--- title: "From €0.85/day · Blocked Account · Study Visa Germany 2026" description: "Blocked Account Visa Studies Health Insurance Before Entry Proof: 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": "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": "Blocked Account, Visa and Studies: Proving Health Insurance Before Entry to Germany", "description": "Blocked Account Visa Studies Health Insurance Before Entry Proof: 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": "2026-08-31", "dateModified": "2026-09-09", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-visa-study-health-insurance-before-entry-proof-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Schengen Area", "url": "https://en.wikipedia.org/wiki/Schengen_Area" }, { "@type": "Thing", "name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "HowTo", "name": "How to combine a blocked account and health insurance for a German study visa", "description": "Step-by-step process to prepare the two independent proofs a German embassy requires before entry: blocked account (Sperrkonto) and recognised health insurance.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Open a blocked account", "text": "Open a Sperrkonto with a licensed provider (e.g. BASTI from €4.90/month + €65 setup) and deposit €11,904 to cover 12 months." }, { "@type": "HowToStep", "position": 2, "name": "Buy visa-recognised health insurance", "text": "Purchase Care College (from €27.50/month) for the D-visa + course phase, or Care Visa Protect (from €0.85/day) for the Schengen entry window." }, { "@type": "HowToStep", "position": 3, "name": "Download both certificates", "text": "Download the blocked-account confirmation and the English/German insurance certificate as PDFs for the embassy file." }, { "@type": "HowToStep", "position": 4, "name": "Book the embassy appointment", "text": "Book the D-visa appointment and upload both proofs to the embassy portal before your slot." }, { "@type": "HowToStep", "position": 5, "name": "Switch to student insurance after Immatrikulation", "text": "After matriculation, switch to DAK statutory (~€135.52/month, under 30) or Care Student (€101.54/month, exemption/PhD)." } ], "totalTime": "PT2H", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[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 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, Visa & Studies (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-visa-study-health-insurance-before-entry-proof-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": "How long does it take to open a blocked account for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Typically 1–4 weeks, depending on the provider and your country. Video-Ident is usually faster than Post-Ident. Start at least 4 weeks before your embassy appointment. The health insurance certificate (e.g., Care College) can be obtained within minutes online." } }, { "@type": "Question", "name": "Do I need both a blocked account and health insurance for a German student visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — german embassies typically require both: a blocked account (Sperrkonto, currently €11,904 for 12 months) as proof of financial means AND a separate health insurance certificate. Care College (from €27.50/month, up to 60 months) provides instant proof of coverage for the visa application." } }, { "@type": "Question", "name": "Can I use Care College insurance for the visa and then switch to public insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — once enrolled at a German university, students under 30 can switch to statutory health insurance (GKV) like DAK-Gesundheit (~€135/month). Care College covers the visa application and study preparation phase (language course, Studienkolleg). Plan the transition in advance to avoid coverage gaps." } }, { "@type": "Question", "name": "Do I need insurance BEFORE entering Germany or is upon arrival enough?", "acceptedAnswer": { "@type": "Answer", "text": "Under § 5 AufenthG the German embassy requires proof of valid health insurance from the day of intended entry — not from arrival at Frankfurt airport. Before entering. Care Visa Protect (from €0.85/day) or Care Student (€101.54/month, ages ≥30) start on any date you specify." } }, { "@type": "Question", "name": "Can DAK-Gesundheit be arranged from abroad before I enter Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Bridge the gap with Care Visa Protect (€0.85/day) or Care Student — most students bridge 2–6 weeks between arrival and matriculation this way. Yes but with a caveat: DAK can pre-register you, but the actual GKV coverage starts only from the day you register at the Ausländerbehörde or start your enrolment (§ 5 SGB V)." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long does it take to open a blocked account for Germany?", "text": "How long does it take to open a blocked account for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Typically 1–4 weeks, depending on the provider and your country. Video-Ident is usually faster than Post-Ident. Start at least 4 weeks before your embassy appointment. The health insurance certificate (e.g., Care College) can be obtained within minutes online.