--- title: "From €0.85/day – visa refused for insurance reasons Germany" description: "Visa refused because of the health insurance? The most common reasons (cover below €30,000, missing repatriation, wrong scope) plus the recognised lanes for the re-application." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Visa refused because of the health insurance — common reasons and the fix for the German embassy", "description": "Visa refused because of the health insurance? The most common reasons (cover below €30,000, missing repatriation, wrong scope) plus the recognised lanes for the re-application.", "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": "2026-08-31", "dateModified": "2026-09-03", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Schengen Area", "url": "https://en.wikipedia.org/wiki/Schengen_Area" }, { "@type": "Thing", "name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[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": "Visa Rejection Due to Insurance (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-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": "Top 5 reasons a German visa is refused for insurance reasons?", "acceptedAnswer": { "@type": "Answer", "text": "Cover below €30,000 (EU Reg. 810/2009 Art. 15), missing repatriation clause, wrong territorial scope (\"Europe\" instead of \"Schengen\"), gaps between entry and return, and non-admitted insurers. Care Visa Protect (from €0.85/day, HanseMerkur) meets every field on a single bilingual PDF." } }, { "@type": "Question", "name": "Can I reapply immediately after a German visa refusal on insurance grounds?", "acceptedAnswer": { "@type": "Answer", "text": "Fix the flagged field, buy a compliant certificate (Care Visa Protect for Schengen, Care Economy from €30 / 30 days for D-visa bridge, Care Expatriate from €58/month for long stay) and rebook — most consulates offer a slot within 2–4 weeks." } }, { "@type": "Question", "name": "Is a low-cost travel card enough for the German embassy?", "acceptedAnswer": { "@type": "Answer", "text": "No — the embassy needs a policy from an EU/EEA-admitted insurer such as HanseMerkur (Care Visa Protect from €0. Bank travel-insurance perks and travel cards typically miss the repatriation clause or Schengen-wide validity — the two most common refusal triggers. 85/day)." } }, { "@type": "Question", "name": "Does the consulate list the exact refusal reason on the Ablehnungsbescheid?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — section 7 of the standard EU refusal form lists \"no adequate travel medical insurance\" as a tick-box. That tells you which lane to fix — a €30,000/repatriation Schengen policy (Care Visa Protect) or a § 5 AufenthG-compliant long-stay policy (Care Expatriate)." } }, { "@type": "Question", "name": "Can I keep my old refused certificate for the second appointment?", "acceptedAnswer": { "@type": "Answer", "text": "No — visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. The consulate keeps the flagged file and typically requires a freshly issued PDF for the new appointment. Care Visa Protect and Care Economy re-issue the bilingual certificate within minutes at no extra cost." } }, { "@type": "Question", "name": "Can a visa be rejected because of wrong health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Embassies frequently reject Schengen visa applications when the health insurance doesn't meet requirements — insufficient coverage (below €30,000), missing repatriation, or wrong territorial scope. Care Visa Protect is EU Regulation 810/2009 compliant with €50,000 coverage and instant PDF certificate." } }, { "@type": "Question", "name": "What should I do if my Schengen visa was denied due to insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Check the rejection letter for the exact reason, then get compliant insurance (Care Visa Protect covers €50,000, includes repatriation, covers all Schengen states). You can reapply immediately with the corrected certificate — instant PDF delivery by email." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Top 5 reasons a German visa is refused for insurance reasons?", "text": "Top 5 reasons a German visa is refused for insurance reasons?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Cover below €30,000 (EU Reg. 810/2009 Art. 15), missing repatriation clause, wrong territorial scope (\"Europe\" instead of \"Schengen\"), gaps between entry and return, and non-admitted insurers. Care Visa Protect (from €0.85/day, HanseMerkur) meets every field on a single bilingual PDF.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I reapply immediately after a German visa refusal on insurance grounds?", "text": "Can I reapply immediately after a German visa refusal on insurance grounds?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Fix the flagged field, buy a compliant certificate (Care Visa Protect for Schengen, Care Economy from €30 / 30 days for D-visa bridge, Care Expatriate from €58/month for long stay) and rebook — most consulates offer a slot within 2–4 weeks.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is a low-cost travel card enough for the German embassy?", "text": "Is a low-cost travel card enough for the German embassy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — the embassy needs a policy from an EU/EEA-admitted insurer such as HanseMerkur (Care Visa Protect from €0. Bank travel-insurance perks and travel cards typically miss the repatriation clause or Schengen-wide validity — the two most common refusal triggers. 