--- title: "From €4.90/mo · Blocked Account in Germany Study Start 2026" description: "Blocked Account Study Start Health Insurance Enrollment: practical guidance for foreigners in Germany." 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": 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Enrollment: practical guidance for foreigners in Germany.", "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": "2026-09-07", "dateModified": "2026-09-02", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/" }, "image": 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"@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 Students in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/" }, { "@type": "ListItem", "position": 4, "name": "Blocked Account & Study Start (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Ready for university enrollment in 3 steps", "description": "DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your student plan", "text": "DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university." } ], "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": "Do I need a blocked account and health insurance on the same day for German enrolment?", "acceptedAnswer": { "@type": "Answer", "text": "Universities require both proofs at Immatrikulation: a blocked account with €11,904 (2026 rate, 12 × €992 BAföG minimum) and health insurance — DAK-Studenten ~€135.52/month (M10 automatic) or Care Student €101.54/month (GKV-equivalent) for over 30." } }, { "@type": "Question", "name": "What health insurance do I need with a blocked account for study start in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Under 30: DAK-Studenten (~€135.52/month) — M10 electronic notification sent to the university within minutes. Over 30 or GKV-exempt: Care Student (€101.54/month, GKV-equivalent under § 8 SGB V). Both accepted by the Ausländerbehörde for the § 16b AufenthG student permit." } }, { "@type": "Question", "name": "How much money does the German blocked account need for the student visa in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "€11,904 (12 × €992 BAföG monthly minimum). Combined with health insurance proof — Care Visa Protect (from €0.85/day) for the visa file, then DAK-Studenten or Care Student from day 1 of enrolment — the embassy issues the § 16b student visa." } }, { "@type": "Question", "name": "Can I open the blocked account before I have health insurance for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — the blocked account (BASTI or Fintiba) and health insurance are two separate proofs." } }, { "@type": "Question", "name": "Does BASTI include health insurance in the blocked account package?", "acceptedAnswer": { "@type": "Answer", "text": "BASTI Basic (€4.90/month) is account-only. BASTI Smart adds Care Visa Protect + DAK Garantietarif (−€120/year) + accident & liability. BASTI Premium adds DAK Fit&Travel (free under 39). Setup fee €65 for all tiers." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need a blocked account and health insurance on the same day for German enrolment?", "text": "Do I need a blocked account and health insurance on the same day for German enrolment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Universities require both proofs at Immatrikulation: a blocked account with €11,904 (2026 rate, 12 × €992 BAföG minimum) and health insurance — DAK-Studenten ~€135.52/month (M10 automatic) or Care Student €101.54/month (GKV-equivalent) for over 30.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do I need with a blocked account for study start in Germany?", "text": "What health insurance do I need with a blocked account for study start in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Under 30: DAK-Studenten (~€135.52/month) — M10 electronic notification sent to the university within minutes. Over 30 or GKV-exempt: Care Student (€101.54/month, GKV-equivalent under § 8 SGB V). Both accepted by the Ausländerbehörde for the § 16b AufenthG student permit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much money does the German blocked account need for the student visa in 2026?", "text": "How much money does the German blocked account need for the student visa in 2026?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "€11,904 (12 × €992 BAföG monthly minimum). Combined with health insurance proof — Care Visa Protect (from €0.85/day) for the visa file, then DAK-Studenten or Care Student from day 1 of enrolment — the embassy issues the § 16b student visa.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I open the blocked account before I have health insurance for Germany?", "text": "Can I open the blocked account before I have health insurance for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — the blocked account (BASTI or Fintiba) and health insurance are two separate proofs.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does BASTI include health insurance in the blocked account package?", "text": "Does BASTI include health insurance in the blocked account package?