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Travel Insurance
The Real Ace in your Travel Pack
Coverage Highlights
Comprehensive travel protection under a single planDesign your own plan
A truly modular plan that offers you flexibility to curate coverage suited for you and your family
Wide Sum insured options
Choose adequate sum insured that suits your budget
Pre- Existing (PEDs) covered
Medical expenses upto USD 3000 for emergeny medical care of pre existing diseases
Truly Cashless
Worldwide cashless hospitalisation
Ease of buying
No medical health check up required to purchase the policy
Discounts
Upto 10% discount depending upon the number of people travelling
Extension of medical coverage post policy expiry
If hospitalised within the policy period, treatment can be continued upto a maximum of 75 days beyond policy expiry
24x7 support
Enjoy round the clock support to travel worryfree
Direct Discount
Enjoy 5% direct discount by purchasing online
From reimbursements to fixed payouts
Some coverages reimburse actual expenses while others provide a pre-fixed amount
One trip or many? We have got you covered
A Single-Trip Policy covers just one trip, perfect for occasional travelers. A Multi-Trip Annual Policy covers unlimited trips within a year, ideal for frequent travelers. If you travel often, save time and money with an annual plan. Choose what fits your travel needs
Key Inclusions
What's covered?Personal Accident Cover
Pays agreed amount in case of Death, Permanent Total & Partial Disability, while travelling overseas and also within India prior/post 24 hours of international travel, if opted
Medical Treatment & Evacuation Expenses Cover
Indemnifies for medical expenses for any illness, disease or injury that happens while you're travelling abroad and evacuation to India. Pre Existing Illness/ injuries can be opted to be covered
Hospitalization Daily Allowance
Pays agreed per day compensation in case of hospitalisation abroad
Trip Cancellation, Interruption & Extension
Indemnifies for loss incurred by you towards accommodation, travel & event tickets if trip is cancelled or interrupted mid-journey or extended under pre-defined circumstances
Return of Minor Child
Pays travel expense incurred to return your child/ children to India in case your are hospitalized abroad
Missed Connection
Reimburses you in case you miss a connecting flight
Ticket Overbooking
Compensation for denied boarding caused by overbooking, ensuring you are reimbursed for the inconvenience
Loss and Delay of Checked-in Baggage
Pays compensation if the airline delays or misplaces your checked-in-baggage
Loss of Passport and Driving License
Covers cost of replacing your passport / driving licensein case if they are lost during the journey
Loss of Personal Belonging
Pays for loss or damage to personal belongings including mobile, laptop, camera etc. due to theft, larceny, robbery or hold up at international airport
Bounced Hotel
Indemnfies you for a superior room /alterante hotel booking in case you dont get your pre booked stay
Sporting Activities Cover
Provides coverage for accidents or injuries that occur while participating in professional or semi-professional sports or adventure activities during travel
Note
Please read the policy wordings for detailed inclusions
Key Exclusions
What's not covered?Pre-existing Condition
Any disability or injury arising from a medical condition that existed before purchasing the policy, if not opted, is generally excluded
Intoxication
Accidents occurring while under the influence of alcohol or drugs are excluded from coverage
Routine Examination
It doesn't cover routine check-ups, vaccinations, or vitamins if you're generally healthy
Self-Inflicted Injuries
Injuries resulting from intentional harm or attempted suicide are not covered
Criminal or unlawful act
Actual or attempted engagement in any criminal or other unlawful act
War and Related Perils
Losses due to war, rebellion, or terrorism are not covered
Cosmetic and Weight Loss Treatments
No reimbursement for cosmetic surgery or weight reduction programs while travelling abroad
Adventure Sports
Injuries from adventure sports are excluded unless the benefit is opted for
Deductible & Co- Pays
Part of the claim will have to be borne by you if you have Deductible or Copay
Additonal Coverage
What else can your get?Trip Delay Delight
Pays an agreed amount in case the flight gets delayed beyong the defined period
Track-a- Baggage
Opting this service helps you keep track of your luggage during your trip, giving you peace of mind. If your bags go missing, the service helps locate and return them to you quickly
Extended Pet Stay
Covers expenses for your pet’s extended stay at a boarding facility due to unforeseen travel delays
Weather Guarantees
Offers compensation for costs due to trip disruptions caused by extreme weather conditions
Note
Please read policy wordings for detailed coverage
Yu must read up on the requirements for a German visa and comprehen
sive travel insurance for Germany if you're planning a trip to Germany soon.
Besides your visa, having a reliable German travel insurance policy from India should give you enough coverage for your entire trip to Germany.
A German visa for Indians is an official authorisation for Indians to enter Germany. In addition, if you have opted for a transit visa, it permits you to travel through Germany's international transit zones to other nations.
