Blocked Account + Health Insurance in Germany

Most German consulates require both documents to be issued within the last 4 weeks of the visa appointment date.

BASTI and Care Concept issue PDFs in German and English — both accepted by every German consulate worldwide.

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.

1) The Sperrbestätigung (blocked-account confirmation, €11,904) and 2) the health-insurance PDF certificate covering the full requested visa period. Both must be in the applicant's exact passport name and issued on official letterhead — embassies reject photocopies of screenshots or unsigned confirmations.

1) Name mismatch between passport and Sperrbestätigung (35% of rejections per BAMF 2024), 2) insurance validity gap before the intended entry date (28%), 3) coverage under €30,000 for Schengen or missing repatriation clause (20%). Care Visa Protect and BASTI issue compliant certificates for all three.

Most embassies require both: a blocked account (Sperrkonto) as proof of financial means and a valid health insurance certificate. You can combine both with the BASTI Smart or Premium package, which includes health insurance automatically.

Short-stay Schengen insurance starts at 0.85 EUR/day with Care Visa Protect. For longer stays (studies, Chancenkarte), incoming insurance like Care Economy starts at 30 EUR/30 days.

Yes. The BASTI Smart package bundles a blocked account (11,904 EUR deposit) with Care Visa Protect insurance, DAK health plan eligibility, and accident/liability coverage – all in a single online application.