--- title: "From €2.60/day · short visit seniors Germany 2026" description: "Short visit to Germany as a senior — which Schengen health-insurance cover is commonly required: €30,000 minimum, repatriation, all Schengen states (EU 810/2009). Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)." 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": "Short visit to Germany as a senior — which health-insurance cover is commonly required?", "description": "Short visit to Germany as a senior — which Schengen health-insurance cover is commonly required: €30,000 minimum, repatriation, all Schengen states (EU 810/2009). Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74).", "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": "2026-08-26", "dateModified": "2026-08-27", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "European Health Insurance Card", "url": "https://en.wikipedia.org/wiki/European_Health_Insurance_Card" }, { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "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": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Retirees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/" }, { "@type": "ListItem", "position": 4, "name": "Short visit for seniors — required cover", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-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": "Which health insurance do seniors need for a short Schengen visit to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "A recognised Schengen travel policy with ≥ €30,000 medical cover, repatriation and all Schengen states — EU Regulation 810/2009. Care Visa Protect from €0.85/day (age up to 64) or €2.60/day (age 65–74), minimum premium €8.50, PDF issued the same day for the visa file." } }, { "@type": "Question", "name": "How much does Care Visa Protect cost for a 30-day senior visit?", "acceptedAnswer": { "@type": "Answer", "text": "About €78 at age 65–74 (30 × €2.60) or €25.50 at age up to 64 (30 × €0.85). Both include the mandatory €30,000 medical minimum, repatriation and all Schengen states. Trip length up to 92 days per stay." } }, { "@type": "Question", "name": "Does the German embassy accept ADAC or Allianz Travel for senior Schengen visas?", "acceptedAnswer": { "@type": "Answer", "text": "Only if the policy explicitly meets EU Reg. 810/2009 — €30,000 cover, repatriation, all Schengen states, non-cancellable during the visa period. Many domestic travel policies fail the non-cancellability test. Care Visa Protect is embassy-listed from €0.85/day and issues in the required German-language format." } }, { "@type": "Question", "name": "Are pre-existing conditions covered on Care Visa Protect for seniors?", "acceptedAnswer": { "@type": "Answer", "text": "Only acute exacerbation of stable pre-existing conditions during the trip (§ 19 VVG disclosure). Planned treatment, chronic-illness management and dialysis remain excluded. For pre-existing conditions requiring active treatment abroad, a specialist chronic-illness policy is needed." } }, { "@type": "Question", "name": "What is the maximum age for Care Visa Protect Schengen cover?", "acceptedAnswer": { "@type": "Answer", "text": "Age 74 (last day). From age 75 the standard Schengen route closes; seniors can use bespoke long-stay medical cover or family sponsorship structures. Between age 65–74 the daily premium is €2.60/day for up to 92 days per stay." } }, { "@type": "Question", "name": "What insurance do elderly visitors need for a short stay in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For Schengen visa holders, travel health insurance with at least €30,000 coverage is mandatory. The Care Visa Protect (from €0.85/day) covers visitors up to age 74 and provides an instantly downloadable certificate for the embassy." } }, { "@type": "Question", "name": "Is there an age limit for travel insurance to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Many providers cap coverage at age 65 or 70. Care Visa Protect and Care Economy both cover visitors up to 74 years, making them suitable for senior family visitors." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which health insurance do seniors need for a short Schengen visit to Germany?", "text": "Which health insurance do seniors need for a short Schengen visit to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A recognised Schengen travel policy with ≥ €30,000 medical cover, repatriation and all Schengen states — EU Regulation 810/2009. Care Visa Protect from €0.85/day (age up to 64) or €2.60/day (age 65–74), minimum premium €8.50, PDF issued the same day for the visa file.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does Care Visa Protect cost for a 30-day senior visit?", "text": "How much does Care Visa Protect cost for a 30-day senior visit?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "About €78 at age 65–74 (30 × €2.60) or €25.50 at age up to 64 (30 × €0.85). Both include the mandatory €30,000 medical minimum, repatriation and all Schengen states. Trip length up to 92 days per stay.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the German embassy accept ADAC or Allianz Travel for senior Schengen visas?", "text": "Does the German embassy accept ADAC or Allianz Travel for senior Schengen visas?