Opportunity Card and Residence Without Studies 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 Economy — all prices by age & duration
| Care Economy Laufzeit |
Bestsellerbis 64 J.
|
bis 64 J.
|
Bestsellerab 65 J.
|
ab 65 J.
|
|---|---|---|---|---|
| ohne SB | mit SB | ohne SB | mit SB | |
| bis 90 Tage | 1,18 €/Tag | 1,00 €/Tag | 3,48 €/Tag | 2,95 €/Tag |
| 91–180 Tage | 1,59 €/Tag | 1,35 €/Tag | 4,37 €/Tag | 3,70 €/Tag |
| 181–365 Tage | 2,30 €/Tag | 1,95 €/Tag | 5,84 €/Tag | 4,95 €/Tag |
| 366–730 Tage | 2,83 €/Tag | 2,40 €/Tag | 9,32 €/Tag | 7,90 €/Tag |
Alle Preise pro Tag/Person in Euro. Mindestprämie 10,– € pro Person und Laufzeit. SB = Selbstbeteiligung. Eintrittsalter 0–74 Jahre. Stand 2026.
Frequently asked questions
Is a Sperrkonto really required for the Chancenkarte?
Yes — proof of financial means (€11,904 / year) via a German blocked account is one of the standard accepted options for the Chancenkarte residence permit.
Which insurance fits a 12-month Chancenkarte stay?
Care Economy (long-stay Incoming) is the standard solution; many applicants pair it with BASTI Smart, which already bundles Care Visa Protect.
Can I switch to GKV after I find a job?
Yes. Once you sign an employment contract above the marginal-employment threshold, you switch to GKV (e.g. DAK-Gesundheit) on the first day of the job.
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