Germany’s rich history, scenic landscapes, and vibrant cities make it a top destination, but unexpected events like medical emergencies, flight delays, or lost baggage can disrupt your trip. Since travel health insurance is mandatory for Indian tourists visiting Germany and the Schengen Area, having the right coverage is essential—not just for visa approval but also to protect yourself from high expenses. With ACKO’s Germany Travel Insurance, you get financial security for medical costs, trip disruptions, and more, ensuring a stress-free journey. Keep reading to find out more.
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Having the right travel insurance ensures a stress-free trip by covering unexpected expenses. Here are some essential features:
| Features | Benefits |
| Medical expense coverage | Covers illness- and accident-related medical costs, including COVID-19 hospitalisation. |
| Easy cashless claims | Allows hassle-free, cashless medical treatment at network hospitals. |
| Baggage delay/loss | Compensation for lost or delayed checked-in luggage. |
| Adventure sports coverage | Covers injuries caused by adventure sports activities. |
| Loss of passport | Provides financial assistance to replace a lost passport. |
| Trip Cancellation & Rescheduling | Reimbursement for cancellations due to COVID-19 or personal emergencies. |
| Missed/delayed flight | Covers financial losses if you miss a flight. |
| Meets Schengen visa requirement | Fulfills the mandatory €30,000 medical coverage needed for visa approval. |
Here’s why Germany travel insurance from India is crucial:
During your trip to Germany, unanticipated expenses may arise. If you do not have Schengen travel insurance, you may be forced to pay for these expenses out of your own pocket. On the contrary, if you have comprehensive travel insurance, it can protect your funds.
You may need urgent medical care if you get sick or injured on the road. Medical expenses in overseas nations are typically high. Having international travel insurance can help ease the financial burden of unexpected medical expenses.
The Schengen Area, consisting of around 29 countries, requires travel insurance for entry. If you're travelling to Germany, a Schengen country, valid travel insurance is mandatory to obtain a Schengen visa.
The most important perk of having Germany travel insurance is the peace of mind it provides. You probably just want to relax and enjoy your time off without worrying about how your budget will hold up in case of an accident. Having travel insurance will allow you to relax and enjoy your trip.
Here are some key benefits of ACKO’s travel insurance plan for Germany:
Our policy rates begin at ₹ 49* for a five-day trip period, which is less than ₹10/day*.
Dislike filling out forms? Yes, we know! We use digital insurance forms instead of paper ones. Our website/app lets you buy/renew insurance, file claims more remotely.
If you contract COVID-19 during your trip, we will pay for your hospitalisation up to the limit specified in the policy.
Our travel insurance policy will cover you no matter where you go. Thus, we have your back regardless of where you are or what time it is!
ACKO’s travel insurance offers the option of customisation of coverage. Take advantage of this by selecting only the specific covers you need for your trip.
We have no deductibles. If you have a mishap and file a claim, we will cover all costs. However, note that our financial support is limited to the sum insured.
Meet Rohan, who loves exploring new places. On his recent trip to Germany, he found out his luggage was missing when he arrived. Despite his efforts, the airport staff couldn't locate it.
Feeling stuck, Rohan reached out to ACKO for help. Thankfully, ACKO compensated him for the lost baggage, easing his worries and letting him enjoy his trip stress-free.
"Thanks to ACKO, I got my baggage loss covered," says Rohan. "Their quick help made a tough situation much easier. I'm really grateful!"
*Note: Please take note that our policy document specifies in detail both what is and is not covered.
Follow these six easy steps to purchase ACKO's travel insurance for Germany online:
Click here and choose your destination
Specify your trip’s start and end dates
Pick the types of coverage you want
Provide details and pay the fee
An instant travel insurance policy will be generated and immediately sent to your email ID.
It is easy to file a claim with ACKO's travel medical insurance Germany. Just follow these steps to make a claim:
In this section, we'll go over some things you should know before visiting Germany.
Germans are generally very friendly and welcoming to tourists, but it's always appreciated if you make an effort to speak their language. Start with some basic phrases like "Guten Tag" (good day), "Danke" (thank you), and "Bitte" (please), and you'll be off to a great start!
Germany is known for its delicious cuisine, so be sure to indulge in some traditional dishes like schnitzel, bratwurst, and sauerkraut. And, of course, you can't forget about the beer, it's practically a national treasure!
Germans take traffic laws seriously, so make sure you wait for the crosswalk signal before crossing the street. Otherwise, you might get some disapproving glares from the locals.
While many places in Germany do accept credit cards, it's always a good idea to have some cash on hand for small purchases or if you find yourself in a cash-only establishment.
Germany is home to some of the most beautiful landscapes in Europe. So, take advantage of the opportunity to go for a hike, bike ride, or even a swim!
Germany uses the standard European two-prong plug. So, be sure to pack a travel adapter if you're coming from a country with a different electrical system.
