Blocked Account + Health Insurance in Germany
A blocked account with €11,904 (12-month deposit) is required for most German student visas and the Opportunity Card (Chancenkarte). The BASTI package (€4.90/month + €65 setup) bundles the account with recognized health insurance, satisfying both visa requirements at once.
Recommended tariffs
Blocked Account (BASTI) — all prices by age & duration
| Gebühren & Prämien |
BASTI Basic
|
BestsellerBASTI Smart
|
BASTI Premium
|
|---|---|---|---|
| Monatliche Gebühr | 4,90 € | 4,90 € | 4,90 € |
| Bearbeitungsgebühr (einmalig) | 65,00 € | 65,00 € | 65,00 € |
| Puffer | 100,00 € | 100,00 € | 100,00 € |
| Incoming-Krankenversicherung | GRATIS | GRATIS | |
| Gesetzliche Krankenversicherung (DAK) | 145,52 €135,52 € | 145,52 € | |
| Unfall- u. Haftpflichtversicherung | 7,50 € | 7,50 € |
Erforderliche Sperrkonto-Einlage: 11.904 € = 12 × 992 € monatlicher Sperrbetrag plus 100 € Puffer (BAföG-Satz, Stand 2026) — keine Gebühr, sondern Einlage. Bearbeitungsgebühr einmalig 65 € (50 € Kontoeröffnung + 5 € Saldobestätigung + 10 € Kontoführung). Smart spart ca. 153 € auf Incoming-Versicherung. Stand 2026.
Care Visa Protect — all prices by age & duration
| Care Visa Protect | Tagesprämie | Multiple Visa (Jahresvertrag) |
|---|---|---|
| bis 64 Jahre | 0,85 €/Tag | 110 €/Jahr |
| 65 – 74 Jahre | 2,60 €/Tag | 215 €/Jahr |
Preise pro Person. Mindestprämie 8,50 € pro Reise. Höchstleistung 50.000 € (deutlich über Schengen-Minimum 30.000 €). Selbstbeteiligung 0 €. Abschluss vor Reisebeginn erforderlich. Stand 2026.
Frequently asked questions
How fresh do the Sperrkonto and insurance PDFs need to be?
Most German consulates require both documents to be issued within the last 4 weeks of the visa appointment date.
In what language are the certificates accepted?
BASTI and Care Concept issue PDFs in German and English — both accepted by every German consulate worldwide.
Can I show a foreign bank account instead of a Sperrkonto?
No. German consulates only accept a German blocked account (Sperrkonto) from a BaFin-regulated provider. Common names that students research in this market include Expatrio, Fintiba, Coracle and Sutor Bank (the partner bank behind BASTI); each publishes its own terms on its own website. BASTI is one such recognised provider.
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