--- title: "From €0.85/day · Study-Prep Visa + Language + Kolleg DE" description: "Combine 3 proofs for a German study-preparation visa: Care Visa Protect from €0.85/day (visa, €30k Schengen cover), Care College from €27.50/mo (language course / Studienkolleg, 1–60 mo). Switch to DAK ~€135/mo on enrolment." 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": "Health Insurance for German Study-Preparation Visa, Language Course and Studienkolleg — How to Combine the 3 Proofs", "description": "Combine 3 proofs for a German study-preparation visa: Care Visa Protect from €0.85/day (visa, €30k Schengen cover), Care College from €27.50/mo (language course / Studienkolleg, 1–60 mo). Switch to DAK ~€135/mo on enrolment.", "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": "2026-08-29", "dateModified": "2026-09-05", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "DAK-Gesundheit", "url": "https://de.wikipedia.org/wiki/DAK-Gesundheit" }, { "@type": "Thing", "name": "Techniker Krankenkasse", "url": "https://en.wikipedia.org/wiki/Techniker_Krankenkasse" }, { "@type": "Thing", "name": "AOK", "url": "https://en.wikipedia.org/wiki/AOK" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[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": "Study Preparation & Visa Proof (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-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": "Which 3 insurance proofs are needed for a German study-preparation visa?", "acceptedAnswer": { "@type": "Answer", "text": "Three proofs: (1) Care Visa Protect (from €0.85/day, €30,000 Schengen cover) for the visa file; (2) Care College (from €27.50/month) for the language course or Studienkolleg residence permit; (3) DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) from day 1 of Immatrikulation." } }, { "@type": "Question", "name": "Can I combine Care Visa Protect and Care College for a German language course visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — the two dates chain seamlessly and both certificates are downloadable as PDFs within minutes." } }, { "@type": "Question", "name": "How long does a study-preparation visa allow in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The study-preparation visa under § 16b AufenthG covers up to 2 years across language course, Studienkolleg and enrolment. Care College can run the full 24 months from €27.50/month before switching to DAK or Care Student on Immatrikulation." } }, { "@type": "Question", "name": "Is DAK-Studenten accepted during the language course phase in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — during language course or Studienkolleg the recognised tariff is Care College (from €27.50/month), typically accepted by the Ausländerbehörde." } }, { "@type": "Question", "name": "Do I need to send the insurance certificate to the German embassy in advance?", "acceptedAnswer": { "@type": "Answer", "text": "The health-insurance certificate (typically Care Visa Protect for the Schengen leg plus a recognised follow-on such as Care College at €27.50/month) is part of the D-visa document checklist and must be uploaded before the embassy interview." } }, { "@type": "Question", "name": "What insurance do I need for a language course before university in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For a language course (Sprachkurs) or Studienkolleg before university enrollment, Care College (from €27.50/month) is the typical choice. It covers the entire preparation phase and is recognized for the D-visa application. Once you enroll at university, you can switch to statutory health insurance (GKV) like DAK-Gesundheit." } }, { "@type": "Question", "name": "Can I use one insurance policy for visa, language course, and university in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care College covers the visa application and language course/Studienkolleg phase. However, for university enrollment (Immatrikulation), you typically need to switch to GKV (statutory insurance) if you're under 30, or use Care Student as a private alternative. A seamless chain of certificates is required." } }, { "@type": "Question", "name": "How do I avoid a gap in health insurance between language course and university?", "acceptedAnswer": { "@type": "Answer", "text": "Keep your Care College policy active until the day your GKV coverage (e.g. DAK-Gesundheit) or Care Student starts. Start the GKV registration at least 4 weeks before the enrollment deadline to ensure the M10 confirmation arrives on time." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which 3 insurance proofs are needed for a German study-preparation visa?", "text": "Which 3 insurance proofs are needed for a German study-preparation visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Three proofs: (1) Care Visa Protect (from €0.85/day, €30,000 Schengen cover) for the visa file; (2) Care College (from €27.50/month) for the language course or Studienkolleg residence permit; (3) DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) from day 1 of Immatrikulation.