--- title: "From €0.85/day · Schengen visa insurance Germany 2026" description: "Schengen visa health insurance for Germany — €30,000 minimum cover, valid in all 27 Schengen states, medically-indicated repatriation, EU Regulation 810/2009. Care Visa Protect from €0.85/day." 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": "Schengen visa health insurance Germany — €30,000 cover, ≤ 92 days (2026)", "description": "Schengen visa health insurance for Germany — €30,000 minimum cover, valid in all 27 Schengen states, medically-indicated repatriation, EU Regulation 810/2009. Care Visa Protect from €0.85/day.", "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": "2026-09-12", "dateModified": "2026-09-13", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/costs-benefits-germany/schengen-visa-health-insurance-germany/" }, "image": 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"https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Costs & benefits in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/costs-benefits-germany/" }, { "@type": "ListItem", "position": 4, "name": "Schengen visa health insurance Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/costs-benefits-germany/schengen-visa-health-insurance-germany/" } ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Insurance broker for Schengen visa and Incoming insurance for foreigners in Germany", "knowsAbout": [ "EU Regulation 810/2009 (Visa Code)", "Schengen visa insurance requirements", "Care Visa Protect AVB", "Long-stay D-visa Incoming insurance" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "https://www.krankenversicherung-auslaender.de/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, { "@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": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What insurance do I need for a Schengen visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. EU Regulation 810/2009 (the Visa Code) requires every Schengen short-stay applicant to hold travel medical insurance with a minimum coverage of €30,000, valid in all 27 Schengen states for the full duration of the planned stay, and including medically-indicated repatriation to the home country. The German embassy or consulate verifies the certificate before issuing the visa." } }, { "@type": "Question", "name": "How much does Schengen visa insurance for Germany cost?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect starts at €0.85/day with a minimum premium of €7.50. A typical 30-day Schengen stay therefore costs around €25.50 in premium. The price depends on age (0–74) and the policy tier (Basic, Comfort, Premium, XL)." } }, { "@type": "Question", "name": "Does Care Visa Protect satisfy the German embassy requirement?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — the bilingual Versicherungsbestätigung is sent by email within minutes and can be uploaded directly to the embassy or VFS portal." } }, { "@type": "Question", "name": "Is my home-country travel insurance enough for a Schengen visa?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. Usually no. Home-country travel policies typically fail on at least one of three points — they are not valid in all Schengen states, the duration does not cover the whole stay, or repatriation is missing or limited to evacuation only. The embassy checks the certificate wording line by line." } }, { "@type": "Question", "name": "Can I extend Schengen insurance beyond 92 days?", "acceptedAnswer": { "@type": "Answer", "text": "No — Schengen visa insurance is capped at 92 days per stay. Once the stay extends beyond 92 days (long-stay D-visa, residence permit, family reunion) the legal regime switches to § 5 AufenthG and the Incoming products (Care Expatriate from €58/month, Care College from €27.50/month, Care Economy from €30/30 days) replace the Schengen travel policy." } }, { "@type": "Question", "name": "When must I buy Schengen insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. Before the visa appointment, and the policy must already be active by the planned travel start date. Care Visa Protect can only be taken out before travel starts — once the trip has begun, the cover cannot be issued retroactively." } }, { "@type": "Question", "name": "Can I get my premium back if the visa is denied?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Visa Protect is refunded against the official visa-rejection letter, minus any days already on cover. Refund processing usually takes a few working days." } }, { "@type": "Question", "name": "Is Schengen insurance also valid in non-Schengen EU states?", "acceptedAnswer": { "@type": "Answer", "text": "No — Schengen insurance is by design valid in the 27 Schengen-area countries. Stays in non-Schengen countries (Ireland, Cyprus, Bulgaria, Romania) need a separate cover or a worldwide product such as Care Economy." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance do I need for a Schengen visa to Germany?", "text": "What insurance do I need for a Schengen visa to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. EU Regulation 810/2009 (the Visa Code) requires every Schengen short-stay applicant to hold travel medical insurance with a minimum coverage of €30,000, valid in all 27 Schengen states for the full duration of the planned stay, and including medically-indicated repatriation to the home country. The German embassy or consulate verifies the certificate before issuing the visa.