--- title: "From €0.85/day – health insurance for German visa" description: "Health insurance for the German visa and residence permit: Schengen €30,000 rule, D-visa proof, Ausländerbehörde requirements, recognised tariffs from €0.85/day." 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", 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"[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What is the minimum health-insurance cover for a Schengen visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "At least €30,000 medical cover including medical repatriation, valid across all Schengen states (Article 15, Regulation (EC) 810/2009). Care Visa Protect from €0.85/day ships with a €50,000 benefit ceiling — well above the legal minimum — and the bilingual certificate arrives by email within minutes." } }, { "@type": "Question", "name": "Is travel insurance enough for a national D-visa?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy from €30 per 30 days covers stays up to 2 years; Care Expatriate from €58/month is the standard product for residence permits of 6 months to 5 years. Generally no. For the long-stay national D-visa the German embassy expects an Incoming policy comparable to German cover — outpatient, inpatient and repatriation for the whole requested visa period." } }, { "@type": "Question", "name": "From when must the insurance be valid?", "acceptedAnswer": { "@type": "Answer", "text": "The certificate must be on file at the visa appointment — most applicants buy 2 to 4 weeks earlier so they stay flexible if the appointment is rescheduled. At the latest from the planned date of entry. Care Visa Protect issues the certificate the same day the policy is bought." } }, { "@type": "Question", "name": "Which format does the German embassy accept as insurance proof?", "acceptedAnswer": { "@type": "Answer", "text": "A bilingual PDF (German + English) showing the policy number, the sum insured (≥ €30,000), the validity area and the insurance period. Care Visa Protect ships exactly this format by email — ready to print and submit at the embassy or upload to the visa portal." } }, { "@type": "Question", "name": "What can I do if the German embassy rejects my insurance proof?", "acceptedAnswer": { "@type": "Answer", "text": "The five most common rejection reasons are missing repatriation, cover below €30,000, wrong validity area, certificate in the wrong language, or end date before the requested visa period. Care Visa Protect (Schengen) and Care Economy (D-visa) are built to meet all five criteria automatically — and the certificate can be reissued free of charge if the embassy asks for a correction." } }, { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Expatriate for the residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. Yes — as a rule. Care Expatriate is regularly recognised under § 5 AufenthG by German immigration offices as proof of health insurance for the Aufenthaltstitel, EU Blue Card, freelancer permit (§ 21 AufenthG) and family reunification visa. The bilingual certificate (German + English) issued after the online application is the document caseworkers expect to see. Individual case review applies; not legal advice." } }, { "@type": "Question", "name": "How long does it take to get the insurance certificate for a German visa?", "acceptedAnswer": { "@type": "Answer", "text": "With Care Visa Protect, Care Economy or Care Expatriate the certificate is issued by email within minutes — typically 3 to 7 minutes after the online application. No medical questionnaire, no German bank account required. Print the PDF or upload it directly to the embassy visa portal." } }, { "@type": "Question", "name": "Do I need separate insurance for each family member under family reunification?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. Yes. Every family member named on the visa application — spouse, child, parent — needs a separate Krankenversicherungsnachweis. Care Expatriate per family member is the standard route; once the resident family member is on a German payroll, family GKV cover via the Krankenkasse usually replaces it. Caseworker discretion applies." } }, { "@type": "Question", "name": "How much does Schengen travel insurance for a German visa cost (e.g. from India, Nigeria, Philippines, Turkey, Pakistan or Brazil)?", "acceptedAnswer": { "@type": "Answer", "text": "As a rule, from €0.85/day with Care Visa Protect. A typical 14-day visit to Germany comes to under €15 — well below the €30,000 Schengen minimum cover threshold. The same daily premium applies to applicants from India (New Delhi, Mumbai, Chennai), Pakistan (Islamabad), Nigeria (Lagos, Abuja), the Philippines (Manila), Turkey (Istanbul, Ankara) and Brazil (São Paulo) — pricing is age-based, not nationality-based. Individual case review applies." } }, { "@type": "Question", "name": "Is travel insurance mandatory for the German Schengen visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — the minimum cover is €30,000, must include medical repatriation, and must be valid in all Schengen states for the entire requested visa period. Care Visa Protect from €0.85/day meets every criterion automatically." } }, { "@type": "Question", "name": "Can I use my home-country health insurance (Indian, Turkish, Pakistani, Nigerian, Filipino or Brazilian) for a German visa?", "acceptedAnswer": { "@type": "Answer", "text": "Generally no for a Schengen visa, because most home-country travel policies do not satisfy the EU 810/2009 validity-area and repatriation rules. For a long-stay national D-visa or a German residence permit, only insurance comparable to German cover qualifies under § 5 AufenthG — home-country travel insurance is typically rejected by the Ausländerbehörde. Care Visa Protect (Schengen) and Care Expatriate (D-visa, Aufenthaltstitel, EU Blue Card, family reunification) are the standard substitutes accepted at the embassy and immigration office. Caseworker discretion applies; not legal advice." } }, { "@type": "Question", "name": "Does the dependent or family-visa holder also need separate health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Expatriate per family member is the standard route until the resident family member is on a German payroll and family GKV cover via the Krankenkasse (TK, AOK, Barmer, DAK-Gesundheit) becomes available. Individual case review applies; not legal advice." } }, { "@type": "Question", "name": "Country-specific: how does Care Visa Protect work for applicants from India, Pakistan, Nigeria, the Philippines, Turkey or Brazil?", "acceptedAnswer": { "@type": "Answer", "text": "85/day starting premium and receives the same bilingual Krankenversicherungsnachweis. Pricing for Care Visa Protect is age-based, not nationality-based — so an applicant filing in New Delhi, Islamabad, Lagos, Manila, Istanbul or São Paulo pays the same €0. The certificate is the document the German embassy or consulate expects regardless of whether the file is opened in India, Pakistan, Nigeria, the Philippines, Turkey or Brazil; the policy is underwritten by HanseMerkur and the PDF arrives by email within minutes. Individual case review by the caseworker still applies." } }, { "@type": "Question", "name": "Is travel insurance mandatory for the German Schengen visa? Quick