. Trip cancellation coverage reimburses you for non-refundable expenses if you need to cancel your trip before departure. Similarly, trip interruption coverage provides reimbursement for unused, non-refundable trip costs if your journey is cut short.

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    • Medical Treatment & Evacuation Expenses Cover

    Ensures that you’re financially protected in case of medical emergencies during your trip. It typically includes coverage for hospitalization, emergency medical care, dental treatment and evacuation to India. Pre-existing illnesses/injuries can be opted to be covered

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    • Missed Connection

    Reimburses you in case you miss a connecting flight

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    • Loss and Delay of Checked-in Baggage

    Losing your luggage or valuables can be a significant inconvenience during a trip. Hence, this cover pays for complete and permanent loss or destruction of the Insured's Checked in Baggage.

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    • Loss of Personal Belonging

    Pays for loss or damage to personal belongings including mobile, laptop, camera, passport etc. due to theft, larceny, robbery or hold up at international airport

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    • Sporting Activities Cover

    Provides coverage for accidents or injuries that occur while participating in professional or semi-professional sports or adventure activities during travel, if opted

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    • Travel Delay and Missed Connections

    Travel delays and missed connections can disrupt your itinerary. Travel insurance typically offers coverage for additional expenses incurred due to unexpected delays, such as accommodation, meals, and transportation. Review the policy to understand the time thresholds and the documentation required for making a claim.

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    • Many More Covers

    Additional coverage options are also available

    Exclusions

    What’s not covered?
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    • Pre-existing Condition

    Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded

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    • Intoxication

    Accidents occurring while under the influence of alcohol or drugs are excluded from coverage

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    • Routine Examination

    The insurance doesn't cover routine check-ups, vaccinations, or vitamins if you're generally healthy

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    • Self-Inflicted Injuries

    Injuries resulting from intentional harm or attempted suicide are not covered

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    • Criminal or unlawful act

    Actual or attempted engagement in any criminal or other unlawful act

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    • Non-passenger Flyer

    The Insured Person engaging in air travel unless he flies as a passenger on an Airline

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    • War and Related Perils

    Injuries or death resulting from war, civil unrest, or acts of terrorism are typically excluded

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    • Note

    Please read policy wording for detailed exclusions

    Additional Covers

    What else can you get?
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    • Trip Delay Delight

    Pays an agreed amount in case the flight gets delayed beyond the defined period

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    • Track-a-Baggage

    Opting this service helps you keep track of your check-in luggage during your trip, giving you peace of mind. If your bags go missing, the service helps locate and return them to you quickly

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    • Pet Stay

    Covers expenses (in ₹) for your pet’s extended stay at a boarding facility due to unforeseen travel delays

    What is a Germany Visa? Do Indians Need a Germany Visa?

    Indian nationals require a visa to visit Germany for short trips, whether for tourism, family visits, training or business. The type of visa which you apply for and the required procedure to get it depend on how long you plan to stay in the country. 

     

    For instance, if you are travelling for tourism purposes for up to 90 days within 180 days, apply for a Schengen Visa (C-Visa). A Germany Visa for Indians will allow you to travel across 29 Schengen member countries, including Germany.  Just make sure that you are filling out your visa form accurately to avoid a rejection of your application.

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    What Types of Germany Visas Are Available for Indians?

    Wondering what the popular types of German visas are available for Indians? Here are a few of them:

     
     

    Who Is Eligible to Apply for a Germany Visa?

    Here is an overview of the eligibility criteria to apply for a visa for Germany:

    Eligibility Area Requirement

    General

    Valid passport (issued within 10 years, 2 blank pages, valid beyond stay), legal residence in India, clean record, biometric submission, and travel insurance with at least €30,000 coverage.

    Tourist/Visitor   

    Proof of accommodation, return travel, sufficient funds, and evidence of strong ties to India.

    Business

    Invitation from the German company, employer's covering letter, and business registration proof (if applicable).

    Work

    Valid employment contract meeting applicable salary requirements.

