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Travel Insurance for Germany
Germany, officially called the Federal Republic of Germany, is a country in the central region of Europe. It is among the top international holiday destinations in the world, known for its diverse range of tourist attractions. Whether you want to spend some time in the beautiful countryside or take a tour of the various historical and natural landmarks, the country offers tons of sightseeing opportunities to its visitors. When planning your next European vacation to this country, consider investing in good international travel insurance .
Travel insurance for Germany will keep you financially covered against a number of contingencies that may happen during your trip. Continue reading further for additional information on this matter.
Key Features of Travel Insurance Germany
Here is a list of some of the important features of Germany travel insurance;
| Key features | Details |
| Maximum coverage | Offers coverage against various unforeseen events, like medical, travel and baggage-related emergencies. |
| Constant support | Round-the-clock assistance via 24x7 customer care support and in-house claim settlement. |
| Easy cashless claims | Offers cashless claims benefits accessible through multiple network hospitals. |
| COVID-19 coverage | Coverage for hospitalisation expenses caused by COVID-19. |
| Massive cover amount | Extensive coverage range from $40k to $1000K. |
Types of Travel Insurance for Germany
The type of Germany travel insurance you choose should be based on your travel requirement. Here are the main choices that are offered;
Travel Plans for Individual
For solo adventurers around the globeThis type of international travel insurance covers solo travellers against medical, baggage and travel-related contingencies.
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Travel plan for Families
For the happy family tripsThis type of international travel insurance offers coverage to multiple members of a family during a trip under a single policy.
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Travel plan for Students
For the ones who are far from homeThis type of international travel insurance is designed to offer coverage to students travelling abroad for education-related purposes.
Travel plan for Frequent Fliers
For jet setters dreaming beyond known boundariesThis type of plan is designed to offer coverage to senior citizens during their international holidays.
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Travel Plan for Senior Citizens
For the ones young at heartThis policy will help secure multiple trips under one international travel insurance plan within a specified period.
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Benefits of Buying Travel Insurance Germany Plan
Investing in Germany travel insurance has tons of benefits. Some of the crucial ones are explained below:
1
Financial Peace
International travel insurance provides financial peace by offering coverage for unexpected circumstances, reducing stress and financial burden.
2
Cashless Benefits
Germany travel insurance includes cashless medical assistance, ensuring you can receive treatment at network hospitals without worrying about upfront payments.
3
Quick Assistance
Enjoy 24x7 customer support and efficient claims processing with Germany travel insurance, ensuring a hassle-free trip.
4
Baggage Security
Protect your belongings from delays, loss, or damage during your international journey by purchasing Germany trip insurance.
5
Comprehensive Medical Coverage
Germany travel insurance covers various medical expenses, including emergency medical care, dental costs, evacuation, repatriation, and more.
5
Journey-Related Complications
Get coverage for unexpected situations like flight delays, personal liability, and hijack distress allowance, enhancing your travel experience.
Thinking about visiting France for your next European holiday? Secure your trip now with international travel insurance by HDFC ERGO.
What's Covered under Travel Insurance for Germany from India?
Here are some of the things that are usually covered under Germany travel insurance for Germany from India;
Medical emergency-related expenses
Our policy covers the costs related to medical emergencies, so you don’t have to break your pocket during your trip.
Dental emergency-related expenses:
Germany travel insurance also covers the expenses related to dental emergencies that you may face.
Medical evacuation
In case of medical emergencies that require immediate care, our policy helps by covering the expenses related to air/land medical evacuation to the nearest healthcare centre.
Hospital daily cash allowance
Our policy also helps you to take care of petty hospitalisation-related expenses, so you don’t have to exceed your travel budget.
Medical and body repatriation
In the tragic event of death, our policy will be responsible for covering the expense of transferring one’s mortal remains to their home country.
Accidental death
In the unfortunate event of accidental death while travelling, our policy will offer a lump-sum compensation to your family.
Permanent disablement
To ease your burden if an unforeseen occurrence results in permanent disability, the policy will offer you a lump sum compensation.
Personal liability
If you find yourself responsible for third-party damage in a foreign country, our policy will make it simple for you to compensate for those losses.
Financial emergency assistance
In case you experience a cash crunch caused by theft or robbery, our policy will help facilitate emergency fund transfers from India.
Hijack distress allowance
In case your flight gets hijacked, we will do our part by offering compensation for the distress it causes you while the authorities handle the situation.
