Blocked Account, Visa and Studies: Proving Health Insurance Before Entry to Germany
- BASTI blocked account: from €4.90/month (€11,904 deposit · vs. visa rejection if missing)
- Care College: from €27.50/month (D-visa + language course / Studienkolleg, 1–60 mo · vs. €4,000+ uninsured ER stay)
- Care Visa Protect: from €0.85/day (Schengen €30k cover, certificate by email in minutes · vs. ~€830/day average ER bill)
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:
- AFinancial means (Sperrkonto): BASTI blocked account from €4.90/month (12 months) — €11,904 deposit for 12 months (§ 2 AufenthV), Video-Ident in 1–4 weeks.
- BHealth-insurance certificate (separate!): Care College from €27.50/month (up to 5 years) for the D-visa + course phase, or Care Visa Protect from €0.85/day (up to 92 days) for short Schengen visa (€30k cover, EU Reg. 810/2009).
- 3After Immatrikulation: DAK-Gesundheit from €135.52/month (open-ended) (under 30, M10 automatic) or Care Student from €101.54/month (up to 5 years) (30+ / PhD / GKV-exempt) — see also the 3-phase proof-combining guide.
Embassy appointment soon? 30-second tariff finder →
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
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.
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.
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 combining a blocked account with health insurance for the German D-visa
“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 get you both proofs before the embassy appointment
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
→ Complete the application, receive your instant PDF, submit your proof
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
On Immatrikulation day switch the insurance to DAK-Gesundheit from €135.52/month (open-ended) (under 30, M10 automatic) or Care Student from €101.54/month (up to 5 years) (30+ / PhD / GKV-exempt). Compare all 11 tariffs in the foreign-students hub.
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
|
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.
Proof B (Option 1) — Care College (D-visa + course phase)
Four tiers (Silver / S / M / XL), 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
|
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.
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.
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.
Frequently Asked Questions
Is health insurance included in the blocked account for a German student visa?
No — and this is the most common embassy rejection reason. The blocked account (Sperrkonto, currently €11,904 for 12 months) is purely a financial-means proof under § 2 AufenthV. The health-insurance certificate must be presented separately. <a href="/en/insurance-plans/care-college/overview/" class="text-primary underline underline-offset-2">Care College from €27.50/month</a> is the standard recognised D-visa tariff — issued as PDF within minutes online.
Can I open the blocked account and take out health insurance at the same time?
Yes — and you should. The blocked account typically takes 1–4 weeks (Video-Ident faster than Post-Ident; up to 6 weeks at busy embassies like Lagos or Cairo). Health insurance like <a href="/en/insurance-plans/care-college/overview/" class="text-primary underline underline-offset-2">Care College from €27.50/month</a> or <a href="/en/insurance-plans/care-visa-protect/overview/" class="text-primary underline underline-offset-2">Care Visa Protect from €0.85/day</a> is issued in minutes. Start the Sperrkonto first, take out insurance the same day so both certificates arrive in time.
When do I have to switch from Care College to statutory insurance after entering Germany?
On the day the Immatrikulationsbescheinigung is issued — not earlier, not later. Care College is monthly cancellable. For under-30 students <a href="/en/insurance-plans/dak-gesundheit/overview/" class="text-primary underline underline-offset-2">DAK-Gesundheit ~€135.52/month</a> (M10 filed automatically under § 199a SGB V) is the standard; for over-30 / PhD / GKV-exempt students <a href="/en/insurance-plans/care-student/overview/" class="text-primary underline underline-offset-2">Care Student €101.54/month</a> replaces it under § 8 SGB V.