Travel Insurance for Germany

Purchasing travel insurance for Germany is mandatory to get a Schengen visa and plan a trip to this beautiful country. It offers financial protection and peace of mind, allowing you to explore different places, from historic cities to scenic landscapes, without worrying about potential risks.

Whether you are visiting Germany for a short holiday or an extended vacation, having the best travel insurance for Germany ensures you are covered for medical emergencies and other unprecedented incidents.

Reliance General Insurance offers comprehensive travel insurance plans for Germany. Our plans are curated to offer holistic coverage benefits, including protection against medical emergencies, passport loss, baggage loss, trip delay and personal liabilities. With your #TravelKaYaar, you can enjoy your trip without any worries.

Is Travel Insurance for Germany Mandatory?

If you are travelling to Germany, even for a short duration, purchasing travel insurance is mandatory. It is considered a travel health insurance plan for travellers entering Germany.

Germany is one of the 29 Schengen countries. A Germany travel insurance policy is important, especially if you want to apply for a German Schengen visa to enter Germany. You need to have the necessary coverage for the entire duration of your stay in Germany, regardless of the purpose of your travel.​

In addition to being a mandatory Schengen visa document, you also need travel insurance for Germany for the following reasons -

1. To cover emergency medical treatments

2. To cover medical evacuation and repatriation

3. To cover non-refundable expenses in case of trip cancellation or interruption

4. To cover legal and compensatory expenditures in case of third-party liabilities

5. To cover the cost of passport re-issuance or other necessary support in case of loss or damage to the existing passport

Compulsory Germany Travel Insurance Requirements

Coverage

Travel insurance for Germany should provide coverage of EUR 30,000 for medical expenses. It is mandatory to ensure sufficient financial support for medical treatments during emergencies while travelling and staying in Germany.

Policy Duration

Germany travel insurance coverage should apply for the entire duration of the trip, including the travel dates and the length of stay. As we discussed previously, it is important to have a valid travel insurance plan for the entire duration of your stay in Germany for visa approval.

Validity

The travel insurance plan purchased for Germany should not be valid just for Germany but should also cover all the Schengen member countries. For this reason, travel insurance plans are generally offered as Schengen Travel Insurance, covering all Schengen countries under a single policy.

Types of Travel Insurance for Germany​

Benefits of Buying Travel Insurance for Germany

Here are the top reasons why you need travel insurance for Germany.

Visa Requirement

To apply for a valid visa, you need to have the necessary coverage for the entire duration of your stay in Germany, regardless of the purpose of your travel.

Trip Interruptions, Delays or Cancellations

Travel insurance provides extensive coverage for unforeseen circumstances, such as personal or family emergencies, flight-related technical difficulties, etc. that can result in trip interruptions and cancellations.

Medical Emergencies

Valid travel insurance for Germany will provide ample financial support in case of unexpected medical emergencies when overseas to reduce your financial stress without compromising on quality treatments.

Loss of Baggage or Passport

Losing your personal belongings and documents can leave you stranded in Germany. Thus, with travel insurance, you can avail of the necessary coverage and support in case you lose your passport. Moreover, you also receive due compensation for the lost baggage to ensure your savings are intact.

Third-Party Liabilities

Regardless of how careful you are with your actions when in Germany, you might cause unintentional damage or loss to a third party or their property, which can result in hefty out-of-pocket expenses. Here, travel insurance acts as a safety net to cover any legal and compensatory costs applicable to you to reduce your financial burden.

Reliance Travel Insurance for Germany

Reliance General Insurance provides customisable Schengen Travel Insurance plans tailored to meet the unique needs of travellers visiting the Schengen Countries, which includes Germany. Our plans ensure you are well-prepared for any unprecedented incidents during your trip to Germany.

We offer varied plan options under the Schengen Travel Insurance policy. Let us explore the coverage features and limits.

