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.
- Multi-entry Schengen: Care Visa Protect from €0.85/day (up to 92 days) (MEV 1–5 years · ≤ 92 days per stay)
- D-visa bridge: Care Economy from €30 / 30 days (up to 2 years) (national D-visa · ≤ 2 years)
- Long stay: Care Expatriate from €58/month (up to 5 years) (residence permit · up to 5 years)
Three rules about multi-entry wording the German consulate actually checks:
- 1Explicit multi-entry wording: Care Visa Protect from €0.85/day (up to 92 days) states "valid for multiple entries into the Schengen area" on the bilingual PDF.
- 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.
- 3Territorial 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 →
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
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Visa Proof
Proof of insurance for embassy or consulate documents
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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.
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 — 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.
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.
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.
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.
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€500–€1,500
Emergency doctor visit
One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added.
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€2,000–€10,000+
Hospital treatment
If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros.
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€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.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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Submit your proof
Receive the PDF certificate after successful online application and submit it with your visa or authority documents.
What applicants say about Care Visa Protect for multi-entry Schengen visas
“My biggest worry was that the embassy wouldn't accept the insurance.
The proof was accepted immediately — no questions asked.
That saved me a lot of stress.”
Georges
Cameroon
“I needed proof of insurance urgently for my visa appointment.
The confirmation arrived within minutes by email.
Everything worked first time at the embassy.”
Olga
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“The online sign-up was done in just a few minutes.
When I actually had to see a doctor, the billing went smoothly.
I was really covered — not just on paper.”
Yunhee
Australia
Now choose your plan
Recognised lanes — multi-entry Schengen, D-visa bridge, long stay
Care Visa Protect
from only €0.85 / day (1–92 days possible)
For Schengen visas, tourists, family visits & business travel
- Proof of insurance for visas & immigration authorities quickly available (PDF)
- Meets Schengen visa insurance requirements
- Affordable coverage from €0.85/day (minimum premium applies)
- Doctor, hospital, prescription medication & dental emergency coverage
- For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland
- Ideal for short stays, family visits, tourists & business travelers
- Multiple-visa option: several trips up to a total of 92 days/year
- Must be purchased before entry
- Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74
- Coverage term: 1–92 days · entry age 0–74
Why Care Visa Protect?
For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips.
Why a 92-day coverage term?
Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance.
- 🏛️ HanseMerkur Travel Insurance AG, Hamburg
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental emergency & repatriation coverage
- 🏷️ From €0.85 / day · coverage up to 92 days
→ Complete the application, receive your instant PDF, submit your proof
Care Economy
from only €30.00 / 30 days (coverage up to 2 years)
For guests, tourists, family visits, job seekers & the German Opportunity Card
- Proof of insurance for visas & immigration authorities within minutes
- Affordable coverage from €1.00 per day
- Doctor, hospital & dental emergency coverage
- Suitable for Schengen visas, the Opportunity Card & family visits
- Flexible coverage from 1 day up to 2 years
- Coverage in Germany, the EU & the Schengen Area
- 24/7 assistance + digital insurance card
- Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74
- Coverage term: 1 day to 2 years · entry age 0–74
- Reputable insurance carrier
Why Care Economy?
For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits.
Why a 2-year coverage term?
More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap.
- 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental emergency & repatriation coverage
- 🏷️ From €30 / 30 days · up to 2 years possible
→ Complete the application, receive your instant PDF, submit your proof
Care Expatriate
from only €58.00 / month (coverage up to 5 years)
For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74
- Proof of insurance for visas & immigration authorities quickly available (PDF)
- Coverage up to 5 years – less renewal stress
- Doctor, hospital, prescription medication & dental treatment coverage
- For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland
- Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors
- More planning security for residence permits, projects or jobs
- 24/7 assistance + digital insurance card
- Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74
- Coverage term: 3 months to 5 years · entry age 0–74
- Reputable insurance carrier
Why Care Expatriate?
For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74.
Why a 5-year coverage term?
More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer.
- 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental treatment & repatriation coverage
- 🏷️ From €58 / month · coverage up to 5 years
→ Complete the application, receive your instant PDF, submit your proof
For the full overview of visa & residence topics see the visa & residence hub.
Full price tables — Care Visa Protect, Care Economy, Care Expatriate
Quick answer: Summary CTAs show registry base prices only. Exact age, duration and deductible rates are shown in the official tables below.
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.
National D-visa bridge — Care Economy (1 day–2 years)
| Care Economy Duration |
Bestsellerup to 64
|
up to 64
|
Bestseller65+
|
65+
|
|---|---|---|---|---|
| no deductible | with deductible | no deductible | with deductible | |
| up to 90 days | €1.18/day | €1.00/day | €3.48/day | €2.95/day |
| 91–180 days | €1.59/day | €1.35/day | €4.37/day | €3.70/day |
| 181–365 days | €2.30/day | €1.95/day | €5.84/day | €4.95/day |
| 366–730 days | €2.83/day | €2.40/day | €9.32/day | €7.90/day |
All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026.
Long-stay residence permit — Care Expatriate (up to 5 years)
| Care Expatriateworldwide without USA, Canada and Mexico |
Basic
|
BestsellerComfort
|
Premium
|
|||
|---|---|---|---|---|---|---|
|
Deductible / yr
150,–
|
Deductible / yr
150,–
|
Deductible / yr
500,–
|
Deductible / yr
0,–
|
Deductible / yr
500,–
|
Deductible / yr
1.000,–
|
|
| Entry age:0–12 (€ / month) | 64,– | 104,– | 81,– | 191,– | 149,– | 117,– |
| Entry age:13–40 (€ / month) | 58,– | 84,– | 63,– | 181,– | 141,– | 109,– |
| Entry age:41–60 (€ / month) | 68,– | 103,– | 77,– | 256,– | 201,– | 156,– |
| Entry age:61–74 (€ / month) | 246,– | 322,– | 248,– | 432,– | 336,– | 263,– |
All prices per month/person in euros. Deductible applies per insurance year. As of 2026.
FAQ — 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. <a href="/en/insurance-plans/care-visa-protect/overview/" class="text-primary underline underline-offset-2">Care Visa Protect from €0.85/day (up to 92 days)</a> 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 <a href="/en/insurance-plans/care-economy/overview/" class="text-primary underline underline-offset-2">Care Economy from €30 / 30 days (up to 2 years)</a> (≤ 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: <a href="/en/insurance-plans/care-visa-protect/overview/" class="text-primary underline underline-offset-2">Care Visa Protect from €0.85/day (up to 92 days)</a> 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 <a href="/en/insurance-plans/care-expatriate/overview/" class="text-primary underline underline-offset-2">Care Expatriate from €58/month (up to 5 years)</a> (up to 5 years per contract). Not sure which lane fits? Try the <a href="/en/tariffinder-germany/" class="text-primary underline underline-offset-2">30-second tariff finder</a>.
Over 10,000 policies issued · Since 2009