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    Health Insurance for Foreigners in Germany
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    Care Visa Protect — Schengen senior visit (up to 92 days)from €0.85/day (0–64) · €2.60/day (65–74)
    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/monthEntry age 61–74: from €246/month
    4.9/5 · Over 10,000 policies since 2009
    Senior visiting Germany on a Schengen visa — €30,000 medical cover, repatriation, all Schengen states (EU 810/2009) and Care Visa Protect compared
    ≥ €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. 1Schengen-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. 2Recognised tariff for ages 0–74: Care Visa Protect from €0.85/day (0–64) · €2.60/day (65–74) — 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. 3If 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) (≤ 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) (≤ 5 years per contract, § 5 AufenthG).

    Unsure which lane applies to your situation? 30-second tariff finder →

    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

    4.9/5

    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).

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing
    4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued

    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 (0–64) 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 0–64 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 (0–64) · €2.60/day (65–74) →
    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 0–64 and from €2.95/day for ages 65–74 (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 (0–64) · €2.95/day (65–74) →
    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) →

    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. Pick the right plan

      Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.

    2. Apply online

      Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.

    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 · Since 2009 · Over 10,000 policies issued
    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

    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

    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

    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

    Yunhee

    Australia

    Now choose your plan

    4.9/5 · Since 2009 · Over 10,000 policies issued

    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 0–64 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.

    If visit converts to 90+ days — Care Economy (1 day – 2 years)

    Care Economy
    Duration
    Bestsellerup to 64
    up to 64
    Bestseller65+
    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.

    Long-term residence fallback — Care Expatriate (ages 0–74, up to 5 years)

    Care Expatriateworldwide without USA, Canada and Mexico
    Basic
    BestsellerComfort
    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.

    FAQ — required cover for a senior short visit to Germany

    Frequently Asked Questions

    Is travel insurance from my home country normally accepted for a Schengen visit to Germany as a senior?

    Often not. Embassies regularly reject certificates that fall below the €30,000 medical minimum (EU Reg. 810/2009), do not include medically necessary repatriation, are not valid in ALL Schengen states for the entire visa period, or apply over-65 exclusions. The recognised tariff for the 0–74 age bracket is <a href="/en/insurance-plans/care-visa-protect/overview/" class="text-primary underline underline-offset-2">Care Visa Protect from €0.85/day (0–64) · €2.60/day (65–74)</a>, minimum €8.50 premium, bilingual PDF within minutes.

    What exactly does the German embassy check on the insurance certificate for a senior short visit?

    Five fields: (1) sum insured ≥ €30,000, (2) repatriation included in writing, (3) territorial validity = all Schengen states, (4) date validity covering the entire requested visa period, and (5) the insured person's name + date of birth matching the passport. Care Visa Protect prints all five on the bilingual PDF certificate by default.

    What if the visit converts into more than 90 days or into a residence application?

    Care Visa Protect ends with the Schengen visa and cannot be extended into a residence permit. The recognised next lane is Care Economy from €1.00/day (0–64) · €2.95/day (65–74) under § 5 AufenthG up to 2 years; once a long-term residence permit is granted and KVdR remains closed (§ 5 SGB V 9/10 rule), switch to <a href="/en/insurance-plans/care-expatriate/overview/" class="text-primary underline underline-offset-2">Care Expatriate from €68/month (41–60) · €246/month (61–74)</a> for up to 5 years per contract.