Schengen Visa: Is Any Travel Health Insurance Enough for Germany?

No. EU Reg. 810/2009 Art. 15 requires €30,000 medical cover, repatriation and Schengen-wide validity — Care Visa Protect from €0.85/day meets this (see /en/insurance-plans/care-visa-protect/overview/).

€30,000 medical cover, repatriation of remains, and cover valid across all 27 Schengen states for the exact visa duration (max 90 days per 180).

German-licensed Incoming insurers such as HanseMerkur (Care Visa Protect from €0.85/day, min. €7.50) — instantly issued PDF — Care Visa Protect.

No — the certificate must be attached to the visa application; buying after issuance risks refusal at the border under the Schengen Borders Code.

You need a national D-visa and a long-stay policy — Care Economy from €30/30 days or Care Expatriate from €58/month — Care Economy.

No. The insurance must meet specific EU requirements: minimum €30,000 coverage, valid across all Schengen countries, and including medical repatriation. Many standard travel policies fail these criteria. Care Visa Protect (from €0.85/day) is specifically designed for Schengen visa applications and provides instant proof.

Your visa application will likely be denied or postponed. You'll need to purchase compliant insurance and reschedule — costing time and additional fees. Care Economy (from €30/30 days) is an alternative for longer stays that also provides instant PDF certificates.

With Care Visa Protect (from €0.85/day), a 14-day trip costs under €12. Compared to the €80 visa application fee you'd lose if rejected, proper insurance is a minimal investment. The PDF certificate arrives within minutes by email.