Travel Insurance for Germany from India @ ₹24.8/- Per Day

Yes, travel insurance is mandatory for Indian citizens visiting Germany, as it is part of the Schengen Area. You must submit proof of travel insurance to apply for a Schengen visa, which is required for entry.

The Schengen travel insurance policy must cover medical emergencies, evacuation and repatriation, with a minimum coverage of €30,000 (approximately $32,800 USD). Without this, your visa application will not be accepted. The TATA AIG Travel Insurance Germany plan provides you with sufficient coverage to comfortably meet this mandatory visa requirement.

• Coverage Against Flight & Hotel Cancellations

Suppose your flight from India to Berlin gets delayed or your hotel in Frankfurt cancels your booking at the last minute. In that case, we will cover the extra costs for flight cancellations with coverage of up to $250 and up to $5000 for cancelled hotel bookings. This helps you rebook your trip without worrying about the additional expenses.

• Coverage For Lost or Delayed Baggage

Imagine landing in Frankfurt after a long journey and finding out that your checked-in bags have not arrived on time or are misplaced! Don’t worry! We will cover the essentials you need until your luggage is returned.

If your bags are delayed for over 4 hours, we offer a $50 reimbursement to cover expenses for essential items. If your checked-in baggage is lost, we offer coverage of up to $500* to ensure you have everything to continue your journey.

• Medical Emergencies

You may fall sick after enjoying the German winters or sprain your ankle after a hiking session. Here, we will cover your treatment and even arrange a medical evacuation if needed.

Your medical expenses are covered with a sum insured of up to $10,00,000 per incident or loss. If you have a life-threatening condition due to a pre-existing disease (PED), we will cover expenses up to $20,000*.

• Accidental Damages to Others

Suppose you accidentally injure someone or damage someone else’s property while driving in Germany. In that case, we will cover the repair or compensation costs with coverage up to $500,000*.

• Lost Documents or Passports

You may end up losing your passport during a day trip to Cologne Cathedral or some other scenic location. We will assist you in connecting with the local authorities and the Indian Embassy to obtain a duplicate passport. We help you recover from the expenses of getting a duplicate passport with coverage of up to $500*.

• Easy Claim Process

Lost luggage in Hamburg or need emergency treatment in Frankfurt? Upload your claim documents online, and we will process your claim quickly so that you can get back to enjoying your trip.

• Affordable Plans

Your German adventure could be costly, but securing your trip with a Germany travel insurance plan with TATA AIG will not cost a bomb! Our plans start from ₹24.8/- Per Day, offering solid coverage.

• Quick Online Purchase

Have you booked your Germany trip at the last minute? Buy your insurance plan with us online in minutes or call us at 1800-267-6115. You can also purchase our plan through the TATA AIG app without any health checks or paperwork.

• Round-the-Clock Support

Whether you are in Munich, Berlin or anywhere else in Germany, our support team is available around the clock to help you with emergencies or questions. Simply call us at 02264898282 or send a text on WhatsApp at (+91-9136160375).

• Disclaimer

*TATA AIG Travel Insurance International Plus Brochure - TitaniumPlus option - UIN TATTIOP25045V022425

TATA AIG offers various types of travel insurance for your trip to Germany with increasing coverage limits. Each plan offers its own set of helpful benefits to keep you safe and covered throughout your journey. There are many other benefits, including trip cancellation cover, baggage and passport loss cover, medical emergencies, etc., that you can avail of for a truly worry-free trip.

Here are a few key benefits of our popular plans:

TATA AIG offers optional add-ons that you can include with your Germany travel insurance plan to enhance your coverage by paying a little extra on your premium. These add-ons provide extra protection for specific needs, ensuring your trip is even more secure and stress-free.

Here is a quick overview:

Policy Inclusions - What is Covered

• Medical Expenses: Covers emergency medical and dental treatment, hospitalisation and accidental injuries.

• Emergency Medical Evacuation: Covers transportation to the nearest suitable medical facility in Germany in case of a medical emergency.