reference for visa applicants", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Article 15 of EU Regulation 810/2009 makes travel medical insurance a legal precondition for every Schengen C-visa filed at a German embassy. The minimum cover is €30,000, the policy must include medical repatriation, and it has to be valid across all Schengen states for the full requested visa period. In practice the daily premium with Care Visa Protect runs from €0.85 to about €2.50 depending on the applicant's age (0–74 years), which works out to roughly €12 for a typical 14-day visit. We recommend Care Visa Protect because the bilingual PDF certificate is embassy-recognised, arrives by email within minutes and can be re-issued free of charge if the consulate asks for a correction." } }, { "@type": "Question", "name": "Long-stay visas: which product matches the EU Blue Card, Chancenkarte, freelancer, dependent, student, working-holiday or jobseeker visa?", "acceptedAnswer": { "@type": "Answer", "text": "For the EU Blue Card and the dependent (family-reunification) visa, Care Expatriate is the standard route — it covers residence permits from 6 months to 5 years. The Chancenkarte (opportunity card) and the jobseeker visa instead use Care Economy as a short bridge until employment starts and statutory cover with a Krankenkasse such as TK, AOK, Barmer or DAK-Gesundheit kicks in. Freelancer permits under § 21 AufenthG and family-reunification permits under § 28 AufenthG also default to Care Expatriate. Matriculated degree students under 30 take the DAK-Gesundheit statutory student tariff, while over-30 or GKV-exempt students use Care Student; language-school and Studienkolleg applicants take Care College. Working-holiday visas typically run for 12 months on Care Economy. Caseworker discretion applies." } }, { "@type": "Question", "name": "Multi-entry Schengen visas and residence-permit extensions — what wording does the certificate need?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. For a multi-entry Schengen visa, the certificate has to state that the €30,000 medical cover and repatriation apply to every individual entry within the visa's validity period — not only to the first trip. Care Visa Protect ships exactly this wording on the bilingual PDF by default. When extending a residence permit, the Ausländerbehörde wants a § 5 AufenthG insurance certificate covering the full requested extension period; Care Expatriate's renewal certificate is the document caseworkers expect to see at the extension appointment." } }, { "@type": "Question", "name": "Travel insurance vs residence insurance — what is the difference for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Travel insurance (Reisekrankenversicherung) is meant for short tourist trips and satisfies the Schengen visa rule under EU Regulation 810/2009. Mixing up travel insurance and residence insurance is the single most expensive mistake in a German visa file. Residence insurance (Auslandskrankenversicherung) is the longer-term Incoming policy that the national D-visa and any Aufenthaltstitel actually require. Submitting a tourist policy at an Ausländerbehörde appointment is a textbook rejection — caseworkers refuse the file and the next embassy slot is typically 4 to 8 weeks out. The clean split is therefore: Care Visa Protect for Schengen visits, Care Economy as the D-visa bridge for medium stays, and Care Expatriate for long-term residence permits." } }, { "@type": "Question", "name": "What does the bilingual embassy certificate (Krankenversicherungsnachweis) actually have to show?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. The bilingual PDF (German + English) must list the insured person, the policy number, the sum insured (≥ €30,000), the validity area (Schengen, EU or worldwide), the insurance period and the medical-repatriation clause. That format is the version that clears both the consulate visa portal and the Ausländerbehörde counter. The label on the document can vary — embassies often head it Krankenversicherungsnachweis and immigration offices use Versicherungsnachweis zum Aufenthaltstitel — but the underlying document is identical. Care Visa Protect, Care Economy and Care Expatriate all ship the same bilingual certificate, so a single file works at the embassy and later at the immigration office." } }, { "@type": "Question", "name": "After entry — Anmeldung, the residence permit and family reunification", "acceptedAnswer": { "@type": "Answer", "text": "Proof of insurance under § 5 AufenthG must then be on file at the Ausländerbehörde before the Aufenthaltstitel can be issued. After entry, the address registration (Anmeldung) at the local Bürgeramt has a 14-day deadline under the Bundesmeldegesetz; that step in turn unlocks the Mitgliedsbescheinigung from the Krankenkasse that the residence-permit file needs. Family reunification cover is always per person under § 28 AufenthG — every spouse, child or parent on the visa needs an individual Krankenversicherungsnachweis. Care Expatriate scales per family member, and once the resident relative is on a German payroll, statutory family cover via the Krankenkasse usually takes over." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the minimum health-insurance cover for a Schengen visa to Germany?", "text": "What is the minimum health-insurance cover for a Schengen visa to 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": "At least €30,000 medical cover including medical repatriation, valid across all Schengen states (Article 15, Regulation (EC) 810/2009). Care Visa Protect from €0.85/day ships with a €50,000 benefit ceiling — well above the legal minimum — and the bilingual certificate arrives by email within minutes.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-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": "Is travel insurance mandatory for the German Schengen visa?", "text": "Is travel insurance mandatory for the German Schengen 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 — the minimum cover is €30,000, must include medical repatriation, and must be valid in all Schengen states for the entire requested visa period. Care Visa Protect from €0.85/day meets every criterion automatically.