Coverage of travel health insurance for Germany:
Travel health insurance is one of the main requirements for visa applications. German embassy demands travel health insurance that covers a minimum amount of 30,000 euros for medical treatment and home repatriation in case of illness or death. The applicant also has to ensure that this insurance not only covers Germany but all Schengen countries.
Duration of travel health insurance:
Normally the German embassy demands three months of travel health insurance but they accept six months of travel health insurance as well. German embassy issues initial visa according to the duration of the travel health insurance.
If you will submit travel health insurance with three months duration then you will get three months of entry visa. If you will submit six months of travel health insurance then you will get six months visa.
So it will be better if you submit a travel health insurance valid for at least 6 months from your intended date of travel onwards so that you will get a visa with a validity of 6 months.
List of health insurance companies in Pakistan:
There are so many insurance companies in Pakistan. But only a few companies are providing travel health insurance which compliance with Schengen countries. Must confirm Schengen countries compliance before taking travel health insurance from any company.
Many insurance companies in Pakistan are now approved by the German embassy. Prefer to take travel health insurance for Germany from these companies. Here is the complete list:
- EFU General
- Atlas Insurance
- Askari General Insurance Company Ltd
- Adamjee Insurance Company Ltd.
- Asia Insurance Co Ltd
- CHUBB Insurance Company Ltd. (formerly ACE Insurance Ltd.)
- CICL (Century Insurance Company Ltd)
- Shaheen Insurance
- Continental Insurance Company Ltd.
- Crescent Star Insurance Limited
- East-West Insurance Company Ltd
- Habib Insurance Company Ltd.
- Jubilee General Insurance Co. Ltd
- PICIC (Pakistan Industrial Credit Investment Corporation)
- UIC (United Insurance Company)
- Universal Insurance Co. Ltd
- Premier Insurance Limited
- Pak-Qatar General Takaful Ltd
- Sindh Insurance
- SPI Insurance Company Ltd (formerly Saudi Pak)
- TPL Direct Insurance Ltd
- UBL Insurers Ltd
Cost of travel insurance:
Companies are offering travel health insurance at different prices. Choose one that is reasonable and with a normal or silver package. You will get local German health insurance after arrival in Germany. So expensive packages like platinum or gold are worthless. Get travel health insurance only for one time traveling.
FAQs about travel health insurance:
Askari, UIC and IGI Insurance are best and cheapest. You can also use the travel insurance of Coracle. It’s free if you take German health insurance from Coracle.
Minimum three months but you can submit six months as well to get six months entry visa.