Every Indian who wants to travel to Germany briefly can obtain a Schengen Visa from the German Embassy. However, they do not grant separate German visas to visitors outside Germany for brief stays.
Nonetheless, a German long-term national visa is given out if visitors want to stay in Germany for over 3 months (90 days). This may suit you if your trip is geographically limited to Germany and you plan to stay there for a longer period.
There are certainly several good reasons to visit Germany. It is a renowned centre for all the arts and hosts festivals like the Berlin Film Festival and Oktoberfest. So, suppose you are planning to visit Deutschland to experience the culture or to conduct business. In that case, you should include applying for a German visa for Indians when making your travel plans. Once you have acquired the same, the possibilities are endless.
Indian citizens can typically obtain one of three types of German visas:
Indian citizens who want to travel to Germany for a brief period are awarded this visa for a stay of fewer than three months (90 days). There are two types of Schengen visas: Single Schengen visas and Schengen visas with a restricted territorial validity for brief stays may be issued by German diplomatic offices.
Indian nationals who must pass through Germany to another country are given airport transit permits. In this case, you may not be planning to stay in Germany for long but use it as a stopover.
Indian nationals who want to stay in Germany longer than three months are given the German National Visa, a long-stay German visa. This can be used if you plan to stay there longer for certain reasons, such as taking a course.
The above information is an overview of the complete list of requirements. Please refer to the official website of the Embassy/Consulate/Visa office of the respective country for additional information on German Visa for Indians.
Yes. Indian citizens must obtain a short-stay Schengen visa (type C) before travelling to Germany for tourism, business or family visits. The visa allows a stay of up to 90 days within any 180-day period and permits onward travel to all 29 Schengen states. To apply Germany visa from India, complete the online VIDEX form, pay the fee, book a VFS appointment and submit biometrics plus supporting papers—flight itinerary, accommodation proof, bank statements and €30,000 medical-insurance cover. Without a pre-approved visa, Indian passport holders will be refused boarding at departure airports.
No. Germany does not provide Visa on Arrival or e-visa facilities for Indian nationals. Entry is permitted only with a pre-issued Schengen sticker in your passport or a valid residence permit/card from another Schengen member. Attempting to travel without the visa will result in denied boarding or deportation. Always finalise your appointment at least four weeks in advance, gather the German visa requirements—hotel bookings, travel insurance from Bajaj Allianz General Insurance Company and a detailed itinerary—and wait for approval before purchasing non-refundable tickets.
The validity period of a German visa depends on the visa type. Here is a look at the type of visas and their validity. Knowing the validity that may be granted when applying for a visa is best.
Visa Type | Validity |
German Airport Transit Visa | 24 hours |
Germany Guest and Research Scientist Visa | 3 to 6 months (might last longer depending on the research work) |
Germany Business Visa | 90 days within 180 days |
Germany Schengen (Tourist) Visa | 90 days within 180 days |
Germany Student Visa | More than 3 months (depending on the study program) |
Germany Job Seeker Visa | 6 months |
Germany Student Applicant Visa | 3 months (only if one hasn’t received formal admission yet) |
German Language Course Visa | 3 months |
Germany Freelancer Entry Visa | 3 months |
Germany Freelancer Long-Stay Visa | 1 to 3 years |
Germany Temporary Work Permit | 1 to 3 years (depending on the contract) |
Germany Family Reunion Visa | Initially 1 year |
Germany EU Blue Card | 4 years (with the possibility of extension) |
The above information is an overview of the complete list of requirements. Please refer to the official website of the Embassy/Consulate/Visa office of the respective country for additional information on German Visa for Indians.
An Indian citizen with a valid reason to travel to Germany and the intention to return before the expiry of their visa can apply for a German Visa. One of the primary requirements for applying for a visa is a valid passport that doesn’t expire for another three months.
Besides this, you will also need to ensure that you have all the documents required to get a visa. Being financially stable is also important, as this will allow you to prove that you can undertake this voyage to Germany.
Furthermore, travel insurance for Germany is a requirement when applying for a visa. You can buy your policy online or offline and ensure adequate coverage.
Travelling to Germany from India no longer requires you to present proof of vaccination. Testing or recovery is also not required. However, proof of vaccination may be required when accessing some places in the country. Thus, carrying your vaccination certificates when travelling to Deutschland is best.
The above information is an overview of the complete list of requirements. Please refer to the official website of the Embassy/Consulate/Visa office of the respective country for additional information on German Visa for Indians.
The following documents are a requirement when applying for a German visa.
● Properly filled-up application.
● Two 35x45mm coloured photographs with 70–80% face visible.
● An international travel insurance policy with at least €30,000 (approximately 27,00,000) in health insurance coverage is recommended. An insurance policy covering the Schengen region may be available.
● ID from your school, college, or company.
● A current passport no older than ten years. It must be valid for at least three months during your visit.
