---
title: "From €0.85/day – Multi-entry Schengen wording Germany"
description: "Multi-entry Schengen health insurance for Germany: explicit MEV wording, €30,000 cover per entry, 90/180-day rule and bilingual PDF — recognised by German embassies."
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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 — multi-entry wording, bilingual PDF 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.  Multi-entry Schengen wording (Germany) 

A multi-entry Schengen visa (MEV) requires explicit multi-entry wording on the certificate covering the FULL visa validity — not only the first trip. A country-restricted certificate (e.g. 'Germany only') is refused at intake. 

# Schengen multi-entry health insurance — the right wording for multiple trips to Germany

The certificate must state explicitly "valid for multiple entries into the Schengen area" and cover the FULL validity of the visa (1, 2, 3 or up to 5 years).

€30,000 minimum cover per EU Reg. 810/2009 Art. 15 has to apply to every single entry. Territorial scope: all Schengen states.

90/180-day rule: up to 90 days of stay inside any 180-day window — your certificate has to mirror that pattern across the visa period.

4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) 

![Multi-entry Schengen health insurance — passport with MEV stamp, calendar showing multiple trips and bilingual certificate covering all Schengen states](/assets/visum-fuer-deutschland-schengen-BlAIXY3l.jpg)

-   [Multi-entry Schengen: Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) (MEV 1–5 years · ≤ 92 days per stay) 
-   [D-visa bridge: Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) (national D-visa · ≤ 2 years) 
-   [Long stay: Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (residence permit · up to 5 years) 

Multi-entry

wording

90/180

day rule

All Schengen

states

Three rules about multi-entry wording  the German consulate actually checks:

1.  1 **Explicit multi-entry wording:** [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) states "valid for multiple entries into the Schengen area" on the bilingual PDF. 
2.  2 **€30,000 cover applies to every entry:** not only the first trip — the EU Reg. 810/2009 Art. 15 minimum has to remain valid for the FULL visa period. 
3.  3 **Territorial scope = all Schengen states:** a "Germany only" certificate is refused at intake for MEV applications. 

Need a multi-entry certificate with the correct wording?  [30-second tariff finder →](/en/tariffinder-germany/)

Inside:  the exact wording line embassies look for on multi-entry MEV certificates  ·  why a 'Germany only' certificate gets refused at the Schengen border on the second trip  ·  how to re-issue the day-precise PDF for each trip inside a 5-year MEV at no extra cost 

Sources:  EU Regulation 810/2009 (Art. 15 + Art. 24) · 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: **August 31, 2026**  SourcesEU Regulation 810/2009 (Art. 15 + Art. 24) · § 5 AufenthG · Auswärtiges Amt · BAMF · 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

## Multi-entry Schengen visa? Care Visa Protect from €0.85/day (up to 92 days) delivers a bilingual PDF with explicit multi-entry wording within minutes.

[Care Visa Protect (multi-entry · all Schengen states) 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

-   For a multi-entry Schengen visa (MEV — valid 1, 2, 3 or 5 years), the certificate must explicitly state "valid for multiple entries into the Schengen area" and cover the FULL visa validity — not only the first trip. €30,000 minimum cover per EU Reg. 810/2009 Art. 15 has to apply to every entry. 
-   Recognised lanes: Care Visa Protect from €0.85/day (up to 92 days) for Schengen multi-entry (≤ 92 days per stay, 90/180-day rule), Care Economy from €30 / 30 days (up to 2 years) for the D-visa bridge (≤ 2 years), Care Expatriate from €58/month (up to 5 years) for long-stay residence permits (up to 5 years). 
-   Country-restricted certificates (e.g. "Germany only") are refused for MEV applications. The territorial scope must be "all Schengen states" and repatriation has to remain valid for the entire visa period. 

Key facts at a glance Reviewed August 31, 2026

-   **Multi-entry wording requirement:** The certificate has to state explicitly that it is valid for multiple entries into the Schengen area and cover the FULL validity of the visa — not only the first planned trip. (Source: EU Regulation 810/2009 Art. 15 + Art. 24 · Auswärtiges Amt).
-   **90/180-day Schengen rule:** MEVs can be valid 1, 2, 3 or up to 5 years, but the holder may stay maximum 90 days inside any 180-day window. The €30,000 minimum cover applies to every single entry, not only the first. (Source: EU Regulation 810/2009 · Schengen Borders Code).
-   **Day-precise bilingual PDF:** Care Visa Protect from €0.85/day (up to 92 days), Care Economy from €30 / 30 days (up to 2 years) and Care Expatriate from €58/month (up to 5 years) let you set the start date day-precise and deliver the bilingual certificate by email within minutes — re-issuable before the start at no extra cost. Full age brackets are shown in the official tables below. (Source: HanseMerkur AVB · Care Concept AG).

## Multi-entry wording — the seven rules embassies and the Ausländerbehörde follow

**Quick answer:** "Does my insurance certificate need to mention multi-entry, and what wording do German embassies expect for a 5-year MEV?" — These seven rules cover the wording policy German consulates apply at intake.

