General
International Travel Insurance
Premium starting ₹395
100% Claims Settled (FY 23-24)
Travel Insurance for Germany from India Online, Starting ₹515
All packed up and ready for Germany?
If you have handled all your hotel and flight bookings for the trip, it may be time to consider purchasing travel insurance for Germany from India.
Do you need an insurance plan for such a quick trip, though?
The answer to that question is a resounding yes. Regardless of the length of the trip, travel insurance for Germany is essential for tourists. A thousand different things could go wrong during such a trip, which you may not have planned for in advance. With travel cover, you can limit financial liability from such unforeseen events.
Moreover, German travelers from India also encounter a language barrier, which might make seeking assistance even more difficult in emergencies. If you have an insurance policy in place, things become much simpler.
Table of Contents
Is Travel Insurance Mandatory for Germany?
Yes, travel insurance is mandatory for Indians. However, regardless of whether it is mandated or not, you should never travel internationally without the right insurance policy in place. If you face medical or other forms of emergencies during the trip, these plans will limit financial liability.
What is the Cost of Travel Insurance for Germany from India?
A $50,000 Germany travel insurance plan from India for 4 days for 1 adult starts from ₹515 (excluding GST).
Germany Visa for Indian Passport Holders
A German visa for Indians is an official permit allowing people (residing outside Germany) to enter Germany. With the Visa, non-Germans can stay and visit Germany for a specified period. It also enables foreigners to pass through Germany's international transit zones while traveling to other countries.
The German Embassy offers the Schengen Visa for Indians as a tourist visa to every Indian citizen who wishes to visit Germany for a short stay. However, they do not issue separate Germany visa to foreigners for short-time visits. Nevertheless, a long-term national visa in Germany is issued if foreigners wish to stay more than three months (90 days).
Different Types of Schengen Visas and Schengen Visa Fees for Indians
What’s Great About International Travel Insurance for Germany by Digit?
Germany Travel Insurance Plan That Fits You
Double Secure
This plan offers coverage for the most common mishaps that can be encountered on an international trip.
Double Secure Plus
This plan not only covers you for the most common mishaps on your trip but also comes with an extra layer of protection that keeps you protected from each hiccup, so your trip goes just how it should!
Double Secure
Double Secure Plus
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Medical Covers |
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Medical Treatment And Evacuation Exigencies If you fall ill during your trip and need emergency hospitalisation to save your life or relieve acute pain, we will cover:
(Up to the sum insured as shown in your policy)
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Accidental Treatment And Evacuation Exigencies If you get injured in an accident and need urgent hospitalisation, we’ll cover:
(Up to the sum insured as per your policy) |
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Personal Accident If you suffer an accidental injury that directly causes:
We’ll pay compensation as per your policy limits. |
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Accidental Death And Disability Cover (Common Carrier) Covers accidents while travelling in public transport like a plane, train, or bus, resulting in:
(Compensation as per policy limits) |
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Dental Treatment If you face acute pain or injury to your natural teeth during the trip, we’ll cover the cost of treatment by a qualified dentist, up to the policy limits. |
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Daily Cash Allowance If you’re hospitalised for more than 24 hours, we’ll pay a daily benefit for up to a maximum number of days as per policy. This cover will be extended for a maximum of 5 days. |
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Sub-Limits* Applicable only to members above 55 years for medical/accidental hospitalisation. If your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, the extra amount has to be paid by you. Limits apply to:
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Maternity And Baby Cover Covers hospitalisation expenses for the delivery and vaccination of a newborn. |
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Waiver of PED Option to waive pre-existing disease exclusion (subject to policy terms). |
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage If your checked-in baggage is permanently lost by the airline, we’ll pay compensation as per policy. |
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Delay Of Checked-In Baggage If baggage is temporarily delayed beyond the specified time, we’ll cover essential replacement purchases. |
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Missed Connection If you miss a pre-booked connection due to the delay of a common carrier, we’ll cover the extra travel expenses and accommodation costs to reach your next destination. |
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Trip Cancellation If your outbound journey is cancelled due to the listed reasons, we’ll reimburse you:
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Trip Abandonment If you have to cut short your trip or return early, we’ll cover:
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Trip Extension If your return is unexpectedly delayed, we’ll reimburse:
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Common Carrier Delay If your flight/train is delayed beyond the specified time, you’ll receive a fixed amount for every additional block of delay as per policy. |
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Hijack Distress Allowance If your mode of transport is hijacked, we’ll pay a daily distress allowance (must be officially confirmed). |
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Other Coverages |
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All Risk Cancellation Charges We cover the non-refundable, pre-paid, or contracted-to-be-paid portion of the booking amount up to the policy limit if you cancel tickets due to unforeseen events beyond your control. |
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Loss Of Passport, Driving License And Temporary Permit We pay for expenses (as per policy) if your passport, visa, or driving license is lost, stolen, or damaged, preventing trip continuation. |
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Bounced Booking for Accommodation If your hotel booking is denied due to overbooking or any other issue beyond your control, we will reimburse:
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Bounced Booking for Common Carrier If your airline, train, or bus is unable to honour your prepaid booking due to overbooking or similar reasons, and you’ve opted for this cover:
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Compassionate Visit If you’re hospitalised during your trip, we will cover the travel and stay of one close family member or friend who comes to be with you:
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Loss Of Baggage And Personal Belongings We cover the loss or damage of your accompanying baggage and personal items due to theft, robbery, larceny, or holdup during the trip.
