--- title: "From €30/30 days · National D-visa insurance Germany 2026" description: "Health insurance for the national D-visa (nationales Visum) in Germany: § 5 AufenthG requirements, embassy + Ausländerbehörde proof, recognised lanes from €30/30 days." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": 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Germany checklist", "description": "Health insurance for the national D-visa (nationales Visum) in Germany: § 5 AufenthG requirements, embassy + Ausländerbehörde proof, recognised lanes from €30/30 days.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-06", "dateModified": "2026-09-03", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Schengen Area", "url": "https://en.wikipedia.org/wiki/Schengen_Area" }, { "@type": "Thing", "name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Visa & Residence Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/" }, { "@type": "ListItem", "position": 4, "name": "National Visa (D-Visa) for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What are the health insurance requirements for a national D visa in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Cover valid in Germany from day 1 of entry, matching the full stay duration under § 5 AufenthG. Care Expatriate from €58/month (ages 13–40), €246/month (61–74) is accepted. Travel and Schengen policies are rejected for D visas." } }, { "@type": "Question", "name": "Does the D visa insurance need to be from a German insurer?", "acceptedAnswer": { "@type": "Answer", "text": "German insurers (HanseMerkur / Care Expatriate from €58/month) issue German-language certificates with the § 5 AufenthG confirmation clause that all embassies and Ausländerbehörden recognise. Not mandatory, but strongly preferred." } }, { "@type": "Question", "name": "How long must D visa insurance be valid for the appointment?", "acceptedAnswer": { "@type": "Answer", "text": "At least the full requested visa duration — typically 6–12 months minimum. Care Expatriate runs 1–60 months from €58/month and is renewable in-country. Same-day PDF issuance." } }, { "@type": "Question", "name": "Is voluntary GKV acceptable for a national D visa?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month is the practical pre-arrival choice. Yes, if a Krankenkasse (e. g. DAK-Gesundheit) confirms membership. But foreign residents rarely qualify for voluntary GKV before entry." } }, { "@type": "Question", "name": "Does the German embassy accept EHIC or travel insurance for a D visa?", "acceptedAnswer": { "@type": "Answer", "text": "No — travel policies (ADAC, Allianz Travel) are excluded under § 5 AufenthG for stays over 90 days. EHIC is for temporary EU visits only. Only Incoming tariffs like Care Expatriate (from €58/month) or GKV qualify." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What are the health insurance requirements for a national D visa in Germany?", "text": "What are the health insurance requirements for a national D visa in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Cover valid in Germany from day 1 of entry, matching the full stay duration under § 5 AufenthG. Care Expatriate from €58/month (ages 13–40), €246/month (61–74) is accepted. Travel and Schengen policies are rejected for D visas.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the D visa insurance need to be from a German insurer?", "text": "Does the D visa insurance need to be from a German insurer?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "German insurers (HanseMerkur / Care Expatriate from €58/month) issue German-language certificates with the § 5 AufenthG confirmation clause that all embassies and Ausländerbehörden recognise. Not mandatory, but strongly preferred.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long must D visa insurance be valid for the appointment?", "text": "How long must D visa insurance be valid for the appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "At least the full requested visa duration — typically 6–12 months minimum. Care Expatriate runs 1–60 months from €58/month and is renewable in-country. Same-day PDF issuance.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is voluntary GKV acceptable for a national D visa?", "text": "Is voluntary GKV acceptable for a national D visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month is the practical pre-arrival choice. Yes, if a Krankenkasse (e. g. DAK-Gesundheit) confirms membership. But foreign residents rarely qualify for voluntary GKV before entry.