--- title: "From €0.85/day · Blocked Account in Germany Visa 2026" description: "Blocked account for the visa application at the German embassy 2026: €11,904 deposit + BASTI bundle (€4.90/month + €65 setup) with recognized health cover." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Blocked Account at the Visa Application With the German Embassy", "description": "Blocked account for the visa application at the German embassy 2026: €11,904 deposit + BASTI bundle (€4.90/month + €65 setup) with recognized health cover.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-06", "dateModified": "2026-09-03", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Schengen Area", "url": "https://en.wikipedia.org/wiki/Schengen_Area" }, { "@type": "Thing", "name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Blocked Account for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/" }, { "@type": "ListItem", "position": 3, "name": "Visa Application at the German Embassy", "item": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What is the blocked account amount for the German visa application at the embassy in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "€11,904 for 12 months (12 × €992 BAföG rate 2026). Combined with health insurance (Care Visa Protect from €0.85/day, €30,000 Schengen cover) — both PDFs filed at the German embassy for the § 16b AufenthG student visa." } }, { "@type": "Question", "name": "Which documents does the German embassy require alongside the blocked account?", "acceptedAnswer": { "@type": "Answer", "text": "Passport, visa form, university admission (Zulassung), blocked account confirmation (€11,904), health insurance certificate (Care Visa Protect from €0.85/day or Care College from €27.50/month), biometric photos and language proof. Processing: usually 4–8 weeks." } }, { "@type": "Question", "name": "How long before the embassy appointment should I open the blocked account?", "acceptedAnswer": { "@type": "Answer", "text": "At least 4–6 weeks. BASTI takes 2–5 working days after the €11,904 deposit clears; the SWIFT transfer needs 1–3 days. File the insurance PDF (Care Visa Protect from €0.85/day) in parallel — it is issued in minutes and can be updated closer to the appointment." } }, { "@type": "Question", "name": "Is the blocked account confirmation checked at the embassy or the Ausländerbehörde in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Both. The German embassy checks it for the visa file (§ 16b AufenthG); the Ausländerbehörde re-checks it at the residence permit application after arrival. Insurance proof (DAK-Studenten ~€135.52/month or Care Student €101.54/month) is required at both stages." } }, { "@type": "Question", "name": "What happens if the blocked account is rejected at the German embassy?", "acceptedAnswer": { "@type": "Answer", "text": "Typical rejection reasons: under €11,904 deposit, wrong provider (non-recognised), or incomplete admission letter. Fix: top up the deposit, switch to BASTI or Fintiba (both recognised), and re-file. Insurance PDF (Care Visa Protect from €0.85/day) remains valid; no re-issue needed." } }, { "@type": "Question", "name": "Do I need both a blocked account AND health insurance for the German embassy appointment?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. German embassies require both documents separately: the blocked account (Sperrkonto) proves financial means (€11,904 for 2026), while health insurance proves medical coverage. Neither replaces the other. You can bundle both via the BASTI Smart package — including an instant insurance certificate." } }, { "@type": "Question", "name": "How early should I open the blocked account before the embassy appointment?", "acceptedAnswer": { "@type": "Answer", "text": "At least 4–6 weeks before your appointment. The account opening takes 1–3 business days, but the international bank transfer to fund the account may take 1–4 weeks depending on your country. Without a confirmed deposit, the embassy will not process your visa application. Your proof of insurance, by contrast, is available instantly." } }, { "@type": "Question", "name": "What happens if my blocked account is not funded in time for the embassy appointment?", "acceptedAnswer": { "@type": "Answer", "text": "The embassy will not process your visa application without a confirmed blocked account. You'll need to reschedule — which in many countries means waiting another 6–12 weeks for a new appointment. Make sure your insurance certificate is ready too — BASTI Smart bundles everything in one step." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the blocked account amount for the German visa application at the embassy in 2026?", "text": "What is the blocked account amount for the German visa application at the embassy in 2026?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "€11,904 for 12 months (12 × €992 BAföG rate 2026). Combined with health insurance (Care Visa Protect from €0.85/day, €30,000 Schengen cover) — both PDFs filed at the German embassy for the § 16b AufenthG student visa.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which documents does the German embassy require alongside the blocked account?", "text": "Which documents does the German embassy require alongside the blocked account?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Passport, visa form, university admission (Zulassung), blocked account confirmation (€11,904), health insurance certificate (Care Visa Protect from €0.85/day or Care College from €27.50/month), biometric photos and language proof. Processing: usually 4–8 weeks.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long before the embassy appointment should I open the blocked account?", "text": "How long before the embassy appointment should I open the blocked account?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "At least 4–6 weeks. BASTI takes 2–5 working days after the €11,904 deposit clears; the SWIFT transfer needs 1–3 days. File the insurance PDF (Care Visa Protect from €0.85/day) in parallel — it is issued in minutes and can be updated closer to the appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is the blocked account confirmation checked at the embassy or the Ausländerbehörde in Germany?", "text": "Is the blocked account confirmation checked at the embassy or the Ausländerbehörde in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Both. The German embassy checks it for the visa file (§ 16b AufenthG); the Ausländerbehörde re-checks it at the residence permit application after arrival. Insurance proof (DAK-Studenten ~€135.52/month or Care Student €101.54/month) is required at both stages.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens if the blocked account is rejected at the German embassy?", "text": "What happens if the blocked account is rejected at the German embassy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Typical rejection reasons: under €11,904 deposit, wrong provider (non-recognised), or incomplete admission letter. Fix: top up the deposit, switch to BASTI or Fintiba (both recognised), and re-file. Insurance PDF (Care Visa Protect from €0.85/day) remains valid; no re-issue needed.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need both a blocked account AND health insurance for the German embassy appointment?", "text": "Do I need both a blocked account AND health insurance for the German embassy appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. German embassies require both documents separately: the blocked account (Sperrkonto) proves financial means (€11,904 for 2026), while health insurance proves medical coverage. Neither replaces the other. You can bundle both via the BASTI Smart package — including an instant insurance certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How early should I open the blocked account before the embassy appointment?", "text": "How early should I open the blocked account before the embassy appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "At least 4–6 weeks before your appointment. The account opening takes 1–3 business days, but the international bank transfer to fund the account may take 1–4 weeks depending on your country. Without a confirmed deposit, the embassy will not process your visa application. Your proof of insurance, by contrast, is available instantly.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens if my blocked account is not funded in time for the embassy appointment?", "text": "What happens if my blocked account is not funded in time for the embassy appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The embassy will not process your visa application without a confirmed blocked account. You'll need to reschedule — which in many countries means waiting another 6–12 weeks for a new appointment. Make sure your insurance certificate is ready too — BASTI Smart bundles everything in one step.", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/blocked-account-visa-application-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [🏦 BASTI bundle (account + insurance) from €4.90/month (12 months) ](/en/insurance-plans/blocked-account/overview/) 1. [Home](/en/) 2. [Blocked Account for Germany](/en/blocked-account-visa-germany/) 3. Visa Application at the German Embassy # Blocked Account at the Visa Application With the German Embassy Sources: § 2 AufenthV · § 5 AufenthG · BMI Regelbedarf 2025 · HanseMerkur AVB **At the German embassy visa appointment you must present two proofs side by side: the blocked-account confirmation showing €11,904 deposited (12 × €992, BMI Regelbedarf 2025) AND a § 5 AufenthG-compliant health-insurance certificate.