Our Germany travel insurance offers a reimbursement feature that will help you cover the expenses related to essential purchases arising out of a flight delay.
Hotel Accommodations
In case you need to extend your hotel stay due to a medical emergency, our policy will cover those additional expenses.
You will be covered for the expense of replacing lost or stolen personal documents and belongings with our Germany travel insurance.
Our policy will offer you compensation in case of loss of checked-in baggage. So, don’t worry about spending your Germany trip in the absence of your essentials.
In case your check-in baggage gets delayed, our policy will cover the essentials purchases while things get sorted.
What's Not Covered Under Travel Insurance for Germany from India?
Your travel insurance for Germany from India policy may not offer coverage for;
Breach of Law
Health complications that are caused due to war, terrorism or breach of law are not covered under the travel insurance plan.
Consumption of intoxicants
If you use intoxicants or banned substances, the Germany travel health insurance plan will not offer any coverage.
Pre-existing diseases
If you have a medical condition prior to the trip or receive treatment for a pre-existing disease, the plan will not cover those expenses.
War or terrorism
Injuries or health complications suffered due to terrorism or war.
Self-inflicted injury
Injuries as a result of intentional harm or suicide attempts are not covered under international travel insurance.
Adventure sports
The policy will not cover injuries and hospital expenses that are caused as a result of participating in hazardous activities and adventure sports.
Obesity and cosmetic treatment
During the foreign country trip, if you or a family member choose to receive cosmetic or obesity treatment, those associated expenses will not be covered under the plan.
How to Buy Travel Insurance Policy For Germany Online?
• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.
• Enter traveler details, destination information, and trip start and end dates.
• Choose your preferred plan from our three tailored options.
• Provide your personal details.
• Fill in additional details about the travelers and proceed to pay using online payment methods.
• All that's left to do is- download your policy instantly!
Don’t let medical emergencies abroad drain a hole in your travel budget. Keep yourself financially covered against emergency medical and dental expenses with travel insurance.
Interesting Facts About Germany
| Categories | Specification |
| Cultural Heritage | Germany's historic cities seamlessly blend centuries-old charm with modern vibrancy. |
| Efficiency and Engineering | Home to automotive giants, Germany sets global standards in precision engineering and innovation. |
| Scenic Landscapes | Explore the Black Forest's picturesque villages, dense woodlands, and timeless charm. |
| Culinary Delights | Indulge in hearty stews, sausages, and iconic pretzels for an authentic German culinary experience. |
| Innovations and Technology | Germany's commitment to research and development places it at the forefront of technological advancements. |
| Historical Landmarks | The Brandenburg Gate stands as an iconic symbol of German unity, while Neuschwanstein Castle captivates with fairytale allure. |
Documents required for the Germany Tourist Visa
Here are the examples of documents that you will need to produce for the Germany tourist visa;
• Fully completed and signed Germany tourist visa application form,
• Valid passport,
• A couple of recent passport-sized photographs,
• Proof of accommodation,
• Proof of roundtrip itinerary or reservation,
• Travel health insurance,
• Invitation letter from your host in Germany,
• Proof of financial means,
• Proof of employment status,
• Birth certificate and letter of consent from both parents (only for minors), and
• Additional documents (if needed).
Best Time to Visit Germany
Generally, both spring and summer are considered the best time to visit Germany for tourism purposes. Spring in the country stretches from March to May, bringing a warm touch to the weather after a chilly winter season. The temperature peaks around 14°C in mid-April and around 19°C in May. It is a great time for exploration, sightseeing and adventure activities like trekking, hiking, mountain biking, etc. The cherry blossoms in full bloom are another highlight of travelling to Germany in spring.
Summer, which stretches from June to August, offers a more pleasant overall temperature and weather conditions. The northern region can be a bit chilly due to the Baltic Sea blow winds, while the southern region stays comparatively warmer. It is a great time for sightseeing and exploring the countryside of Germany. Renowned events like the Berlin Culture Festival and Carnival, Schutzenfest Hannover, Freiburg Wine Festival, etc., are held during this period.
To know more about the best time, climate, temperature and other factors before visiting Germany. Read our blog on Best time to visit Germany.