    Student

    University admission letter, APS Certificate, and proof of funds through a blocked account.

    Opportunity Card

    Recognised qualification or eligibility under the points system, language proficiency, and proof of financial resources.

    Financial Documents

    Bank statements, salary slips, ITR/Form 16, business records, pension proof, or sponsor's financial documents, depending on occupation.

    Important Tips for a Smooth Visa Process

    Here are a few necessary things to keep in mind when applying for a Germany visa for Indians:
    1
    It is ideal that you apply for a German visa about 90 days before you are set to go on your trip.
    2
    Each country has a different timeline when it comes to visa processing; research about Germany visa application process and plan accordingly. 
    3
    Remember to reach your visa appointment at least 15 minutes early, your due time in order to completely avoid missing the time slot. 
    4
    After submitting your application, make sure to consistently track it for any relevant updates that require you to intervene.
     

    What Documents Are Required for a Germany Visa?

    Here is a list of Germany visa documents required, which you should submit during the application:

     
    1
    You need to submit a filled-out visa application form.
    2
    Provide your passport with at least three months' validity beyond your planned departure from the Schengen Area. It should contain at least two blank pages.
    3
    Photographs for identity according to the Schengen visa guidelines.
    4
    Proof of residency in India. 
    5
    Proof of travel health insurance which has a minimum of EUR 30,000 of medical coverage. 
    6
    A letter of invitation if you are visiting a family member or a friend in Germany.
    7
    Proof of sufficient financial means, such as bank statements.
     

    Germany Visa Photo Guidelines

    To make sure that your application is processed without any delays, please pay close attention to the following set of criteria:
    1
    It is necessary to submit high-quality photos for the perfect reproduction of images in the ID documents.
    2
    The photo must clearly show the person's facial features from the bottom of the chin to the crown of the head.
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    The photo should have a sharp focus and have proper contrast.
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    Photos should be taken with even lighting, and no shadows or reflections should be present.
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    The background should be plain and light-coloured, preferably light grey.
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    The facial expression should be neither tilted nor turned.
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    The person in the photo should look directly at the camera.
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    Hats and head coverings are not permitted, and the face must be clearly visible, though exceptions may be made for religious purposes.
     

    How Long Does It Take to Process a Germany Visa?

    Now that you know what goes into that perfect application, you may be wondering what the processing time for the visa is. Well, here is what you should know about it:
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    The standard processing time is around 15 working days, although it may take longer depending on the application and peak travel periods.
    2
    The exact timeframe can vary according to the type of visa you have applied for.
    3
    Processing time is longer during peak travel seasons due to the high number of applications.
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    Incomplete applications require additional checks and verifications, which further extend the total processing time.
     

    How Long Is a Germany Visa Valid?

    After your application is submitted, you will likely want to know the duration of your stay. Here is the breakdown of the validity periods of a German Visa:
    1
    The Schengen Visa (Type C) is only valid for a period of up to 90 days within a maximum of 180-day period in the Schengen Area.
    2
    Validity of a National Visa is between 3-6 months or up to 1 year.
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    An Airport Transit Visa (Type A) is valid only for a single or multiple transits through the German airports, and does not permit holders to leave the international transit area.
     

    Why Travel Insurance Required for a Germany Visa?

    In order to ensure that your stay in Germany is fully covered in case of an emergency, the authorities require proof of travel insurance.

     

    How Can Indians Apply for a Germany Visa Online?

    Here is a list of steps to follow to apply for a Germany visa for Indians online:
    1
    VFS Global is the official company which the German Embassy in India has given authorisation to handle visa applications.
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    Submit your visa application through the VFS Global Visa Application Centre that serves your place of residence.
    3
    After you determine when to submit your application, schedule an appointment online.
    4
    Then select the visa category and enter the details that are asked of you, along with document submission.
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    Next, pay the required visa fees. The visa centre will let you know whether you have to pay before or after you apply.
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    After your verification is successful, your visa will be processed.
     