● Evidence of travel including airline tickets and hotel booking confirmations.
● Evidence of payment of the required fees.
● Most recent six-month bank statement.
● A letter outlining your travel objectives.
When the application and supporting documents are submitted, all applicants for a German visa for Indian citizens must pay a visa fee. In addition to the German visa price, your visa application agency may levy a service charge. Demand draft or cash may be the only mode of payment available to you for paying your visa fees. Some locations may only accept demand drafts.
You must seek a German visa if you are an Indian passport holder planning to:
● Tour Berlin’s museums, Bavaria’s castles or attend Oktoberfest.
● Visit family or friends residing in Germany.
● Conduct business—meet clients, attend trade fairs like Hannover Messe or negotiate contracts.
● Undergo short-term study, training or cultural activities lasting under 90 days.
● Transit through German airports when leaving the international zone isn’t possible on an air-side transit visa.
Conversely, you do not need a new Schengen sticker if you already hold a valid, multi-entry visa or residence permit from another Schengen country covering the entire travel period. Long-term stays (study, employment) require a national D visa processed directly by the German Embassy/Consulate, not through VFS. Early application—between six months and 15 days before departure—is strongly advised.
The entire process of applying for German visas for Indians is simple. Any reputed visa application centre, German consulate, or embassy in the country may accept you.
To apply for a German visa, please follow these instructions:
● Visit the official website of any reputed visa application centre.
● Choose the German embassy or consulate in their Union territory or state.
● Choose the tab labelled "Apply for a Visa".
● Choose the "see more" option under the "Identify visa type" list, then pick the city where their consulate or embassy is located.
● Choose the type of visa you want to apply for.
● One may complete the online visa application form, or they may just download and complete it.
● Visit the website of the Visa application centre to make a visa appointment online.
● Show their appointment for a visa and submit the visa application together with any supporting documentation.
● Pay the visa-related fees and provide the biometric information.
No, visas are not issued upon arrival in Germany or other European nations. Indians who want to visit Germany as tourists must have a visa that has already been approved.
For the following reasons, the application for a German visa for Indians may be rejected:
● Application form being submitted incorrectly or incompletely.
● No definite evidence of one's intentions of leaving Germany.
● A history of immigration offences or criminal activity.
● Inadequate documentary evidence to support a visa application.
Although Germany is usually considered a safe country, nobody can completely rule out the potential of unforeseen accidents, thefts, pickpockets, and illnesses when travelling. One of the ways to prevent these significant problems from disrupting your trip is to buy travel insurance, online or offline and apply for a German visa.
The German Consulate will entirely refuse any application for a visa if travel insurance does not accompany it. The process of getting travel insurance is straightforward and hassle-free. This can be done online or offline before your trip begins.
Earlier, when entering Germany, proving your vaccination status was a requirement for citizens of several countries, including India. However, this requirement has now been waived. However, carrying your vaccination certificate with you is best as some places within Germany may require you to produce it.
After submitting biometrics and documents at VFS, the German Consulate usually decides within 10–15 calendar days. In peak seasons (April–July, September) or if extra verification is needed, the timeline can stretch to 30–45 days. Use the VFS tracking tool to monitor progress and never book unchangeable flights before you hold an approved visa. Fast-track or same-day services are not available, so budget ample lead time—especially if you need to correct deficiencies flagged by the consulate.
Common refusal grounds include:
● Insufficient funds or unexplained large deposits in bank statements.
● Unclear travel purpose—vague itinerary or missing invitation letter.
● Weak ties to India—unstable employment, limited family obligations.
● Invalid or inadequate travel insurance (cover below €30,000 or limited geographic scope).
● False or inconsistent documents, such as forged leave letters.
● Previous Schengen overstays or immigration violations.
Carefully review all German visa requirements, ensure documentation consistency and purchase compliant travel insurance—policies from Bajaj Allianz General Insurance Company meet embassy standards and reduce rejection risk.
Germany blends medieval charm with modern efficiency. High-speed ICE trains link major cities, while regional day-passes offer budget travel. Shops often close early on Saturdays and remain shut Sundays, so plan purchases accordingly. Cash is still king in small towns—carry euros. Tipping is modest: round up or add 5–10 %. Smoking is banned in most indoor public areas. Weather varies sharply; pack layers even in summer. Finally, punctuality is highly valued—arrive on time for tours or business meetings to make the best impression.
The essence of holidays in Germany may be best explained by culture, natural beauty, and history. Ensure you get your travel insurance for Germany and a visa before visiting these places.
● Immerse yourself in Miniatur Wunderland's charm.
● Visit Neuschwanstein Castle.
● In Europa Park, set out on a fantastic adventure.
● Visit the Mercedes Benz Museum to learn more about the auto industry.
