Insurance proof for the German visa — required fields, format and recognised tariffs
- Schengen lane: Care Visa Protect from €0.85/day (0–64) · €2.60/day (65–74) (EU Reg. 810/2009 · min. €8.50 · ≤ 92 days)
- D-visa bridge: Care Economy from €30 / 30 days (0–49) · €50–125 / 30 days (50+) (§ 5 AufenthG · ≤ 2 years)
- Long-stay lane: Care Expatriate from €58/month (18–29) · up to €432/month (61–74, Premium) (§ 5 AufenthG · up to 5 years)
Three rules every visa applicant in Germany should know about the insurance proof:
- 1Match the lane to the visa type: Care Visa Protect from €0.85/day (up to 92 days) for Schengen C-visas; Care Economy for D-visa bridges; Care Expatriate for long-stay residence permits. Mixing them is the most common rejection reason.
- 2No on-certificate excess: Deductibles in the AVB are fine; an excess shown on the certificate itself is rejected. Care Visa Protect prints €0 self-pay at point of treatment by default — no edits needed.
- 3Bring the PDF AND a printed copy: Most consulates accept the PDF by email; a few posts still want a stamped colour printout. Care Economy from €30 / 30 days (up to 2 years) is the standard bridge for D-visa categories.
Schengen, D-visa or long-stay — which lane fits your visa category? 30-second tariff finder →
Inside: the single field most embassies reject first — and how to spot it before the appointment · why a low-cap travel policy is refused under § 5 AufenthG even when it shows €30,000 on the front page · the format rule that turns a perfectly priced certificate into a four-week re-booking
Sources: EU Regulation 810/2009 · § 5 AufenthG · BAMF · Auswärtiges Amt · 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
Embassy-ready insurance proof — Schengen visa from €0.85/day, accepted at every German consulate worldwide.
Insurance proof for the German visa — the six rules the consulate actually checks
Quick answer: "What does the German embassy want to see on the insurance certificate?" — Seven fields are checked on every appointment: insured name (matches passport), exact validity period (covers entry to expected return), geographic scope (all Schengen states for C-visa, Germany for D-visa), ≥ €30,000 medical cover, repatriation clause, no on-certificate excess, EU/EEA-admitted insurer. Care Visa Protect, Care Economy and Care Expatriate are pre-formatted to all seven fields.
- Insured name on the certificate must match the passport exactly — including transliteration
- Validity period covers the entire stay (Schengen: full trip; D-visa: full residence permit length)
- Geographic scope: all Schengen states for C-visa; Germany for national D-visa
- Minimum medical cover ≥ €30,000 (EU Reg. 810/2009) plus repatriation clause for medical & remains
- Certificate shows €0 self-pay at point of treatment — AVB deductible is accepted, on-certificate excess is not
- Insurer must hold EU/EEA admission — HanseMerkur Reiseversicherung AG (Hamburg) qualifies
Three recognised lanes — Schengen, D-visa bridge, and long-stay residence permit
Lane 1 — Schengen visa (C-visa, ≤ 92 days): Care Visa Protect
For tourist, business and visit visas under EU Regulation 810/2009 the recognised cost lane is Care Visa Protect: €0.85/day for ages 0–64 and €2.60/day for 65–74 (minimum €8.50 premium). €30,000 medical cover, repatriation, valid in all Schengen states. PDF certificate in German + English by email within minutes — accepted at every German consulate worldwide.
Lane 2 — National D-visa bridge (>92 days, ≤ 2 years): Care Economy
For language-course, job-seeker (Chancenkarte), and family-visit D-visas the bridge lane is Care Economy: from €30 / 30 days for ages 0–49 and €50–125 / 30 days for 50+. Up to 2 years per contract. Insurer is HanseMerkur Reiseversicherung AG (Hamburg). PDF certificate in German + English; accepted at every Ausländerbehörde for visa categories that do not require an Incoming long-term product.
Lane 3 — Long-stay D-visa (residence permit, ≤ 5 years): Care Expatriate
For freelancer permits (§ 21 AufenthG), family reunion (§ 28/§ 30/§ 36 AufenthG) and other long-stay residence titles the recognised lane is Care Expatriate: from €58/month at entry age 18–29 and up to €432/month at entry age 61–74 (Premium tier). Up to 5 years per contract. Premium fixed at the age you enter. PDF certificate in German + English — accepted at every Ausländerbehörde under § 5 AufenthG.
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 a single field is wrong — 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.
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€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.
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€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 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 embassy-ready PDF — in 3 steps
10 minutes online. Embassy template pre-filled. PDF certificate in German + English by email within minutes — accepted at every German consulate worldwide and at the Ausländerbehörde under § 5 AufenthG.
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 Care Visa Protect for the German embassy appointment
“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 (primary), D-visa bridge, and long-stay residence permit
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 (Schengen), Care Economy (bridge), Care Expatriate (long-stay)
Quick answer: Care Visa Protect covers the Schengen visa at €0.85/day (ages 0–64) and €2.60/day (65–74) — minimum €8.50 premium, EU Reg. 810/2009 compliant. Care Economy bridges D-visa periods from €30 / 30 days (0–49) and €50–125 / 30 days (50+). Care Expatriate is the long-stay lane from €58/month at entry age 18–29 and up to €432/month at entry age 61–74 (Premium tier).
Schengen lane — 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.
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 lane — Care Expatriate (residence permit, 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 — Insurance proof, embassy format and which lane fits your visa
Frequently Asked Questions
Does the embassy accept a PDF certificate by email?
Yes. German consulates worldwide accept the PDF certificate issued by HanseMerkur / Care Concept and similar EU/EEA-admitted insurers. A few posts (e.g. parts of West Africa, Central Asia) additionally request a stamped printout — bring both to be safe.
What is the minimum cover the embassy requires?
For Schengen visas, EU Regulation 810/2009 sets a minimum of €30,000 medical cover plus repatriation, valid in all Schengen states. National D-visas follow § 5 AufenthG: the insurance must be 'sufficient' — in practice the same €30,000 floor is expected, with longer duration.
My visa appointment is delayed. Does my insurance still match?
The validity period on the certificate must cover the entire planned stay. If the appointment slips, ask the insurer for a date change — Care Visa Protect and Care Economy can be re-issued before travel start at no extra cost.
Over 10,000 policies issued · Since 2009