** Missing either one means the file is set aside and the appointment has to be re-booked — typically 6–12 weeks later. The [BASTI bundle from €4.90/month + €65 setup](/en/insurance-plans/blocked-account/overview/) delivers both proofs in one application, with the embassy PDF arriving within 24 hours. Online account opening takes 1–3 business days, but the international transfer of €11,904 can take 1–4 weeks depending on your country and bank — start at least 4–6 weeks before the appointment. The insurance certificate ( [Care Visa Protect from €0.85/day, up to 92 days](/en/insurance-plans/care-visa-protect/overview/)) is issued instantly. After visa approval and university enrolment, switch to DAK-Studenten (under 30, ~€145/month) or [Care Student €101.54/month](/en/insurance-plans/care-student/overview/) (over 30 / GKV-exempt). For language schools and Studienkolleg use [Care College from €27.50/month](/en/insurance-plans/care-college/overview/). Below: an interactive 6-document checklist for the appointment day, the four most common reasons embassy files are refused, the BASTI Basic / Smart / Premium comparison, and the post-arrival switch from Care Visa Protect to DAK-Studenten or Care Student. Blocked Account Provider BASTI / VietinBank / Care Concept Visa Financial Proof Blocked account, bank account, German IBAN and debit card Online Setup Open and fund the account to receive your blocked-account confirmation ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 3, 2026** Sources§ 2 AufenthV · § 5 AufenthG · BMI Regelbedarf 2025 · § 16b AufenthG · § 20a AufenthG · HanseMerkur Care Visa Protect AVB · Auswärtiges Amt 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Embassy appointment booked? Lock in both proofs with the BASTI bundle today. [BASTI bundle (Sperrkonto + Care Visa Protect) from €4.90/month (12 months) ](/en/insurance-plans/blocked-account/overview/)[Care Visa Protect (insurance only) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - At the German embassy visa appointment you must present BOTH proofs side by side: the blocked-account confirmation (€11,904 deposited, IBAN issued) AND a § 5 AufenthG-compliant health-insurance certificate (PDF). Missing one = the file is set aside. - Account opening takes 1–3 business days, but the international transfer of €11,904 can take 1–4 weeks — start at least 4–6 weeks before the appointment. The insurance PDF (Care Visa Protect from €0.85/day) is issued instantly by email. - BASTI Smart bundles both proofs: blocked account €4.90/month + €65 setup AND Care Visa Protect for the embassy phase — one application, one embassy-PDF within 24 hours. Most rejected files were missing the IBAN letter or used outdated deposit amounts (e.g. €11,208). Key facts at a glance Reviewed September 3, 2026 - **Two separate proofs at every embassy appointment:** Financial means via the blocked account (§ 2 AufenthV — €11,904 for 2026, BMI Regelbedarf 2025) AND a § 5 AufenthG-compliant health-insurance certificate. Neither replaces the other; missing one = file set aside. (Source: § 2 AufenthV · § 5 AufenthG). - **Embassy timeline reality:** Account opening 1–3 business days, international transfer of €11,904 1–4 weeks. Embassy slots in many countries are booked 6–12 weeks in advance. Start the BASTI application as soon as the slot is confirmed. (Source: BASTI / Sutor Bank · Auswärtiges Amt). - **BASTI Smart — both proofs in one application:** €4.90/month + €65 one-time setup, including IBAN issuance, embassy confirmation letter and Care Visa Protect (from €0.85/day, up to 92 days). Embassy PDF for both proofs delivered by email within 24 hours. (Source: BASTI AVB · Care Visa Protect AVB). - **Recognised insurance only — no credit-card travel cover:** The embassy accepts only Incoming cover with German PDF certificate (Care Visa Protect, Care College, Care Economy or DAK statutory). Travel insurance bundled with credit cards is routinely refused under § 5 AufenthG. (Source: § 5 AufenthG · BAMF). ## Quick check: Are you ready for the embassy appointment? Tick what you have already prepared — you'll see instantly what is still missing. 