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    Health Insurance for Foreigners in Germany
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    Care College — D-visa + coursefrom €27.50/month (up to 5 years)
    Sperrkonto alone does not get you the D-visa

    Blocked Account, Visa and Studies: Proving Health Insurance Before Entry to Germany

    4.9/5 · Over 10,000 policies since 2009
    German student D-visa with blocked account and health-insurance certificate — embassy proof package
    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. 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.
    2. 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).
    3. 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

    4.9/5

    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.

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

    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.

    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. Complete the application

      Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows.

    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 · Since 2009 · Over 10,000 policies issued
    5/5
    “My biggest worry was that the embassy wouldn't accept the insurance.
    The proof was accepted immediately — no questions asked.
    That saved me a lot of stress.”
    Georges from Cameroon

    Georges

    Cameroon

    5/5
    “I needed proof of insurance urgently for my visa appointment.
    The confirmation arrived within minutes by email.
    Everything worked first time at the embassy.”
    Olga from Russia

    Olga

    Russia

    5/5
    “Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
    Fast, simple and affordable.
    Highly recommended!”
    Michael from Germany

    Michael

    Germany

    5/5
    “The online sign-up was done in just a few minutes.
    When I actually had to see a doctor, the billing went smoothly.
    I was really covered — not just on paper.”
    Yunhee from Australia

    Yunhee

    Australia

    Now choose your plan

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

    Full price tables — 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

    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).