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-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": "DefinedTermSet", "name": "Visa & residence health insurance — glossary", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Schengen visa (C-visa, EU 810/2009)", "description": "Short-stay visa for up to 90 days within any 180-day period in the Schengen area. Article 15 of Regulation (EC) 810/2009 requires travel medical insurance with minimum cover of €30,000 including repatriation, valid across all Schengen states.", "inDefinedTermSet": "Visa & residence health insurance — glossary" }, { "@type": "DefinedTerm", "name": "National D-visa (long-stay)", "description": "German national entry visa for stays beyond 90 days — students, employees (Blue Card), researchers, family reunification, freelancers. The German embassy expects insurance comparable to German cover for the whole requested visa period — travel insurance generally does not qualify.", "inDefinedTermSet": "Visa & residence health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Aufenthaltstitel (residence permit)", "description": "German residence permit issued by the Ausländerbehörde under the Aufenthaltsgesetz (AufenthG) after entry. § 5 AufenthG requires proof of adequate health insurance — Krankenversicherungsnachweis — for the entire requested permit period.", "inDefinedTermSet": "Visa & residence health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Krankenversicherungsnachweis", "description": "German-language proof of health insurance — the single document the Ausländerbehörde checks before deciding on the residence permit. Bilingual PDF (German + English) is the standard format that caseworkers accept.", "inDefinedTermSet": "Visa & residence health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Ausländerbehörde", "description": "Local immigration office that issues, extends or denies residence permits in Germany. Each city has its own — Berlin's is the Landesamt für Einwanderung (LEA); Munich operates via the Kreisverwaltungsreferat.", "inDefinedTermSet": "Visa & residence health insurance — glossary" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to provide insurance proof for a German visa", "description": "Step-by-step process for visa applicants to deliver an Ausländerbehörde- and embassy-compliant Krankenversicherungsnachweis.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Identify your visa type", "text": "Schengen C-visa (up to 92 days) — use Care Visa Protect. National D-visa or residence permit (6 months to 5 years) — use Care Economy as a short bridge or Care Expatriate for long stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online and receive the bilingual certificate", "text": "Complete the online application; the German + English Krankenversicherungsnachweis is issued by email within minutes, ready for embassy submission." }, { "@type": "HowToStep", "position": 3, "name": "Submit at the German embassy or consulate", "text": "Upload the PDF in the visa portal or hand it in at the appointment together with the rest of the visa file." }, { "@type": "HowToStep", "position": 4, "name": "Confirm validity at the Ausländerbehörde after entry", "text": "After arrival and Anmeldung, hand the same certificate to the Ausländerbehörde under § 5 AufenthG for the residence-permit decision." } ], "totalTime": "PT15M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "ItemList", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/#guides-itemlist", "name": "All visa & residence health-insurance guides for Germany", "inLanguage": "en", "numberOfItems": 24, "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Schengen health insurance requirements", "description": "€30,000 minimum cover, repatriation and validity area — what the Schengen visa demands.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/" }, { "@type": "ListItem", "position": 2, "name": "Insurance proof for the German visa", "description": "What German embassies and the Ausländerbehörde want to see on the certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/" }, { "@type": "ListItem", "position": 3, "name": "€30,000 minimum cover — what does it mean?", "description": "Regulation (EC) 810/2009 explained: why €30,000 is the floor and what falls short.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/minimum-cover-30000-euro-schengen-health-insurance-germany/" }, { "@type": "ListItem", "position": 4, "name": "Required fields on the insurance policy", "description": "Policy number, sum insured, validity area — the visa-applicant checklist.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/insurance-policy-required-fields-visa-germany/" }, { "@type": "ListItem", "position": 5, "name": "Embassy insurance certificate — details", "description": "Exactly which fields must appear so the consulate accepts the proof first time.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/insurance-confirmation-certificate-for-embassy-details-germany/" }, { "@type": "ListItem", "position": 1, "name": "Original, PDF or printout — what counts?", "description": "Which format the embassy accepts — and the format mistakes that trigger rejection.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-original-pdf-printout-what-accepted-germany/" }, { "@type": "ListItem", "position": 2, "name": "German or English certificate?", "description": "Which language the insurance proof must be in, depending on the embassy.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-german-english-embassy-authority-germany/" }, { "@type": "ListItem", "position": 1, "name": "From when must the cover be valid?", "description": "Start date, entry date and validity period — when the cover must kick in.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-from-when-valid-entry-germany/" }, { "@type": "ListItem", "position": 2, "name": "Timing: buy cover before the visa appointment", "description": "When to take out the policy — and why doing it late is a rejection cause.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-before-visa-appointment-taking-out-timing-germany/" }, { "@type": "ListItem", "position": 3, "name": "Cover the entry-to-departure period correctly", "description": "Which insurance period is right — common mistakes when stating the duration.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-period-entry-departure-correctly-cover-germany/" }, { "@type": "ListItem", "position": 4, "name": "Visa appointment delayed — what to do?", "description": "Extend or rebook the policy — how that affects the embassy proof.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-appointment-delayed-health-insurance-start-date-duration-germany/" }, { "@type": "ListItem", "position": 1, "name": "Coverage area: Schengen, EU or worldwide", "description": "Which validity area applies to which visa — and what the embassy checks.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/coverage-area-health-insurance-germany-schengen-worldwide/" }, { "@type": "ListItem", "position": 2, "name": "Multi-entry Schengen visa wording", "description": "How the cover must be worded for multiple entries within the visa period.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/schengen-health-insurance-multi-entry-multiple-trips-wording-germany/" }, { "@type": "ListItem", "position": 3, "name": "National D-visa: different requirements", "description": "Why the D-visa needs broader insurance proof than the Schengen visa.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/" }, { "@type": "ListItem", "position": 4, "name": "National D-visa vs Schengen visa", "description": "Differences in insurance obligation, scope of cover and required proof format.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-national-visa-difference-to-schengen-germany/" }, { "@type": "ListItem", "position": 5, "name": "Travel insurance vs residence insurance", "description": "When each fits — and why authorities check the difference.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/travel-insurance-vs-residence-insurance-which-authorities-accept-germany/" }, { "@type": "ListItem", "position": 1, "name": "Visa rejected because of insurance — common reasons", "description": "The five most frequent rejection reasons and how to avoid each one.