Insurance confirmation certificate for the German embassy — required details
The embassy does not check a marketing quote; it checks the final certificate PDF in the visa file.
The safe certificate shows the passport name, validity dates, medical cover, territorial scope, insurer details and policy number.
For Schengen appointments, the repatriation wording and Schengen-wide scope are the fields to check twice before printing.
- Schengen certificate: Care Visa Protect from €0.85/day (up to 92 days) (EU Reg. 810/2009 · min. €8.50 · ≤ 92 days)
- D-visa bridge certificate: Care Economy from €30 / 30 days (up to 2 years) (national D-visa bridge · ≤ 2 years)
- Long-stay certificate: Care Expatriate from €58/month (up to 5 years) (long-stay residence proof · up to 5 years)
Three checks before you hand the certificate to the German embassy:
- 1Passport name first: the certificate should match the passport spelling before you print it.
- 2Dates cover the requested stay: the PDF should not start after the planned entry date or end before the requested stay ends.
- 3Schengen wording is explicit: Care Visa Protect from €0.85/day (up to 92 days) is the focused lane when the embassy asks for Schengen-wide cover and repatriation wording.
Not sure which certificate lane fits the appointment? 30-second tariff finder →
Inside: why a quote screenshot can fail although the tariff itself is correct · the single field that often separates a Schengen certificate from a Germany-only proof · how to spot date gaps before the embassy officer does
Sources: EU Regulation 810/2009 · Auswärtiges Amt · BAMF · HanseMerkur Care Visa Protect AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate 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
Over 10,000 policies issued · Since 2009
Need an embassy-ready Schengen certificate? Care Visa Protect from €0.85/day (up to 92 days) issues the German + English PDF by email.
Quick check — does your embassy certificate contain the six core fields?
Embassy certificate — the seven rules the German consulate checks
Quick answer: "What information must the embassy insurance certificate contain?" — These seven rules cover the fields the German consulate verifies before stamping the visa file. All seven apply to Schengen and national D-visa appointments alike.
- Bring the FINAL certificate PDF — a non-binding quote screenshot is not accepted at the German embassy
- Passport name on the certificate matches the passport spelling exactly (middle names, character order)
- Validity period covers the requested stay — start = embassy-recorded entry date, end ≥ requested stay end
- Schengen files: minimum medical cover and repatriation wording per EU Reg. 810/2009
- Territorial scope: all Schengen states for C-visa; Germany for national D-visa under § 5 AufenthG
- Insurer name, contact and policy/certificate number visible — lets the consulate verify the contract
- Re-issue is free while the original start date is still in the future — call Care Concept the same day if the slot moves
What should the certificate show before the embassy appointment?
Quick answer: The German embassy file should contain the final insurance certificate, not just a quote. Check the six core fields and add the Schengen repatriation clause when the appointment is for a Schengen visa.
Full name
Must match the passport spelling, including middle names and character order.
Validity period
Start and end date must cover the stay requested in the visa file.
Medical cover amount
For Schengen visas, the certificate should show at least €30,000 medical cover.
Territorial scope
Schengen files usually need Schengen-wide validity, not only Germany.
Insurer name and contact
The embassy file should identify the insurer clearly enough for verification.
Policy or certificate number
A contract or policy number lets the consulate match the PDF to the insurance contract.
Common certificate mistakes that delay German visa files
- Name mismatch: missing middle name, changed order or character mismatch against the passport.
- Wrong period: the policy starts after planned entry or ends before the requested stay ends.
- Unclear territory: a Schengen file shows only Germany, or the wording does not clearly include the Schengen states.
- Missing repatriation wording: important for Schengen files under EU Regulation 810/2009.
- Quote instead of certificate: a non-binding offer can leave the embassy file incomplete.
Which certificate lane fits the German embassy file?
Schengen embassy certificate
Care Visa Protect from €0.85/day (up to 92 days): Schengen-focused certificate with medical cover, repatriation wording and Schengen territorial scope. Full age rates are shown in the table below.
Open Care Visa Protect →National D-visa bridge certificate
Care Economy from €30 / 30 days (up to 2 years): day-precise Incoming cover for bridge periods before GKV or a long-stay product starts. Exact rates depend on duration, entry age and deductible and are shown below.
Open Care Economy →Long-stay residence certificate
Care Expatriate from €58/month (up to 5 years): long-stay Incoming proof for residence-permit files when statutory cover is not yet available. Exact age and tier prices are shown below.
Open Care Expatriate →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.
Certificate incomplete? The appointment may not move forward
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.
Appointment soon? Download, print and check the final PDF today
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 online application to embassy-ready certificate — in 5 checks
Check the embassy website first — format and language can differ by consulate.
Choose the correct lane: Schengen certificate, D-visa bridge or long-stay residence proof.
Enter the passport name exactly and set the certificate start date to the planned entry date.
Download the German + English PDF and compare all six fields before the appointment.
Print the PDF and keep a digital copy in case the consulate asks for a resend.
Schengen-ready in 3 steps
Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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Submit your proof
Receive the PDF certificate after successful online application and submit it with your visa or authority documents.
What visa applicants say about embassy-ready insurance certificates
“My biggest worry was that the embassy wouldn't accept the insurance.
The proof was accepted immediately — no questions asked.
That saved me a lot of stress.”
Georges
Cameroon
“I needed proof of insurance urgently for my visa appointment.
The confirmation arrived within minutes by email.
Everything worked first time at the embassy.”
Olga
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“The online sign-up was done in just a few minutes.
When I actually had to see a doctor, the billing went smoothly.
I was really covered — not just on paper.”
Yunhee
Australia
Now choose your plan
Recommended tariffs with embassy certificate PDFs
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
→ Complete the application, receive your instant PDF, submit your proof
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
→ Complete the application, receive your instant PDF, submit your proof
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
→ Complete the application, receive your instant PDF, submit your proof
For the full overview of visa & residence topics see the visa & residence hub.
Full price tables — certificate lanes by visa use case
Quick answer: Summary CTAs show only registry base prices. Age, duration, deductible and tier details are shown in these shared price tables.
Schengen certificate — Care Visa Protect
| 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.
D-visa bridge certificate — Care Economy
| Care Economy Duration |
Bestsellerup to 64
|
up to 64
|
Bestseller65+
|
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.
Long-stay residence certificate — Care Expatriate
| Care Expatriateworldwide without USA, Canada and Mexico |
Basic
|
BestsellerComfort
|
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.
FAQ — Insurance certificate for the German embassy
What information must a health-insurance certificate contain for a German embassy?
The core fields are passport-matching name, validity period, medical cover amount, territorial scope, insurer details and policy number. For Schengen visas, the certificate should also show medical repatriation and at least €30,000 medical cover.
Is a PDF printout enough for the German visa appointment?
Often yes, but format rules differ by consulate. Check the website of your German mission before the appointment and bring both a printed PDF and a digital copy.
Which tariff gives the fastest embassy-ready certificate?
For Schengen files, Care Visa Protect is the focused certificate lane from €0.85/day (up to 92 days). For national D-visa bridge periods use Care Economy; for long-stay residence-permit proof use Care Expatriate.
Over 10,000 policies issued · Since 2009