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "BASTI Basic (€4.90/month) is account-only. BASTI Smart adds Care Visa Protect + DAK Garantietarif (−€120/year) + accident & liability. BASTI Premium adds DAK Fit&Travel (free under 39). Setup fee €65 for all tiers.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-02", "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/) [🏦 BASTI bundle — Blocked Account €11,904 + Care Visa Protect from €4.90/month (12 months) ](/en/insurance-plans/blocked-account/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Students in Germany](/en/guide-health-insurance-germany/health-insurance-students-germany/) 4. Blocked Account & Study Start (Germany) Embassy + Ausländerbehörde demand TWO proofs in one file: blocked account €11,904 AND § 5 AufenthG insurance — booking them separately costs ~€600 more # Blocked Account and Study Start in Germany 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Blocked account and study start in Germany — health insurance for Immatrikulation, foreign students](/assets/schloss-neuschwanstein-rentner-deutschland-BUe6CLV2.jpg) - [Visa phase: BASTI €4.90/month + €65 setup](/en/insurance-plans/blocked-account/overview/) (€11,904 deposit · embassy-PDF in 24 h · Smart adds Care Visa Protect) - [Imma day < 30: DAK Studenten ~€135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (M10 to the university · free Familienversicherung · no Befreiung needed) - [Imma day 30+ / befreit: Care Student €101.54/month](/en/insurance-plans/care-student/overview/) (HanseMerkur · GKV-equivalent § 257 SGB V · M10 accepted) Visa phase BASTI €4.90/mo Imma < 30 DAK ~€135.52/mo Imma 30+ Care Student €101.54/mo Three time windows from visa to Immatrikulation — three different recognised tariffs: 1. 1 **Embassy + entry phase:** [BASTI bundle from €4.90/month (12 months)](/en/insurance-plans/blocked-account/overview/) — blocked account €11,904 (12 × €992 BMI 2025 Regelbedarf, § 2 AufenthV) PLUS Care Visa Protect from €0.85/day; both PDFs in one 24-hour email; embassy accepts a single submission file. 2. 2 **Language course / Studienkolleg before Immatrikulation:** [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/) — HanseMerkur Incoming-Versicherung, 1–60 months, ages 12–40, accepted by every Ausländerbehörde for § 16b AufenthG; replaced by DAK or Care Student on day 1 of formal Immatrikulation. 3. 3 **Day 1 of Immatrikulation — M10 to the university:** [DAK Studenten from €135.52/month (open-ended)](/en/insurance-plans/dak-gesundheit/overview/) for under-30s, or [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) for 30+, doctoral, or GKV-befreit students. Without an M10 the university refuses the Immatrikulationsbescheinigung — and the residence permit may be capped on the insurance end date. Embassy appointment in the next 14 days? [30-second BASTI + insurance finder →](/en/tariffinder-germany/) Inside: why the BASTI bundle is the most cost-efficient single-purchase route · the M10 trap that delays Immatrikulation by 4–6 weeks · when the Ausländerbehörde caps the residence permit on the insurance end date Sources: § 5 AufenthG (insurance) · § 16b AufenthG (study) · § 2 AufenthV / BMI 2025 Regelbedarf €992 (subsistence) · § 5 / § 8 / § 257 SGB V (GKV access, Befreiung, equivalence) · HanseMerkur Care Visa Protect / Care College / Care Student AVB · DAK-Gesundheit tariff sheet 2026 Student Coverage DAK-Gesundheit or HanseMerkur student options Enrollment Proof M10 notification for eligible university enrollment flows Visa & University Documents Receive confirmation for visa or enrollment steps where applicable ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 2, 2026** Sources§ 5 / § 16b AufenthG · § 2 AufenthV · § 5 / § 8 / § 257 SGB V · HanseMerkur AVB 2026 · DAK-Gesundheit 2026 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Embassy appointment booked? Take out BASTI so the blocked-account confirmation AND the Care Visa Protect embassy-PDF reach your inbox in 24 hours — same file, one submission. [BASTI — Blocked account €11,904 + Care Visa Protect from €4.90/month (12 months) ](/en/insurance-plans/blocked-account/overview/)[Care College — language / Studienkolleg before Immatrikulation from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/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 - Two proofs in one file: a blocked account of €11,904 (12 × €992 BMI 2025 Regelbedarf for students, § 2 AufenthV) AND a § 5 AufenthG-compliant health insurance — both required by the German embassy and the Ausländerbehörde to release a student visa or Chancenkarte. The BASTI bundle (€4.90/month + €65 one-time setup) issues the blocked-account confirmation and the embassy-PDF for Care Visa Protect (from €0.85/day, up to 92 days) in the same email — typically within 24 hours. - Three time windows after visa approval — and three