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only if the policy explicitly meets EU Reg. 810/2009 — €30,000 cover, repatriation, all Schengen states, non-cancellable during the visa period. Many domestic travel policies fail the non-cancellability test. Care Visa Protect is embassy-listed from €0.85/day and issues in the required German-language format.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Are pre-existing conditions covered on Care Visa Protect for seniors?", "text": "Are pre-existing conditions covered on Care Visa Protect for seniors?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only acute exacerbation of stable pre-existing conditions during the trip (§ 19 VVG disclosure). Planned treatment, chronic-illness management and dialysis remain excluded. For pre-existing conditions requiring active treatment abroad, a specialist chronic-illness policy is needed.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the maximum age for Care Visa Protect Schengen cover?", "text": "What is the maximum age for Care Visa Protect Schengen cover?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Age 74 (last day). From age 75 the standard Schengen route closes; seniors can use bespoke long-stay medical cover or family sponsorship structures. Between age 65–74 the daily premium is €2.60/day for up to 92 days per stay.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance do elderly visitors need for a short stay in Germany?", "text": "What insurance do elderly visitors need for a short stay in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For Schengen visa holders, travel health insurance with at least €30,000 coverage is mandatory. The Care Visa Protect (from €0.85/day) covers visitors up to age 74 and provides an instantly downloadable certificate for the embassy.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is there an age limit for travel insurance to Germany?", "text": "Is there an age limit for travel insurance to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Many providers cap coverage at age 65 or 70. Care Visa Protect and Care Economy both cover visitors up to 74 years, making them suitable for senior family visitors.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "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/) [Care Visa Protect — Schengen senior visit (up to 92 days) from €0.85/day (0–64) · €2.60/day (65–74) ](/en/insurance-plans/care-visa-protect/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Retirees in Germany](/en/guide-health-insurance-germany/health-insurance-retirees-germany/) 4. Short visit for seniors — required cover Schengen short visit to Germany as a senior: standard travel insurance from the home country is often refused for over-65s — the recognised tariff for ages 0–74 is Care Visa Protect (€30,000+ medical cover, repatriation, all Schengen states, EU 810/2009). # Short visit to Germany as a senior — which health-insurance cover is commonly required? Entry age 41–60: from €68/month Entry age 61–74: from €246/month 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Senior visiting Germany on a Schengen visa — €30,000 medical cover, repatriation, all Schengen states (EU 810/2009) and Care Visa Protect compared](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [Schengen senior visit: Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/) (≤ 92 days · EU 810/2009 · min. €8.50 · repatriation included) - [If the visit converts to 90+ days / D-visa wait: Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over)](/en/insurance-plans/care-economy/overview/) (with deductible · up to 2 years · § 5 AufenthG) - [If a long-term residence is granted: Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (recognised under § 5 AufenthG · up to 5 years per contract) ≥ €30,000 EU 810/2009 Repatriation included in writing All Schengen ages 0–74 The three typical decision points for a senior Schengen short visit to Germany : 1. 1 **Schengen-grade cover under EU Reg. 810/2009:** Embassies and the Bundespolizei verify a recognised travel-health policy with at least €30,000 medical cover, medically necessary repatriation included, and validity in ALL Schengen states for the entire visa period. Standard home-country travel policies are often refused for over-65s. 2. 2 **Recognised tariff for ages 0–74:** [Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/) — minimum premium €8.50, bilingual PDF certificate by email within minutes, cover well above the EU 810/2009 minimum, repatriation printed on the certificate. 3. 3 **If the visit converts to a long stay:** Care Visa Protect ends with the Schengen visa. Bridge with [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) (≤ 2 years, § 5 AufenthG); if a real residence is granted and KVdR stays closed, switch to [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/) (≤ 5 years per contract, § 5 AufenthG). Unsure which lane applies to your situation? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the 5 fields embassies check on every senior Schengen-visa insurance certificate · why standard home-country travel policies are routinely rejected for over-65s · what happens to the cover if the visit converts into a 90+ day stay Sources: EU Regulation 810/2009 (Visa Code, Annex I — €30,000 medical minimum, repatriation, all Schengen states) · § 5 AufenthG · § 68 AufenthG (Verpflichtungserklärung) · § 19 VVG · HanseMerkur Care Visa Protect AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · Auswärtiges Amt — visa requirements Senior Stay Coverage Options for visitors and long-stay seniors up to entry age 74 Visa & Residence Proof Proof for embassy, consulate or residence documents Online Application Receive confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 27, 2026** SourcesEU Regulation 810/2009 (Visa Code, Annex I) · § 5 AufenthG · § 68 AufenthG · § 19 VVG · HanseMerkur Care Visa Protect AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · DKG-Krankenhausstatistik 2024 · Auswärtiges Amt 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Schengen short visit to Germany as a senior? Care Visa Protect is the recognised tariff for ages 0–74 — €30,000+ medical cover, repatriation, all Schengen states (EU 810/2009). [Care Visa Protect (Schengen senior visit, ≤ 92 days) from €0.85/day (0–64) · €2.60/day (65–74) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy (if visit converts to 90+ days, ≤ 2 years) from €30 / 30 days (up to 2 years) ](/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 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 - Schengen short visit to Germany as a senior (≤ 90 days within any 180-day window): every embassy and the Bundespolizei verify a recognised travel-health policy with at least €30,000 medical cover, repatriation (Rücktransport) included, valid in ALL Schengen states for the entire visa validity — EU Regulation 810/2009 (Visa Code, Annex I). - Standard travel insurance from the home country is often refused: typical reasons are sums below €30,000, missing repatriation clause, exclusions for over-65s, or a certificate that does not show the Schengen-area validity in writing. The recognised tariff for the 0–74 age bracket is Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74), minimum premium €8.50, PDF certificate by email within minutes. - If the short visit later converts into a longer stay (D-visa filed in Germany, family visit beyond 90 days, embassy waiting on a residence decision), Care Visa Protect ENDS with the Schengen visa and does NOT extend into a residence permit. The recognised next lanes are Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) under § 5 AufenthG up to 2 years, then Care Expatriate from €68/month (41–60) · €246/month (61–74) under § 5 AufenthG up to 5 years per contract. Key facts at a glance Reviewed August 27, 2026 - **EU Regulation 810/2009 — €30,000 Schengen medical minimum:** The Visa Code (Annex I) requires every Schengen short-stay visa applicant to hold travel-health cover of at least €30,000 including medically necessary repatriation, valid in all Schengen states for the entire visa period. Care Visa Protect carries cover well above this minimum. (Source: Verordnung (EG) 810/2009, Anhang I · Auswärtiges Amt). - **Why home-country travel insurance is often refused for seniors:** Embassies routinely reject certificates that fall below €30,000, omit the repatriation clause, or apply over-65 exclusions. Care Visa Protect insures up to and including age 74 with a clear written admission and a bilingual PDF certificate by email within minutes. (Source: Auswärtiges Amt — visa requirements · HanseMerkur Care Visa Protect AVB). - **Cost of one uninsured day in Germany:** A standard inpatient day in Germany averages €830 (DKG 2024). Care Visa Protect from €0.85/day (up to age 64) and €2.60/day (65–74) keeps the visitor inside the German healthcare system instead of a five-figure self-pay bill. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## The 10 cover items embassies verify on a senior Schengen-visa insurance certificate **Quick answer:** "Which health-insurance cover is commonly required for a senior short visit to Germany?" — A recognised Schengen travel-health policy with at least €30,000 medical cover, medically necessary repatriation included, valid in all Schengen states for the entire visa period (EU Reg. 810/2009). The recognised tariff for ages 0–74 is Care Visa Protect from €0.85/day (up to age 64) and €2.60/day (65–74), minimum premium €8.50. - **1\. Cover item 1 — Minimum medical sum insured ≥ €30,000** EU Regulation 810/2009 (Visa Code, Annex I) requires at least €30,000 medical cover for the entire Schengen-visa validity. Care Visa Protect carries cover well above this minimum. - **2\. Cover item 2 — Repatriation (Rücktransport) included in writing** Embassies frequently reject certificates that omit medically necessary repatriation to the home country. Care Visa Protect includes repatriation by default and prints it on the bilingual PDF. - **3\. Cover item 3 — Valid in ALL Schengen states for the entire stay** The certificate must list 'all Schengen states' (or equivalent) and the validity must cover the entire requested visa period — not just the planned travel days. Care Visa