--- title: "From €0.85/day · Schengen Health Insurance Germany 2026" description: "Schengen visa health insurance requirements: €30,000 minimum coverage, repatriation, Schengen-wide validity (EU-VO 810/2009) — recognized German tariffs from €0.85/day." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": 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Proof, Coverage and Validity Area for Germany", "description": "Schengen visa health insurance requirements: €30,000 minimum coverage, repatriation, Schengen-wide validity (EU-VO 810/2009) — recognized German tariffs from €0.85/day.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-06", "dateModified": "2026-08-26", "mainEntityOfPage": { "@type": "WebPage", "@id": 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"[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Visa & Residence Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/" }, { "@type": "ListItem", "position": 4, "name": "Schengen Health-Insurance Requirements (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What are the Schengen visa insurance requirements for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "€30,000 minimum coverage, valid in all 27 Schengen states, including medical repatriation — per EU Regulation 810/2009 Art. 15. Care Visa Protect meets all criteria from €0.85/day (minimum €7.50) with same-day PDF." } }, { "@type": "Question", "name": "Does the German embassy check Schengen insurance before issuing the visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Visa Protect certificate (from €0. The Auswärtiges Amt checklist requires proof at the visa appointment. 85/day) is accepted at all German missions worldwide and issued PDF within minutes." } }, { "@type": "Question", "name": "Which coverage details must appear on Schengen insurance for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Full name, passport number, exact travel dates, all 27 Schengen states, €30,000 minimum, medical repatriation, insurer name and policy number — per EU 810/2009. Care Visa Protect PDF from €0.85/day includes all fields bilingually." } }, { "@type": "Question", "name": "Can I use travel insurance from my home country for a German Schengen visa?", "acceptedAnswer": { "@type": "Answer", "text": "Only if it meets EU Regulation 810/2009 (€30,000, all 27 Schengen states, repatriation). Most home-country policies fail the Schengen states test. Care Visa Protect from €0.85/day is safer and issued by a German insurer (HanseMerkur)." } }, { "@type": "Question", "name": "How long can Care Visa Protect cover a Schengen visa stay in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Up to 92 days consecutive. Multi-entry policies also available for 6/12 months with 90-day windows. Cost: €0.85/day (ages up to 64), up to €3.50/day (ages 65–74). Minimum contract €7.50." } }, { "@type": "Question", "name": "What insurance requirements apply for a Schengen visa?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa applicants need travel health insurance with minimum coverage of €30,000, valid across all Schengen states, including medical emergency treatment and repatriation costs. The insurance certificate must be presented at the visa appointment. Care Visa Protect meets all EU Regulation 810/2009 requirements from €0.85/day." } }, { "@type": "Question", "name": "Is travel insurance mandatory for Schengen visa applications?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. EU Regulation 810/2009 requires proof of insurance covering the entire Schengen area with adequate medical coverage. Without a valid insurance certificate, the visa application will typically be rejected. Online policies like Care Visa Protect provide instant PDF certificates accepted by embassies worldwide." } }, { "@type": "Question", "name": "Can I use my home country health insurance for a Schengen visa?", "acceptedAnswer": { "@type": "Answer", "text": "Only if it demonstrably meets all Schengen requirements: minimum €30,000 coverage, valid in all 29 Schengen states, and includes medical repatriation. Most home-country policies don't meet these criteria. A dedicated Schengen insurance policy like Care Visa Protect (from €0.85/day) ensures compliance and provides instant proof of insurance." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What are the Schengen visa insurance requirements for Germany?", "text": "What are the Schengen visa insurance requirements for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "€30,000 minimum coverage, valid in all 27 Schengen states, including medical repatriation — per EU Regulation 810/2009 Art. 15. Care Visa Protect meets all criteria from €0.85/day (minimum €7.50) with same-day PDF.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the German embassy check Schengen insurance before issuing the visa?", "text": "Does the German embassy check Schengen insurance before issuing the visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Visa Protect certificate (from €0. The Auswärtiges Amt checklist requires proof at the visa appointment. 85/day) is accepted at all German missions worldwide and issued PDF within minutes.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which coverage details must appear on Schengen insurance for Germany?", "text": "Which coverage details must appear on Schengen insurance for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Full name, passport number, exact travel dates, all 27 Schengen states, €30,000 minimum, medical repatriation, insurer name and policy number — per EU 810/2009. Care Visa Protect PDF from €0.85/day includes all fields bilingually.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use travel insurance from my home country for a German Schengen visa?", "text": "Can I use travel insurance from my home country for a German Schengen visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only if it meets EU Regulation 810/2009 (€30,000, all 27 Schengen states, repatriation). Most home-country policies fail the Schengen states test. Care Visa Protect from €0.85/day is safer and issued by a German insurer (HanseMerkur).