• Repatriation of Mortal Remains: Covers the cost of returning mortal remains to India in the unfortunate event of death.

• COVID-19 Coverage: Includes medical expenses related to COVID-19 treatment while in Germany.

• Loss of Passport: Reimbursement for expenses incurred in obtaining a duplicate or new passport.

• Loss and Delay of Checked-In Baggage: Compensation for the delay or loss of checked-in baggage by the airline.

• Trip Cancellation & Interruption: Coverage for non-refundable expenses due to trip cancellation or interruption.

• Flight Delay: Payment of the sum insured if the flight is delayed from its scheduled time of departure.

• Personal Liability: Covers the legal costs if you damage or cause injury to another person or property.

• Compassionate Visit: Covers the return fare for a family member in case of an emergency.

• Home Burglary Cover: Protects against burglary at your residence while you’re abroad.

• Missed Connections: Compensates for missed connecting flights due to covered reasons.

• Automatic Policy Extension: Extends your policy automatically if your trip is delayed due to a covered reason.

• Hijack Distress Allowance: Provides a daily allowance for a fixed number of days if your flight is hijacked.

• Policy Exclusions - What is Not Covered

• Travel against medical advice, or when the traveller is already receiving or awaiting treatment or travelling for medical reasons, is not covered.

• Claims related to pre-existing conditions (except in life-threatening emergencies) are excluded.

• Claims arising from suicide, attempted suicide, or intentional self-harm (unless in self-defence) are not covered.

• Injuries or accidents that happen while under the influence of alcohol or drugs (if the person is responsible for the incident) are not covered.

• No coverage for war, nuclear attacks or related catastrophic events.

All set to visit Germany? Now, get yourself the mandatory Schengen travel policy with us. Follow these steps, and we will deliver the policy documents to you via email:

• Visit TATA AIG’s Official Website: Go to the Overseas Travel Insurance section.

• Enter Your Travel Details: Choose Germany as your destination, add your travel dates, date of birth, mobile number and list any travel companions.

• View and Compare Plans: Click on “See Plans” to explore available options. Compare features and costs to find the plan that best suits your needs.

• Add Optional Coverage: You can select from the Cruise Bundle, Travel Plus Bundle or Accident Bundle add-ons. These offer extra protection, including enhanced medical coverage or specific coverage for activities like adventure sports.

• Submit KYC Details and Make Payment: Enter your identification details, pay securely and complete the process.

Your Schengen travel insurance policy will be sent to your email, ready for use in your visa application and travel planning.

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Germany is packed with adventure, culture and charm, but unexpected situations can turn a dream trip stressful. With TATA AIG Schengen Travel Insurance, you are covered for emergencies that might catch you off guard during your journey.

Here are some travel-related Scenarios where your TATA AIG Travel Insurance plan can come to your rescue:

• Scenario 1: Spraining Your Ankle While Hiking in the Bavarian Alps

After hours of scenic trekking through the Bavarian Alps, you trip on a rocky path and twist your ankle. The pain makes it hard to walk back, and you need quick medical help.

• How Can We Help:

Suppose you are injured during your trip (not due to a pre-existing condition). In that case, TATA AIG reimburses the needed medical expenses, up to the insured amount mentioned in your policy. You can focus on recovery while we handle the medical bills.

• Scenario 2: Food Poisoning from Too Much Local Street Food in Munich

You could not resist trying every local delicacy at a food market, but by evening, you are down with severe stomach pain and nausea.

• How Can We Help:

Once informed, our 24/7 assistance team will coordinate with local doctors and medical facilities, advise you on the best course of treatment and arrange hospital admission if needed. We even consult with your physician back home, if required, to make the right decisions for your care.

• Scenario 3: Losing Your Passport During a Visit to Tiergarten Park in Berlin

You are enjoying a quiet stroll when you realise your bag is missing, along with your passport.

• How Can We Help:

Our assistance team will help you contact the nearest embassy or consulate, guide you through the process of filing a report and arrange for emergency documentation so that you can continue your journey or return home safely.