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I combine Care Visa Protect and Care College for a German language course visa?", "text": "Can I combine Care Visa Protect and Care College for a German language course visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — the two dates chain seamlessly and both certificates are downloadable as PDFs within minutes.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long does a study-preparation visa allow in Germany?", "text": "How long does a study-preparation visa allow in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The study-preparation visa under § 16b AufenthG covers up to 2 years across language course, Studienkolleg and enrolment. Care College can run the full 24 months from €27.50/month before switching to DAK or Care Student on Immatrikulation.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is DAK-Studenten accepted during the language course phase in Germany?", "text": "Is DAK-Studenten accepted during the language course phase in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — during language course or Studienkolleg the recognised tariff is Care College (from €27.50/month), typically accepted by the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need to send the insurance certificate to the German embassy in advance?", "text": "Do I need to send the insurance certificate to the German embassy in advance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The health-insurance certificate (typically Care Visa Protect for the Schengen leg plus a recognised follow-on such as Care College at €27.50/month) is part of the D-visa document checklist and must be uploaded before the embassy interview.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance do I need for a language course before university in Germany?", "text": "What insurance do I need for a language course before university in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For a language course (Sprachkurs) or Studienkolleg before university enrollment, Care College (from €27.50/month) is the typical choice. It covers the entire preparation phase and is recognized for the D-visa application. Once you enroll at university, you can switch to statutory health insurance (GKV) like DAK-Gesundheit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use one insurance policy for visa, language course, and university in Germany?", "text": "Can I use one insurance policy for visa, language course, and university in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care College covers the visa application and language course/Studienkolleg phase. However, for university enrollment (Immatrikulation), you typically need to switch to GKV (statutory insurance) if you're under 30, or use Care Student as a private alternative. A seamless chain of certificates is required.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do I avoid a gap in health insurance between language course and university?", "text": "How do I avoid a gap in health insurance between language course and university?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Keep your Care College policy active until the day your GKV coverage (e.g. DAK-Gesundheit) or Care Student starts. Start the GKV registration at least 4 weeks before the enrollment deadline to ensure the M10 confirmation arrives on time.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-preparation-visa-language-course-proof-combining-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "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 Visa Protect — visa phase from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/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. Study Preparation & Visa Proof (Germany) Most common visa rejection: wrong insurance proof # Health Insurance for German Study-Preparation Visa, Language Course and Studienkolleg — How to Combine the 3 Proofs 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![German study-preparation D-visa — health-insurance proof for embassy, language course and Studienkolleg](/assets/studentenvisum-deutschland-d-visum-BXZm6Dh8.png) - [Care Visa Protect: from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) (Phase 1 — visa, €30,000 Schengen cover · vs. ~€830/day average ER bill) - [Care College: from €27.50/month](/en/insurance-plans/care-college/overview/) (Phase 2 — language course / Studienkolleg, 1–60 months · vs. €4,000+ uninsured hospital stay) - [DAK-Gesundheit: from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (Phase 3 — Immatrikulation, M10 automatic · vs. de-registration if missed) Phase 1: Visa €0.85/day · 92 days Phase 2: Course €27.50/mo · 1–60 mo Phase 3: Uni €135/mo · M10 Sources: § 16b AufenthG (study preparation) · § 5 AufenthG (€30,000 minimum cover) · § 199a SGB V (M10) · § 8 SGB V (GKV exemption) · EU Regulation 810/2009 (Schengen visa) · HanseMerkur Care Visa Protect / Care College AVB Combine 3 proofs across the 2-year § 16b AufenthG study-preparation visa — one per phase: 1. 