--- title: "from €0.85/day — €30,000 Schengen minimum cover Germany" description: "What the €30,000 Schengen minimum cover means in practice for a German visa: EU Reg. 810/2009 fields, repatriation, and which tariffs the embassy accepts." 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": "ContactPoint", 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what it means in practice for a German visa", "description": "What the €30,000 Schengen minimum cover means in practice for a German visa: EU Reg. 810/2009 fields, repatriation, and which tariffs the embassy accepts.", "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": "2026-09-08", "dateModified": "2026-09-05", "mainEntityOfPage": { "@type": "WebPage", "@id": 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"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 does the €30,000 minimum coverage for a Schengen visa to Germany mean?", "acceptedAnswer": { "@type": "Answer", "text": "EU Regulation 810/2009 requires all Schengen visa applicants to hold health insurance with at least €30,000 coverage for medical emergencies, hospitalisation and repatriation, valid across the entire Schengen area. Care Visa Protect provides €50,000 cover — well above the minimum — starting from €0.85/day, with a minimum premium of €7.50 per policy." } }, { "@type": "Question", "name": "Is €30,000 enough, or should I take higher coverage?", "acceptedAnswer": { "@type": "Answer", "text": "€30,000 is the legal minimum for the Schengen visa, but a single hospital stay in Germany can cost €5,000–€15,000. Care Visa Protect provides €50,000 as standard, giving a safety margin at no extra complexity. The certificate clearly states the cover amount so the embassy can verify it at a glance." } }, { "@type": "Question", "name": "Can my Schengen visa be rejected because coverage is below €30,000?", "acceptedAnswer": { "@type": "Answer", "text": "If the insurance certificate shows less than €30,000, is missing repatriation, or is not valid Schengen-wide, the German embassy typically rejects the file. Yes — insufficient cover is one of the most common reasons for Schengen visa refusals. You would then need to buy a compliant policy and rebook the appointment." } }, { "@type": "Question", "name": "Does the €30,000 minimum cover include repatriation costs to my home country?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — under EU Reg. 810/2009 Art. 15, the €30,000 must include medically necessary repatriation to the country of residence. Care Visa Protect prints the repatriation clause on page 1 with the €50,000 total sum insured — the embassy checks both fields in one glance." } }, { "@type": "Question", "name": "Do I need higher than €30,000 cover for a long stay in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For Schengen visas (≤ 90 days) €30,000 is legally sufficient. For D-visas and residence permits the Ausländerbehörde expects €30,000 minimum but usually accepts unlimited-sum lanes: Care Economy (from €30 / 30 days, up to 24 months) and Care Expatriate (from €58/month, up to 60 months) both offer unlimited hospital cover — no risk of an out-of-pocket gap." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does the €30,000 minimum coverage for a Schengen visa to Germany mean?", "text": "What does the €30,000 minimum coverage for a Schengen visa to Germany mean?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU Regulation 810/2009 requires all Schengen visa applicants to hold health insurance with at least €30,000 coverage for medical emergencies, hospitalisation and repatriation, valid across the entire Schengen area. Care Visa Protect provides €50,000 cover — well above the minimum — starting from €0.85/day, with a minimum premium of €7.50 per policy.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/minimum-cover-30000-euro-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is €30,000 enough, or should I take higher coverage?", "text": "Is €30,000 enough, or should I take higher coverage?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "€30,000 is the legal minimum for the Schengen visa, but a single hospital stay in Germany can cost €5,000–€15,000. Care Visa Protect provides €50,000 as standard, giving a safety margin at no extra complexity. The certificate clearly states the cover amount so the embassy can verify it at a glance.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/minimum-cover-30000-euro-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can my Schengen visa be rejected because coverage is below €30,000?", "text": "Can my Schengen visa be rejected because coverage is below €30,000?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "If the insurance certificate shows less than €30,000, is missing repatriation, or is not valid Schengen-wide, the German embassy typically rejects the file. Yes — insufficient cover is one of the most common reasons for Schengen visa refusals. You would then need to buy a compliant policy and rebook the appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/minimum-cover-30000-euro-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the €30,000 minimum cover include repatriation costs to my home country?", "text": "Does the €30,000 minimum cover include repatriation costs to my home country?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — under EU Reg. 810/2009 Art. 15, the €30,000 must include medically necessary repatriation to the country of residence. Care Visa Protect prints the repatriation clause on page 1 with the €50,000 total sum insured — the embassy checks both fields in one glance.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/minimum-cover-30000-euro-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need higher than €30,000 cover for a long stay in Germany?", "text": "Do I need higher than €30,000 cover for a long stay in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For Schengen visas (≤ 90 days) €30,000 is legally sufficient. For D-visas and residence permits the Ausländerbehörde expects €30,000 minimum but usually accepts unlimited-sum lanes: Care Economy (from €30 / 30 days, up to 24 months) and Care Expatriate (from €58/month, up to 60 months) both offer unlimited hospital cover — no risk of an out-of-pocket gap.