0 of 6 documents ready - Blocked-account confirmation (activated, €11,904 deposit visible on IBAN letter) - Health-insurance certificate (§ 5 AufenthG, coverage period, scope, ≥ €30,000) - Passport (valid for the entire planned stay + 3 months) - University admission letter or Studienkolleg/language-school confirmation - Completed visa application form (signed) - Biometric passport photos (current, EU standard) ## Four mistakes that get the visa file refused at the embassy **Quick answer:** "Why was my visa application rejected at the appointment?" — most refused files stumble on one of four points: the Sperrkonto certificate is older than 4 weeks; an outdated deposit amount (€11,208 from a previous year instead of €11,904 for 2026); credit-card travel insurance instead of recognised Incoming cover under § 5 AufenthG; or the IBAN confirmation letter has not yet arrived in time for the slot. ## Avoid the mistakes that can delay your application ### Schengen proof missing? For short Schengen stays, choose insurance that meets the €30,000 minimum-coverage requirement. ### Short stay or longer stay? Care Visa Protect fits many 1–92 day Schengen visits; Care Economy may fit longer or more flexible stays. ### Wrong insurance can cost time Before your embassy appointment, check that the proof matches your visa type, dates and destination. ### Multiple entries planned? If you travel more than once, check the multiple-entry option and the annual day limit before applying. ## What a re-booked embassy appointment actually costs ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 🛂 1 wrong certificate Visa appointment at risk Wrong dates, missing coverage details, unclear validity area or missing repatriation wording can delay your documents exactly when time matters. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Embassy slots fill up — sign BASTI early so the deposit clears in time ## Why act before the visa appointment Visa appointments can be hard to reschedule. Missing or unsuitable insurance proof can create avoidable delay exactly when time matters. 📅 Appointment pressure If your documents are incomplete, you may need extra time to prepare corrected proof. 📄 Certificate must fit Check coverage amount, validity dates, destination area and repatriation wording before the appointment. ⚡ PDF proof after application Several online tariffs provide a PDF certificate after successful application. 🛡️ Avoid last-minute panic Choose the right insurance before submitting your visa file, not after a document problem appears. ## From application to embassy-ready PDF — in 3 steps 10 minutes online. IBAN, deposit instructions and the embassy confirmation letter by email within 24 hours. Care Visa Protect PDF issued instantly. Both proofs accepted by every German embassy worldwide under § 2 AufenthV and § 5 AufenthG. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What students say about the BASTI bundle for the German embassy visa appointment 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended bundle for the embassy appointment 🎯 Standard · embassy dual-proof bundle ### BASTI Blocked Account from only €4.90 / month + €65 one-time fee (buffer amount: €100) For visas, university studies, language school, Studienkolleg, vocational training & the German Opportunity Card - Accepted by German authorities; usable for visa documents - Blocked account + bank account + German IBAN in one application - Debit card included – practical after arrival in Germany - Low fees: €4.90/month + €65 one-time fee - Online registration possible from abroad - Monthly blocked amount adjustable based on embassy requirements - 3 packages available: Basic, Smart & Premium - Smart/Premium: incoming health insurance included - Smart/Premium: accident & liability insurance included - Suitable for students, language students, Studienkolleg, vocational training & job search Why BASTI Blocked Account? For anyone who needs an accepted blocked account for a German visa or residence permit — with a bank account, German IBAN and matching insurance options in one application. Why Smart or Premium? More security before entering Germany: health insurance, bank account and blocked account are combined, so you need fewer separate applications and can better prepare important documents. - 🏛️ Powered by VietinBank · BASTI / Care Concept - 📄 Suitable for visas, embassies & immigration authorities - 💳 Blocked account + bank account + German IBAN + debit card - 🏷️ From €4.90 / month · €65 one-time fee · €100 buffer [BASTI Blocked Account – Quick Overview](/en/insurance-plans/blocked-account/overview/) [Apply online now](/en/insurance-plans/blocked-account/apply/) → Complete