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long can Care Visa Protect cover a Schengen visa stay in Germany?", "text": "How long can Care Visa Protect cover a Schengen visa stay in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Up to 92 days consecutive. Multi-entry policies also available for 6/12 months with 90-day windows. Cost: €0.85/day (ages up to 64), up to €3.50/day (ages 65–74). Minimum contract €7.50.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance requirements apply for a Schengen visa?", "text": "What insurance requirements apply for a Schengen visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa applicants need travel health insurance with minimum coverage of €30,000, valid across all Schengen states, including medical emergency treatment and repatriation costs. The insurance certificate must be presented at the visa appointment. Care Visa Protect meets all EU Regulation 810/2009 requirements from €0.85/day.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is travel insurance mandatory for Schengen visa applications?", "text": "Is travel insurance mandatory for Schengen visa applications?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. EU Regulation 810/2009 requires proof of insurance covering the entire Schengen area with adequate medical coverage. Without a valid insurance certificate, the visa application will typically be rejected. Online policies like Care Visa Protect provide instant PDF certificates accepted by embassies worldwide.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use my home country health insurance for a Schengen visa?", "text": "Can I use my home country health insurance for a Schengen visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only if it demonstrably meets all Schengen requirements: minimum €30,000 coverage, valid in all 29 Schengen states, and includes medical repatriation. Most home-country policies don't meet these criteria. A dedicated Schengen insurance policy like Care Visa Protect (from €0.85/day) ensures compliance and provides instant proof of insurance.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-26", "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 (Schengen-recognised) 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. Schengen Health-Insurance Requirements (Germany) # Schengen Health Insurance: Requirements, Proof, Coverage and Validity Area for Germany Sources: EU Regulation 810/2009 Art. 15 · Council Decision 2004/17/EC · § 5 AufenthG · HanseMerkur AVB **A Schengen short-stay visa (Type C) requires travel health insurance that meets four hard criteria under Art. 15 of EU Regulation 810/2009 (the Visa Code): a minimum coverage of €30,000, inclusion of repatriation costs (in case of illness or death), validity throughout all 29 Schengen states, and validity for the entire planned stay.** The fastest embassy-recognised option is [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) — the PDF certificate is issued instantly and accepted by every German embassy worldwide. Credit-card travel insurance is routinely refused because it lacks the required certificate, the €30,000 anchor or the explicit Schengen-wide validity. For stays beyond 90 days within 180 days the Schengen Type C no longer applies — you need a national visa (Type D) and a long-term Incoming policy: [Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/) (visitors, Chancenkarte, up to 2 years) or [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (expats, freelancers, up to 5 years). Below: the four binding requirements explained one by one, the embassy-PDF format checklist, what counts as "repatriation" under the Visa Code, when Schengen Type C stops fitting and the switch routes to Care Economy or Care Expatriate. 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: **August 26, 2026** SourcesEU Regulation 810/2009 Art. 15 (Visa Code) · Council Decision 2004/17/EC · § 5 AufenthG · Auswärtiges Amt · HanseMerkur Care Visa Protect AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Schengen visa appointment booked? Get the embassy-recognised PDF in 5 minutes. [Care Visa Protect (Schengen short-stay) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy (visitors, up to 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 - Schengen short-stay visas (Type C) require travel medical insurance with at least €30,000 coverage, repatriation in case of illness or death, valid in all 29 Schengen states for the entire stay (EU Regulation 810/2009, Art. 15) — Care Visa Protect from €0.85/day satisfies all four criteria. - Credit-card travel insurance is rejected at most German embassies because it lacks the required PDF certificate, the €30,000 anchor or the Schengen-wide validity statement — only recognised Incoming policies (Care Visa Protect, Care Economy) carry the embassy stamp. - For stays over 90 days the Schengen Type C is no longer valid — switch to a national visa (Type D) and a long-term tariff: Care Economy (up to 2 years, from €30/30 days under 50) or Care Expatriate (up to 5 years, from €58/month at ages 13–40). Key facts at a glance Reviewed August 26, 2026 - **Minimum coverage €30,000:** Required by Art. 15 of EU Regulation 810/2009 (the Visa Code). Covers emergency medical treatment AND repatriation costs combined. Lower amounts are routinely rejected at the visa appointment, regardless of the country of origin. (Source: EU Regulation 810/2009 Art. 15). - **Validity in all 29 Schengen states:** The certificate must explicitly state Schengen-wide validity — single-country travel cover is not accepted. Recognised Incoming policies (Care Visa Protect, Care Economy) carry the standard text required by every German embassy. (Source: Council Decision 2004/17/EC · Auswärtiges Amt). - **Repatriation in case of illness or death:** Mandatory clause under Art. 15 — covers medically supervised return transport and the repatriation of mortal remains. Standard credit-card travel cover usually excludes one of these and is refused at the appointment. (Source: EU Regulation 810/2009 Art. 