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the German embassy accept EHIC or travel insurance for a D visa?", "text": "Does the German embassy accept EHIC or travel insurance for a D visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — travel policies (ADAC, Allianz Travel) are excluded under § 5 AufenthG for stays over 90 days. EHIC is for temporary EU visits only. Only Incoming tariffs like Care Expatriate (from €58/month) or GKV qualify.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-requirements-national-d-visa-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Economy — D-visa bridge, PDF in minutes from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Visa & Residence Germany](/en/guide-health-insurance-germany/visa-residence-germany/) 4. National Visa (D-Visa) for Germany Most national D-visa rejections at the German embassy are not about €30,000 coverage — they are about gap days between the embassy-recorded entry date and the residence-permit handover at the Ausländerbehörde. The certificate must run uninterrupted from day 1. # Health insurance for the national D-visa – Germany checklist 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![National D-visa for Germany — passport, embassy certificate and the residence-permit handover at the Ausländerbehörde](/assets/visum-fuer-deutschland-schengen-BlAIXY3l.jpg) - [D-visa bridge: Care Economy from €30 / 30 days (up to age 64) · from about €88.50 / 30 days (ages 65 and over)](/en/insurance-plans/care-economy/overview/) (§ 5 AufenthG · ≤ 2 years) - [Long-stay lane: Care Expatriate from €58/month (13–40) · up to €432/month (61–74, Premium)](/en/insurance-plans/care-expatriate/overview/) (§ 5 AufenthG · up to 5 years) - [Schengen entry-phase: Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/) (EU Reg. 810/2009 · ≤ 92 days) \> 90 days D-visa, not Schengen Germany scope § 5 AufenthG No gap days Entry → permit Three rules every national D-visa applicant for Germany should know about the insurance proof: 1. 1 **Stay > 90 days = D-visa, not Schengen:** Under § 5 AufenthG the geographic scope on the certificate must include Germany for the full visa period — [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) is the standard D-visa bridge. 2. 2 **No gap days entry → residence permit:** The certificate must start on the embassy-recorded entry date and run uninterrupted to the residence-permit handover at the Ausländerbehörde (typically 3–6 weeks after entry). 3. 3 **Plan to stay > 12 months? Lock entry-age premium:** [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) fixes the premium at your entry age — up to 5 years, accepted at every Ausländerbehörde. D-visa for 6, 12 or 24 months — which lane fits your category? [30-second tariff finder →](/en/tariffinder-germany/) Inside: why a perfectly priced Schengen policy is refused for a 12-month language-course D-visa · the gap-day rule that costs most D-visa applicants a re-booked appointment · when to enter Care Expatriate from day one instead of starting on Care Economy Sources: § 5 AufenthG · AufenthV · BAMF · Auswärtiges Amt · EU Regulation 810/2009 · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · HanseMerkur Care Visa Protect AVB · Care Concept AG 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 ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 3, 2026** Sources§ 5 AufenthG · AufenthV · BAMF · Auswärtiges Amt · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## National D-visa cover — bridge from €30 / 30 days, accepted at every German consulate and Ausländerbehörde. [Care Economy (D-visa bridge · ≤ 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate (long-stay · up to 5 years) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - The national D-visa (nationales Visum) is for any planned stay in Germany of more than 90 days — language courses, university, freelancer permit, family reunion, job-seeker (Chancenkarte), au-pair. Under § 5 AufenthG the embassy must see 'sufficient' health insurance covering Germany for the entire requested visa period — typically 3 to 12 months at the embassy stage, then renewed inside Germany at the Ausländerbehörde for the residence permit (up to 5 years). - Three recognised lanes by stay length: Care Economy as the standard D-visa bridge from €30 / 30 days (ages up to 64) and from about €88.50 / 30 days (ages 65 and over) — up to 2 years per contract, in German + English by email; Care Expatriate as the long-stay lane for residence permits beyond 12 months from €58/month at entry age 13–40 and up to €432/month at entry age 61–74 (Premium tier) — up to 5 years, premium fixed at the entry age; Care Visa Protect only for the Schengen entry-phase before the D-visa is issued (€0.85/day for up to age 64, €2.60/day for 65–74). - Most rejections at the German embassy are not about coverage amount — they are about gap days. The certificate must start on the embassy-recorded entry date and run uninterrupted to the residence-permit handover at the Ausländerbehörde (typically 3–6 weeks after entry). Care Economy and Care Expatriate are issued in PDF (German + English) within minutes and accepted by every German consulate worldwide. Key facts at a glance Reviewed September 3, 2026 - **National D-visa proof under § 5 AufenthG:** The German embassy must see 'sufficient' health insurance covering Germany for the entire requested visa period. In practice the same €30,000 floor as Schengen applies, but scope must include Germany and duration must match the residence permit. Care Economy from €30 / 30 days (up to age 64) bridges every standard D-visa category. (Source: § 5 AufenthG · HanseMerkur Care Economy AVB). - **Long-stay residence permit (>12 months):** Care Expatriate is the recognised long-term lane: from €58/month at entry age 13–40, up to €432/month at entry age 61–74 (Premium tier). Up to 5 years per contract; premium fixed at the entry age. Insurer is HanseMerkur Reiseversicherung AG (Hamburg) — accepted by every Ausländerbehörde under § 5 AufenthG. (Source: HanseMerkur Care Expatriate AVB · § 5 AufenthG). - **Schengen entry-phase before D-visa is issued (rare):** Only used when a Schengen C-visa is the entry vehicle and the D-visa is converted inside Germany. Care Visa Protect at €0.85/day (up to age 64) and €2.60/day (65–74) — minimum €8.50 premium — covers the entry phase under EU Reg. 810/2009. (Source: EU Regulation 810/2009 · HanseMerkur Care Visa Protect AVB). ## National D-visa insurance proof — the six rules the embassy and Ausländerbehörde check **Quick answer:** "What does the German embassy want to see for a national D-visa?" — Six fields are checked: stay > 90 days framed as D-visa under § 5 AufenthG, geographic scope including Germany, validity covering entry through residence-permit handover (no gap days), €0 self-pay on the certificate, EU/EEA-admitted insurer, certificate in German + English. Care Economy and Care Expatriate are pre-formatted to all six. - Stay > 90 days → national D-visa under § 5 AufenthG (not Schengen) - Geographic scope on the certificate must include Germany for the full visa period - Validity period covers entry date through residence-permit handover (no gap days) - €0 self-pay shown on the certificate — AVB deductible is accepted, on-certificate excess is not - Insurer must be EU/EEA-admitted (HanseMerkur Reiseversicherung AG, Hamburg, qualifies) - Certificate in German + English — single-language local versions are routinely refused ## Three lanes — D-visa bridge, long-stay residence permit, and Schengen entry-phase Lane 1 / 3 ### Lane 1 — D-visa bridge (1–24 months): Care Economy The standard D-visa lane for language courses, Studienkolleg, job-seeker (Chancenkarte), au-pair and family-visit categories. From €30 / 30 days for ages up to 64 and from about €88.50 / 30 days for ages 65 and over. Up to 2 years per contract. Insurer is HanseMerkur Reiseversicherung AG (Hamburg). PDF certificate in German + English by email — accepted at every German consulate and at the Ausländerbehörde under § 5 AufenthG. **Need:** Care Economy · § 5 AufenthG · ≤ 2 years [Care Economy from €30 / 30 days →](/en/insurance-plans/care-economy/overview/) Lane 2 / 3 ### Lane 2 — Long-stay residence permit (≤ 5 years): Care Expatriate For freelancer permits (§ 21 AufenthG), employment, family reunion (§ 28/§ 30/§ 36 AufenthG) and other long-stay residence titles. From €58/month at entry age 13–40 and up to €432/month at entry age 61–74 (Premium tier). Up to 5 years per contract; premium fixed at the entry age. PDF certificate in German + English — accepted at every Ausländerbehörde under § 5 AufenthG. **Need:** Care Expatriate · § 5 AufenthG · up to 5 years [Care Expatriate from €58/month →](/en/insurance-plans/care-expatriate/overview/) Lane 3 / 3 ### Lane 3 — Schengen entry-phase only: Care Visa Protect Use this only if you are entering Germany on a Schengen C-visa first and converting to a national D-visa inside Germany (rare). €0.85/day for ages up to 64 and €2.60/day for age 65 and over — minimum €8.50 premium, EU Reg. 810/2009 compliant, valid in all Schengen states. Switch to Care Economy or Care Expatriate the day the D-visa is issued. **Need:** Care Visa Protect · EU Reg. 810/2009 · ≤ 92 days [Care Visa Protect from €0.85/day →](/en/insurance-plans/care-visa-protect/overview/) ## Avoid the mistakes that can delay your application ### Schengen proof missing? For short Schengen stays, choose insurance that meets the €30,000 minimum-coverage requirement. ### Short stay or longer stay? Care Visa Protect fits many 1–92 day Schengen visits; Care Economy may fit longer or more flexible stays. ### Wrong insurance can cost time Before your embassy appointment, check that the proof matches your visa type, dates and destination. ### Multiple entries planned? If you travel more than once, check the multiple-entry option and the annual day limit before applying. ## What happens if the D-visa proof has gap days — appointment refused, 4–12 week re-booking ## 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. 