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/costs-benefits-germany/schengen-visa-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Schengen visa insurance — glossary", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Schengen area", "description": "Border-free zone of 27 European countries created by the Schengen Agreement. 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Must be a line item in the policy summary for Schengen acceptance.", "inDefinedTermSet": "Schengen visa insurance — glossary" }, { "@type": "DefinedTerm", "name": "Versicherungsbestätigung", "description": "Bilingual insurance confirmation certificate the embassy and VFS portal verify before issuing the Schengen visa.", "inDefinedTermSet": "Schengen visa insurance — glossary" }, { "@type": "DefinedTerm", "name": "VFS Global", "description": "Visa application centre operator partnering with most German embassies — receives the application file, biometric data and insurance certificate on behalf of the consulate.", "inDefinedTermSet": "Schengen visa insurance — glossary" } ] }, { "@context": "https://schema.org", "@type": "Dataset", "name": "Care Visa Protect — Schengen visa health insurance prices by duration and age (2026)", "description": "Daily premiums for Care Visa Protect — recognised Schengen short-stay health insurance for Germany. 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The policy must cover the full window." }, { "@type": "HowToStep", "position": 2, "name": "Buy Care Visa Protect online", "text": "Select age, tier and exact duration. The premium is calculated at €0.85/day and up (minimum €7.50)." }, { "@type": "HowToStep", "position": 3, "name": "Receive the bilingual certificate", "text": "The Versicherungsbestätigung arrives by email within minutes — DE/EN, signed by HanseMerkur, ready for the embassy or VFS portal." }, { "@type": "HowToStep", "position": 4, "name": "Upload to the embassy or VFS portal", "text": "Attach the certificate PDF to the visa application file. The consular officer verifies €30,000 cover, full-Schengen validity and repatriation wording." }, { "@type": "HowToStep", "position": 5, "name": "If the visa is denied", "text": "File the refund request with the official rejection letter. Care Visa Protect is refunded minus any days already on cover within a few working days." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "Product", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/costs-benefits-germany/schengen-visa-health-insurance-germany/#care-visa-protect", "name": "Care Visa Protect — Schengen visa health insurance Germany", "category": "Schengen short-stay travel medical insurance", "brand": { "@type": "Organization", "name": "HanseMerkur Reiseversicherung AG" }, "description": "Recognised Schengen-compliant travel medical insurance for Germany. €30,000+ cover, valid in all 27 Schengen states, medically-indicated repatriation, EU Regulation 810/2009. Age 0–74, duration 1–92 days.", "audience": { "@type": "PeopleAudience", "audienceType": "Schengen short-stay visa applicants for Germany" }, "offers": { "@type": "AggregateOffer", "priceCurrency": "EUR", "lowPrice": "0.85", "highPrice": "8.00", "offerCount": 16, "priceSpecification": { "@type": "UnitPriceSpecification", "priceCurrency": "EUR", "price": "0.85", "unitText": "DAY" }, "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-visa-protect/overview/" }, "sameAs": "https://www.wikidata.org/wiki/Q1576548" } ] --- 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/) 1 Step 1/3: Check plan (you are here) › 2 Step 2/3: Get PDF proof › 3 Step 3/3: Submit to authority [See prices →](#prices) 1. [Home](/en/) 2. Guide to Health Insurance in Germany 3. Costs & Benefits Germany 4. Schengen visa insurance Germany 📑 On this page (6) - [→ 30-second answer](#answer-box) - [→ Legal requirements (EU 810/2009)](#requirements) - [→ Care Visa Protect — prices by duration & age](#prices) - [→ Schengen vs Incoming — when to switch](#vs-incoming) - [→ How to attach insurance to the visa file](#process) - [→ FAQ — 8 most common questions](#faq) 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) # Schengen visa health insurance Germany — €30,000 cover, ≤ 92 days (2026) ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 13, 2026** SourcesEU Regulation 810/2009 · Auswärtiges Amt · HanseMerkur AVB · Care Concept AG Schengen visa health insurance is the travel-medical cover the German embassy and every other Schengen consulate verify before issuing a short-stay visa. The legal floor is set by EU Regulation 810/2009: at least €30,000 cover, valid in all 27 Schengen states for the full duration of the planned stay, and including medically-indicated repatriation to the home country. Care Visa Protect — underwritten by HanseMerkur Reiseversicherung AG — is the recognised Schengen product for Germany. Premiums start at €0.85/day (minimum €7.50), the bilingual Versicherungsbestätigung arrives by email within minutes, and the refund mechanic against an official visa-rejection letter is documented in the AVB. Editor's note — home-country travel policies typically fail on at least one of three points: Schengen-wide validity, full-stay duration, or the repatriation line item. Check the certificate wording before the