• Scenario 4: No Cash to Take Your Kids to a History Museum in Frankfurt

Your card suddenly stops working abroad, and you run out of cash just when your kids were excited about visiting the local museum.

• How Can We Help:

We can arrange for emergency cash transfers through trusted sources like banks, consulates and Western Union. This ensures your plans aren’t disrupted and your family can keep enjoying the trip stress-free.

• Scenario 5: Losing Your International Driving Licence During a Scenic Road Trip

You are driving through Germany’s Romantic Road, enjoying every curve and castle view, when you realise your international driving licence is missing. Without it, you cannot continue your road trip or rent another vehicle.

• How Can We Help:

TATA AIG covers the cost of obtaining a duplicate international driving licence, either while you are abroad or within 30 days of returning to India. So, even if your licence goes missing, your road trip does not have to come to a halt.

(Note: Loss due to confiscation or if the licence has expired is not covered.)

• Scenario 6: Your Return Flight Gets Cancelled Last Minute

You are all packed to return home from Frankfurt when your international flight is unexpectedly cancelled. Now you are stuck with extra expenses and a disrupted plan.

• How Can We Help:

In case your scheduled international departure flight gets cancelled, TATA AIG reimburses you up to the insured sum for the inconvenience. This helps cover the sudden costs of rebooking, accommodation or meals, ensuring your trip ends smoothly, even if there is a bump at the finish line.

• Scenario 7: You Get Covid-19 in Germany

You start feeling unwell during your trip in Germany, get tested and receive a positive COVID-19 diagnosis. But how do you get quarantined in a distant land?

• How Can We Help:

You will need to provide proof of your diagnosis along with a doctor’s prescription confirming you need to be quarantined. We will do the needful by processing your claim and offering support so you can focus on recovery.

• Steps to Follow

• Notify Us Quickly: If you experience any loss (like theft, damage or a medical emergency), let us know within 7 days of the event or as soon as you can. The latest you can notify us is within 30 days after the incident.

• Take Immediate Action: In case of any loss, try to take action as early as possible:

• Try to protect and recover any lost or damaged items.

• If you were travelling with a carrier (like an airline or tour company), inform them about the loss.

• For theft or robbery, report it to the local police or the appropriate authority within 24 hours.

• Get the Claim Forms: Once we receive your claim notification, we will send you the necessary forms to fill in.

• Submit Documents and Evidence: Complete the claim forms and send them along with original bills, receipts, medical records and other proof within 30 days of the incident. If you cannot provide them within this time, tell us why, because delays for reasons beyond your control may be accepted.

• Provide Extra Information if Needed: We may ask for more details or supporting documents to help us process your claim, so please be prepared to share additional information if requested.

Initiate a Claim

Documents Needed to File a Claim

• Completed Claim Form: Filled and signed by or on behalf of the insured person.

• Travel Details: A copy of your ticket, boarding pass and original trip itinerary showing booking dates.

• Medical Bills & Receipts: Original receipts for doctor visits, hospital charges, diagnostic tests, pharmacy bills and prescriptions.

• Medical Reports: All medical records, including case history, investigation reports, discharge summaries and a clear diagnosis of the condition.

• Detailed Billing: A list of all medical services and treatments received, with individual prices for each.

• Prescriptions & Proof of Payment: Prescriptions naming the insured person, listing the medicines, prices and payment receipts.

Additional Documents: Any extra documents requested by the claims department relevant to your coverage.

• Online & App: Visit the TATA AIG Claims Process page to initiate a claim or use the TATA AIG app on Google Play or the App Store to notify us, upload documents and track your claim.

• Call or Email: You can also call our toll-free number 1800 266 7780 or email us at general.claims@tataaig.com.

• Worldwide Coverage Contact: For submitting a claim from Germany, call us at +1 833 440 1575 or email tata.aig@europ-assistance.in for assistance.

Our dedicated support team and our assistance partner, Europ Assistance India, will guide you at every step to ensure a smooth and efficient claims process.

Germany beautifully transforms with every season. From sunny summer adventures to magical winter festivities, each time of year brings something special.

