Blocked Account and Study Start in Germany
- Visa phase: BASTI €4.90/month + €65 setup (€11,904 deposit · embassy-PDF in 24 h · Smart adds Care Visa Protect)
- Imma day < 30: DAK Studenten ~€135.52/month (M10 to the university · free Familienversicherung · no Befreiung needed)
- Imma day 30+ / befreit: Care Student €101.54/month (HanseMerkur · GKV-equivalent § 257 SGB V · M10 accepted)
Three time windows from visa to Immatrikulation — three different recognised tariffs:
- 1Embassy + entry phase: BASTI bundle from €4.90/month (12 months) — 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.
- 2Language course / Studienkolleg before Immatrikulation: Care College from €27.50/month (up to 5 years) — 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.
- 3Day 1 of Immatrikulation — M10 to the university: DAK Studenten from €135.52/month (open-ended) for under-30s, or Care Student from €101.54/month (up to 5 years) 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 →
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
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.
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.
-
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.
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Complete the application
Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows.
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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
“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
Cameroon
“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
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“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
Australia
Now choose your plan
The 2 products that cover the visa-to-Immatrikulation path in Germany
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
→ Complete the application, open and fund your blocked account, prepare your visa proof
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
→ 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) is the recognised M10 alternative. Pre-Imma language / Studienkolleg? Care College from €27.50/month (up to 5 years). Compare all 11 tariffs in the foreign-students hub.
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
|
BestsellerBASTI 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.
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:
| Versicherte Leistungen |
DAK-Gesundheit
|
BestsellerDAK + Garantietarif 120
|
DAK + Fit & Travel
|
|---|---|---|---|
| bis 23 Jahre | 145,52 € / Monat | 145,52 €135,52 € / Monat | 145,52 € / Monat |
| bis 29 Jahre, kinderlos | 150,65 € / Monat | 150,65 €140,65 € / Monat | 150,65 € / Monat |
| bis 29 Jahre, mit 1 Kind | 145,52 € / Monat | 145,52 €135,52 € / Monat | 145,52 € / Monat |
| Bonus / Zusatznutzen | — | spart 120 €/Jahr | kostenlos für unter 39 |
Beitrag inkl. Pflegeversicherung (kinderlos ab 23 J.). Garantietarif 120: 120 € Beitragsrückerstattung pro Jahr bei Leistungsfreiheit. Fit & Travel: gratis für Versicherte unter 39 Jahre. Eintrittsalter bis 29 Jahre, Laufzeit Studiendauer (max. 14 Fachsemester / 30. Lebensjahr). Stand 2026.
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.
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
|
BestsellerComfort
|
Premium
|
|---|---|---|---|
|
Deductible / yr
120,–
|
Deductible / yr
0,–
|
Deductible / yr
0,–
|
|
| Months 1–24 monthup to 29 yrs (€ / month) | 27,50 | 34,– | 48,– |
| Months 1–24 monthfrom 30 yrs (€ / month) | 33,50 | 50,– | 75,– |
| From 25th monthup to 29 yrs (€ / month) | 49,50 | 57,– | 73,– |
| From 25th monthfrom 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.
FAQ — Blocked account, study start and Immatrikulation in Germany
Frequently Asked Questions
Blocked account and health insurance — must they be combined for the German student visa?
Both proofs are mandatory for the student visa under § 5 AufenthG (insurance) and § 2 AufenthV (subsistence — €11,904 in 2025/2026). They do NOT have to come from the same provider, but combining them via the <a href="/en/insurance-plans/blocked-account/overview/" class="text-primary underline underline-offset-2">BASTI bundle (€4.90/month + €65 setup)</a> issues both PDFs in the same 24-hour email, the embassy accepts a single submission file, and the price is roughly €600 lower than booking the blocked account and stand-alone travel insurance separately. BASTI Smart adds <a href="/en/insurance-plans/care-visa-protect/overview/" class="text-primary underline underline-offset-2">Care Visa Protect from €0.85/day</a> for the entry phase plus accident & liability cover.
Which insurance does my German university actually accept for the Immatrikulation?
Every German university requires an M10 electronic notification from a recognised carrier — either the GKV (e.g. <a href="/en/insurance-plans/dak-gesundheit/overview/" class="text-primary underline underline-offset-2">DAK Studenten ~€135.52/month</a> for students under 30) or a GKV-equivalent private carrier under § 257 SGB V (<a href="/en/insurance-plans/care-student/overview/" class="text-primary underline underline-offset-2">Care Student €101.54/month</a> for students aged 30+, doctoral candidates without contract, or those who filed the Befreiung in the first 3 months). A travel policy or stand-alone Care Visa Protect is NOT accepted for the Immatrikulation — it covers only the entry phase before enrolment.
I will have a language course or Studienkolleg before formal Immatrikulation — what insurance bridges the gap?
Before formal Immatrikulation at a German university the GKV student tariff is unavailable. The standard recognised cover is <a href="/en/insurance-plans/care-college/overview/" class="text-primary underline underline-offset-2">Care College from €27.50/month</a> (HanseMerkur Incoming-Versicherung, 1–60 months, ages 12–40, three tiers Basic / Comfort / Premium, accepted by every German Ausländerbehörde for § 16b AufenthG residence permits). On day 1 of formal Immatrikulation the policy is replaced by DAK Studenten ~€135.52/month (under 30) or Care Student €101.54/month (30+ / befreit) — the M10 from the new carrier reaches the university automatically.