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Step-by-Step Guide
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Download the Caringly Yours Mobile App and use your login credentials
1
Select the travel insurance option by providing necessary details
2
Allow the application to process your information & get quotes
3
Choose the plan aligning with your travel itinerary & include add-ons
4
Finalise the plan selection and complete the payment process
5
Insurance policy & receipt will be promptly delivered to your email ID
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Phone +91 020 66026666
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Fax +91 020 66026667
Cashless Claim
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Applicable for overseas hospitalization expenses exceeding USD 500
1
Submit documents online for verification.
2
Upon verification Payment Guarantee to be released to the hospital
3
Please complete necessary formalities by providing missing information
Reimbursement
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On complete documentation receipt, reimbursement takes approx. 10 days
1
Submit original copies (paid receipts only) at BAGIC HAT
2
Post scrutiny, receive payment within 10 working days
3
Submit incomplete documents to our document recovery team in 45 days
4
Policy deductible will be applicable as per policy copy
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Straightforward online travel insurance quote and price. Easy to pay and buy
Madanmohan Govindarajulu
Chennai
11th Apr 2019
Convenient
Very user-friendly and convenient. Appreciate the Bajaj Allianz team a lot.
Payal Nayak
Pune
15th Mar 2019
Affordable
Very nice service with an affordable premium for travel insurance.
Kinjal Boghara
Mumbai
5th Mar 2019
User Friendly
Quick, easy, and user-friendly process to buy travel insurance.
Abhijeet Doiphode
Pune
6th Feb 2019
Customer Support
Very prompt and professional service. I am pleased with the customer service team at Bajaj Allianz.
Ushaben Pipalia
Ahmedabad
31st Jan 2019
Quick Assistance
I am highly impressed by the efficiency of the Bajaj Allianz call centre executive who helped me with my travel insurance.
Paromik Bhattacharyya
Kolkata
25th Dec 2018
For your Schengen region (including Germany) visa application and approval process to be successful, it is required by law that you get travel insurance for your trip. The visa application may be denied if you don't have travel insurance.
Yes, you must supply the last three months' worth of bank statements. The authorities will examine these and decide if you qualify for the visa.
You may quickly learn more about them by visiting the official website of the German Ministry of Tourism or the German Missions In India. There may also be occasional adverts in well-known magazines alerting readers about rate changes as they occur.
No. A Schengen tourist visa forbids paid employment. You need a national type D work visa or EU Blue Card to undertake salaried work.
Standard processing is 10–15 days after submission; complex cases may extend to 45 days in peak seasons.
When travelling alone, individual travel plan can be a suitable policy. On the other hand, if you are travelling with your famiy then you may opt in for family floater policy.
No, you can opt one policy for the single journey. Please check with your insurance company for more details.
Students can buy a travel insurance policy between the age of 16-35 years as per the policy terms.
You can opt to cancel your plan before or after the policy starts, as outlined in the policy terms. Please note that cancellation rules may vary based on your coverage.
Yes. You must show proof of medical insurance covering at least €30,000 for all Schengen states and the entire trip duration.
Up to 90 days within any rolling 180-day period, as indicated on the visa sticker and governed by the Schengen calculator.
Yes, confirmed hotel reservations or a formal host invitation are required to prove lodging for each night of your stay.
Yes. Indians must secure a short-stay Schengen visa before entering Germany.
Submit your application between six months and 15 days prior to departure; earlier is advisable to secure interview slots and buffer processing delays.
It is advisable to contact your insurance provider to discuss your claim. Please ensure you have your policy details, passport number, and any other relevant information readily available while submitting your claim.
Usually medical reports and their copies, receipts, invoices, FIRs, etc. are required for a domestic travel insurance claim. You can get more information from the customer care executive of your insurer.
You can register your claim in two ways—online and offline. For online claim settlement, visit the insurance provider's website to register your claim and upload the necessary documents. If you prefer offline claim settlement, you can register your claim by contacting the designated person.
Some travel insurance policies may offer renewal options, but this is not always standard. Generally, travel insurance is designed for specific trip durations. It is best to check with your insurance provider to see if renewal is possible and under what conditions.
Extending a travel insurance plan depends on the specific policy and provider. Some policies may allow extensions under certain circumstances, while others may require purchasing a new policy. Contacting your insurance provider directly is the best way to determine if an extension is possible or not.
If your travel insurance expires while you are still traveling, you will no longer have coverage for any medical emergencies, lost luggage, or other risk. This means you would be responsible for any expenses incurred during your travel after your policy expiration. It is recommended to ensure your travel insurance covers the entire duration of your
The validity period of travel insurance varies significantly. It is tied to the length of your trip, and policies are typically purchased for specific durations. These durations can range from a few days to several months, depending on the policy and provider. Always confirm the exact validity period with your insurance provider before your trip.
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