I agree with janis, ask the consulate, because many people on this forum do not apply for visas for Germany. They are just eligible for the 90 days out of 180 in the Schengen countries, by virtue of being citizens of a country which has that arrangement with Schengen (like the US or Australia, for instance), and that is mostly sufficient for tourism purposes. I think if you are from India, for instance, you are not part of that arrangement and will need to make proper enquiries with someone who knows.
Lavandula
Source: http://www.fodors.com/community/europe/travel-health-insurance-464202-2.cfm
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