All Year-Round Essentials for Germany
1. Passport and travel documents, including Schengen visa if required, and travel insurance information.
2. Comfortable walking shoes for exploring cities and countryside.
3. Sunglasses and sunscreen for summer.
4. Reusable water bottle to stay hydrated.
5. Camera and electronic chargers/adapters.
6. Lightweight SPF sunscreen, breathable clothing and sandals for Summer.
7. Light jacket, scarf or cardigan for cooler evenings to add warmth.
Germany travel: safety and precautionary measures to be undertaken
• Be aware of your surroundings.
• Keep your purses, personal documents and other valuables secure, especially in crowded tourist areas.
• Use only officially marked taxis
• Always carry with you the contact details of the Indian embassy.
• For up-to-date information on 'safe' and 'unsafe' areas of the city, consult with your hotel manager or local tourist information officer.
Covid-19 travel specific travel guidelines
• Wear a face mask in public places and while using public transportation.
• Maintain personal hygiene and safe distancing in crowded tourist areas.
• Learn about the latest regional Covid-19 guidelines and rules and follow them.
• Comply with the local authorities if you develop any symptoms.
List of International Airports in Germany
| City | Airport Name |
| Frankfurt | Frankfurt International Airport |
| Berlin | Berlin Tegel Airport |
| Hamburg | Hamburg Airport |
| Dortmund | Dortmund Airport |
| Cologne | Cologne Bonn Airport |
Let travel insurance handle the additional expenses caused by extended hotel stays due to medical emergencies. Click here to know more!
Popular destinations in Germany
Here are some of the most popular travel destinations in Germany that you can add to your trip itinerary;
1
Berlin
Berlin is the largest as well as the capital city of Germany. Home to over 3.7 million individuals, it is often the starting point of most Germany travel plans. Berlin is a city covered in history and has numerous renowned tourist sites and cultural attractions. From taking a tour of the beautiful Berlin Cathedral to having a glass of chilled beer at one of the many renowned bars, there are a lot of things you can do during your visit to this city. The major tourist attractions of Berlin are Reichstag, Museum Island, Gendarmenmarkt, Victory Column, Berlin Wall Memorial, etc.
2
Munich
Nestled on the banks of the beautiful Isar River, Munich is the third largest city in the country. It is an ideal location in Germany where you can find a unique blend of rich history, culture, traditions and modern development. Home to the world-class football club, FC Bayern Munich and the central headquarter of BMW, Munich is also one of the most visited cities in Germany. Other tourist attractions in the city are Schloss Nymphenburg, Deutsche Museum, Peterskirche, Residenz, Asamkriche, etc. Find cheap travel insurance from India to Germany on HDFC ERGO.
3
Frankfurt
Frankfurt, officially called Frankfurt am Main, has been a prominent centre of history and religion in the region. The contrasting visuals of the cityscape due to the presence of modern skyscrapers and medieval structures attract massive tourist attention from around the world. Some of the most notable attractions in and around Frankfurt are Romer, Frankfurt Old Town, Paulskirche, Kaiserdom St. Bartholomaus, Eiserner Steg, Zoo Frankfurt, etc.
4
Cologne
Located in the western end of the country, Cologne is one of the most popular tourist destinations. This beautiful city is one of the most important cultural hubs in the region, home to several galleries, museums, historical sites, etc. During your visit to Cologne, Germany, make sure to check out the Cologne Cathedral, Old Town Cologne, Cologne City Hall, etc.
5
Hamburg
Hamburg ranks as the second largest city in Germany, after Berlin. It is a well-known tourist destination in the region, and a massive hub for art, history, culture, entertainment and commerce. Some of its main attractions are Speicherstadt, HafenCity, Maritime Museum Hamburg, Planten un Blomen Hamburg, etc.
6
Heidelberg
Nestled along the Neckar River, Heidelberg is known for its romantic setting and the iconic Heidelberg Castle. Wander through the historic Old Town with its charming baroque architecture, visit Germany's oldest university, and enjoy panoramic views from the Philosopher's Walk. The town's picturesque charm, cultural heritage, and serene riverside create an unforgettable experience.
Things To Do in Germany
During your trip to Germany, make sure to try these things;
• Visit the Berlin TV Tower to get the best panoramic views of the city from a height of 368 meters.
• Go on a wine-tasting tour offered across several cities in Germany.
• Catch a thrill-seeking live game of football in Germany’s top professional football league, the Bundesliga.
• Take a guided tour of the fascinating castles located all across the country.
• Enjoy an adventurous Rhine riverboat ride with your loved one.
• Check out Museum Island, a UNESCO World Heritage Site, to learn more about history.