1 **Visa phase (≤ 92 days):** [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) — €30,000 cover in all Schengen states (EU Reg. 810/2009). 2. 2 **Language course / Studienkolleg:** [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/) — recognised by German embassies, runs 1–60 months, monthly cancellable. 3. 3 **From day 1 of 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 [applicant bridge guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-study-applicants-not-yet-enrolled-typical-options-germany/). Not sure which phase you are in? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the 92-day Care Visa Protect cliff · the 1 document the Ausländerbehörde actually checks · why the embassy rejects 'one tariff fits all' files 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 5, 2026** Sources§ 16b AufenthG · § 5 AufenthG · § 199a / § 8 SGB V · EU Reg. 810/2009 · HanseMerkur Care Visa Protect / Care College AVB · DAK-Gesundheit operations 2025 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Combine the 3 proofs in 5 minutes — Care Visa Protect for the visa, Care College for the language course / Studienkolleg, switch to DAK or Care Student on enrolment day. [Care Visa Protect — visa phase (€30k Schengen cover) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care College — language course / Studienkolleg from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - The German study-preparation visa under § 16b AufenthG runs up to 2 years across three residence phases — visa, language course / Studienkolleg, and Immatrikulation — each needing a different insurance proof. Embassies and the Ausländerbehörde reject combined proofs only when one phase is missing or below €30,000 cover. - The standard 3-proof combination: Care Visa Protect from €0.85/day (national / Schengen visa, €30,000 cover in all Schengen states under EU Reg. 810/2009), Care College from €27.50/month (language course or Studienkolleg, recognised by German embassies, monthly cancellable), then DAK-Gesundheit ~€135.52/month (M10 filed automatically) or Care Student €101.54/month (over 30 / PhD / GKV-exempt) from day 1 of Immatrikulation. - Two failure modes: (1) running Care Visa Protect past 92 days instead of switching to Care College on arrival; (2) keeping Care College after Immatrikulation instead of switching to DAK or Care Student — the university then rejects the proof under § 199a SGB V. Key facts at a glance Reviewed September 5, 2026 - **Study-preparation visa (§ 16b AufenthG): up to 2 years across 3 residence phases:** The German study-preparation visa allows up to 2 years for the language course, Studienkolleg or actual application phase. Each phase needs its own recognised insurance proof — visa (Care Visa Protect from €0.85/day), course (Care College from €27.50/month), Immatrikulation (DAK-Gesundheit ~€135.52/month or Care Student €101.54/month). (Source: § 16b AufenthG). - **Visa phase: ≥ €30,000 medical cover valid in all Schengen states (EU Reg. 810/2009):** For the national study-preparation visa under § 5 AufenthG embassies require at least €30,000 medical cover valid in every Schengen state and including repatriation. Care Visa Protect from €0.85/day fulfils this for the maximum 92-day visa phase; the certificate is issued by email within minutes. (Source: EU Reg. 810/2009 · § 5 AufenthG). - **Care College — €27.50–138/month, 1–60 months, monthly cancellable, recognised by embassies:** For the language-course or Studienkolleg phase Care College is the standard recognised tariff (12–40 years, no pre-existing conditions covered). Monthly cancellable so it ends cleanly the day Immatrikulation is confirmed — important to avoid a § 199a SGB V rejection by the university. (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 — DAK files M10 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 the 3 proofs **Quick answer:** "Which insurance do I show the embassy vs. the university?" — most applicants run into one of five issues: trying to extend Care Visa Protect past 92 days; keeping Care College after Immatrikulation; skipping the language-course phase proof; choosing a Care College tier below €30,000 cover; or starting DAK before enrolment day. ## 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 missed phase 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. ## Visa appointment in days? Care Visa Protect issues the €30k Schengen certificate within 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. ## Combine the 3 proofs — in 3 steps 10 minutes online. Issue Care Visa Protect for the visa appointment, switch to Care College on arrival in Germany, and replace it with DAK-Gesundheit or Care Student on the day Immatrikulation is confirmed — full M10 workflow in the [M10 enrolment proof guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 visa, language and Studienkolleg insurance proofs in Germany 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 tariffs that cover the