the application, open and fund your blocked account, prepare your visa proof 🛟 Insurance-only (if account already opened) ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof For the post-enrolment student tariff see the [foreign-students hub (DAK / Care Student / Care College)](/en/health-insurance-foreign-students-germany/). For the full overview of blocked-account scenarios see the [blocked-account hub](/en/blocked-account-visa-germany/). ## BASTI bundle — Basic vs. Smart vs. Premium **Quick answer:** BASTI Basic = blocked account only (€4.90/month + €65 setup). BASTI Smart adds Care Visa Protect (from €0.85/day, up to 92 days), accident + liability cover and the DAK Garantietarif 120 (€120/year saving on the GKV premium after enrolment). BASTI Premium adds DAK Fit & Travel for semester-break travel cover. Fees & premiums BASTI Basic Bestseller BASTI Smart BASTI Premium Monthly fee €4.90 €4.90 €4.90 One-time processing fee €65.00 €65.00 €65.00 Buffer amount €100.00 €100.00 €100.00 Incoming health insurance FREE FREE Statutory health insurance (DAK) €145.52 €135.52 €145.52 Accident & liability insurance €7.50 €7.50 Required blocked amount: €11,904 = 12 × €992 monthly blocked amount, plus a €100 buffer (BAföG rate, as of 2026) — this is a deposit, not a fee. One-time processing fee €65 (€50 account opening + €5 balance confirmation + €10 account management). Smart saves about €153 on incoming insurance. As of 2026. [BASTI — Overview](/en/insurance-plans/blocked-account/overview/) [Apply now](/en/insurance-plans/blocked-account/overview/) ## Frequently Asked Questions What is the blocked account amount for the German visa application at the embassy in 2026? €11,904 for 12 months (12 × €992 BAföG rate 2026). Combined with health insurance (Care Visa Protect from €0.85/day, €30,000 Schengen cover) — both PDFs filed at the German embassy for the § 16b AufenthG student visa. Which documents does the German embassy require alongside the blocked account? Passport, visa form, university admission (Zulassung), blocked account confirmation (€11,904), health insurance certificate (Care Visa Protect from €0.85/day or Care College from €27.50/month), biometric photos and language proof. Processing: usually 4–8 weeks. How long before the embassy appointment should I open the blocked account? At least 4–6 weeks. BASTI takes 2–5 working days after the €11,904 deposit clears; the SWIFT transfer needs 1–3 days. File the insurance PDF (Care Visa Protect from €0.85/day) in parallel — it is issued in minutes and can be updated closer to the appointment. Is the blocked account confirmation checked at the embassy or the Ausländerbehörde in Germany? Both. The German embassy checks it for the visa file (§ 16b AufenthG); the Ausländerbehörde re-checks it at the residence permit application after arrival. Insurance proof (DAK-Studenten ~€135.52/month or Care Student €101.54/month) is required at both stages. What happens if the blocked account is rejected at the German embassy? Typical rejection reasons: under €11,904 deposit, wrong provider (non-recognised), or incomplete admission letter. Fix: top up the deposit, switch to BASTI or Fintiba (both recognised), and re-file. Insurance PDF (Care Visa Protect from €0.85/day) remains valid; no re-issue needed. Do I need both a blocked account AND health insurance for the German embassy appointment? Yes. German embassies require both documents separately: the blocked account (Sperrkonto) proves financial means (€11,904 for 2026), while health insurance proves medical coverage. Neither replaces the other. You can bundle both via the [BASTI Smart package](/en/insurance-plans/blocked-account/overview/) — including an instant insurance certificate. How early should I open the blocked account before the embassy appointment? At least 4–6 weeks before your appointment. The account opening takes 1–3 business days, but the international bank transfer to fund the account may take 1–4 weeks depending on your country. Without a confirmed deposit, the embassy will not process your visa application. Your proof of insurance, by contrast, is available instantly. What happens if my blocked account is not funded in time for the embassy appointment? The embassy will not process your visa application without a confirmed blocked account. You'll need to reschedule — which in many countries means waiting another 6–12 weeks for a new appointment. Make sure your insurance certificate is ready too — [BASTI Smart](/en/insurance-plans/blocked-account/overview/) bundles everything in one step. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 3, 2026.