Travel Insurance for Germany

Travel insurance is a risk management tool designed to protect travellers from travel-related risks. While originating when travelling, these risks can be medical and non-medical, resulting in financial loss and a negative travel experience. By providing financial protection for these covered risks, travellers can secure their trip with travel insurance, allowing them to travel with confidence and peace of mind.

Travellers planning a trip to Germany should note that the country is part of the Schengen Area, a group of 27 European countries that have dissolved internal borders and set up a common visa for travellers. One of the criteria for getting a Schengen Visa is to avail of travel medical insurance for Schengen Visa. This means that any individual or group planning to travel to Germany would need Schengen travel insurance with at least €30,000 of coverage to be eligible for the visa. This is where Niva Bupa provides travel insurance for Germany with a sum assured of up to $500,000, enabling you to visit Germany and nearby countries conveniently and with peace of mind.

Insurance often appears to be an unnecessary expense or an additional step in exploring the country of your choice. But that is not the case; with Niva Bupa’s simple and affordable way to secure your Germany trip, you can travel confidently and safely. 

Here are some top benefits of opting for Germany travel insurance from India with Niva Bupa:

• Niva Bupa provides a simple and affordable way to secure your Germany trip.
• Niva Bupa’s Germany travel insurance policy provides financial protection to its customers 24/7.
• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.
• Travellers are also covered for non-medical risks like lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability.
• Student travellers are also covered for additional risks, including 100% pre-existing disease coverage, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.
  

Before purchasing any insurance policy, travellers should consider several factors, such as the cost of the policy, the extent of coverage, and more. One of the main factors to consider is the coverage options the insurance provider provides. That is because these are the particular risks for which a traveller is provided financial protection through the travel insurance for Germany policy.

Here are a few key coverage options which Niva Bupa provides to travellers:

• Delay or loss of checked-in baggage: This coverage offers partial or complete reimbursement for significant delay or loss of checked-in baggage.
• Missed connecting flight: This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late.
• Loss of passport: This coverage reimburses you for the cost of applying for a new passport if the original is lost.
• Dental treatment: This coverage reimburses a pain-relieving dental treatment availed under anaesthesia.
• Trip delay, cancellation, interruption: These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, cancelled, or interrupted due to certain conditions mentioned in the policy document.
• Medical emergency (hospitalisation): This coverage offers reimbursement for the cost of medical treatment.
• Emergency outpatient treatment: This coverage reimburses any emergency treatment under OPD.
• Medical evacuation: This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care.
• Emergency trip extension: If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days.
• Personal accident: This coverage offers a payout of up to the sum insured for accidental death or disability.
• Repatriation of mortal remains: This coverage reimburses you for transporting the mortal remains of the traveller or the cost of cremation in the city/country of death.

Additional coverage options might also exist depending on the type of travel; thus, it is vital to check the policy document for clarity on what is covered.

While travellers must consider the coverages provided under travel insurance Germany from India, it is also essential to consider what is not covered to make an accurate assessment and plan for your trip accordingly.

Here are some of the specific exclusions for a Niva Bupa travel insurance policy:

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
• Active participation in military exercises, war games, or engagement with the enemy.
• Any loss or injury due to committing or attempting to breach the law with criminal intent.
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.
• Maternity expenses.
• Non-prescription or unproven drugs or treatments.
• The provision of fitting of hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.
• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
• Countries with travel restrictions for Indians.
• Medical tourism.
• Damages due to adventure sports unless part of the coverage.
• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

Travellers must note that this list is just a summary of the exclusions, and it is beneficial to refer to the policy document for a complete list of all specific exclusions and to protect yourself and your loved ones from financial loss or a negative travel experience.

Niva Bupa is one of the leading providers of travel insurance in India. It offers single-trip and student travel insurance to suit the varying needs of Indian travellers. With three plans of different levels of comprehensiveness, coverage for over 190 destinations worldwide and a sum assured ranging from $50,000 to $500,000, you can travel the world with confidence and peace of mind. So, consider Niva Bupa travel insurance whether you wish to visit Deutschland, the United States of America, Canada, Singapore, Thailand or any other country

Travellers planning a trip to Germany should note that while there are no particular eligibility criteria for purchasing travel health insurance in Germany, there are specific basic requirements to keep in mind.

Here are the eligibility criteria travellers should keep in mind for Germany travel insurance:

• Adults should be between the ages of 18 and 70.
• Dependent children can be up to the age of 25.
• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.
  

Travellers looking to buy travel insurance for Germany online can do so by following the given steps. With Niva Bupa’s convenient and intuitive portal, you can purchase travel insurance for your destination country within minutes in just a few steps.