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-visa-study-health-insurance-before-entry-proof-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need both a blocked account and health insurance for a German student visa?", "text": "Do I need both a blocked account and health insurance for a German student visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — german embassies typically require both: a blocked account (Sperrkonto, currently €11,904 for 12 months) as proof of financial means AND a separate health insurance certificate. Care College (from €27.50/month, up to 60 months) provides instant proof of coverage for the visa application.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-visa-study-health-insurance-before-entry-proof-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use Care College insurance for the visa and then switch to public insurance?", "text": "Can I use Care College insurance for the visa and then switch to public insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — once enrolled at a German university, students under 30 can switch to statutory health insurance (GKV) like DAK-Gesundheit (~€135/month). Care College covers the visa application and study preparation phase (language course, Studienkolleg). Plan the transition in advance to avoid coverage gaps.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-visa-study-health-insurance-before-entry-proof-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need insurance BEFORE entering Germany or is upon arrival enough?", "text": "Do I need insurance BEFORE entering Germany or is upon arrival enough?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Under § 5 AufenthG the German embassy requires proof of valid health insurance from the day of intended entry — not from arrival at Frankfurt airport. Before entering. Care Visa Protect (from €0.85/day) or Care Student (€101.54/month, ages ≥30) start on any date you specify.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-visa-study-health-insurance-before-entry-proof-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can DAK-Gesundheit be arranged from abroad before I enter Germany?", "text": "Can DAK-Gesundheit be arranged from abroad before I enter Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Bridge the gap with Care Visa Protect (€0.85/day) or Care Student — most students bridge 2–6 weeks between arrival and matriculation this way. Yes but with a caveat: DAK can pre-register you, but the actual GKV coverage starts only from the day you register at the Ausländerbehörde or start your enrolment (§ 5 SGB V).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-visa-study-health-insurance-before-entry-proof-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "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 College — D-visa + course from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/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, Visa & Studies (Germany) Sperrkonto alone does not get you the D-visa # Blocked Account, Visa and Studies: Proving Health Insurance Before Entry to Germany 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![German student D-visa with blocked account and health-insurance certificate — embassy proof package](/assets/studentenvisum-deutschland-d-visum-BXZm6Dh8.png) - [BASTI blocked account: from €4.90/month](/en/insurance-plans/blocked-account/overview/) (€11,904 deposit · vs. visa rejection if missing) - [Care College: from €27.50/month](/en/insurance-plans/care-college/overview/) (D-visa + language course / Studienkolleg, 1–60 mo · vs. €4,000+ uninsured ER stay) - [Care Visa Protect: from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) (Schengen €30k cover, certificate by email in minutes · vs. ~€830/day average ER bill) Proof A: Money €11,904 · 12 mo Proof B: Insurance €27.50/mo · PDF Phase 3: Uni DAK €135/mo · M10 Sources: § 2 AufenthV (financial means) · § 16b AufenthG (study preparation) · § 5 AufenthG (€30,000 minimum cover) · § 199a SGB V (M10) · EU Regulation 810/2009 (Schengen) · BASTI Sperrkonto T&Cs · HanseMerkur Care College / Care Visa Protect AVB For the German student D-visa the embassy checks two separate proofs — and one is not part of the other: 1. A **Financial means (Sperrkonto):** [BASTI blocked account from €4.90/month (12 months)](/en/insurance-plans/blocked-account/overview/) — €11,904 deposit for 12 months (§ 2 AufenthV), Video-Ident in 1–4 weeks. 2. B **Health-insurance certificate (separate!):** [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/) for the D-visa + course phase, or [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) for short Schengen visa (€30k cover, EU Reg. 810/2009). 3. 3 **After Immatrikulation:** [DAK-Gesundheit from €135.52/month (open-ended)](/en/insurance-plans/dak-gesundheit/overview/) (under 30, M10 automatic) or [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) (30+ / PhD / GKV-exempt) — see also the [3-phase proof-combining guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/). Embassy appointment soon? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the Sperrkonto myth that costs students 4 weeks · the 1 line embassies actually check on your certificate · why Video-Ident takes up to 6 weeks in some cities 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 9, 2026** Sources§ 2 AufenthV · § 16b AufenthG · § 5 AufenthG · § 199a / § 8 SGB V · EU Reg. 810/2009 · BASTI Sperrkonto T&Cs · HanseMerkur Care College / Care Visa Protect AVB · DAK-Gesundheit operations 2025 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Open your BASTI blocked account and take out Care College the same day — both proofs ready before your embassy appointment. [Care College — D-visa + course (recognised PDF in minutes) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/)[BASTI blocked account — €11,904 deposit · 12 months from €4.90/month (12 months) ](/en/insurance-plans/blocked-account/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 - German D-visa (student) appointments at the embassy require TWO independent proofs: (1) a blocked account (Sperrkonto) with the current pledge of €11,904 for 12 months as proof of financial means, and (2) a separate, recognised health-insurance certificate valid from the planned entry date. The blocked account does NOT include health insurance — this is the single most common reason embassies reject otherwise complete files. - The standard combination: BASTI blocked account from €4.90/month (€65 setup, €11,904 deposit) for the financial proof, plus Care College from €27.50/month for the insurance proof (recognised by German embassies for the D-visa, runs 1–60 months covering language course / Studienkolleg). For the visa appointment alone, Care Visa Protect from €0.85/day delivers the certificate by email within minutes (€30,000 Schengen cover, EU Reg. 810/2009). - Two failure modes: (1) showing only the Sperrkonto confirmation without a separate insurance certificate — embassy will not approve the D-visa; (2) opening the blocked account only 1–2 weeks before the appointment — Video-Ident takes 1–4 weeks (up to 6 weeks in Lagos / Kairo). Start the blocked-account procedure 4 weeks before the appointment, take the insurance out the same day online. Key facts at a glance Reviewed September 9, 2026 - **Two independent proofs at the embassy: financial (Sperrkonto) AND medical (insurance certificate):** Under § 2 AufenthV the German embassy requires proof of financial means (currently €11,904 for 12 months) PLUS a separate recognised health-insurance certificate valid from the planned entry date. The Sperrkonto is purely a financial proof — it does NOT include or replace the insurance certificate. (Source: § 2 AufenthV · § 5 AufenthG). - **BASTI blocked account: €4.90/month + €65 setup, €11,904 deposit, Video-Ident in 1–4 weeks:** BASTI delivers the Sperrkonto-Bestätigung the embassy expects. Video-Ident is faster than Post-Ident; busy embassies (Lagos, Cairo, Tehran, New Delhi) can extend the wait to 4–6 weeks — start at least 4 weeks before the appointment. (Source: BASTI Sperrkonto T&Cs). - **Care College — €27.50–138/month, 1–60 months, recognised by German embassies for the D-visa:** Standard insurance proof for the D-visa + language-course / Studienkolleg phase (12–40 years, no pre-existing conditions). PDF certificate by email within minutes. Monthly cancellable so it ends cleanly the day Immatrikulation is confirmed. (Source: HanseMerkur Care College AVB). - **Switch on Immatrikulation day: DAK ~€135.52/mo (M10 automatic) or Care Student €101.54/mo:** From day 1 of enrolment the GKV student tariff (DAK-Gesundheit) is mandatory for under-30s — M10 filed directly to the university (§ 199a SGB V). For over-30 / PhD / GKV-exempt students Care Student replaces it under § 8 SGB V (GKV-equivalent, M10 PDF). (Source: § 199a SGB V · § 8 SGB V · DAK-Gesundheit operations 2025). ## Five typical mistakes when combining Sperrkonto and insurance proof **Quick answer:** "I have the Sperrkonto — why was my visa rejected?" — most applicants run into one of five issues: assuming the blocked account includes insurance; opening the Sperrkonto only 2 weeks before the appointment; choosing a Care College tier below €30,000 cover; bringing only digital PDFs to embassies that require printouts; or starting the GKV-switch after the enrolment deadline. ## 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 a missing or wrong proof actually costs ## 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 days? Care College issues the recognised PDF in minutes ## 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. ## Get both proofs ready — in 3 steps 10 minutes online for the insurance, 1–4 weeks for the blocked account. Start BASTI 4 weeks before your embassy appointment, take out Care College the same day, and switch to DAK-Gesundheit or Care Student on the day Immatrikulation is confirmed — see also the [3-phase proof-combining guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/). ## 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 combining a blocked account with health insurance for the German D-visa 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 get you both proofs before the embassy appointment 🛂 Insurance proof — D-visa + course ### Care College from only €27.50 / month (coverage up to 5 years) For