embassy appointment. **Quick answer:** EU Regulation 810/2009 sets the Schengen visa-insurance floor: €30,000 minimum medical cover, validity in all 27 Schengen states for the full stay, plus medically-indicated repatriation. Care Visa Protect from €0.85/day (minimum €7.50) satisfies all three for German embassies. ## Legal requirements — EU Regulation 810/2009 Article 15 - **€30,000 minimum medical cover** — for emergency hospital, treatment and rescue. - **Validity in all 27 Schengen states** — not just Germany, not just the country of first entry. - **Full duration of the planned stay** — start date ≤ travel start, end date ≥ travel end. - **Medically-indicated repatriation** — must be a line item in the policy summary. - **Issued before the visa appointment** — the certificate is uploaded with the application. ## Care Visa Protect — prices by duration and age **Quick answer:** Care Visa Protect is age-banded (0–74) and tier-banded (Basic, Comfort, Premium, XL). Entry price €0.85/day at the lowest age band; minimum premium €7.50. A 30-day stay typically costs €25.50–€60 depending on age and tier. Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ## Schengen vs Incoming — when to switch product Care Visa Protect covers stays up to 92 days under the Schengen short-stay regime. Once the planned stay exceeds 92 days, a long-stay D-visa is required and the legal regime switches from EU 810/2009 to § 5 AufenthG. At that point the recognised Incoming products — [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/), [Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) — replace Schengen cover. The bilingual certificate structure is similar; the AVB and the medical scope differ. ## How to attach Schengen insurance to the German visa file 1. Confirm the exact travel dates and every Schengen state on the itinerary. 2. Buy Care Visa Protect online — pick age, tier and the precise duration. 3. Receive the bilingual Versicherungsbestätigung by email within minutes. 4. Upload the PDF to the embassy portal or VFS Global application centre. 5. If the visa is denied, file the refund request with the official rejection letter — refund within a few working days. ## Frequently asked questions — Schengen visa insurance Germany ## Frequently Asked Questions What insurance do I need for a Schengen visa to Germany? Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. EU Regulation 810/2009 (the Visa Code) requires every Schengen short-stay applicant to hold travel medical insurance with a minimum coverage of €30,000, valid in all 27 Schengen states for the full duration of the planned stay, and including medically-indicated repatriation to the home country. The German embassy or consulate verifies the certificate before issuing the visa. How much does Schengen visa insurance for Germany cost? Care Visa Protect starts at €0.85/day with a minimum premium of €7.50. A typical 30-day Schengen stay therefore costs around €25.50 in premium. The price depends on age (0–74) and the policy tier (Basic, Comfort, Premium, XL). Does Care Visa Protect satisfy the German embassy requirement? Yes — the bilingual Versicherungsbestätigung is sent by email within minutes and can be uploaded directly to the embassy or VFS portal. Is my home-country travel insurance enough for a Schengen visa? Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. Usually no. Home-country travel policies typically fail on at least one of three points — they are not valid in all Schengen states, the duration does not cover the whole stay, or repatriation is missing or limited to evacuation only. The embassy checks the certificate wording line by line. Can I extend Schengen insurance beyond 92 days? No — Schengen visa insurance is capped at 92 days per stay. Once the stay extends beyond 92 days (long-stay D-visa, residence permit, family reunion) the legal regime switches to § 5 AufenthG and the Incoming products (Care Expatriate from €58/month, Care College from €27.50/month, Care Economy from €30/30 days) replace the Schengen travel policy. When must I buy Schengen insurance? Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. Before the visa appointment, and the policy must already be active by the planned travel start date. Care Visa Protect can only be taken out before travel starts — once the trip has begun, the cover cannot be issued retroactively. Can I get my premium back if the visa is denied? Yes — Care Visa Protect is refunded against the official visa-rejection letter, minus any days already on cover. Refund processing usually takes a few working days. Is Schengen insurance also valid in non-Schengen EU states? No — Schengen insurance is by design valid in the 27 Schengen-area countries. Stays in non-Schengen countries (Ireland, Cyprus, Bulgaria, Romania) need a separate cover or a worldwide product such as Care Economy. ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 13, 2026** SourcesEU 810/2009 · Auswärtiges Amt · HanseMerkur AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for the embassy? Lock in Care Visa Protect now. [Care Visa Protect ab nur 0,85 € / Tag (bis 92 Tage) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy (>92 days) ab nur 30,00 € / 30 Tage (bis 64 J.) (bis 2 Jahre) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. [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 13, 2026.