•  Visit the Niva Bupa website and click Travel Insurance in the header.
• Use the drop-down menu on that page to select Germany, the departure and return dates, and the phone number.
• After clicking on view plans, you can check the destination-specific plans for Germany.
• There, you can select your needs, such as whether you are going alone or with family, whether it is an independent trip or a corporate visit; there are also plans for students and senior citizens.
• Review and select the appropriate plans, change the sum insured to the amount you want to insure for your trip and choose any add-ons.
• After this, click “Next” and fill out the relevant information and medical declaration to purchase the plan of your choice.
• Once the payment is complete, the policy will be emailed to you.   

Travellers just browsing and checking the approximate prices can also follow this process to get the right plan for their needs and preview the premium prices for accurate planning.

Travellers looking to secure their Germany trip with Schengen travel insurance are recommended to do so as soon as they purchase flight tickets for the country. This is because travellers need to obtain a Schengen Visa for their trip, and they will not be eligible for it unless they obtain travel health insurance for Germany and nearby countries with at least €30,000 of coverage.

While travellers can purchase a policy with Niva Bupa within minutes, the visa application process might take some time, delaying it. This is why it is essential to opt for travel insurance for German visa sooner rather than later. 

When travelling with your loved ones and anticipating all you would do in Germany, no one wants to worry about the potential risks that can result in financial loss or a negative travel experience. This is where Niva Bupa's travel insurance can ensure peace of mind, whether you are purchasing international travel insurance in anticipation of these risks, due to the mandatory requirement, or as an investment in your trip.

With Niva Bupa’s simple, efficient and streamlined claims process, you and your loved ones can confidently travel to over 190 destinations.

Here are the steps to request a claim for your travel insurance for Germany with Niva Bupa.

• To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
• If you are travelling overseas, you may also contact the global third-party administrator.
• You can raise a claim online, through e-mail, or even physically. You can do so both while overseas or when you return to India.
• You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency.

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer intimates the claim to Europ Assistance via a toll-free number or email.
• The TPA - Europ Assistance will contact the customer and provide them with the required travel insurance for Germany details.
• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
• Europ Assistance will ask for the documents from the hospital or the customer and, after assessing the claim, will send them to Niva Bupa for approval/rejection/query/investigation.
• Our medical team will approve the claim by e-mail.
• The GOP will be released to the hospital as per the amount claimed.
• The hospital will contact the Europ Assistance team if any additional amount is required.
• At discharge, documents will be sent to Europ assistance and approved accordingly.
• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.

• Claim form
• KYC
• Cancelled cheque of the proposer
• Discharge summary
• Final bill along with break up
• Payment receipt
• All investigation reports 

As Indians are currently not eligible for visa-free entry into Germany, travellers considering visiting the country might still need a German visa. Although still called a Schengen Visa, obtaining a German visa can be more complex than other countries. There are several documents that a traveller might need to provide to obtain a visa for the country.

• Application form - Travellers looking to visit Deutschland must submit a duly filled application form to the German embassy with other required documents.
• Passport - In addition to the application, travellers looking to visit the country must also provide a passport with empty leaves for a stamp and a validity of at least three months after the date of leaving the country.
• Photo - Travellers must also bring a visa-sized photograph taken within the last three months and per the requirements set by the German embassy.
• Travel insurance Germany - Travellers must also carry travel insurance for German visa that covers illnesses and accidents in Germany and the whole Schengen Area, with a minimum coverage of € 30,000.
• Travel itinerary – Travellers must also provide proof of round trip or other documents that show intended transport, as well as evidence of what they are planning to do in Germany within the period that they wish to remain
• Proof of financial means - Travellers must also have proof of financial means in the form of a bank statement, proof of sponsorship, or other document.

Proof of accommodation - Travellers must also provide proof of accommodation in Germany, whether at a hotel or a German resident’s house (you must also provide an invitation letter for this criteria)

Anyone looking to travel to Germany must carry several essential documents for a quick immigration process and entry through the border. Here are a few documents to keep ready and accessible when visiting the country:

• Passport - Travellers must carry a valid Indian passport with at least three more months of validity beyond their planned trip.
• Visa - Travellers must carry an approved visa for a specific type of travel. For example, tourist visas are for travellers looking to travel for leisure, student visas are for students, and business visas are for business travellers.
• Travel itinerary - Travellers should carry a travel itinerary with return flight tickets or proof of travel to a different country.
• Proof of financial means- Travellers must have at least three months of bank statements or a sponsorship letter if applicable.
• Proof of accommodation - They must also carry proof of accommodation with them to show at the immigration office if asked.
• Cover letter—A cover letter containing details about why you wish to visit the country, the reason for your visit, and the duration of your stay, among other requirements.
• nvitation letter- An invitation letter from a German resident is also necessary in certain circumstances.
• No-objection letter from school or place of work (if applicable)

Germany is a country filled with events and celebrations throughout the year, enabling tourists to enjoy the country fully at any time. However, while you can enjoy your time whenever you visit the country, there are different times based on your travel needs. For example, March to May and October to November are the best times for budget travellers to visit. September and October are the best times for a beer festival, and January to March is the best time for skiing. This means that based on your specific nature of travel, you can select the best time to visit Deutschland.