• Go on a shopping spree at the major markets in Germany, such as Schildergasse in Cologne, Zeil in Frankfurt, Ku’damm in Berlin, Konigsallee in Dusseldorf, etc.
Money Saving Tips in Germany
Travelling across Germany can be quite expensive, however, there are a number of ways through which you can save a lot of money. For example;
• One of the best ways to save money during your Germany trip is to schedule your visit during a non-peak season. The prices of accommodations, transfers, and other services during this time remain comparatively cheaper due to the low tourist crowd.
• Try to ditch taxis or rentals when travelling in Germany as they can be pretty costly. Go for local public transport, like trams, busses, trains, etc., as they are equally reliable and much cheaper in comparison.
• Make sure to shop wisely when in Germany. It is because things are quite expensive there, and bargaining may not work in most places.
• Consider dining at local restaurants to save a lot of money when eating out in Germany. Otherwise, the cost of food at luxury restaurants can drain a hole in your travel budget.
• Make sure to take advantage of the free activities and museum tours offered at various locations in Germany. It is a great way for you to save money while sightseeing.
• Investing in travel insurance for Germany can keep you financially safe against unforeseen events. It is a great precautionary step that you can take to save money during your Germany trip. Find the best travel insurance for Germany by clicking here.
List of Well-known Indian Restaurants in Germany
Here are some of the best Indian restaurants in Germany that you can visit during your trip;
• Bombay Palace
Address: Darmstädter Landstraße 6, 60594 Frankfurt am Main, Germany
Must-try: Lassi
• India Club
Address: Behrenstraße 72, 10117 Berlin, Germany
Must-try: Pindi Chole Kulcha
• Singh Indian Restaurant
Address: Steindamm 35, 20099 Hamburg, Germany
Must-try: Shahi Paneer
• Delhi 6 Restaurant
Address: Friedrichstraße 237, 10969 Berlin, Germany
Must-try: Kadai Paneer
Local Law and Etiquette in Germany
Here are some important locals laws and etiquette in Germany that tourists should follow;
• Jaywalking in Germany is illegal and a fineable offence. Make sure to wait for the road-crossing light to turn green before you take on the zebra crossing.
• Before your visit, make sure to learn about the proper way to recycle waste in Germany. Improper waste disposal is not appreciated in the region.
• Make sure to enquire whether wearing shoes are allowed within the household before entering.
• Do not confuse the bicycle lane as a footpath because you will be blocking the path of cyclists. It is both dangerous and a major traffic offence.
• When greeting someone in Germany, especially strangers, be sure to address them formally.
• You can use both Guten Tag (good day) and Hallo (hello) for the purpose of greeting someone. And to say goodbye, use “Tschüss”.
Indian Embassies in Germany
Following are the details of the Indian Embassy in Germany;
| Germany-based Indian Embassy | Working Hours | Address |
| Embassy of India | Mon-Fri, 9:00 AM - 5:30 PM | Tiergartenstraße 17, 10785 Berlin, Germany |
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Frequently Asked Questions About Germany Travel Insurance
1. Do you need travel insurance to go to Germany?
Yes. In order to apply for a Schengen visa for Germany, you are required to have valid travel insurance.
2. How much will a travel policy for Germany going to cost?
A lot of factors can affect the cost of travel insurance for Germany, such as trip duration, total travellers and their respective ages, type of selected coverage, etc. You can visit our website for cheap travel insurance from India to Germany.
3. Is a medical check-up mandatory for a travel insurance Germany plan?
Medical check-up requirement for travel insurance entirely depends on your insurance provider. For example, with the travel insurance Germany plans offered by HDFC ERGO, there’s no need for you to go through a mandatory health check-up prior to travelling.
4. Will German travel insurance cover any pre-existing diseases?
Generally, most German travel health insurance does not cover pre-existing illnesses under its protection.
5. How can I buy travel insurance for Germany?
You can easily buy international travel insurance for Germany online or offline. For instance, you can follow the step-by-step method mentioned on this page or click here to learn about how to buy travel insurance for Germany from HDFC ERGO.
6. What is the best travel insurance plan for Germany?
The best travel insurance for Germany is a policy that covers all your basic needs, has tons of benefits and features and comes at a reasonable price tag. You can find cheap travel insurance from India to Germany on HDFC ERGO.
7. What is the minimum travel insurance coverage required for travelling to Germany?
The minimum German travel health insurance coverage should be 30,000 EUR, and it applies to all Schengen member states.
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