Here is a season-wise breakdown to help you plan the perfect German holiday according to your interests:

Are you looking for the perfect German itinerary but are too overwhelmed by the options available? Don’t worry! We have curated a Germany trip plan for you to consider.

Estimated Duration: 10 Days | Ideal For: Nature lovers, culture seekers, active travellers

Estimated Cost (Per Adult): ₹2,10,000* – ₹2,40,000*

This 10-day journey takes you from vibrant cities to peaceful lakes, fairytale villages and stunning natural wonders, including a short but unforgettable stop across the Swiss border.

Itinerary Overview:

• Cologne Cathedral: Towering over the city skyline, this magnificent Gothic cathedral is one of the tallest churches in the world. With its intricate details and stained-glass windows, it is a true marvel that took over six centuries to complete.

• Brandenburg Gate: Once a symbol of a divided Berlin, the Brandenburg Gate now stands as a powerful icon of German unity and peace. It is the perfect starting point to explore the capital’s rich history and vibrant culture.

• Neuschwanstein Castle: Straight out of a storybook, this fairy-tale castle in Bavaria inspired Disney’s Sleeping Beauty castle. Nestled in the Alps, its dreamy towers and scenic views make it one of Germany’s most photographed landmarks.

• Reichstag Building: Home to the German parliament, the Reichstag blends historic charm with modern brilliance. Its glass dome offers panoramic views of Berlin and symbolises transparency in democracy.

• Berlin Wall Memorial: A moving tribute to the past, the Berlin Wall Memorial preserves a section of the wall and tells stories of those affected by the divide. It is a sobering yet essential stop to understand the country’s journey to reunification.

• Black Forest: Dense woods, deep valleys and charming villages define the enchanting Black Forest region. Famous for its cuckoo clocks and folk tales, it's a paradise for hikers, nature lovers and anyone chasing a slower, scenic escape.

Transportation in Germany

Since May 2023, the Deutschland-Ticket has allowed unlimited travel across Germany on regional trains and public transport for a fixed monthly price, making it a budget-friendly option for exploring the country.

• Germany’s public transport includes buses, underground trains, S-Bahn and trams (also called “Straßenbahn”). You must buy a valid ticket before boarding.

• Tickets are available from machines, bus drivers (cash only), kiosks or official mobile apps.

• Options include one-way, return, day ("Tageskarte"), week ("Wochekarte") or month ("Monatkarte") tickets. If required, validate your ticket. Look for stamping machines on platforms or inside vehicles.

• The Deutschland-Ticket replaced the popular €9 Ticket and has been available since May 2023. It allows unlimited travel on buses, trams, U-Bahn, S-Bahn and regional trains across Germany.

Staying Connected in Germany (Best SIM Cards)

• Germany has three main SIM providers: Telekom (best coverage), Vodafone (tourist-friendly plans) and O2 (budget options).

• You can buy SIM cards at their stores in most cities. Buying locally gives you better rates, local support and flexible data plans.

• Prepaid SIMs start at around €10 and can go up to €50, depending on data and call needs.

- Local Phrases to Learn Before Visiting

Travelling with Kids in Germany

• Germany is safe, clean and well-equipped for tourists with kids. Family bathrooms, elevators and stroller-friendly paths are common.

• Long-distance trains have family compartments, and most platforms have lifts. Restaurants usually do not have kids' menus but offer smaller, customised meals.

• Drugstores like DM and Rossmann stock baby essentials and offer changing stations. Tap water is safe and easily accessible.

• Many beer gardens and cafés in Germany are located next to playgrounds, making it easy for parents to relax while older kids play nearby.

Book Popular Activities in Germany

• Ride the Zugspitze Cable Car: Soar to the top of Germany’s highest mountain in the Bavarian Alps. The modern cable car offers stunning views and easy access to hiking and climbing trails.

• Drive the Deutsche Weinstrasse (German Wine Route): This 85 km wine route through the Palatinate region is perfect for a relaxing road trip. It features scenic vineyards, charming villages and Michelin-starred restaurants.