language schools, Studienkolleg, DSH, continuing education, visiting researchers & educational stays - Proof of insurance for visas & immigration authorities quickly available (PDF) - Affordable health insurance from €27.50 / month - Doctor, hospital, prescription medication & dental treatment coverage - For educational stays in Germany or the EU/Schengen Area — except Austria - Suitable for language students, Studienkolleg, DSH, continuing education & visiting researchers - Coverage up to 5 years – less renewal stress - 3 plan levels available: Basic, Comfort & Premium - 24/7 assistance + digital insurance card - Coverage term: 1 month to 5 years · entry age up to 40 - Reputable insurance carrier Why Care College? For foreign nationals with an educational stay who need affordable health insurance and proof of coverage for authorities — suitable for language school, Studienkolleg, DSH, continuing education or visiting researchers. Why a 5-year coverage term? More planning security during training, language courses or study preparation: less renewal stress and a lower risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €27.50 / month · coverage up to 5 years [Care College – Quick Overview](/en/insurance-plans/care-college/plan-details/) [Apply online now](/en/insurance-plans/care-college/apply/) → Complete the application, receive your instant PDF, submit your proof 💳 Financial proof — €11,904 / 12 months ### 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 On Immatrikulation day switch the insurance to [DAK-Gesundheit from €135.52/month (open-ended)](/en/insurance-plans/dak-gesundheit/overview/) (under 30, M10 automatic) or [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) (30+ / PhD / GKV-exempt). Compare all 11 tariffs in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — both proofs by tier & duration **Quick answer:** The two products that get you through the embassy appointment: BASTI blocked account (from €4.90/month + €65 setup, €11,904 deposit) for the financial proof, and Care College (from €27.50/month, 1–60 months) or Care Visa Protect (from €0.85/day) for the insurance proof. ### Proof A — BASTI blocked account €4.90/month + €65 setup, €11,904 deposit for 12 months; Basic / Smart / Premium tiers (Smart includes Care Visa Protect, accident & liability): 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/) ### Proof B (Option 1) — Care College (D-visa + course phase) Three tiers (Basic / Comfort / Premium), 1–60 months, monthly cancellable so it ends cleanly the day Immatrikulation is confirmed — recognised by German embassies for the D-visa: 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/) ### Proof B (Option 2) — Care Visa Protect (Schengen visa, ≤ 92 days) €30,000 cover in all Schengen states (EU Reg. 810/2009); certificate issued by email within minutes — must be taken out before travel: 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/) Sources: BASTI Sperrkonto T&Cs 2025, HanseMerkur Care College / Care Visa Protect AVB, Care Concept AG tariff tables 2024/25. The exact price is calculated in the online application. [Care College](/en/insurance-plans/care-college/overview/)[BASTI blocked account](/en/insurance-plans/blocked-account/overview/) [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) ## Frequently Asked Questions How long does it take to open a blocked account for Germany? Typically 1–4 weeks, depending on the provider and your country. Video-Ident is usually faster than Post-Ident. Start at least 4 weeks before your embassy appointment. The health insurance certificate (e.g., Care College) can be obtained within minutes online. Do I need both a blocked account and health insurance for a German student visa? Yes — german embassies typically require both: a blocked account (Sperrkonto, currently €11,904 for 12 months) as proof of financial means AND a separate health insurance certificate. Care College (from €27.50/month, up to 60 months) provides instant proof of coverage for the visa application. Can I use Care College insurance for the visa and then switch to public insurance? Yes — once enrolled at a German university, students under 30 can switch to statutory health insurance (GKV) like DAK-Gesundheit (~€135/month). Care College covers the visa application and study preparation phase (language course, Studienkolleg). Plan the transition in advance to avoid coverage gaps. Do I need insurance BEFORE entering Germany or is upon arrival enough? Under § 5 AufenthG the German embassy requires proof of valid health insurance from the day of intended entry — not from arrival at Frankfurt airport. Before entering. Care Visa Protect (from €0.85/day) or Care Student (€101.54/month, ages ≥30) start on any date you specify. Can DAK-Gesundheit be arranged from abroad before I enter Germany? Bridge the gap with Care Visa Protect (€0.85/day) or Care Student — most students bridge 2–6 weeks between arrival and matriculation this way. Yes but with a caveat: DAK can pre-register you, but the actual GKV coverage starts only from the day you register at the Ausländerbehörde or start your enrolment (§ 5 SGB V). [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 9, 2026.