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/" }, { "@type": "ListItem", "position": 2, "name": "Insurance proof not accepted — immediate checklist", "description": "What to do when the embassy refuses the certificate. 6-point fast-fix plan.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-not-accepted-immediate-checklist-germany/" }, { "@type": "ListItem", "position": 3, "name": "Avoid rejection of the insurance proof", "description": "Proactive checklist — typical mistakes and how to bypass them on day one.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/" }, { "@type": "ListItem", "position": 1, "name": "After visa issuance — change or extension", "description": "Next steps after a granted visa — entry, Anmeldung, switching insurance.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-after-visa-issuance-change-extension-germany/" }, { "@type": "ListItem", "position": 2, "name": "Proof after entry — Anmeldung & Ausländerbehörde", "description": "What to do after arrival — address registration and the office certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-after-entry-registration-immigration-office-germany/" }, { "@type": "ListItem", "position": 3, "name": "Proof for residence permit & extension", "description": "What the Ausländerbehörde requires for first issue and for extension.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-residence-permit-extension-germany/" }, { "@type": "ListItem", "position": 1, "name": "Family reunification — insurance requirements & proofs", "description": "Which insurance proof is required for spouses, children and parents.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-family-reunification-requirements-proofs-germany/" }, { "@type": "ListItem", "position": 2, "name": "Documents & checklist for the German visa", "description": "Every document at a glance so nothing is missing at the appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/" } ] } ] --- 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/) 1 Step 1/3: Check plan (you are here) › 2 Step 2/3: Get PDF proof › 3 Step 3/3: Submit to authority [See plans →](#tarife) [Care Visa Protect 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. Visa & residence — health insurance for foreigners 📑 On this page (9) - [→ What insurance the embassy and Ausländerbehörde accept](#what-is) - [→ The 4 most common visa-proof mistakes](#problems) - [→ Recommended tariffs — Schengen vs D-visa](#tarife) - [→ Prices — Care Visa Protect & Care Economy](#prices) - [→ Which tariff for which visa?](#scenarios) - [→ Step-by-step: from booking the appointment to entry](#step-by-step) - [→ All visa & residence guides (24 articles)](#topics) - [→ Glossary — visa & residence insurance terms](#glossary) - [→ FAQ](#faq) As a rule, over 15,000 German visa applications are rejected every year — a wrong or missing insurance proof is one of the most common reasons. Caseworker discretion applies. ![German passport, Schengen visa application file and health-insurance certificate ready for the embassy appointment](/assets/visum-fuer-deutschland-schengen-BlAIXY3l.jpg) Visa file with bilingual Krankenversicherungsnachweis ready for the embassy. # Visa & residence — health insurance for foreigners in Germany 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) · Embassy-accepted bilingual PDF By **Steffan Grund** · Reviewed September 9, 2026 "Care Visa Protect PDF accepted at the German embassy New Delhi at first try." — P. S. (Delhi), Schengen visa Quotes from internal customer feedback, anonymised and shortened. Plan: pick your visa type → buy the recognised cover online in ~5 minutes → submit the bilingual certificate at the German embassy or upload it to the visa portal. › **Trusted by visa applicants to Germany from** — show country list Pakistan (Islamabad, Karachi, Lahore), India (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai), Bangladesh, Sri Lanka, Nepal, Türkiye, Iran, Iraq, Syria, Lebanon, Egypt, Morocco, Tunisia, Algeria, Nigeria, Ghana, Kenya, Ethiopia, the Philippines, Indonesia, Vietnam, Thailand, China, Brazil, Colombia, Mexico, Ukraine, Russia, Kosovo, Serbia, Bosnia, North Macedonia and Albania. Used since 2009 by visa applicants worldwide — typically accepted by German embassies and Ausländerbehörden under § 5 AufenthG and the Schengen Visa Code (EU 810/2009). Accepted: EU 810/2009 (Schengen) Ausländerbehörde (typically) German embassy practice (§ 5 AufenthG) GDPR/EU Bilingual PDF (German + English) No medical questionnaire (within policy terms) No German bank account required Free re-issue if the embassy asks for a correction [ Care Visa Protect daily premium Care Visa Protect from €0.85/day (Schengen) ⟷ Residence permit delay New embassy slots are typically 4–8 weeks out after a rejection ⟷ average DRG day-rate, DKG hospital statistics 2024 (Richtwert) German hospital day rate: ~€830/day (Indicative DKG hospital day-rate 2024 — varies by Bundesland and hospital) ](#tarife) No commitment · monthly cancellation · confirmation by email (typically immediate). Sources: Regulation (EC) 810/2009 · § 5 AufenthG · Federal Foreign Office · BAMF · HanseMerkur GTC · Care Concept AG General information based on the published Schengen Visa Code, the German Residence Act (AufenthG) and our 10,000+ visa-insurance placements since 2009 — not legal, tax or insurance advice; individual embassy and Ausländerbehörde caseworkers may decide case-by-case. Indicative: a single rejected visa appointment in Germany typically pushes the next embassy slot 4–8 weeks out — Care Visa Protect premium for a typical 14-day visit: under €15. Individual case review applies; not legal or insurance advice. **As a rule, no recognised insurance certificate — no visa, no residence permit.** What the German embassy or the _Ausländerbehörde_ (immigration office) wants to see depends on the visa type — **Schengen visa** (e.g. the German embassy in Istanbul, the consulate in São Paulo or New Delhi), **national D-visa** or German **Aufenthaltstitel** (residence permit). A single wrong field on the certificate can mean weeks of waiting for a new appointment. The fix is product-led. For Schengen C-visa visits up to 92 days: [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) — Schengen-compliant under EU 810/2009 with a €50,000 benefit ceiling. For longer stays under a national D-visa or a residence permit: [Care Economy from €30 per 30 days](/en/insurance-plans/care-economy/overview/) as a 1-day to 2-year bridge, or [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) as the long-term Aufenthaltstitel cover (6 months to 5 years) recognised by the Ausländerbehörde for the Blue Card, the freelancer visa (§ 21 AufenthG) and family reunification. Below: which certificate fields the embassy checks, the five rejection reasons we still see weekly, the exact difference between Schengen and national D-visa insurance, the 24 deep guides for every visa scenario, and the 8 questions visa applicants ask the most. Editor's note: since 2009 we have issued bilingual insurance certificates for over 10,000 German visa files. The two mistakes we still see weekly at the embassy counter are (1) a travel policy from the home country submitted in place of a residence-permit-compliant product, and (2) an insurance period that ends before the requested visa period. Both are avoidable — the checklists, price tables