15). - **Valid for the entire planned stay:** The coverage period on the certificate must match the requested visa duration day-for-day. Care Visa Protect (from €0.85/day, up to 92 days) issues the PDF instantly with the exact dates of the trip. (Source: Auswärtiges Amt · HanseMerkur Care Visa Protect AVB). ## Four reasons embassies reject Schengen insurance certificates **Quick answer:** "Why was my Schengen visa application rejected over the insurance proof?" — most refused certificates fail one of four criteria from Art. 15 of the Visa Code: coverage below €30,000; repatriation not explicitly included; validity restricted to one country instead of all 29 Schengen states; or the coverage period does not span the entire requested stay. A credit-card travel policy typically fails on at least two of these. ## 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 an undercovered Schengen trip really costs ## 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. 🛂 1 wrong certificate Visa appointment at risk Wrong dates, missing coverage details, unclear validity area or missing repatriation wording can delay your documents exactly when time matters. - 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 tomorrow? You can have the Schengen-PDF in 5 minutes ## Why act before the visa appointment Visa appointments can be hard to reschedule. Missing or unsuitable insurance proof can create avoidable delay exactly when time matters. 📅 Appointment pressure If your documents are incomplete, you may need extra time to prepare corrected proof. 📄 Certificate must fit Check coverage amount, validity dates, destination area and repatriation wording before the appointment. ⚡ PDF proof after application Several online tariffs provide a PDF certificate after successful application. 🛡️ Avoid last-minute panic Choose the right insurance before submitting your visa file, not after a document problem appears. ## From application to embassy-PDF — in 3 steps 5 minutes online. Care Visa Protect PDF certificate by email immediately, in German and English, with the exact travel dates, the €30,000 medical anchor, repatriation clause and Schengen-wide validity statement required by Art. 15 of the Visa Code. ## 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 travelers say about Care Visa Protect for the German Schengen visa appointment 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs by stay duration 🎯 Standard · Schengen Type C (up to 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 🛟 National visa Type D (visitors, Chancenkarte) ### 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 For long-term stays (over 2 years, expats and freelancers) switch to [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/). For the full visa-and-residence overview see the [visa & residence guide](/en/guide-health-insurance-germany/visa-residence-germany/) or the [foreigners-visa hub](/en/health-insurance-foreigners-visa-germany/). ## Care Visa Protect — full price table by tier and duration **Quick answer:** Care Visa Protect starts from €0.85/day (Einheitstarif — single tier) for trips up to 92 days. Minimum premium €8.50. All tiers include the €30,000 medical anchor, repatriation and Schengen-wide validity required by EU Regulation 810/2009. 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/) ## Frequently Asked Questions What are the Schengen visa insurance requirements for Germany? €30,000 minimum coverage, valid in all 27 Schengen states, including medical repatriation — per EU Regulation 810/2009 Art. 15. Care Visa Protect meets all criteria from €0.85/day (minimum €7.50) with same-day PDF. Does the German embassy check Schengen insurance before issuing the visa? Yes — Care Visa Protect certificate (from €0. The Auswärtiges Amt checklist requires proof at the visa appointment. 85/day) is accepted at all German missions worldwide and issued PDF within minutes. Which coverage details must appear on Schengen insurance for Germany? Full name, passport number, exact travel dates, all 27 Schengen states, €30,000 minimum, medical repatriation, insurer name and policy number — per EU 810/2009. Care Visa Protect PDF from €0.85/day includes all fields bilingually. Can I use travel insurance from my home country for a German Schengen visa? Only if it meets EU Regulation 810/2009 (€30,000, all 27 Schengen states, repatriation). Most home-country policies fail the Schengen states test. Care Visa Protect from €0.85/day is safer and issued by a German insurer (HanseMerkur). How long can Care Visa Protect cover a Schengen visa stay in Germany? Up to 92 days consecutive. Multi-entry policies also available for 6/12 months with 90-day windows. Cost: €0.85/day (ages up to 64), up to €3.50/day (ages 65–74). Minimum contract €7.50. What insurance requirements apply for a Schengen visa? Schengen visa applicants need travel health insurance with minimum coverage of €30,000, valid across all Schengen states, including medical emergency treatment and repatriation costs. The insurance certificate must be presented at the visa appointment. [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) meets all EU Regulation 810/2009 requirements from €0.85/day. Is travel insurance mandatory for Schengen visa applications? Yes. EU Regulation 810/2009 requires proof of insurance covering the entire Schengen area with adequate medical coverage. Without a valid insurance certificate, the visa application will typically be rejected. Online policies like Care Visa Protect provide instant PDF certificates accepted by embassies worldwide. Can I use my home country health insurance for a Schengen visa? Only if it demonstrably meets all Schengen requirements: minimum €30,000 coverage, valid in all 29 Schengen states, and includes medical repatriation. Most home-country policies don't meet these criteria. A dedicated Schengen insurance policy like [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) (from €0.85/day) ensures compliance and provides instant proof of insurance. [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: August 26, 2026.