Features of Reliance Germany Insurance

Coverage for Medical Expenses:

• Medical Expenses, including transportation and Evacuation - Up to USD 500,000

• Dental Treatment - Up to USD 500

Accident-related Expenses:​

• ​Personal Accident - Up to USD 30,000

• Accidental Death - Common Carrier - Up to USD 5,000

Loss and Delay of Checked-in Baggage and Loss of Passport:​

• Loss of Passport - Up to USD 300

• Total Loss of Checked-in Baggage - Up to USD 1,500

• Delay of Checked-in Baggage - Up to USD 100

• Trip Delay - Up to USD 60/day (maximum 6 days)

Others

• Personal Liability - Up to USD 200,000

• Home Burglary Cover - Up to INR 300,000

• Compassionate Visit - Cost of return for any one companion, spouse, child or family doctor

Reliance Germany Insurance: Inclusions & Exclusions

Inclusions

• Accidental injuries

• Emergency medical evacuation expenses

• Death or permanent disability due to an accident

• Total loss of baggage

• Expenses incurred to obtain a duplicate or fresh passport

• Transportation of Mortal remains from Germany to India

• Third-party liabilities

• Acute anaesthetic dental treatment due to an injury during your Germany trip

• Return ticket fare expenses for a family member if you are hospitalised beyond 7 days

• Medical coverage for sudden medical emergencies

Exclusions

• Self-inflicted injuries

• Travelling against the advice of a doctor

• Claims for undeclared pre-existing diseases or illnesses

• Wars and nuclear attacks

• Carelessness with passport leading to theft or misplacement issue

• Delay or partial loss of checked-in baggage

How to Buy Reliance General Travel Insurance for Germany?

• Step 1: Visit our official website.

• Step 2: Under the "Explore Products" tab, click on "Schengen Travel Insurance".

• Step 3: On the new webpage that appears, under "Get Quote", choose the Travel Type and click on "Next". The three Travel Type options available are Individual, Family and Annual Multi-Trip.

• Step 4: Now, provide details of your travel duration, select the region as Asia & Schengen, and submit other personal information as prompted. Next, choose the sum insured and the applicable premium will be displayed.

• Step 5: Click on "Buy Now". Provide further information about your trip and personal details.

• Step 6: Choose a suitable payment method and make the payment for your travel insurance for Germany from India.

Upon approval, you will receive your Germany travel insurance at your registered email address.

Benefits of Buying Germany Travel Insurance Online

1. Convenient - Buying a travel insurance plan for Germany online is highly convenient as you can do it from anywhere without having to pre-book appointments and stand in long queues.

2. Quick - As opposed to the traditional process of submitting physical documents to buy a travel insurance policy, you can do the same faster with the online procedure in just a few quick steps. You can upload the documents instantly when purchasing any travel insurance plan.

3. Better Policy Comparisons - With the online process, you can compare premiums for different insurance plans online without having to consult professionals and book in-person appointments. Many insurers offer convenient online calculators to help you find suitable travel insurance from the comfort of your home.

4. Paperless Policies - The need to maintain proper physical documentation of the application form and supporting documents is eliminated with the online purchase process. Thus, you can benefit from paperless policies no matter where you are, reducing the hassle of managing documents.

5. Instant Issuance - As the online process allows you to apply for and obtain travel insurance online, the time taken to purchase it reduces significantly. You just need to follow some simple steps and get your chosen travel insurance plan instantly.

How to Raise a Claim under Germany Travel Insurance?

Inform Reliance General Insurance

Inform us of th​e details of the unexpected incident and your claim to Reliance General Insurance within 24 hours of its occurrence. You can connect with the Claims Helpl​ine, Europ Assistance, for international travel insurance to inform your claim and receive assistance on the specific procedure, if applicable.

Gather all the Required Documents

The documents required for a German travel insurance claim differ based on the type of claim, such as loss of baggage, accidental death, accidental permanent total disability, or medical emergencies.

Here are some of the common documents required, along with specific documents needed based on the type of claim:

Common Documents

• Original claim form, duly filled and signed.