visa & language-course phases 🛂 Phase 1 — visa (Schengen / national) ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof 🎓 Phase 2 — language / Studienkolleg ### 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 On Immatrikulation day switch 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 — all 3 phases by age & duration **Quick answer:** The three tariffs that fit the 2-year study-preparation visa: Care Visa Protect (from €0.85/day) for the visa application, Care College (€27.50–138/month) for the language course or Studienkolleg, and DAK-Gesundheit (~€135.52/month) from day 1 of Immatrikulation. ### Phase 1 — Care Visa Protect (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/) ### Phase 2 — Care College (language course / Studienkolleg) Three tiers (Basic / Comfort / Premium), 1–60 months, monthly cancellable so it ends cleanly the day Immatrikulation is confirmed: 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/) ### Phase 3 — DAK-Gesundheit (from day 1 of Immatrikulation) Garantietarif 120 saves €120/year. M10 notification filed automatically to the university — for over-30 / PhD / GKV-exempt students Care Student €101.54/month replaces it: Insured benefits DAK-Gesundheit Bestseller DAK + Garantietarif 120 DAK + Fit & Travel up to age 23 €145.52 / month €145.52 €135.52 / month €145.52 / month up to age 29, childless €150.65 / month €150.65 €140.65 / month €150.65 / month up to age 29, with 1 child €145.52 / month €145.52 €135.52 / month €145.52 / month Bonus / extra benefit — saves €120/year free for under 39 Contribution incl. long-term care insurance (childless from age 23). Garantietarif 120: €120 contribution refund per year if no claims are filed. Fit & Travel: free for insured persons under 39. Entry age up to 29, term for the duration of studies (max. 14 specialist semesters / age 30). As of 2026. [DAK Students — Overview](/en/insurance-plans/dak-gesundheit/overview/) [Apply now](/en/insurance-plans/dak-gesundheit/overview/) Sources: HanseMerkur Care Visa Protect / Care College AVB, DAK-Gesundheit contribution statement 2025, Care Concept AG tariff tables 2024/25. The exact price is calculated in the online application. [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/)[Care College](/en/insurance-plans/care-college/overview/) [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) ## Frequently Asked Questions Which 3 insurance proofs are needed for a German study-preparation visa? Three proofs: (1) Care Visa Protect (from €0.85/day, €30,000 Schengen cover) for the visa file; (2) Care College (from €27.50/month) for the language course or Studienkolleg residence permit; (3) DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) from day 1 of Immatrikulation. Can I combine Care Visa Protect and Care College for a German language course visa? Yes — the two dates chain seamlessly and both certificates are downloadable as PDFs within minutes. How long does a study-preparation visa allow in Germany? The study-preparation visa under § 16b AufenthG covers up to 2 years across language course, Studienkolleg and enrolment. Care College can run the full 24 months from €27.50/month before switching to DAK or Care Student on Immatrikulation. Is DAK-Studenten accepted during the language course phase in Germany? No — during language course or Studienkolleg the recognised tariff is Care College (from €27.50/month), typically accepted by the Ausländerbehörde. Do I need to send the insurance certificate to the German embassy in advance? The health-insurance certificate (typically Care Visa Protect for the Schengen leg plus a recognised follow-on such as Care College at €27.50/month) is part of the D-visa document checklist and must be uploaded before the embassy interview. What insurance do I need for a language course before university in Germany? For a language course (Sprachkurs) or Studienkolleg before university enrollment, [Care College (from €27.50/month)](/en/insurance-plans/care-college/overview/) is the typical choice. It covers the entire preparation phase and is recognized for the D-visa application. Once you enroll at university, you can switch to statutory health insurance (GKV) like DAK-Gesundheit. Can I use one insurance policy for visa, language course, and university in Germany? Care College covers the visa application and language course/Studienkolleg phase. However, for university enrollment (Immatrikulation), you typically need to switch to GKV (statutory insurance) if you're under 30, or use Care Student as a private alternative. A seamless chain of certificates is required. How do I avoid a gap in health insurance between language course and university? Keep your Care College policy active until the day your GKV coverage (e.g. [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/)) or Care Student starts. Start the GKV registration at least 4 weeks before the enrollment deadline to ensure the M10 confirmation arrives on time. [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 5, 2026.