    How Much Does a Germany Visa Cost?

    The application fee for a German visa for adults is €90, which is equivalent to ₹9,669*. The visa fees for minor applicants who are between the ages of 6 and 12 years are €45 (₹4,834). It is important to note that there are no Germany Visa Fees for Indians applicable for children who are under the age of 6. You also have to pay a VFS Global fee of ₹1,722.

    Note: The exact cost of a Germany visa for Indians is subject to change at any point in time, reflected by conversion rate fluctuations.

    Can Indians Get a Germany Visa on Arrival?

    Indian citizens cannot get a visa upon arrival and require a valid visa before entering the territory of Germany. It is required of you to apply for a Schengen Visa before your arrival.

    Even if you are travelling for a short term, you need to make sure to apply for a visa through authorised visa centres located in India.

    When applying for a German visa, make sure to check all of the eligibility criteria for an easy approval.

    Why Can a Germany Visa Application Be Rejected?

    Here are a few reasons which can lead to a rejection of your visa application process:

     

    What Are the Benefits of Travel Insurance for Germany?

    There are a lot of benefits to getting international travel insurance when visiting Germany from India. Here are some benefits you should know about Germany visa for Indians:

     

    Why Choose Bajaj General Insurance Limited for Travel Insurance?

    After you have confirmed that your insurance meets the necessary Schengen requirements, it is time to select a provider. Here is why Bajaj General Insurance Limited may be a top choice for your travel protection. 

     

    Additional Travel Tips for Indians Visiting Germany

    Here are a few things to keep in mind during your Germany trip:
    You need to make sure that your passport is valid for another 3 months beyond the initial departure date from Germany.
    Make sure that you are carrying a travel insurance policy worth a minimum of €30,000.
    If you are currently employed in your country of residence, you require a NOC (No Objection Certificate) from your employer and salary slips as proof.
    Make sure to carry cash (Euros) in Germany, as many small shops, cafés and restaurants there require you to pay in cash. 
    Germans are big on punctuality, so always make sure to arrive just a few minutes beforehand to avoid missing any trains and buses.
     

    What Are the Top Places to Visit in Germany?

    Now that you have prepared for a journey, it is time to plan your sightseeing itinerary. Here are a few of the top places in Germany that you should visit when on a trip to the place: 

    Top Places What to Explore

    Berlin 

    Germany's capital, Berlin, has a rich history, world-famous landmarks, and fascinating museums. 

    Munich

    This place is known for Bavarian traditions, beer gardens, beautiful architecture, cultural festivals and its proximity to several castles. 

    Neuschwanstein Castle

    This is a fairy-tale castle inspired by Disney, and the place offers breathtaking views, historic interiors and picturesque surroundings.

    Hamburg

    It is a major port city which features scenic waterfronts, impressive architecture, historic warehouses, and excellent seafood.

    Cologne

    The place is famous for its magnificent cathedral, charming old town, cultural attractions and a vibrant local atmosphere. 

    Black Forest 

    This is yet another picturesque region which has dense forests, charming villages, scenic hiking trails and breathtaking natural beauty.

    Dresden

    The place is renowned for its baroque architecture, art museums, historic landmarks, and remarkable post-war achievements.

    Rhine Valley

    Visitors can enjoy vineyard-covered hills, river cruises, spectacular landscapes and charming towns. 

    Heidelberg

    The place has a university town and features cobblestone castles, rich academic heritage and scenic river views.

    Zugspitze

    This is Germany's highest mountain and offers panoramic views of the Alps, unforgettable outdoor adventures and cable car rides.

    Step-by-Step Guide

    How To Buy, Claim and Renew Bajaj Travel Insurance?