🇪🇺 €30,000 minimum Schengen proof must be clear Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Embassy appointment booked? Get the D-visa certificate today — start date can be moved ## Why act before the embassy appointment Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits. 📅 Appointments can be limited If the proof is missing or unsuitable, preparing corrected documents can cost valuable time. ⚡ PDF certificate after application Care Visa Protect provides the certificate by email after successful online application. 🛡️ €30,000 minimum coverage Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area. 💶 From €0.85/day Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip. ## From quote to D-visa-ready PDF — in 3 steps 10 minutes online. § 5 AufenthG template pre-filled. PDF certificate in German + English by email within minutes — accepted at every German consulate worldwide and at the Ausländerbehörde for the residence-permit handover. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What national D-visa applicants say about Care Economy 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/) ## Recognised lanes — D-visa bridge (primary), long-stay residence permit, Schengen entry-phase 📘 D-visa bridge · up 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 🛡 Long-stay D-visa · up 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 ✈️ Schengen entry-phase · ≤ 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 For the full overview of visa & residence topics see the [visa & residence hub](/en/guide-health-insurance-germany/visa-residence-germany/). ## Full price tables — Care Economy (bridge), Care Expatriate (long-stay), Care Visa Protect (entry-phase) **Quick answer:** Care Economy bridges D-visa periods from €30 / 30 days (up to age 64) and from about €88.50 / 30 days (ages 65 and over). Care Expatriate is the long-stay lane from €58/month at entry age 13–40 and up to €432/month at entry age 61–74 (Premium). Care Visa Protect covers the Schengen entry-phase at €0.85/day (0–64) and €2.60/day (65–74) — minimum €8.50 premium. ### D-visa bridge — Care Economy (1 day–2 years) 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/) ### Long-stay lane — Care Expatriate (residence permit, up to 5 years) Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ### Schengen entry-phase — Care Visa Protect (≤ 92 days) Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ## FAQ — National D-visa, embassy proof and which lane fits your category ## Frequently Asked Questions What are the health insurance requirements for a national D visa in Germany? Cover valid in Germany from day 1 of entry, matching the full stay duration under § 5 AufenthG. Care Expatriate from €58/month (ages 13–40), €246/month (61–74) is accepted. Travel and Schengen policies are rejected for D visas. Does the D visa insurance need to be from a German insurer? German insurers (HanseMerkur / Care Expatriate from €58/month) issue German-language certificates with the § 5 AufenthG confirmation clause that all embassies and Ausländerbehörden recognise. Not mandatory, but strongly preferred. How long must D visa insurance be valid for the appointment? At least the full requested visa duration — typically 6–12 months minimum. Care Expatriate runs 1–60 months from €58/month and is renewable in-country. Same-day PDF issuance. Is voluntary GKV acceptable for a national D visa? Care Expatriate from €58/month is the practical pre-arrival choice. Yes, if a Krankenkasse (e. g. DAK-Gesundheit) confirms membership. But foreign residents rarely qualify for voluntary GKV before entry. Does the German embassy accept EHIC or travel insurance for a D visa? No — travel policies (ADAC, Allianz Travel) are excluded under § 5 AufenthG for stays over 90 days. EHIC is for temporary EU visits only. Only Incoming tariffs like Care Expatriate (from €58/month) or GKV qualify. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for your D-visa appointment? Get the recognised certificate now. [Care Economy (D-visa bridge · ≤ 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate (long-stay · up to 5 years) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 3, 2026.