• Visit the Former Nazi Rally Grounds in Nuremberg: This haunting historical site features remnants like the Zeppelinfeld Grandstand and the massive, unfinished Congress Hall.

• Tour Neuschwanstein Castle: Discover the fairy-tale castle that inspired Disney. Set against a dramatic Alpine backdrop, it was built as a dream retreat by King Ludwig II.

• Relax in Sylt - Germany’s Island Escape: Nicknamed the “Hamptons of Germany,” Sylt offers pristine beaches, grassy dunes and luxury resorts, ideal for a coastal retreat with a touch of glamour.

Currency in Germany

Germany uses the Euro (€) as its official currency. When exchanging money before your trip, look for the currency code EUR. Prices are typically displayed with the € symbol, so you will see it everywhere, from menus to shopping receipts.

Click here for the latest exchange rate.

Where to Stay in Germany

Finding a place to stay in Germany is easy, with a wide range of comfortable and well-rated hotels available across cities and towns. But if you are planning an extended visit, here are some other accommodation options to consider:

Unfurnished Long-Term Apartments

These are ideal for those relocating or staying longer. Also, these listings receive high interest, so act fast and have your documents ready.

Fully Furnished Rooms

These are perfect for temporary stays, and they include all the essentials. Filter listings for options where registration (Anmeldung) is possible.

Shared Flats (Wohngemeinschaft or WG)

This is a popular and budget-friendly choice for students and young professionals.

• Join Free Walking Tours: Most major cities offer free walking tours. They are a fun, informative way to explore the city and learn about its history. Tip your guide at the end!

• Relax in City Parks: German cities have beautiful public parks where you can walk, relax or picnic, perfect for budget-friendly downtime.

• Carry a Reusable Water Bottle: Tap water is safe to drink across Germany. Refilling your bottle saves money and avoids plastic waste.

• Use Ridesharing Apps: Ridesharing apps like Uber, Bolt and FreeNow, are a popular way to travel between cities. It is faster than the bus and lets you connect with locals.

• Try Indian Restaurants, but Explore Local Food Too: You will find Indian restaurants in most big cities, but for a full experience, also try local favourites like pretzels, schnitzel or käsespätzle.

• Shops Close Early: Most shops close by 8 PM and remain closed on Sundays, so plan your shopping or essentials ahead of time.

• Follow Local Laws: Once in Germany, you are subject to German laws, even if unaware of them. Violations can lead to fines, arrest or deportation. Always check local rules, especially if you plan to work or start a business.

• Prohibited Items: Customs regulations are strict. Hence, you must not carry these items:**

• Firearms (even temporarily)

• Military artefacts (especially WWII items)

• Antiques or rare collectibles

• Prescription medications without a doctor’s note

• Business equipment without proper paperwork

• Note: It is illegal to import/export anything glorifying fascism, Nazi symbols or related literature/music.

• Emergency Contacts: Dial 110 for police and dial 112 for ambulance or fire services. You can request an English-speaking operator.

• Medical Facilities & Medicines: Germany has excellent healthcare. Most medicines are available, though brand names may differ. Always carry your prescriptions in the original packaging with a doctor’s note.

• Air Quality Warnings: If you plan your German holiday in winter, you must know that the air quality may worsen in winter. Children, elderly and people with asthma, COPD or heart issues need to be careful.

• Traffic Rules to Note: In case of an accident, stay at the scene until the police arrive. Also, using a mobile phone while driving is strictly prohibited.

• Security & Terrorism Alert: Though rare, attacks by individuals or groups can occur in crowded places. Stay alert, especially in tourist areas. Follow instructions from local authorities, monitor news updates and adjust plans if necessary.

Germany promises an incredible mix of culture, history and adventure for Indian travellers. While the journey is full of exciting experiences, having a trusted travel insurance plan ensures you are ready for the unexpected.

From medical emergencies to travel mishaps, TATA AIG’s Schengen Travel Insurance has you covered. Stay visa-compliant and travel confidently, get your TATA AIG Travel Insurance today and explore Germany without worries!