    How to Buy

    • 1

      Download the Bajaj General Mobile App and use your login credentials

    • 2

      Select the travel insurance option by providing necessary details

    • 3

      Allow the application to process your information & get quotes

    • 4

      Choose the plan aligning with your travel itinerary & include add-ons

    • 5

      Finalise the plan selection and complete the payment process

    • 6

      Insurance policy & receipt will be promptly delivered to your email ID

    How to Extend

    • 1

      Please reach out to us for policy extensions

    • 2

      Phone +91 020 66026666

    • 3

      Fax +91 020 66026667

    Cashless Claim

    • 1

      Applicable for overseas hospitalization expenses exceeding $ 500

    • 2

      Submit documents online for verification.

    • 3

      Upon verification Payment Guarantee to be released to the hospital

    • 4

      Please complete necessary formalities by providing missing information

    Reimbursement

    • 1

      On complete documentation receipt, reimbursement takes approx. 10 days

    • 2

      Submit original copies (paid receipts only) at BAGIC HAT

    • 3

      Post scrutiny, receive payment within 10 working days

    • 4

      Submit incomplete documents to our document recovery team in 45 days

    • 5

      Policy deductible will be applicable as per policy copy

    Frequently Asked Questions on Travel Insurance

    Is travel insurance mandatory for visiting Germany?

    Yes, travel insurance for Germany is mandatory for Indian travellers applying for a Schengen visa. It ensures financial protection against medical emergencies, accidents, or trip issues. Bajaj General Insurance offers compliant plans tailored for Schengen travel needs.

    What is the minimum coverage requirement for travel insurance to Germany?

    Germany, as part of the Schengen area, requires travel insurance for Germany from India with a minimum coverage of €30,000 for medical expenses, emergencies, and repatriation. Buying from Bajaj General Insurance ensures compliance and peace of mind.

    Can I buy German travel insurance online from India?

    Yes, you can purchase German travel insurance from India through Travel Insurance Online. Bajaj General Insurance provides instant quotes, a simple application, and quick policy issuance to safeguard your international travel.

    Does my Germany travel insurance cover COVID-19 expenses?

    Most modern international travel insurance plans include COVID-19 hospitalisation and treatment expenses. Bajaj General Insurance provides coverage under travel insurance for Germany, ensuring your trip remains financially secure even during health emergencies.

    How much does Germany travel insurance cost for Indian travellers?

    The price of travel insurance for Germany from India depends on trip duration, coverage, and the traveller’s age. Bajaj General Insurance offers affordable options with comprehensive benefits for medical and non-medical emergencies.

    Do I need travel insurance for a German student visa or a Schengen visa?

    Yes, students applying for long-stay or Schengen visas must show proof of travel insurance for Germany. Bajaj General Insurance offers customised, student-friendly plans that cover tuition, medical expenses, and emergencies.

    Will my policy cover emergency medical evacuation in Germany?

    Yes, Germany travel insurance from India covers emergency medical evacuation to the nearest suitable hospital or repatriation if required. With Bajaj General Insurance, such costs are handled without burdening travellers financially.

    Can I extend my Germany travel insurance if my stay is prolonged?

    Yes, international travel insurance plans can be extended. Bajaj General Insurance allows extensions if requested before the policy expires, ensuring uninterrupted travel insurance coverage for Germany.

    How can I purchase a German travel insurance policy?

    You can visit our website and choose international travel insurance under the products section to acquire travel insurance online for Germany. You will be prompted to enter personal information and choose the level of coverage you desire on the following page.

    How much should I spend on a German travel insurance policy?

    The price of the best travel insurance for Germany will vary depending on some variables, such as the length of your stay there and the sum assured that you choose when purchasing the policy. If you plan to visit Germany with your family, it is advised to choose an acceptable sum assured so that there is sufficient coverage for all of them during the trip.

    Is purchasing a medical travel insurance Germany plan required?

    Yes, having current medical travel insurance is required for Germany as one of the requirements for applying for a Schengen Visa. Therefore, you must choose an appropriate medical travel insurance plan for Germany before your trip to protect yourself financially from unfortunate circumstances.

    Which is the best travel insurance plan for Germany from India?