and step-by-step flow below show exactly which product, duration and certificate wording the embassy and the Ausländerbehörde expect. Last reviewed by Steffan Grund on September 9, 2026. Trusted Providers Care Concept · HanseMerkur · DAK where applicable Visa Proof Proof of insurance for embassy or consulate documents Fast Online Process Receive the available confirmation after successful application ## What insurance the German embassy and the Ausländerbehörde accept **Quick answer:** For a Schengen visa, the cover must meet Article 15 of Regulation (EC) 810/2009 — minimum €30,000, including medical repatriation, valid in every Schengen state. For a national D-visa or German residence permit, the cover must be comparable to German cover for the entire requested visa period under § 5 AufenthG. Travel insurance bought in the home country generally does not qualify for the long-stay path — caseworker discretion applies. Three Incoming products cover almost every visa pathway to Germany. **Care Visa Protect** for Schengen C-visa visits up to 92 days. **Care Economy** for visitors, the Chancenkarte job-search period and 1-day to 2-year bridges. **Care Expatriate** for the long-stay residence permit (6 months to 5 years), the EU Blue Card, the freelancer visa under § 21 AufenthG and family reunification under § 28 AufenthG. All three ship a bilingual certificate (German + English) ready for the embassy and the Ausländerbehörde — see the [Federal Foreign Office visa service](https://www.auswaertiges-amt.de/en/visa-service) and [Regulation (EC) 810/2009](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32009R0810) for the official sources. Note on terminology: the Federal Foreign Office (Auswärtiges Amt) uses the wording "travel medical insurance" (Reisekrankenversicherung) for the Schengen C-visa proof, while the Ausländerbehörde and German embassies use "Krankenversicherungsnachweis" (Auslandskrankenversicherung Visum) for the long-stay D-visa and residence-permit file — same document, same product family, two official labels. Care Visa Protect, Care Economy and Care Expatriate ship a bilingual PDF that explicitly carries both wordings, so the same certificate clears the embassy visa portal and the immigration office without re-issue. ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 31, 2026** SourcesRegulation (EC) 810/2009 Art. 15 · § 5 AufenthG · Federal Foreign Office (Auswärtiges Amt) · BAMF · HanseMerkur GTC · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Need a Schengen- or D-visa-ready certificate today? [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/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/) Key facts at a glance Reviewed August 31, 2026 - **Schengen minimum benefit ceiling:** €30,000 medical cover including repatriation, valid in all Schengen states — Care Visa Protect ships with €50,000 by default. (Source: Regulation (EC) 810/2009 Art. 15). - **Residence-permit gate:** the Ausländerbehörde requires proof of health insurance for the entire requested permit period — under-coverage is the single most common rejection cause. (Source: § 5 AufenthG). - **Embassy appointment wait after rejection:** typically 4–8 weeks for a new slot at the main German embassies in Delhi, Istanbul, São Paulo and Lagos (Richtwert). (Source: Federal Foreign Office practice). - **Anmeldung deadline after entry:** 14 days after moving into a German apartment — gates the Krankenkasse Mitgliedsbescheinigung needed for the residence-permit file. (Source: Bundesmeldegesetz § 17). ## The 4 most common visa-proof mistakes — and how each one is solved **Quick answer:** Four issues repeat at every embassy counter and Ausländerbehörde appointment: wrong product for the visa type, late appointment booking, D-visa underestimated as Schengen, and missing per-person certificates under family reunification. Each has a clean answer below — usually Care Visa Protect (Schengen), Care Economy (D-visa bridge) or Care Expatriate (residence permit). Visa rejection due to the wrong insurance Missing repatriation, cover below €30,000 or wrong format — one of the most frequent rejection reasons at the embassy. [Care Visa Protect meets every Schengen requirement →](/en/insurance-plans/care-visa-protect/overview/) Embassy appointment in 2 weeks — still no insurance The proof must be on the file at the appointment. Online application takes 5 minutes; the certificate arrives by email the same day. [Secure cover now — from €0.85/day →](/en/insurance-plans/care-visa-protect/overview/) D-visa: different rules from Schengen The national D-visa needs broader cover than a Schengen travel policy. Most applicants underestimate the difference. [Care Economy for the D-visa — from €30/30 days →](/en/insurance-plans/care-economy/overview/) Family reunification — one proof per person Spouse, child or parent — every family member needs a separate Krankenversicherungsnachweis. Missing certificates stall the whole file. [Family-reunification insurance proofs →](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-family-reunification-requirements-proofs-germany/) ## Reality check: what happens without recognised insurance ## 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 wrong proof Documents delayed when time matters Wrong dates, missing coverage details or unclear validity area can create document problems exactly when you need proof. - 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 slot, entry date, Anmeldung — why timing matters ## Why act before documents are requested Insurance proof often becomes urgent at the worst moment: before an appointment, enrollment, residence step or travel date. Preparing it early reduces document stress. 📅 Deadlines arrive fast Appointments, enrollment dates and travel plans can move faster than expected. 📄 Proof takes the right format Your certificate should match your stay purpose, dates, destination and required coverage details. ⚡ Online application saves time Many plans provide the available confirmation after successful online application. ✅ Check before you apply Choose the route that fits your visa, age, stay length and destination before submitting documents. ## What visa applicants say about Care Concept for the German embassy appointment 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/) ## Recommended health insurance — Schengen vs national D-visa Three products cover every visa scenario — no brand jungle, no hidden cost. Schengen short stay, D-visa bridge, long-stay residence permit. ✈️ Schengen visitors · up to 92 days ### 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 🔄 D-visa bridge · 1 day to 2 years ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 🧳 Residence permit · 6 months to 5 years ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof ## Care Visa Protect — all Schengen short-stay prices (up to 92 days) **Quick answer:** For Schengen C-visa visits, Care Visa Protect is the lowest-cost compliant option: from €0.85/day with a €50,000 benefit ceiling — well above the €30,000 Schengen minimum — and no deductible. 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 Economy — visitor & D-visa bridge prices (up to 2 years) **Quick answer:** Care Economy is the medium-term bridge cover for D-visa applicants, Chancenkarte job-seekers and the gap between arrival and the first GKV payroll. Prices are per day, per age band and per chosen duration block. Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ## Which tariff for which visa? **Quick answer:** Use this matrix to map your visa type — Schengen, national D-visa, residence permit, family reunification, Chancenkarte — to the product and entry price most commonly used for each case. Your situation Recommended tariff From Schengen C-visa visit (≤ 90 days) [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) from €0.85/day (up to 92 days) National D-visa (1 day – 2 years) [Care Economy](/en/insurance-plans/care-economy/overview/) from €30 / 30 days (up to 2 years) Residence permit / Aufenthaltstitel (6 months – 5 years) [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) from €58/month (up to 5 years) EU Blue Card / skilled-worker hire [Care Expatriate (then GKV via employer)](/en/insurance-plans/care-expatriate/overview/) from €58/month (up to 5 years) Freelancer / self-employed (§ 21 AufenthG) [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) from €58/month (up to 5 years) Family reunification spouse / child / parent [Care Expatriate per family member](/en/insurance-plans/care-expatriate/overview/) from €58/month (up to 5 years) Chancenkarte job-seeker (opportunity card) [Care Economy](/en/insurance-plans/care-economy/overview/) from €30 / 30 days (up to 2 years) Not sure which fits? [Try the 30-second tariff finder](/en/tariffinder-germany/). Visa applicants from India (New Delhi, Mumbai, Chennai, Bengaluru), Pakistan (Islamabad, Karachi), Nigeria (Lagos, Abuja), the Philippines (Manila, Cebu), Turkey (Istanbul, Ankara, Izmir), Brazil (São Paulo, Rio de Janeiro), Indonesia (Jakarta), Vietnam (Hanoi), Egypt (Cairo) and Iran (Tehran) regularly use [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) for the Schengen visa appointment and [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) for the long-stay national D-visa and Aufenthaltstitel — both certificates are issued bilingually (German + English) and arrive by email within minutes, ready for the German embassy or consulate in the applicant's home country. Pricing is age-based, not nationality-based; the same daily premium applies worldwide. ## Step-by-step: from booking the embassy appointment to entry **Quick answer:** The standard visa-insurance flow takes one afternoon. Pick the right product, buy online, attach the bilingual certificate to the visa file, hand the same PDF to the Ausländerbehörde after arrival. 1. **Identify your visa type.** Schengen C-visa, national D-visa or residence permit — the choice of product follows directly. 2. **Apply online.** 5 minutes — name, date of birth, visa start date, requested duration. No medical questionnaire within policy terms. 3. **Receive the bilingual certificate.** The Krankenversicherungsnachweis (German + English) arrives by email within minutes. 4. **Submit at the embassy.** Upload the PDF to the visa portal or print and hand it in at the appointment together with the rest of the visa file. 5. **Enter Germany.** Cover starts on the agreed date. Carry the printed certificate at the border in case the officer asks. 6. **Anmeldung within 14 days.** Register at the Bürgeramt — book the slot the same day you sign the lease in Berlin, Munich or Hamburg. 7. **Ausländerbehörde appointment.** Hand the same bilingual certificate (or the new GKV Mitgliedsbescheinigung once the employer has enrolled you) under § 5 AufenthG. ## All visa & residence guides — 24 deep dives The complete library on every visa-proof question — grouped by topic so you can jump straight to the one that matches your file. ### Requirements & proof - → [Schengen health insurance requirements](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)€30,000 minimum cover, repatriation and validity area — what the Schengen visa demands. - → [Insurance proof for the German visa](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)What German embassies and the Ausländerbehörde want to see on the certificate. - → [€30,000 minimum cover — what does it mean?](/en/guide-health-insurance-germany/visa-residence-germany/minimum-cover-30000-euro-schengen-health-insurance-germany/)Regulation (EC) 810/2009 explained: why €30,000 is the floor and what falls short. - → [Required fields on the insurance policy](/en/guide-health-insurance-germany/visa-residence-germany/insurance-policy-required-fields-visa-germany/)Policy number, sum insured, validity area — the visa-applicant checklist. - → [Embassy insurance certificate — details](/en/guide-health-insurance-germany/visa-residence-germany/insurance-confirmation-certificate-for-embassy-details-germany/)Exactly which fields must appear so the consulate accepts the proof first time. ### Format & language of the proof - → [Original, PDF or printout — what counts?](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-original-pdf-printout-what-accepted-germany/)Which format the embassy accepts — and the format mistakes that trigger rejection. - → [German or English certificate?](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-german-english-embassy-authority-germany/)Which language the insurance proof must be in, depending on the embassy. ### Timing & validity - → [From when must the cover be valid?](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-from-when-valid-entry-germany/)Start date, entry date and validity period — when the cover must kick in. - → [Timing: buy cover before the visa appointment](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-before-visa-appointment-taking-out-timing-germany/)When to take out the policy — and why doing it late is a rejection cause. - → [Cover the entry-to-departure period correctly](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-period-entry-departure-correctly-cover-germany/)Which insurance period is right — common mistakes when stating the duration. - → [Visa appointment delayed — what to do?](/en/guide-health-insurance-germany/visa-residence-germany/visa-appointment-delayed-health-insurance-start-date-duration-germany/)Extend or rebook the policy — how that affects the embassy proof. ### Validity area & visa types - → [Coverage area: Schengen, EU or worldwide](/en/guide-health-insurance-germany/visa-residence-germany/coverage-area-health-insurance-germany-schengen-worldwide/)Which validity area applies to which visa — and what the embassy checks. - → [Multi-entry Schengen visa wording](/en/guide-health-insurance-germany/visa-residence-germany/schengen-health-insurance-multi-entry-multiple-trips-wording-germany/)How the cover must be worded for multiple entries within the visa period. - → [National D-visa: different requirements](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/)Why the D-visa needs broader insurance proof than the Schengen visa. - → [National D-visa vs Schengen visa](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-national-visa-difference-to-schengen-germany/)Differences in insurance obligation, scope of cover and required proof format. - → [Travel insurance vs residence insurance](/en/guide-health-insurance-germany/visa-residence-germany/travel-insurance-vs-residence-insurance-which-authorities-accept-germany/)When each fits — and why authorities check the difference. ### Problems & rejection prevention - → [Visa rejected because of insurance — common reasons](/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/)The five most frequent rejection reasons and how to avoid each one. - → [Insurance proof not accepted — immediate checklist](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-not-accepted-immediate-checklist-germany/)What to do when the embassy refuses the certificate. 