Schengen visa health insurance Germany — €30,000 cover, ≤ 92 days (2026)
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.
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, Care Economy from €30 / 30 days — 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
- Confirm the exact travel dates and every Schengen state on the itinerary.
- Buy Care Visa Protect online — pick age, tier and the precise duration.
- Receive the bilingual Versicherungsbestätigung by email within minutes.
- Upload the PDF to the embassy portal or VFS Global application centre.
- 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.
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.
Over 10,000 policies issued · Since 2009