• Copy of boarding pass and ticket

• Proof of identity and address (Passport, Aadhar Card, PAN, Driving Licence)

• Confirmation letter from the Airlines detailing the incident

• Original cancelled CTS 2010-compliant cheque

Documents Required for Loss of Checked-in Baggage

• In the event of loss or theft, the original FIR

• Receipts of any valuable items, if available

Documents Required for Accidental Death or Permanent Total Disability

• Copy of FIR

• In case of death, a copy of the post-mortem examination report

Documents Required for Medical Emergencies

• Medical investigation reports

• Discharge summary

• Hospital bills

Please Note:

• You should have completed the KYC process according to the AML/ CFT guidelines to be applicable for the travel insurance claim.

• The documents required can differ for the specific circumstances and need careful examination before submitting the claim.​

Submit your Claim

Submit your claim form with the required documents and make yourself available for any further clarifications.

Claim Settlement

Upon examining your claim form and the supporting documents, Reliance General Insurance will contact you regarding the approval or any further considerations. If the claim is approved, the applicable benefits will be provided.

Cost Range for Travel Insurance to Germany

The cost of premiums for travel insurance for your next Germany trip depends on multiple factors that vary from person to person. Based on your requirements and budget, the premiums can go lower or higher. Let us understand these factors below.

Required Coverage

For a German visa, having a minimum coverage of EUR 30,000 for medical emergencies is compulsory. However, in addition to this, you must assess your coverage requirements in regard to the financial protection you require for other unforeseen circumstances.

For instance, the cost for individual plans compared to family plans will be different. This will allow easy policy comparison and help you choose the add-ons you wish to combine with your base policy, directly impacting the cost of travel insurance.

Duration of the Trip

Depending on the number of days you wish to stay in Germany, your travel insurance premium can vary. For shorter trips, the premium may be lower than for longer trips, which will require more coverage to safeguard your out-of-pocket expenses.

Additional Requirements

In addition to required trip coverage and duration, your specific requirements also impact the cost of travel insurance plans for Germany. For instance, if you require higher coverage for medical emergencies or a pre-existing condition, your premiums for travel insurance may be higher.

Tips to Buy Best Travel Insurance for Germany?

Coverage

Analyse your coverage requirements based on your trip duration, itinerary, number of companions, pre-existing medical conditions, valuables carried and other aspects specific to your travel plan. Based on this information, you can determine the required sum insured for your travel insurance for Germany.

Compare Features and Benefits

Research and find the different insurance providers offering Schengen Travel Insurance plan options and compare their features and benefits. Shortlist plan options that suit your requirements, as analysed in the previous step.

Flexibility

Apart from the standard features and benefits, you can also benefit from add-on options to enhance the coverage of your holiday insurance for Germany. Check for these options that can cater to your specific needs for customised coverage.

Inclusions and Exclusions

Every plan option for travel or tourist insurance for Germany will have specific inclusions and exclusions. Examine these inclusions and exclusions carefully to ensure that the plan options chosen can cover your requirements.

Purchase and Claim Processes

Understand the purchase and claim processes applicable to the Schengen Travel Insurance plan options.

Seek an insurance provider who offers a convenient and less time-consuming online purchase and claim process to ensure access to timely benefits when you are in extreme circumstances.

You can read customer testimonials and market reviews to find reputable insurance providers.

Premium Rates

After assessing your coverage requirements, features and benefits, inclusions and exclusions applicable to the specific Schengen Travel Insurance plans that you have chosen, compare the premium rates.

Choose a German travel insurance plan that will ensure adequate coverage at an affordable premium, balancing both comprehensive coverage and cost-effectiveness.

Germany Visa and Entry Information

Types of Visas for Germany

Application Process for Germany Visa

• Visit the official website of VFS Global for Germany trips.

• Click on "Begin your Application" from the main page and then select the "Short-Term" option.

• You will be redirected to a new webpage, where you must fill out the application form by providing the necessary personal and trip details.

• Once you have completed the application form, submit it by following the provided steps and go back to the VFS Global webpage.