Germans are known for their punctuality and efficiency. So, don't be surprised if trains run on time to the minute and everything is meticulously organised.
We have listed a few locations you can visit while in Germany to make your trip even better.
Germany's capital city is a hub of art, culture, history, and nightlife. Be sure to visit the iconic Brandenburg Gate, Checkpoint Charlie, the Berlin Wall, and the vibrant neighbourhoods of Kreuzberg and Neukölln.
The charming Bavarian city of Munich is famous for its beer halls, including the iconic Hofbräuhaus, and its beautiful architecture, such as the Neuschwanstein Castle.
Speaking of beer halls, the world-famous Oktoberfest is an annual festival held in Munich that attracts millions of visitors from around the world. It's a great opportunity to try traditional German food and drinks, dance to live music, and dress up in dirndls and lederhosen.
A picturesque region in western Germany, the Rhine Valley is home to stunning landscapes, historic castles, and charming villages. Take a boat tour along the river, or explore the famous Lorelei rock and the town of Bacharach.
Located in the southwest of Germany, the Black Forest is a beautiful region known for its thick forests, beautiful villages, and classic cuckoo clocks. Don't forget to try the famous Black Forest cake, made with layers of chocolate, cream, and cherries.
Germany's second-largest city is a vibrant port town with a rich maritime history. Visit the Miniatur Wunderland, the world's largest model railway, or take a stroll through the trendy neighbourhood of St. Pauli.
One of the most famous landmarks in Germany, the Cologne Cathedral is a stunning Gothic cathedral located in the heart of the city of Cologne. Climb to the top of the tower for breathtaking views of the city.
A beautiful city in eastern Germany, Dresden is home to stunning baroque architecture, including the famous Frauenkirche und Zwinger Palace. It's also a great base for exploring the nearby Saxon Switzerland National Park.
The following are the various types of Germany visas that Indians travelling to Germany can apply for.
| Visa Type | Purpose |
| Airport Transit Visa | For travellers passing through a German airport |
| Transit Visa | For stopovers in Germany while en route to a third country |
| Tourist Visa | For tourism and leisure visits |
| Visa for Visiting Family/Friends | To visit relatives or friends residing in Germany |
| Business Visa | For conducting business activities in Germany |
| Visa for Official Visits | For official government visits |
| Medical Visa | For receiving medical treatment in Germany |
| Visa for Cultural, Sports, and Film Crews | For participating in cultural, sports, or film-related events |
| Trade Fair and Exhibitions Visa | For attending trade fairs, exhibitions, or conferences |
| Training/Internship Visa | For participating in training or internship programs |
For emergency assistance, reach out to the Indian Embassy in Germany. We have provided their contact details below.
| EMBASSY | EMBASSY OF INDIA, BERLIN |
| Address | Tiergartenstraße 17, 10785 Berlin, Germany |
| Phone number | +49-30-25795-0 |
| Working hours | Monday to Friday from 9.00 hrs to 17.30 hrs |
The following are some of Germany’s popular international airports.
| Airport | Location |
| Altenburg Nobitz Airport | Altenburg Nobitz |
| Berlin-Tegel/Otto Lilienthal Airport | Berlin |
| Bremen Airport | Bremen |
| Cologne/Bonn Airport | Cologne/Bonn |
| Dortmund Airport | Dortmund |
| Düsseldorf International Airport | Düsseldorf |
| Frankfurt-Hahn Airport | Frankfurt-Hahn |
| Frankfurt International Airport | Frankfurt (Rhein-Main) |
| Franz Josef Strauss Airport | Munich |
| Friedrichshafen Airport | Friedrichshafen |
| Hamburg Airport | Hamburg |
| Hanover Airport | Hanover |
| Lübeck Airport | Lübeck |
| Memmingen Airport | Memmingen |
| Nürnberg Airport | Nürnberg |
| Stuttgart Echterdingen Airport | Stuttgart |
| Weeze Airport | Weeze |
Here are some of the essential documents for applying for a German visa.
We have shared some tips to buy the best travel insurance for Germany online
Before buying travel insurance online, make sure to get a clear understanding of the claim process. The simpler the claim process, the better. So, keep this as a criterion while shortlisting insurance policies for your trip. Another benefit of understanding the claim process beforehand, is being able to make a claim without any hassle in a time of need.
Travel policies usually come with a few add-on cover options. Choosing all of them might drain your funds. Rather, select only the essential coverages. That way, you will be able to cut on unwanted expenditure and save your money.
Sum insured is an insurance jargon used to describe the maximum amount the insured can claim through their policy. While buying a travel policy for Germany, make sure to choose a reasonable sum insured by considering the maximum financial loss you may incur during your trip
To wrap things up, we have listed some of the most frequently asked questions on travel insurance for Germany from India.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions.
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