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/minimum-cover-30000-euro-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "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 Visa Protect — €30,000 cover, Schengen-wide, PDF in minutes from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Visa & Residence Germany](/en/guide-health-insurance-germany/visa-residence-germany/) 4. €30,000 Schengen minimum cover (Germany) The €30,000 figure is per insured event, not per entry — and it must come together with Schengen-wide scope and repatriation wording. Without all three the German embassy may refuse the certificate. # €30,000 minimum cover for the Schengen health insurance — what it means in practice for a German visa 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![€30,000 minimum cover for Schengen health insurance — passport, German visa file and the printed certificate PDF](/assets/visum-fuer-deutschland-schengen-BlAIXY3l.jpg) - [Schengen lane: Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) (Art. 15 EU Reg. 810/2009 · ≤ 92 days) - [D-visa bridge: Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) (national D-visa bridge · ≤ 2 years) - [Long-stay lane: Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (long-stay residence proof · up to 5 years) ≥ €30,000 per case Schengen-wide all states Repatriation included Three things the German embassy actually checks behind the €30,000 figure: 1. 1 **Per case, not per entry:** €30,000 is the maximum cover per insured medical event. A single contract counts for every emergency in the period. [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) is calibrated for this rule. 2. 2 **Repatriation to the home country:** the certificate must explicitly include repatriation wording — a missing line here is one of the most common embassy refusals. 3. 3 **Schengen-wide territorial scope:** the policy must be valid in ALL Schengen states, not only Germany. Germany-only cards are typically refused at the appointment. Schengen, D-visa or long-stay — which lane fits your appointment? [30-second tariff finder →](/en/tariffinder-germany/) Inside: why a sub-€30,000 travel card fails the rule even when the rest of the wording is correct · the per-case vs. per-entry myth that costs visa applicants their appointment · how to spot a missing repatriation clause 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 ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 5, 2026** SourcesEU Regulation 810/2009 · § 5 AufenthG · BAMF · Auswärtiges Amt · HanseMerkur Care Visa Protect AVB · 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 ## Need a Schengen-compliant certificate that meets the €30,000 rule? PDF in German + English by email in minutes. [Care Visa Protect (Schengen · ≤ 92 days) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy (D-visa bridge · ≤ 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - The €30,000 minimum cover comes from Art. 15 of EU Reg. 810/2009 (the Schengen Visa Code). It is the minimum medical-emergency cover per insured event — not per entry — and must include repatriation to the home country plus Schengen-wide territorial scope. Care Visa Protect from €0.85/day (up to 92 days) is the recognised lane that meets the rule by default. - Three recognised lanes for the German visa file: Care Visa Protect from €0.85/day (up to 92 days) for Schengen visas (≤92 days, EU Reg. 810/2009 compliant); Care Economy from €30 / 30 days (up to 2 years) as the national D-visa bridge; Care Expatriate from €58/month (up to 5 years) as the long-stay residence lane. Exact age and duration brackets stay in the official tables below. - Common embassy refusals trace back to four field defects: cover under €30,000, Germany-only territorial scope, missing repatriation wording, or a non-binding quote instead of the final certificate PDF. Order the certificate the same week you confirm the appointment, check the four fields, then print the German + English PDF. Key facts at a glance Reviewed September 5, 2026 - **€30,000 minimum cover (Art. 15 EU Reg. 810/2009):** The Schengen Visa Code requires minimum medical-emergency cover of €30,000 per insured event, including repatriation. Care Visa Protect from €0.85/day (up to 92 days) meets the rule by default with Schengen-wide scope. (Source: Art. 15 EU Regulation 810/2009 · HanseMerkur Care Visa Protect AVB). - **Per case, not per entry:** The €30,000 figure is the maximum cover per medical event in the insured period — not per border crossing. A single contract therefore counts for every emergency during the cover period. (Source: Auswärtiges Amt · Schengen Visa Code practice). - **Recognised lanes for German visa files:** Care Visa Protect from €0.85/day (up to 92 days) for Schengen C-visa, Care Economy from €30 / 30 days (up to 2 years) for the national D-visa bridge, Care Expatriate from €58/month (up to 5 years) for long-stay residence proof. Full age and duration brackets are only in the shared price tables below. (Source: tarifPreiseEn.ts · Preistabelle components). ## €30,000 minimum cover — the seven rules the German consulate checks **Quick answer:** "What does the €30,000 minimum cover for the Schengen health insurance mean in practice?" — These seven rules cover the wording and scope the German embassy verifies before stamping the visa file. All seven apply to every Schengen visa appointment. - Minimum medical cover per case ≥ €30,000 (Art. 15 EU Reg. 810/2009 — the Schengen Visa Code) - Cover applies per insured event, not per entry — a single contract counts for every emergency in the period - Repatriation to the home country must be included — many embassy refusals trace back to this missing wording - Territorial scope: ALL Schengen states, not Germany only — Germany-only certificates are typically refused - Period covers the whole requested stay — start = embassy-recorded entry date, end ≥ requested stay end - Insurer name, certificate number and the explicit cover amount must be visible on the PDF - Certificate language: German + English is the safest combination for the German embassy file ## Three lanes — Schengen entry, D-visa bridge, and long-stay residence permit Lane 1 / 3 ### Lane 1 — Schengen visa (C-visa, ≤ 92 days): Care Visa Protect EU Reg. 810/2009 compliant: minimum medical cover, repatriation, valid in all Schengen states. from €0.85/day (up to 92 days); the full age-rate table is shown in the price section below. PDF in German + English by email within minutes — re-issuable at no extra cost while the start date is still in the future. **Need:** Care Visa Protect · Art. 15 EU Reg. 810/2009 · ≤ 92 days [Care Visa Protect from €0.85/day (up to 92 days) →](/en/insurance-plans/care-visa-protect/overview/) Lane 2 / 3 ### Lane 2 — National D-visa bridge (>92 days, ≤ 2 years): Care Economy Used as a bridge between embassy approval and statutory cover. from €30 / 30 days (up to 2 years); exact daily rates depend on duration, entry age and deductible — shown in the official table below. Up to 2 years per contract. Insurer is HanseMerkur Reiseversicherung AG (Hamburg). **Need:** Care Economy · § 5 AufenthG · ≤ 2 years [Care Economy from €30 / 30 days (up to 2 years) →](/en/insurance-plans/care-economy/overview/) Lane 3 / 3 ### Lane 3 — Long-stay D-visa (residence permit, ≤ 5 years): Care Expatriate Long-stay Incoming proof for residence-permit files when statutory cover is not yet available. from €58/month (up to 5 years); exact age and tier prices are shown in the official table below. Up to 5 years per contract; premium fixed at the entry age. **Need:** Care Expatriate · § 5 AufenthG · up to 5 years [Care Expatriate from €58/month (up to 5 years) →](/en/insurance-plans/care-expatriate/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. ## Four common mistakes that fail the €30,000 Schengen check ### Cover under €30,000 Some travel cards advertise medical cover below the €30,000 line — the embassy will refuse the file. ### Germany-only scope A national-only policy fails the Schengen test even if the medical cover is high. ### Missing repatriation Without explicit repatriation wording the certificate does not satisfy Art. 15 of EU Reg. 810/2009. ### Quote instead of certificate A non-binding quote is not a certificate — bring the FINAL PDF to the appointment. ## €30,000 not visible on the certificate? The visa file may be refused on the spot ## 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 slot soon? Take out a €30,000-compliant certificate 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 €30,000-compliant certificate — in 3 steps 10 minutes online. Cover amount, Schengen scope and repatriation pre-filled. PDF certificate in German + English 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. 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 visa applicants say about Care Visa Protect for the €30,000 Schengen rule 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 — Schengen entry (primary), D-visa bridge, long-stay residence permit ✈️ Schengen · ≤ 92 days ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof 📘 D-visa bridge · 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 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 Visa Protect (Schengen), Care Economy (bridge), Care Expatriate (long-stay) **Quick answer:** Summary CTAs show registry base prices only. Exact age, duration and deductible rates are shown in the official tables below. ### 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. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ### 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/) ## FAQ — €30,000 minimum cover for the Schengen health insurance ## Frequently Asked Questions What does the €30,000 minimum coverage for a Schengen visa to Germany mean? EU Regulation 810/2009 requires all Schengen visa applicants to hold health insurance with at least €30,000 coverage for medical emergencies, hospitalisation and repatriation, valid across the entire Schengen area. Care Visa Protect provides €50,000 cover — well above the minimum — starting from €0.85/day, with a minimum premium of €7.50 per policy. Is €30,000 enough, or should I take higher coverage? €30,000 is the legal minimum for the Schengen visa, but a single hospital stay in Germany can cost €5,000–€15,000. Care Visa Protect provides €50,000 as standard, giving a safety margin at no extra complexity. The certificate clearly states the cover amount so the embassy can verify it at a glance. Can my Schengen visa be rejected because coverage is below €30,000? If the insurance certificate shows less than €30,000, is missing repatriation, or is not valid Schengen-wide, the German embassy typically rejects the file. Yes — insufficient cover is one of the most common reasons for Schengen visa refusals. You would then need to buy a compliant policy and rebook the appointment. Does the €30,000 minimum cover include repatriation costs to my home country? Yes — under EU Reg. 810/2009 Art. 15, the €30,000 must include medically necessary repatriation to the country of residence. Care Visa Protect prints the repatriation clause on page 1 with the €50,000 total sum insured — the embassy checks both fields in one glance. Do I need higher than €30,000 cover for a long stay in Germany? For Schengen visas (≤ 90 days) €30,000 is legally sufficient. For D-visas and residence permits the Ausländerbehörde expects €30,000 minimum but usually accepts unlimited-sum lanes: Care Economy (from €30 / 30 days, up to 24 months) and Care Expatriate (from €58/month, up to 60 months) both offer unlimited hospital cover — no risk of an out-of-pocket gap. Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Visa appointment booked? Get a €30,000-compliant Schengen certificate now — PDF in minutes. [Care Visa Protect (Schengen · ≤ 92 days) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/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 5, 2026.