Insurance policy for the German visa — what must appear on the certificate
Seven required fields appear on the certificate: insured person (name + DOB), start + end date, €30,000 minimum cover, explicit repatriation, territorial scope, insurer details, bilingual wording.
Repatriation must be in plain text on the certificate — "see AVB" references are refused at most German consulates.
A single bilingual PDF (German + English) replaces separate translation pages and is delivered by email within minutes.
- Schengen (all required fields): Care Visa Protect from €0.85/day (up to 92 days) (≤ 92 days · bilingual PDF)
- D-visa bridge: Care Economy from €30 / 30 days (up to 2 years) (national D-visa · ≤ 2 years)
- Long stay: Care Expatriate from €58/month (up to 5 years) (residence permit · up to 5 years)
Three rules about the policy fields the German consulate actually checks:
- 1Name spelled exactly as in the passport: Care Visa Protect from €0.85/day (up to 92 days) re-issues the bilingual PDF before the start date at no extra cost if a typo is spotted.
- 2Repatriation in plain text on the certificate: references to the AVB ("see general terms") are refused by most German embassies — the wording must be on the PDF itself.
- 3Bilingual PDF on a single page: German + English on the same certificate — separate translation pages are not accepted at most posts.
Need a certificate that ticks all seven required fields? 30-second tariff finder →
Inside: the one wording line embassies look for to confirm repatriation is actually included · why a Germany-only territorial scope gets a Schengen file refused at intake · how a single bilingual PDF replaces separate translation pages (no notary, no extra €50–150 cost)
Sources: EU Regulation 810/2009 (Art. 15) · Auswärtiges Amt · BAMF · HanseMerkur Care Visa Protect AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · Care Concept AG
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Need a certificate with all seven required fields? Care Visa Protect from €0.85/day (up to 92 days) delivers the bilingual PDF by email within minutes.
Insurance policy — the seven required fields German embassies check
Quick answer: "Which fields must appear on the insurance certificate for a German visa, and does repatriation have to be on the PDF?" — These seven rules cover the policy-field policy German consulates apply at intake.
- Full name and date of birth of the insured person — exactly as in the passport (no nicknames, no transliteration drift)
- Start and end date of cover — covering the FULL requested visa period including any embassy buffer days
- Minimum cover of €30,000 for medical emergencies and hospitalisation per EU Reg. 810/2009 Art. 15
- Explicit inclusion of medical repatriation and emergency evacuation — the wording must appear in plain text
- Territorial scope: 'all Schengen states' for Schengen visas, or 'Germany + Schengen' for national D-visas
- Insurer name + EU/Germany licence reference + policy number — embassies cross-check the issuer
- Bilingual wording (German + English) on the same PDF — separate translation pages are not accepted at most posts
Three recognised lanes — Schengen, D-visa bridge, long stay
Lane 1 — Schengen visa (≤ 92 days, all required fields)
Care Visa Protect from €0.85/day (up to 92 days); full age and duration rates are shown in the official table below. Bilingual PDF with all seven required fields, repatriation in plain text, all Schengen states, day-precise start date — re-issuable before the start at no extra cost.
Lane 2 — National D-visa bridge (multi-month period)
Care Economy from €30 / 30 days (up to 2 years); exact daily rates depend on duration, entry age and deductible — shown in the official table below. Bridges between visa stamp and statutory cover (GKV) or a long-stay private lane. Up to 2 years per contract, all required fields on the bilingual PDF.
Lane 3 — Long-stay residence permit (up to 5 years)
Care Expatriate from €58/month (up to 5 years); exact age and tier prices are shown in the official table below. Worldwide scope including the home country, premium fixed at entry age, up to 5 years per contract — designed for multi-year residence permits without GKV access. Repatriation included in plain text.
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.
Three blocks of required fields — what the certificate must show in each block
Block A — Insured person
Required: Full legal name + date of birth + (where issued) passport number, matching the visa application 1:1.
Risk: Name spelled differently than in the passport → certificate refused at intake; no second-chance.
Recognised lane: Care Visa Protect — bilingual PDF re-issuable before the start date at no extra cost if a typo is spotted.
Block B — Period + scope
Required: Start ≤ entry date, end ≥ departure date (with embassy buffer), territorial scope explicitly stated.
Risk: Period one day short or scope limited to Germany only → Schengen application refused.
Recognised lane: Care Visa Protect for Schengen day-precise; Care Economy as the multi-month D-visa bridge.
Block C — Cover + insurer
Required: €30,000 minimum medical cover, repatriation in plain text, insurer name + licence + policy number.
Risk: Repatriation only mentioned in the AVB but not on the certificate → many embassies refuse.
Recognised lane: Care Expatriate — repatriation included in plain text, premium fixed at entry age, up to 5 years.
One missing field on the certificate? The German embassy refuses the file at intake
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 soon? Get the bilingual PDF with all required fields 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 quote to embassy-ready certificate — in 3 steps
10 minutes online. Lane (Schengen / D-visa bridge / long stay) pre-filled. Bilingual PDF certificate (German + English) with all seven required fields by email within minutes — re-issuable at no extra cost while the start date is still in the future.
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 applicants say about Care Visa Protect for embassy-ready bilingual 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
Recognised lanes — Schengen, D-visa bridge, long stay
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 — Care Visa Protect, Care Economy, Care Expatriate
Quick answer: Summary CTAs show registry base prices only. Exact age, duration and deductible rates are shown in the official tables below.
Schengen (≤ 92 days) — 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.
National D-visa bridge — Care Economy (1 day–2 years)
| 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 permit — Care Expatriate (up to 5 years)
| 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 — Required fields on the German visa insurance certificate
Frequently Asked Questions
Which fields must appear on the insurance certificate for a German visa?
The seven required fields are: full name + date of birth, start and end date of cover, €30,000 minimum medical cover per EU Reg. 810/2009 Art. 15, explicit medical repatriation, territorial scope (all Schengen states), insurer name + licence + policy number, and bilingual German + English wording. <a href="/en/insurance-plans/care-visa-protect/overview/" class="text-primary underline underline-offset-2">Care Visa Protect from €0.85/day (up to 92 days)</a> ships a bilingual PDF with all seven fields by default.
Does repatriation have to be written on the certificate or is the AVB enough?
Repatriation has to appear in plain text on the certificate. Most German embassies do not accept "see general terms" references and refuse the application at intake. <a href="/en/insurance-plans/care-economy/overview/" class="text-primary underline underline-offset-2">Care Economy from €30 / 30 days (up to 2 years)</a> includes the repatriation wording on the certificate for D-visa bridge periods up to 2 years.
What if the territorial scope is 'Germany only' instead of 'all Schengen states'?
For a Schengen visa the certificate has to state "all Schengen states" — a Germany-only scope is refused. For long-stay national D-visas without GKV access, switch to <a href="/en/insurance-plans/care-expatriate/overview/" class="text-primary underline underline-offset-2">Care Expatriate from €58/month (up to 5 years)</a> (worldwide scope, up to 5 years per contract). Not sure which lane fits? Try the <a href="/en/tariffinder-germany/" class="text-primary underline underline-offset-2">30-second tariff finder</a>.
Over 10,000 policies issued · Since 2009