Protect prints both fields automatically. - **4\. Cover item 4 — Cover for ages 0–74 without age refusal** Many home-country travel policies refuse over-65s or apply heavy surcharges. Care Visa Protect insures up to and including age 74 at €2.60/day with a clear written admission. - **5\. Cover item 5 — Bilingual certificate (German + English)** Embassies and the Bundespolizei prefer a German+English PDF; the Care Visa Protect certificate is bilingual by default and is delivered by email within minutes after payment. - **6\. Cover item 6 — Effective BEFORE travel begins** Care Visa Protect must be concluded BEFORE the journey starts; it cannot be backdated. Buy it before you book the flight or before the embassy appointment. - **7\. Cover item 7 — Pre-existing conditions excluded (§ 19 VVG)** Travel-health products including Care Visa Protect exclude pre-existing chronic conditions per AVB. Disclose at sign-up; for chronic-care needs from day 1 the visit policy is not the right product. - **8\. Cover item 8 — Limit per Schengen visa: ≤ 92 days per contract** Care Visa Protect runs for up to 92 days per contract. Schengen visitors must respect the 90-days-in-180 rule; a visit that exceeds 90 days needs a national D-visa and a different product (Care Economy). - **9\. Cover item 9 — Verpflichtungserklärung (§ 68 AufenthG) does NOT replace it** Even with the host's formal Verpflichtungserklärung the visitor still needs an own recognised travel-health policy; the § 68 declaration covers maintenance, not medical cost. Care Visa Protect is the recognised lane. - **10\. Cover item 10 — Visit converts to long stay → switch product, not extend** Care Visa Protect ends with the Schengen visa. If the visit becomes a long stay, switch to Care Economy (≤ 2 years, § 5 AufenthG) or Care Expatriate (≤ 5 years per contract, § 5 AufenthG). ## Three recognised insurance lanes for a senior visit — short visit, conversion bridge, long-term residence Lane 1 / 3 ### Schengen short visit ≤ 90 days — Care Visa Protect (primary) Care Visa Protect: from €0.85/day for ages up to 64 and €2.60/day for ages 65–74, minimum premium €8.50. Sum insured well above the €30,000 EU 810/2009 minimum, repatriation included, valid in all Schengen states for the entire visa period. PDF certificate by email within minutes; bilingual (German + English). Ends with the Schengen visa. **Need:** Care Visa Protect · ≤ 92 days · EU 810/2009 [Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74) →](/en/insurance-plans/care-visa-protect/overview/) Lane 2 / 3 ### Visit converts into 90+ days / D-visa wait — Care Economy (bridge) Care Economy: per-day pricing by age — from €1.00/day for ages up to 64 and from €2.95/day for ages 65 and over (with deductible), minimum €10 premium. Recognised under § 5 AufenthG for up to 2 years; the typical bridge once the visit converts into a long-stay decision (D-visa filed in Germany or a residence application in progress). **Need:** Care Economy · ≤ 2 years · § 5 AufenthG [Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) →](/en/insurance-plans/care-economy/overview/) Lane 3 / 3 ### Visit becomes a real residence — Care Expatriate (long-term) Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74. The recognised long-term lane once the visit ends and a real residence permit is issued (and KVdR is closed under § 5 SGB V): up to 5 years per contract, bilingual PDF certificate, accepted under § 5 AufenthG. **Need:** Care Expatriate · ≤ 5 years · § 5 AufenthG [Care Expatriate from €68/month (41–60) · €246/month (61–74) →](/en/insurance-plans/care-expatriate/overview/) ## Avoid the mistakes that can delay your application ### Senior prices can surprise you Age matters. For seniors, rates can be much higher, so show age-based pricing before the visitor applies. ### Short visit or long stay? Care Visa Protect or Care Economy may fit visits; Care Expatriate may fit selected longer family-stay cases. ### Entry age limit matters Many options have an entry-age limit. Check eligibility before preparing visa or residence documents. ### Coverage gaps create stress Choose the coverage period carefully if travel dates, family visit length or residence timing are uncertain. ## A senior visiting Germany without recognised cover — €830/day hospital risk for visitors in Germany ## 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. 👴 Age changes everything Senior pricing and eligibility matter Older parents or seniors may face higher prices and entry-age limits, so the wrong choice can create surprises before applying. - 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. ## Home-country policy refused at the embassy or below €30,000? Care Visa Protect is the recognised lane that says yes for ages 0–74 ## Why act before family visit or residence paperwork Older visitors often face age-based pricing and eligibility limits. Waiting too long can make the right option harder to choose. 👴 Age affects price Senior rates can be much higher, so check pricing before preparing documents. 