different recognised tariffs: (1) embassy + entry phase → Care Visa Protect (€0.85/day, BASTI Smart includes it); (2) language course / Studienkolleg before formal Immatrikulation → Care College from €27.50/month (HanseMerkur Incoming-Versicherung, recognised for § 16b AufenthG); (3) day 1 of Immatrikulation → switch to DAK Studenten ~€135.52/month (under 30) or Care Student €101.54/month (30+ / GKV-befreit / PhD without contract). The university issues the Immatrikulationsbescheinigung only against an M10 from a recognised carrier. - Two cost mistakes that cost foreign students €600–€2,000: (a) opening the blocked account WITHOUT the bundled insurance and then paying €600–€900 for a stand-alone embassy travel insurance, plus the €1.50/day Care Economy gap until enrolment; (b) staying on a visa-phase travel policy after enrolment instead of switching to DAK or Care Student — the university will refuse the Immatrikulationsbescheinigung without an M10, and the residence permit may be capped on the insurance end date. Key facts at a glance Reviewed September 2, 2026 - **Blocked account €11,904 = 12 × €992 BMI 2025 Regelbedarf student bracket:** The German embassy and Ausländerbehörde apply § 2 AufenthV with the BMI 2025 Regelbedarf rate of €992/month for students. The deposit is paid into a German blocked account before the visa interview and the confirmation must be submitted with the visa file. (Source: § 2 AufenthV · BMI Regelbedarf 2025). - **M10 electronic notification is the only insurance proof every German university accepts:** Without an M10 from a recognised GKV carrier (e.g. DAK) or a GKV-equivalent private carrier under § 257 SGB V (e.g. Care Student), the Immatrikulationsbescheinigung is not issued. A travel insurance or stand-alone Care Visa Protect is NOT accepted for enrolment — only for the entry phase. (Source: § 257 SGB V). - **Care College from €27.50/month bridges the language / Studienkolleg phase under § 16b AufenthG:** Before formal Immatrikulation the GKV student tariff is unavailable. Care College (HanseMerkur Incoming-Versicherung, 1–60 months, ages 12–40, three tiers Basic / Comfort / Premium) is accepted by every Ausländerbehörde for § 16b AufenthG residence permits and is replaced by DAK or Care Student on day 1 of enrolment. (Source: HanseMerkur Care College AVB 2026). - **Average uninsured emergency-room visit in Germany: ~€830 per day:** Statistisches Bundesamt DRG data shows an average inpatient day rate of around €830 (basic ward). Without recognised cover the foreign student pays this in cash before discharge — a €0.85/day Care Visa Protect premium prevents this risk completely during the entry phase. (Source: Statistisches Bundesamt DRG 2024). ## Five typical mistakes between blocked account, embassy and Immatrikulation **Quick answer:** "Blocked account, visa, language course, Immatrikulation — which insurance do I need when?" — most foreign students run into one of five issues: opening the blocked account without the bundled insurance and paying €600 extra for stand-alone embassy cover; staying on a visa-phase travel policy after enrolment; missing the M10 to the university; using Care College instead of DAK / Care Student after Immatrikulation; or letting the insurance end date cap the residence permit. ## Avoid the mistakes that can delay your application ### Enrollment can stall without M10 DAK Student and Care Student support electronic M10 notification for eligible university enrollment flows. ### Under 30 or over 30? DAK Student fits many students up to age 29; Care Student can fit private student coverage up to age 39. ### Private or statutory confusion Choosing the wrong route can create extra steps. Check statutory, private and exemption rules before applying. ### Language school is different Care College is better for language school, Studienkolleg, DSH and educational stays — not M10 university enrollment. ## What the wrong insurance set-up around the blocked account can cost you ## 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. 🎓 1 missed M10 Enrollment can get stuck For university enrollment, the wrong insurance route can delay the electronic M10 notification to your university. - 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. ## Embassy appointment in the next 14 days? Both proofs must be in the same file — start with the BASTI bundle ## Why act before university enrollment University enrollment can depend on the right insurance route. Waiting too long can delay M10 notification or create extra steps. 🎓 M10 timing matters DAK Student and Care Student can support M10 university enrollment flows where applicable. 