6-point fast-fix plan. - → [Avoid rejection of the insurance proof](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)Proactive checklist — typical mistakes and how to bypass them on day one. ### After the visa is issued & residence permit - → [After visa issuance — change or extension](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-after-visa-issuance-change-extension-germany/)Next steps after a granted visa — entry, Anmeldung, switching insurance. - → [Proof after entry — Anmeldung & Ausländerbehörde](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-after-entry-registration-immigration-office-germany/)What to do after arrival — address registration and the office certificate. - → [Proof for residence permit & extension](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-residence-permit-extension-germany/)What the Ausländerbehörde requires for first issue and for extension. ### Special cases - → [Family reunification — insurance requirements & proofs](/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-family-reunification-requirements-proofs-germany/)Which insurance proof is required for spouses, children and parents. - → [Documents & checklist for the German visa](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)Every document at a glance so nothing is missing at the appointment. ## Glossary — visa & residence insurance terms **Quick answer:** Five terms appear in nearly every embassy appointment and Ausländerbehörde decision. Mastering them shortens the paperwork from days to one afternoon. Schengen visa (C-visa, EU 810/2009) Short-stay visa for up to 90 days within any 180-day period in the Schengen area. Article 15 of Regulation (EC) 810/2009 requires travel medical insurance with minimum cover of €30,000 including repatriation, valid across all Schengen states. National D-visa (long-stay) German national entry visa for stays beyond 90 days — students, employees (Blue Card), researchers, family reunification, freelancers. The German embassy expects insurance comparable to German cover for the whole requested visa period — travel insurance generally does not qualify. Aufenthaltstitel (residence permit) German residence permit issued by the Ausländerbehörde under the Aufenthaltsgesetz (AufenthG) after entry. § 5 AufenthG requires proof of adequate health insurance — Krankenversicherungsnachweis — for the entire requested permit period. Krankenversicherungsnachweis German-language proof of health insurance — the single document the Ausländerbehörde checks before deciding on the residence permit. Bilingual PDF (German + English) is the standard format that caseworkers accept. Ausländerbehörde Local immigration office that issues, extends or denies residence permits in Germany. Each city has its own — Berlin's is the Landesamt für Einwanderung (LEA); Munich operates via the Kreisverwaltungsreferat. ## Frequently asked questions — German visa & residence insurance ## Frequently Asked Questions What is the minimum health-insurance cover for a Schengen visa to Germany? At least €30,000 medical cover including medical repatriation, valid across all Schengen states (Article 15, Regulation (EC) 810/2009). Care Visa Protect from €0.85/day ships with a €50,000 benefit ceiling — well above the legal minimum — and the bilingual certificate arrives by email within minutes. Is travel insurance enough for a national D-visa? Care Economy from €30 per 30 days covers stays up to 2 years; Care Expatriate from €58/month is the standard product for residence permits of 6 months to 5 years. Generally no. For the long-stay national D-visa the German embassy expects an Incoming policy comparable to German cover — outpatient, inpatient and repatriation for the whole requested visa period. From when must the insurance be valid? The certificate must be on file at the visa appointment — most applicants buy 2 to 4 weeks earlier so they stay flexible if the appointment is rescheduled. At the latest from the planned date of entry. Care Visa Protect issues the certificate the same day the policy is bought. Which format does the German embassy accept as insurance proof? A bilingual PDF (German + English) showing the policy number, the sum insured (≥ €30,000), the validity area and the insurance period. Care Visa Protect ships exactly this format by email — ready to print and submit at the embassy or upload to the visa portal. What can I do if the German embassy rejects my insurance proof? The five most common rejection reasons are missing repatriation, cover below €30,000, wrong validity area, certificate in the wrong language, or end date before the requested visa period. Care Visa Protect (Schengen) and Care Economy (D-visa) are built to meet all five criteria automatically — and the certificate can be reissued free of charge if the embassy asks for a correction. Does the Ausländerbehörde accept Care Expatriate for the residence permit? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. Yes — as a rule. Care Expatriate is regularly recognised under § 5 AufenthG by German immigration offices as proof of health insurance for the Aufenthaltstitel, EU Blue Card, freelancer permit (§ 21 AufenthG) and family reunification visa. The bilingual certificate (German + English) issued after the online application is the document caseworkers expect to see. Individual case review applies; not legal advice. How long does it take to get the insurance certificate for a German visa? With Care Visa Protect, Care Economy or Care Expatriate the certificate is issued by email within minutes — typically 3 to 7 minutes after the online application. No medical questionnaire, no German bank account required. Print the PDF or upload it directly to the embassy visa portal. Do I need separate insurance for each family member under family reunification? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. Yes. Every family member named on the visa application — spouse, child, parent — needs a separate Krankenversicherungsnachweis. Care Expatriate per family member is the standard route; once the resident family member is on a German payroll, family GKV cover via the Krankenkasse usually replaces it. Caseworker discretion applies. How much does Schengen travel insurance for a German visa cost (e.g. from India, Nigeria, Philippines, Turkey, Pakistan or Brazil)? As a rule, from €0.85/day with Care Visa Protect. A typical 14-day visit to Germany comes to under €15 — well below the €30,000 Schengen minimum cover threshold. The same daily premium applies to applicants from India (New Delhi, Mumbai, Chennai), Pakistan (Islamabad), Nigeria (Lagos, Abuja), the Philippines (Manila), Turkey (Istanbul, Ankara) and Brazil (São Paulo) — pricing is age-based, not nationality-based. Individual case review applies. Is travel insurance mandatory for the German Schengen visa? Yes — the minimum cover is €30,000, must include medical repatriation, and must be valid in all Schengen states for the entire requested visa period. Care Visa Protect from €0.85/day meets every criterion automatically. Can I use my home-country health insurance (Indian, Turkish, Pakistani, Nigerian, Filipino or Brazilian) for a German visa? Generally no for a Schengen visa, because most home-country travel policies do not satisfy the EU 810/2009 validity-area and repatriation rules. For a long-stay national D-visa or a German residence permit, only insurance comparable to German cover qualifies under § 5 AufenthG — home-country travel insurance is typically rejected by the Ausländerbehörde. Care Visa Protect (Schengen) and Care Expatriate (D-visa, Aufenthaltstitel, EU Blue Card, family reunification) are the standard substitutes accepted at the embassy and immigration office. Caseworker discretion applies; not legal advice. Does the dependent or family-visa holder also need separate health insurance in Germany? Yes — Care Expatriate per family member is the standard route until the resident family member is on a German payroll and family GKV cover via the Krankenkasse (TK, AOK, Barmer, DAK-Gesundheit) becomes available. Individual case review applies; not legal advice. Country-specific: how does Care Visa Protect work for applicants from India, Pakistan, Nigeria, the Philippines, Turkey or Brazil? 85/day starting premium and receives the same bilingual Krankenversicherungsnachweis. Pricing for Care Visa Protect is age-based, not nationality-based — so an applicant filing in New Delhi, Islamabad, Lagos, Manila, Istanbul or São Paulo pays the same €0. The certificate is the document the German embassy or consulate expects regardless of whether the file is opened in India, Pakistan, Nigeria, the Philippines, Turkey or Brazil; the policy is underwritten by HanseMerkur and the PDF arrives by email within minutes. Individual case review by the caseworker still applies. Is travel insurance mandatory for the German Schengen visa? Quick reference for visa applicants Yes — Article 15 of EU Regulation 810/2009 makes travel medical insurance a legal precondition for every Schengen C-visa filed at a German embassy. The minimum cover is €30,000, the policy must include medical repatriation, and it has to be valid across all Schengen states for the full requested visa period. In practice the daily premium with Care Visa Protect runs from €0.85 to about €2.50 depending on the applicant's age (0–74 years), which works out to roughly €12 for a typical 14-day visit. We recommend Care Visa Protect because the bilingual PDF certificate is embassy-recognised, arrives by email within minutes and can be re-issued free of charge if the consulate asks for a correction. Long-stay visas: which product matches the EU Blue Card, Chancenkarte, freelancer, dependent, student, working-holiday or jobseeker visa? For the EU Blue Card and the dependent (family-reunification) visa, Care Expatriate is the standard route — it covers residence permits from 6 months to 5 years. The Chancenkarte (opportunity card) and the jobseeker visa instead use Care Economy as a short bridge until employment starts and statutory cover with a Krankenkasse such as TK, AOK, Barmer or DAK-Gesundheit kicks in. Freelancer permits under § 21 AufenthG and family-reunification permits under § 28 AufenthG also default to Care Expatriate. Matriculated degree students under 30 take the DAK-Gesundheit statutory student tariff, while over-30 or GKV-exempt students use Care Student; language-school and Studienkolleg applicants take Care College. Working-holiday visas typically run for 12 months on Care Economy. Caseworker discretion applies. Multi-entry Schengen visas and residence-permit extensions — what wording does the certificate need? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. For a multi-entry Schengen visa, the certificate has to state that the €30,000 medical cover and repatriation apply to every individual entry within the visa's validity period — not only to the first trip. Care Visa Protect ships exactly this wording on the bilingual PDF by default. When extending a residence permit, the Ausländerbehörde wants a § 5 AufenthG insurance certificate covering the full requested extension period; Care Expatriate's renewal certificate is the document caseworkers expect to see at the extension appointment. Travel insurance vs residence insurance — what is the difference for Germany? Travel insurance (Reisekrankenversicherung) is meant for short tourist trips and satisfies the Schengen visa rule under EU Regulation 810/2009. Mixing up travel insurance and residence insurance is the single most expensive mistake in a German visa file. Residence insurance (Auslandskrankenversicherung) is the longer-term Incoming policy that the national D-visa and any Aufenthaltstitel actually require. Submitting a tourist policy at an Ausländerbehörde appointment is a textbook rejection — caseworkers refuse the file and the next embassy slot is typically 4 to 8 weeks out. The clean split is therefore: Care Visa Protect for Schengen visits, Care Economy as the D-visa bridge for medium stays, and Care Expatriate for long-term residence permits. What does the bilingual embassy certificate (Krankenversicherungsnachweis) actually have to show? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. The bilingual PDF (German + English) must list the insured person, the policy number, the sum insured (≥ €30,000), the validity area (Schengen, EU or worldwide), the insurance period and the medical-repatriation clause. That format is the version that clears both the consulate visa portal and the Ausländerbehörde counter. The label on the document can vary — embassies often head it Krankenversicherungsnachweis and immigration offices use Versicherungsnachweis zum Aufenthaltstitel — but the underlying document is identical. Care Visa Protect, Care Economy and Care Expatriate all ship the same bilingual certificate, so a single file works at the embassy and later at the immigration office. After entry — Anmeldung, the residence permit and family reunification Proof of insurance under § 5 AufenthG must then be on file at the Ausländerbehörde before the Aufenthaltstitel can be issued. After entry, the address registration (Anmeldung) at the local Bürgeramt has a 14-day deadline under the Bundesmeldegesetz; that step in turn unlocks the Mitgliedsbescheinigung from the Krankenkasse that the residence-permit file needs. Family reunification cover is always per person under § 28 AufenthG — every spouse, child or parent on the visa needs an individual Krankenversicherungsnachweis. Care Expatriate scales per family member, and once the resident relative is on a German payroll, statutory family cover via the Krankenkasse usually takes over. ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 31, 2026** SourcesRegulation (EC) 810/2009 · § 5 AufenthG · Bundesmeldegesetz § 17 · Federal Foreign Office · BAMF · HanseMerkur GTC · Care Concept AG · DKG hospital statistics 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for the embassy appointment? Pick your plan. [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. [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: August 31, 2026.