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Personal Liability & Bail Bond The insurer will cover legal and financial liabilities if you accidentally cause harm to someone or their property during your trip:
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Home Building And Contents If your home (at the address listed in your policy) suffers loss or damage while you’re away, the insurer will reimburse:
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Emergency Cash Assistance Service If your money or luggage is lost due to theft or holdup, the insurer will:
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Financial Emergency Cash If you’re left without any travel funds (cash, cards, travellers cheques) due to theft, robbery, or dacoity, the insurer will reimburse you for the lost amount, provided:
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Golfer’s Hole In One If you hit a hole-in-one at a USGA-recognised golf course (outside India), the insurer will pay a fixed amount to cover your celebration expenses, as per the policy. |
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Fraudulent Charges Cover If your payment card is lost or stolen during the trip, you’ll be reimbursed for any unauthorised charges made up to 12 hours before you reported the loss to your card issuer. |
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Extended Pet Stay If your return journey is delayed by more than 24 hours, the insurer will cover the extra cost of keeping your pet at the pet boarding facility back home, up to the policy limit. |
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Hazardous or Adventure Sports If opted for, it covers participation (under supervision) in activities such as trekking, scuba diving, etc. Coverage includes:
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Escort Of Minor Child If you are hospitalised during your trip, we will cover the economy class travel costs for one immediate family member, relative, or friend to escort up to two minor children, as well as the return travel expenses for the children, up to the policy limits. (As long as hospitalisation does not occur within 3 days of the trip’s end). |
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Upgradation To Business Class If you’re seriously ill, we’ll pay up to the sum insured mentioned in the policy for upgrading your return ticket to business class from the place of hospitalisation. |
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Study Interruption If you have to discontinue your planned studies during the covered period unexpectedly, we will reimburse you up to the sum insured for:
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Accident Of The Sponsor If your sponsor named in the policy dies or is permanently disabled, we’ll cover:
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Inter-Collegiate Sports Cover Medical & accidental injury coverage extended to college sports injuries sustained during the policy period. |
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Home to Home Cover |
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Hazardous or Adventure Sports |
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Coverage at Home Country |
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverage as per your requirements. Please call us at 1800-258-5956 in case you want to opt for any other coverage or wish to know further details.
How to Buy International Travel Insurance for Germany with Digit?
Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!
How to File a Travel Insurance Claim with Digit?
After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!
Why Choose Digit for Germany Travel Insurance from India?
- Coverage for Adventure Sports-related Mishaps - Digit is one of the insurance providers in India that offers complete coverage for injuries sustained while participating in a single-day adventure sports on your trip.
- Get Coverage for Trip Cancellation - If your trip gets canceled before your insurance period starts, we'll reimburse you for the money spent on non-refundable expenses for the peril mentioned in the policy.
- Luggage Delays in Transit Become Easier to Deal with - During travel from India to Germany, your baggage passes several hands, especially at the airport there might be a delay in baggage. With Digit’s protection, you can replace these items without spending a single penny from your pockets.
- Personal Liability & Bail Bond - It covers you for any amount that you pay to a third-party or the legal expenses incurred, due to an accident or damage during your trip.
- Loss of Passport, Driving License and Temporary Permit - If you lose your passport, visa, driving license, or temporary permit while abroad, and it stops you from continuing your trip, then we'll cover costs incurred in the issuance of an emergency certificate or duplicate passport so that you can get back on enjoying your trip.
- Personal Accident - If you meet with an accident on your trip that leads to partial or total permanent disability or death, we will cover you up to the limits mentioned in the policy schedule.
Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.
List of Network Hospitals in Germany with Digit
Below is the list of network hospitals in Germany where you can go in case of medical emergencies during your travel in Germany.
Disclaimer: This list is not a comprehensive list of network hospitals in Germany. Last updated on 31st July-2025. In case of emergencies, we recommend to reach out to Digit insurance team first to check about the hospitals.
What is Germany's Official Currency?
The currency in Germany is the euro €. Each euro is divided into 100 cents. Euro banknotes are available in 5, 10, 20, 50, 100, 200, and 500 cents, and Cents are available in 1, 2, 5, 10, 20, and 50 coins.
As of 3rd July 2024, the currency exchange rates of the Euro are as follows:
As of May 2024, the euro is the official currency of 20 European countries. These countries collectively form what is known as the eurozone: Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, The Netherlands, Portugal, Slovakia, Slovenia, Spain.
Note: You cannot use any currencies other than Euro anywhere in Germany.
What is Germany Famous For?
Germany is the home of the renowned ‘Oktoberfest.’ Most tourists come to visit the various festivals. Germany is famous for its rich historical and cultural heritage. The friendly locals are also very welcoming toward international guests, encouraging them to mix freely with them and learn about their culture.
When is the Best Time to Visit Germany?
May to September is the best time to visit Germany when the weather remains the most pleasant, with temperatures ranging between 20 degrees and 25 degrees Celsius. With plenty of sun and no snowfall, travelers can visit most of the destinations without any hassle.
Safety Tips When Travelling to Germany
Germany is one of the safest European destinations, experiencing a very low crime rate. Still, adopting the following measures is helpful:
- Keep your hotel room locked and place any valuable items inside the safety deposit box at the property.
- Try to avoid train stations at night as you may fall victim to harassment from some locals.
- Travel with a local guide who can bridge the communication gap between you and the locals.
- Germany is usually a safe and happening country, always ready to welcome tourists. However, it is essential to know about the scams in Germany to avoid wasting money or losing any belongings.