• You need to book an appointment by clicking on the "Book your Appointment" option. To do this, you will need to log in to the portal and select the closest visa application centre, date, and time according to your preference.

• After booking the appointment, visit the Visa Application Centre to submit the application form and other required documents to the authorised officer.

• You must also give your biometric information and pay the fee for your visa application at the VAC.

• Once you have completed this, you can track your application status using the VFS Global website and collect your passport after your visa is approved.

List of Documents Required for Germany Visa

• A duly filled and signed Schengen visa application form

• Valid proof of travel insurance

• One clear passport-size photograph, not older than 6 months

• Proof of flight tickets

• Proof of accommodation bookings

• Proof of funds - bank statements, salary slips, etc.

• A passport with a validity of at least three months and 2 blank pages

• Detailed travel itinerary

Embassy of Germany in India

Tips to Avoid Germany Visa Rejections

1. Ensure accurate information on the application form.

2. Submit all the required documents carefully to avoid any gaps.

3. Ensure your bank account has sufficient funds as required for the visa application.

4. Review your visa application form and documents to ensure all the information provided is correct and in sync, as any gaps can result in visa rejection or delay.

5. Invest in a travel insurance plan with adequate coverage as required for the visa application.

6. Clearly state the purpose of your visit to ensure clarity.

Interesting Facts About Germany

1. Germany is the seventh largest country in Europe.

2. The country is home to over 25,000 castles.

3. Germany is the first country to launch a printed book, "The Latin Language Bible", by Johann Gutenberg.

4. Germany holds a Guinness World Record of the narrowest street in the world located in Reutlingen.

5. Germany is also home to the tallest church building, Ulm Minster, in Ulm.

6. The longest word in German consists of 79 letters.

7.  In Germany, you can explore 1500 types of beers, 1000 types of sausages, and 300 types of bread.

8. German is the local language of Germany and is also the third most popular language taught worldwide.

9. Approximately one-third of the country is covered in woodlands and forests.

10. The largest train station in Europe is located in Berlin, Germany.

11. Germany is one of the largest car-producing countries in the world, with a minimum annual sales volume of 6 million units.

12. There are over 400 zoos in Germany.

13. The Christmas tradition of families decorating their Christmas trees was initiated by Germany.

14. The famous Oktoberfest festival in Germany actually takes place in September.

Best Time to Visit Germany

Money-Saving Tips for Germany

1. Bikes - The best way to explore Germany is by bike. You can either rent a bike or opt for any bike-sharing option to save on transportation expenses while catching beautiful sights around the country.

2. Accommodation Options - Instead of booking a hotel, opt for alternative accommodation options like shared hostels, Airbnb, service apartments, or shared guesthouses to save money without compromising the trip experience.

3. Tourist Attractions - Do some research prior to your trip to find all the free tourist attractions available in Germany. This can either be free entry locations or destinations with specific days or times for free entry. You can also try booking online to explore some discounts to save money.

4. Travel Season - Be flexible with your travel dates, and plan your trip around the shoulder or low season of Germany to benefit from cheaper flight tickets and accommodation bookings.

5. Food and Shopping - Try the local cuisines of Germany from local vendors to score some budget-friendly but soulful food. Moreover, you must shop from the local businesses that offer quality products at affordable prices.

Year-Round Essentials for Germany

Germany is one of the most-visited countries in Europe. One of the primary reasons behind this year-long demand is the variety of adventures and activities available in Germany for all weather conditions and travellers.

However, no matter when you plan to visit Germany, here are some essentials to keep in mind.

1. Packing Tips - Even though month-wise weather conditions are usually predictable, there might be unexpected rains or sunny weather on random days. Thus, when packing for your trip, keep these changing weather conditions in mind and pack clothes accordingly.

2. Adapter - Germany has a specific plug type for electronics. Thus, for your next trip to Germany, you must buy your own adapter to use electronics of your choice in the country without any hassle.

