Best Travel Insurance For Indian Parents Visiting Germany

When parents from India plan to visit their children in Germany a valid Schengen travel insurance is mandatory. The policy must cover at least 30,000 euro, including medical repatriation. But medical care in Germany can easily cost much more. That is why choosing the right policy is critical.

In this guide we compare the best options for Indian parents visiting Germany – first sorted by price and then by benefits – so you can make a safe decision for your family.

Ranked by Price for a Two Month Visit

1. ADAC Incoming (Health + Liability)

• Price: about 84 € for 2 months (≈1.40 €/day)

• Coverage: ~1 million €+

• Includes: health cover, repatriation, liability

• Why choose: excellent value for money, perfect for budget-oriented parents

2. Advigon Care Economy (Basic)

• Price: about 144 € for 2 months (≈2.40 €/day)

• Coverage: unlimited

• Includes: all necessary medical treatment, repatriation

• Why choose: maximum medical safety, no financial limits
  
  

  

3. AXA Schengen Premium

• Price: about 240–300 € for 2 months (≈4.20 €/day)

• Coverage: 2 million €

• Includes: medical cover, liability, baggage (2,000 €), accident cover, repatriation

• Why choose: complete all-round protection with many extras

Ranked by Benefits

⭐⭐⭐⭐⭐ Advigon Care Economy (Basic)

Unlimited coverage – no ceiling, best for families who want total safety.

⭐⭐⭐⭐ AXA Schengen Premium

High limit of 2 million €, plus liability, accident, baggage and search & rescue.

⭐⭐⭐ ADAC Incoming (Health + Liability)

Strong everyday cover at a very low cost, including liability – but not unlimited.

Quick Comparison Table

Practical Recommendations

• Budget but safe: ADAC Incoming (best value + liability included)

• Maximum medical protection: Advigon Care Economy (unlimited cover)

• Full bundle with extras: AXA Schengen Premium (ideal for longer stays)

👉 Important: Minimum policies with 50,000 € (like Care Visa Protect) meet the visa requirement but are not realistic for serious hospital cases in Germany.

Documents Your Parents Should Carry

• Passport and visa

• Insurance certificate (printed copy)

• Emergency contact of the insurer

• List of prescriptions and medical history summary

• Your address and contact in Germany

FAQs

Do we need insurance for every day of the stay?
Yes, the policy must fully cover the entry and exit dates.

Are pre-existing conditions covered?
No, only sudden acute illness and accidents are covered.

Can the policy be extended if parents stay longer?
Yes, most plans allow extension before expiry.

Which plans are accepted for Schengen visa?
All three options (ADAC Incoming, Advigon, AXA Premium) meet the Schengen requirements.

Is liability insurance necessary?
Very useful. ADAC includes it, AXA includes a small limit, Advigon is health-only.