    The best plan is one that balances affordability and coverage. Bajaj General Insurance offers customised travel insurance for Germany from India, with options for students, families, senior citizens, and businesses.

    What is covered under German travel insurance?

    Typical coverage includes hospitalisation, trip delays, cancellations, baggage loss, passport replacement, and emergency evacuation. Buying travel insurance for Germany ensures your financial safety during unforeseen events abroad.

    What are the common exclusions in Germany travel insurance policies?

    Exclusions include pre-existing conditions, self-harm, drug/alcohol misuse, or high-risk activities unless covered by add-ons. Always review policy wordings before buying Germany travel insurance from India.

    Does my policy include adventure sports coverage in Germany?

    Basic travel insurance for Germany excludes risky sports. However, Bajaj General Insurance offers add-ons for adventure activities, ensuring wider protection during outdoor experiences.

    Is cashless hospitalisation available under German travel insurance?

    Yes, Germany travel insurance from India includes worldwide cashless treatment at empanelled hospitals. Bajaj General Insurance ensures seamless medical assistance for emergencies abroad.

    Can I get multi-trip coverage for frequent travel to Germany?

    Yes, Travel Insurance Online offers multi-trip policies, ideal for frequent business travellers. Bajaj General Insurance provides cost-effective annual international travel insurance for unlimited trips.

    How do I file a claim under my Germany travel insurance policy?

    To file a claim, contact Bajaj General Insurance’s 24x7 helpline, submit claim forms, hospital bills, passport copies, and related documents. The claim process for travel insurance for Germany is smooth and quick.

    What documents are needed to claim medical expenses in Germany?

    For medical claims, you must provide hospital invoices, prescriptions, passport copies, policy number, and boarding passes. Germany travel insurance from India ensures your expenses are reimbursed or settled cashless.

    Will my policy cover trip cancellation or curtailment in Germany?

    Yes, travel insurance for Germany covers financial losses due to cancellations or curtailments caused by emergencies. Bajaj General Insurance reimburses non-refundable costs like flight tickets or hotel bookings.

    Does Germany travel insurance cover loss of passport or travel documents?

    Yes, international travel insurance protects against expenses for replacing lost passports or essential documents. Bajaj General Insurance helps with documentation and provides financial support under travel insurance for Germany from India.

    Can I claim for delayed or lost baggage in Germany?

    Yes, Germany travel insurance from India compensates for delayed or lost baggage. You receive reimbursement for essentials, reducing stress during your trip.

    How long does it take to process a German travel insurance claim?

    Most claims under travel insurance for Germany are processed within 7–10 working days. With Bajaj General Insurance, timelines are quick if documents are submitted correctly.

    Are pre-existing illnesses covered in Germany travel insurance claims?

    Generally excluded, though some international travel insurance policies may offer limited coverage if declared upfront. It’s best to confirm terms with Bajaj General Insurance before travelling to Germany.

    How can I renew my Germany travel insurance policy?

    Renewal for travel insurance for Germany from India is simple. Log in to Bajaj General Insurance’s portal, select renewal, pay the premium, and download the updated policy instantly.

    Can I renew my travel insurance if I am already in Germany?

    Yes, renewal of Germany travel insurance from India can be done online, depending on policy terms. Request before expiry to avoid gaps in coverage.

    Is there a grace period for renewing my Germany travel insurance?

    Some international travel insurance plans allow short grace periods. It’s recommended to renew before expiry to avoid interruptions.

    Will the premium change upon renewal?

    Yes, premiums for Germany travel insurance from India may vary depending on age, travel duration, and claims history. Bajaj General Insurance ensures fair pricing.

    Can I extend coverage if my Germany visa validity is increased?

    Yes, travel insurance for Germany can be extended alongside visa extensions. Contact Bajaj General Insurance before the policy expires to modify it.

    Do I need to submit any documents to renew my Germany travel insurance?

    Usually, renewal requires no fresh documents. For extended coverage or add-ons, proof of travel may be requested by Bajaj General Insurance.

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