-   Multi-entry (MEV) certificate must cover the FULL validity of the visa — not only the first planned trip 
-   Wording on the certificate has to state explicitly: 'valid for multiple entries into the Schengen area' 
-   Minimum cover of €30,000 per EU Reg. 810/2009 Art. 15 must apply to every single entry, not only the first 
-   Repatriation and emergency medical evacuation must remain valid for the entire visa period (up to 5 years for a 5-year MEV) 
-   90/180-day Schengen rule: max 90 days of stay inside any 180-day window — the certificate has to mirror this pattern 
-   Territorial scope: 'all Schengen states' — a country-restricted certificate (e.g. Germany only) is refused for MEV applications 
-   Re-issuable bilingual PDF (German + English) before the start date — required when the visa validity period changes at the embassy 

## Three recognised lanes — multi-entry Schengen, D-visa bridge, long stay

Lane 1 / 3

### Lane 1 — Multi-entry Schengen visa (MEV: 1–5 years)

Care Visa Protect from €0.85/day (up to 92 days); full age and duration rates are shown in the official table below. Explicit multi-entry wording, all Schengen states, repatriation valid the full visa period. Bilingual PDF by email — re-issuable day-precise for each trip at no extra cost.

**Need:** Care Visa Protect · multi-entry · ≤ 92 days per stay

[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 (continuous stay)

Care Economy from €30 / 30 days (up to 2 years); exact daily rates depend on duration, entry age and deductible — shown in the official table below. Bridges between visa stamp and statutory cover (GKV) or a long-stay private lane. Up to 2 years per contract.

**Need:** Care Economy · D-visa bridge · ≤ 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 residence permit (up to 5 years)

Care Expatriate from €58/month (up to 5 years); exact age and tier prices are shown in the official table below. Worldwide territorial scope including the home country, premium fixed at the entry age, up to 5 years per contract — designed for multi-year residence permits without GKV access.

**Need:** Care Expatriate · residence permit · 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.

## Single-entry vs. multi-entry vs. long-stay — what the certificate wording must cover

### Phase A — Single-entry Schengen visa (one trip)

**Typical case:** One trip to Germany / the Schengen area, fixed entry and departure dates.

**Risk:** MEV-style wording missing → consulate downgrades or refuses; certificate has to match the visa type.

**Recognised lane:** Care Visa Protect — day-precise, single-entry wording, bilingual PDF by email within minutes.

### Phase B — Multi-entry visa (MEV: 1, 2, 3 or 5 years)

**Typical case:** Several short trips inside the visa validity (business, family, cultural events).

**Risk:** Certificate covers only the first entry → refusal at intake or at the next Schengen border.

**Recognised lane:** Care Visa Protect — explicit multi-entry wording, all Schengen states, repatriation valid the full period.

### Phase C — National D-visa or long-stay residence permit

**Typical case:** Multi-month bridge between visa stamp and GKV / long-stay private cover.

**Risk:** Schengen wording does not satisfy a national D-visa — needs a multi-month bridge.

**Recognised lane:** Care Economy (≤ 2 years) for the bridge, Care Expatriate (up to 5 years) for the residence permit period.

## MEV certificate covers only the first trip? Refused at intake or at the next Schengen border

## 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.

## MEV appointment soon? Get the multi-entry 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 multi-entry certificate — in 3 steps

10 minutes online. Lane (multi-entry Schengen / D-visa bridge / long stay) pre-filled. Bilingual PDF certificate (German + English) with explicit multi-entry wording 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 applicants say about Care Visa Protect for multi-entry Schengen visas

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 — multi-entry Schengen, D-visa bridge, long stay

🇪🇺 Multi-entry · all Schengen states

### 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 · ≤ 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 · 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, Care Economy, Care Expatriate

**Quick answer:** Summary CTAs show registry base prices only. Exact age, duration and deductible rates are shown in the official tables below.

### Multi-entry Schengen (≤ 92 days per stay) — Care Visa Protect

Care Visa Protect

Daily premium

Multiple Visa  
(annual contract) 

up to age 64

€0.85/day

€110/year

65 – 74 years

€2.60/day

€215/year

Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026.

[Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/)

### National 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 residence permit — Care Expatriate (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 — Multi-entry Schengen wording for the German visa

## Frequently Asked Questions

Does my insurance certificate need to mention multi-entry explicitly? 

Yes — for a multi-entry Schengen visa (MEV) the wording has to state explicitly that the certificate is "valid for multiple entries into the Schengen area" and covers the FULL visa validity. [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) issues a bilingual PDF with the correct multi-entry wording — re-issuable before the start date at no extra cost.

How does the 90/180-day rule affect the insurance period for a multi-entry visa? 

Under the Schengen 90/180-day rule you can stay up to 90 days inside any 180-day window. The certificate has to cover every single planned trip inside the visa validity (1, 2, 3 or 5 years). For longer continuous stays under a national D-visa, switch to [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) (≤ 2 years per contract).

What if I have a 5-year multi-entry visa — can one certificate cover the whole period? 

Yes for Schengen short-stay trips: [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) can be re-issued day-precise for each trip inside the 5-year MEV validity. For continuous long-stay residence (national permit, family reunification, freelancer) switch to [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (up to 5 years per contract). Not sure which lane fits? Try the [30-second tariff finder](/en/tariffinder-germany/).

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

## MEV appointment soon? Get the bilingual PDF with explicit multi-entry wording within minutes.

[Care Visa Protect (multi-entry · all Schengen states) 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 

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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 31, 2026.