📄 Entry-age limits matter Many incoming insurance options are only available up to a specific entry age. ⚡ Short visit or long stay? Care Visa Protect, Care Economy and Care Expatriate serve different stay lengths. ✅ Avoid coverage gaps Choose the coverage period carefully if family visit dates or residence timing are uncertain. ## From contract to embassy-ready certificate — 3 steps for the senior Schengen visit 10 minutes online. No medical exam, no health questions for standard tier cover. Bilingual PDF certificate (German + English) by email within minutes — accepted by every Schengen embassy and the Bundespolizei (EU 810/2009). ## 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 seniors say about Care Visa Protect for a short Schengen visit to Germany 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 tariffs for a senior Schengen visit — Care Visa Protect (primary), Care Economy (conversion bridge), Care Expatriate (long-term residence fallback) 🎯 Recognised Schengen senior visit · ≤ 92 days ### Care Visa Protect from €0.85/day (0–64) · €2.60/day (65–74) — minimum premium €8.50 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 🛟 If visit converts to 90+ days · ≤ 2 years ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 🏠 If a long-term residence is later granted · ≤ 5 years ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof Need the exact certificate fields the Ausländerbehörde re-checks? [Insurance proof — required details](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/). Wondering if the Bürgeramt re-checks insurance after entry? [Anmeldung & insurance after entry](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-after-entry-must-one-prove-again-at-registration-germany/). For the full overview see the [foreign-retirees hub](/en/guide-health-insurance-germany/health-insurance-retirees-germany/). ## Full price tables — Care Visa Protect (Schengen senior visit), Care Economy (conversion bridge), Care Expatriate (long-term residence fallback) **Quick answer:** For a Schengen short visit to Germany as a senior, the recognised tariff for ages 0–74 is Care Visa Protect: €0.85/day for ages up to 64 and €2.60/day for ages 65–74 (minimum premium €8.50), cover well above the €30,000 EU 810/2009 minimum, repatriation included, valid in all Schengen states. If the visit converts into a long stay, Care Economy bridges at €1.00/day (0–64) and €2.95/day (65–74) under § 5 AufenthG up to 2 years; for a long-term residence, Care Expatriate from €68/month (41–60) and €246/month (61–74) under § 5 AufenthG up to 5 years per contract. ### Schengen senior visit — Care Visa Protect (ages 0–74, ≤ 92 days) 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/) ### If visit converts to 90+ days — Care Economy (1 day – 2 years) Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ### Long-term residence fallback — Care Expatriate (ages 0–74, up to 5 years) Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ## FAQ — required cover for a senior short visit to Germany ## Frequently Asked Questions Which health insurance do seniors need for a short Schengen visit to Germany? A recognised Schengen travel policy with ≥ €30,000 medical cover, repatriation and all Schengen states — EU Regulation 810/2009. Care Visa Protect from €0.85/day (age up to 64) or €2.60/day (age 65–74), minimum premium €8.50, PDF issued the same day for the visa file. How much does Care Visa Protect cost for a 30-day senior visit? About €78 at age 65–74 (30 × €2.60) or €25.50 at age up to 64 (30 × €0.85). Both include the mandatory €30,000 medical minimum, repatriation and all Schengen states. Trip length up to 92 days per stay. Does the German embassy accept ADAC or Allianz Travel for senior Schengen visas? Only if the policy explicitly meets EU Reg. 810/2009 — €30,000 cover, repatriation, all Schengen states, non-cancellable during the visa period. Many domestic travel policies fail the non-cancellability test. Care Visa Protect is embassy-listed from €0.85/day and issues in the required German-language format. Are pre-existing conditions covered on Care Visa Protect for seniors? Only acute exacerbation of stable pre-existing conditions during the trip (§ 19 VVG disclosure). Planned treatment, chronic-illness management and dialysis remain excluded. For pre-existing conditions requiring active treatment abroad, a specialist chronic-illness policy is needed. What is the maximum age for Care Visa Protect Schengen cover? Age 74 (last day). From age 75 the standard Schengen route closes; seniors can use bespoke long-stay medical cover or family sponsorship structures. Between age 65–74 the daily premium is €2.60/day for up to 92 days per stay. What insurance do elderly visitors need for a short stay in Germany? For Schengen visa holders, travel health insurance with at least €30,000 coverage is mandatory. The [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) (from €0.85/day) covers visitors up to age 74 and provides an instantly downloadable certificate for the embassy. Is there an age limit for travel insurance to Germany? Many providers cap coverage at age 65 or 70. Care Visa Protect and Care Economy both cover visitors up to 74 years, making them suitable for senior family visitors. [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: August 27, 2026.