3. Sun Protection - No matter the season and weather, apply sunscreen at all times to avoid sun damage.

4. First-Aid - Germany is well-equipped with medical facilities for any urgent medical requirements. However, it is always recommended to carry the essential first-aid items in your baggage to stay safe.

5. Packing Tricks - Do not pack your suitcases to the brim, as that limits your purchasing options. Instead, plan and carry only the essentials and shop from local markets once in Germany for any requirements.

6. Comfortable Footwear - As a pedestrian-friendly country, Germany offers multiple walking tours, guided and self-paced, to allow travellers to explore the country on foot. Thus, when packing footwear, carry easy slip-ons, sports shoes, sneakers, and ballet flats to avoid straining your feet while exploring the breathtaking sites in the country.

Germany Safety and Precautions

• Germany has a low crime rate, but remains vigilant in crowded areas like tourist spots, public transportation and popular events.

• Petty crimes such as pickpocketing and bag snatching can occur, so keep your belongings secure.

• The emergency number in Germany is 112 for medical assistance, fire or police.

• Familiarise yourself with local laws and customs; jaywalking, for example, can result in fines.

• Carry a copy of your passport and visa while leaving the originals in a secure place.

• Travel insurance is mandatory to cover any unforeseen medical expenses or trip disruptions.

• Stay informed about any travel advisories or safety updates from reliable sources to ensure a smooth and safe journey in Germany.

Popular Destinations in Germany

• Neuschwanstein Castle

• The Cologne Cathedral

• Heidelberg Castle

• Berlin

• Munich

• Miniature Wonderland

• The Palm Garden

• Sanssouci Park and Palace, Potsdam

• The Black Forest

• The Island of Rugen

• King's Lake

• Berlin's Museum Island

• Insel Mainau - The Flower Island

Also Read:Places to visit in Europe

Best Things to Do/Experience in Germany

• Explore Berlin: Visit landmarks like the Brandenburg Gate, Berlin Wall and Reichstag Building, and enjoy the vibrant art scene and diverse cuisine.

• Neuschwanstein Castle: Discover this fairy-tale castle in Bavaria, the inspiration for Disney's Sleeping Beauty Castle.

• Oktoberfest in Munich: Experience the world's largest beer festival with traditional Bavarian music, food and beer.

• Romantic Road: Drive along this scenic route, featuring medieval towns, castles and stunning landscapes.

• Black Forest: Hike or bike through dense forests, scenic trails and charming villages, and try the famous Black Forest cake.

• Cologne Cathedral: Admire the Gothic architecture and enjoy panoramic city views from the tower.

• Hamburg's Port: Explore the historic port, take a boat tour and visit Miniatur Wunderland, the world's largest model railway exhibition.

• The Rhine Valley: Cruise through vineyards, castles and picturesque towns like Bacharach and Rüdesheim.

• Saxon Switzerland National Park: Hike through unique rock formations and enjoy breathtaking views.

• Christmas Markets: Visit festive markets in cities like Nuremberg, Dresden, and Frankfurt for traditional crafts, food, and holiday spirit.

Frequently Asked Questions On Germany Travel Insurance

What travel insurance do I need to visit Germany?

To visit Germany, you need a travel insurance plan with a coverage of EUR 30,000 for medical expenses. The plan should also cover the entire duration of your stay and be valid across all Schengen countries.

How much does travel health insurance in Germany cost?

The premium rate of travel insurance for Germany depends on various factors, such as the age of travellers, duration of stay, and type of coverage, whether Basic Plan or Standard Plan.

Is a medical check-up mandatory for a travel insurance plan for Germany?

The processes and documents required to purchase travel insurance for Germany differ between the insurance providers. Reliance General Insurance does not mandate a medical check-up for the applicants until the age of 80 years to receive the policy.

Can I buy travel insurance for Germany if I have pre-existing medical conditions?

Yes, you can buy travel insurance for Germany if you have pre-existing health conditions. However, it is important to inform your insurance provider regarding your health issues while applying for the health insurance policy. A claim raised based on undisclosed health conditions can lead to rejections later when you are in extreme need.

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%.