📄 Wrong route creates delays Language school, Studienkolleg and DSH usually need Care College, not the university M10 route. ⚡ Apply before enrollment pressure Prepare insurance proof before the university or visa office asks for it urgently. ✅ Under 30 or over 30? DAK Student and Care Student serve different student situations. Check age and eligibility before applying. ## From BASTI to M10 at the university — in 3 steps 10 minutes online for BASTI, embassy-PDF and blocked-account confirmation in 24 hours, M10 to the university on day 1 of Immatrikulation. Care College bridges any language / Studienkolleg phase between visa entry and formal enrolment. ## Ready for university enrollment in 3 steps DAK Student or Care Student for university enrollment, M10 notification and proof of coverage. 1. 1 🎯 Choose your student plan DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College. 2. 2 📝 Complete the application Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows. 3. 3 ✅ Receive your proof Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university. ## What students say about the BASTI bundle for the German embassy and Immatrikulation 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/) ## The 2 products that cover the visa-to-Immatrikulation path in Germany 🏦 Visa phase: BASTI bundle ### BASTI Blocked Account from only €4.90 / month + €65 one-time fee (buffer amount: €100) For visas, university studies, language school, Studienkolleg, vocational training & the German Opportunity Card - Accepted by German authorities; usable for visa documents - Blocked account + bank account + German IBAN in one application - Debit card included – practical after arrival in Germany - Low fees: €4.90/month + €65 one-time fee - Online registration possible from abroad - Monthly blocked amount adjustable based on embassy requirements - 3 packages available: Basic, Smart & Premium - Smart/Premium: incoming health insurance included - Smart/Premium: accident & liability insurance included - Suitable for students, language students, Studienkolleg, vocational training & job search Why BASTI Blocked Account? For anyone who needs an accepted blocked account for a German visa or residence permit — with a bank account, German IBAN and matching insurance options in one application. Why Smart or Premium? More security before entering Germany: health insurance, bank account and blocked account are combined, so you need fewer separate applications and can better prepare important documents. - 🏛️ Powered by VietinBank · BASTI / Care Concept - 📄 Suitable for visas, embassies & immigration authorities - 💳 Blocked account + bank account + German IBAN + debit card - 🏷️ From €4.90 / month · €65 one-time fee · €100 buffer [BASTI Blocked Account – Quick Overview](/en/insurance-plans/blocked-account/overview/) [Apply online now](/en/insurance-plans/blocked-account/apply/) → Complete the application, open and fund your blocked account, prepare your visa proof 🎓 Day 1 Imma (under 30) ### DAK-Gesundheit Students from €145.52 / month (effectively from €135.52 with DAK Garantietarif 120 possible) For international students in Germany up to age 29 - Accepted for university enrollment – electronic M10 notification - Visa confirmation directly after application - Statutory health insurance + mandatory long-term care insurance included - Doctor, dentist, hospital, pharmacy & prescription medication coverage - Health insurance card for medical treatment in Germany - Apply online from your home country – no German address required - Save €120 per year with DAK Garantietarif 120 possible - Alternative: DAK Fit & Travel with additional benefits - 2026 contributions: from €145.52 · effectively from €135.52 possible - Reputable statutory health insurance provider Why DAK-Gesundheit? For international students in Germany who need statutory health insurance for a visa, university and enrollment — including M10 notification and a health insurance card. Why statutory student health insurance? More security for your studies and enrollment: full statutory health coverage, electronic notification to the university and clear acceptance for enrollment. - 🏛️ DAK-Gesundheit - 📄 M10 notification + visa confirmation after application - 🔒 Doctor, dentist, clinic, pharmacy & prescription medication - 🏷️ From €145.52 / month · effectively from €135.52 possible [DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit/apply/) → Complete the application, receive visa confirmation, secure your M10 notification 30+, doctoral or GKV-befreit? [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) is the recognised M10 alternative. Pre-Imma language / Studienkolleg? [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/). Compare all 11 tariffs in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — BASTI · DAK · Care Student · Care College **Quick answer:** Four recognised products cover the full visa-to-Immatrikulation path: BASTI bundle €4.90/month + €65 setup (visa phase, includes Care Visa Protect from €0.85/day), DAK Studenten ~€135.52/month (default GKV under 30), Care Student €101.54/month (private GKV-equivalent for 30+ / befreit), and Care College from €27.50/month (language / Studienkolleg phase before Immatrikulation). ### Visa phase — BASTI bundle (Blocked account + Care Visa Protect) Three tiers (Basic / Smart / Premium), €11,904 deposit, embassy-PDF in 24 hours, recognised by every German consulate: Fees & premiums BASTI Basic Bestseller BASTI Smart BASTI Premium Monthly fee €4.90 €4.90 €4.90 One-time processing fee €65.00 €65.00 €65.00 Buffer amount €100.00 €100.00 €100.00 Incoming health insurance FREE FREE Statutory health insurance (DAK) €145.52 €135.52 €145.52 Accident & liability insurance €7.50 €7.50 Required blocked amount: €11,904 = 12 × €992 monthly blocked amount, plus a €100 buffer (BAföG rate, as of 2026) — this is a deposit, not a fee. One-time processing fee €65 (€50 account opening + €5 balance confirmation + €10 account management). Smart saves about €153 on incoming insurance. As of 2026. [BASTI — Overview](/en/insurance-plans/blocked-account/overview/) [Apply now](/en/insurance-plans/blocked-account/overview/) ### GKV default on Imma day — DAK Studenten GKV student tariff under § 5 Abs. 1 Nr. 9 SGB V, M10 to the university, free Familienversicherung, age cap 30: Insured benefits DAK-Gesundheit Bestseller DAK + Garantietarif 120 DAK + Fit & Travel up to age 23 €145.52 / month €145.52 €135.52 / month €145.52 / month up to age 29, childless €150.65 / month €150.65 €140.65 / month €150.65 / month up to age 29, with 1 child €145.52 / month €145.52 €135.52 / month €145.52 / month Bonus / extra benefit — saves €120/year free for under 39 Contribution incl. long-term care insurance (childless from age 23). Garantietarif 120: €120 contribution refund per year if no claims are filed. Fit & Travel: free for insured persons under 39. Entry age up to 29, term for the duration of studies (max. 14 specialist semesters / age 30). As of 2026. [DAK Students — Overview](/en/insurance-plans/dak-gesundheit/overview/) [Apply now](/en/insurance-plans/dak-gesundheit/overview/) ### Private with M10 (30+ / befreit) — Care Student HanseMerkur, GKV-equivalent under § 257 SGB V, M10 accepted by every German university, €300/year excess, valid up to 60 months: Care Student Health insurance for students Compulsory long-term care for students Total 12–29 years 69,62 € / month 31,92 € / month 101,54 € / month 30–39 years 95,68 € / month 31,92 € / month 127,60 € / month All prices per month/person in euros. Health insurance deductible: €300 per calendar year. Entry age 12–39, term up to 60 months. Premium guarantee for the full term. As of 2026. [Care Student — Overview](/en/insurance-plans/care-student/overview/) [Apply now](/en/insurance-plans/care-student/overview/) ### Pre-Immatrikulation (language / Studienkolleg) — Care College Three tiers (Basic / Comfort / Premium), 1–60 months, ages 12–40 (entry), recognised by every Ausländerbehörde for § 16b AufenthG: Care College Basic Bestseller Comfort Premium Deductible / yr 120,– Deductible / yr 0,– Deductible / yr 0,– Months 1–24 month up to 29 yrs (€ / month) 27,50 34,– 48,– Months 1–24 month from 30 yrs (€ / month) 33,50 50,– 75,– From 25th month up to 29 yrs (€ / month) 49,50 57,– 73,– From 25th month from 30 yrs (€ / month) 55,– 73,– 99,– All prices per month/person in euros. Deductible applies per insurance year. Maximum entry age 40. As of 2026. [Care College — Overview](/en/insurance-plans/care-college/overview/) [Apply now](/en/insurance-plans/care-college/overview/) ## FAQ — Blocked account, study start and Immatrikulation in Germany ## Frequently Asked Questions Do I need a blocked account and health insurance on the same day for German enrolment? Universities require both proofs at Immatrikulation: a blocked account with €11,904 (2026 rate, 12 × €992 BAföG minimum) and health insurance — DAK-Studenten ~€135.52/month (M10 automatic) or Care Student €101.54/month (GKV-equivalent) for over 30. What health insurance do I need with a blocked account for study start in Germany? Under 30: DAK-Studenten (~€135.52/month) — M10 electronic notification sent to the university within minutes. Over 30 or GKV-exempt: Care Student (€101.54/month, GKV-equivalent under § 8 SGB V). Both accepted by the Ausländerbehörde for the § 16b AufenthG student permit. How much money does the German blocked account need for the student visa in 2026? €11,904 (12 × €992 BAföG monthly minimum). Combined with health insurance proof — Care Visa Protect (from €0.85/day) for the visa file, then DAK-Studenten or Care Student from day 1 of enrolment — the embassy issues the § 16b student visa. Can I open the blocked account before I have health insurance for Germany? Yes — the blocked account (BASTI or Fintiba) and health insurance are two separate proofs. Does BASTI include health insurance in the blocked account package? BASTI Basic (€4.90/month) is account-only. BASTI Smart adds Care Visa Protect + DAK Garantietarif (−€120/year) + accident & liability. BASTI Premium adds DAK Fit&Travel (free under 39). Setup fee €65 for all tiers. [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 2, 2026.