85/day).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the consulate list the exact refusal reason on the Ablehnungsbescheid?", "text": "Does the consulate list the exact refusal reason on the Ablehnungsbescheid?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — section 7 of the standard EU refusal form lists \"no adequate travel medical insurance\" as a tick-box. That tells you which lane to fix — a €30,000/repatriation Schengen policy (Care Visa Protect) or a § 5 AufenthG-compliant long-stay policy (Care Expatriate).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I keep my old refused certificate for the second appointment?", "text": "Can I keep my old refused certificate for the second appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. The consulate keeps the flagged file and typically requires a freshly issued PDF for the new appointment. Care Visa Protect and Care Economy re-issue the bilingual certificate within minutes at no extra cost.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can a visa be rejected because of wrong health insurance?", "text": "Can a visa be rejected because of wrong health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Embassies frequently reject Schengen visa applications when the health insurance doesn't meet requirements — insufficient coverage (below €30,000), missing repatriation, or wrong territorial scope. Care Visa Protect is EU Regulation 810/2009 compliant with €50,000 coverage and instant PDF certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What should I do if my Schengen visa was denied due to insurance?", "text": "What should I do if my Schengen visa was denied due to insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Check the rejection letter for the exact reason, then get compliant insurance (Care Visa Protect covers €50,000, includes repatriation, covers all Schengen states). You can reapply immediately with the corrected certificate — instant PDF delivery by email.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/visa-rejection-due-to-health-insurance-common-reasons-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "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 — €50,000 cover, repatriation, PDF in minutes from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Visa & Residence Germany](/en/guide-health-insurance-germany/visa-residence-germany/) 4. Visa Rejection Due to Insurance (Germany) Visa refused because of the insurance? The top three reasons are: cover below €30,000 (EU Reg. 810/2009 minimum), missing repatriation wording, and the wrong territorial scope. Fix all three with Care Visa Protect — €50,000 cover, repatriation included by default. # Visa refused because of the health insurance — common reasons and the fix for the German embassy 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Visa refused because of the health insurance — German embassy refusal letter and a recognised Care Visa Protect certificate](/assets/visum-fuer-deutschland-schengen-BlAIXY3l.jpg) - [Schengen fix: Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) (€50,000 cover · repatriation · ≤ 92 days) - [D-visa bridge: Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) (national D-visa · up to 2 years) - [Long stay: Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (worldwide · up to 5 years) €50,000 cover sum Repatriation included PDF in minutes Three rules every re-applicant after a visa refusal should know before re-booking the embassy slot: 1. 1 **€30,000 is the minimum, not the target:** [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) provides €50,000 cover — clear safety buffer above the EU minimum. 2. 2 **Repatriation must be on the certificate:** Care Visa Protect includes medical repatriation by default — one of the top refusal reasons solved. 3. 3 **Match the lane to the visa type:** Schengen C-visa → Care Visa Protect from €0.85/day (up to 92 days); national D-visa → Care Economy from €30 / 30 days (up to 2 years); long-stay residence permit → [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/). Refused for the Schengen visa, the D-visa, or a long-stay permit — which lane fixes the file? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the one wording on the certificate that the embassy clerk checks first · why €30,000 cover is the legal minimum but rarely the safe choice · how to re-book the slot the same week without losing the visa fee Sources: EU Regulation 810/2009 (Visa Code) · Auswärtiges Amt · BAMF · HanseMerkur Care Visa Protect AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · Care Concept AG Trusted Providers Care Concept · HanseMerkur · DAK where applicable Visa Proof Proof of insurance for embassy or consulate documents Fast Online Process Receive the available confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 3, 2026** SourcesEU Regulation 810/2009 · 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 ## Visa refused for insurance reasons? Take out a compliant certificate now and re-book the slot — PDF in German + English by email within minutes. [Care Visa Protect (Schengen fix · €50,000 cover) 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 - Visa refused because of the health insurance? The most common reasons are cover below €30,000 (EU Reg. 810/2009 minimum), missing repatriation, and the wrong territorial scope. Care Visa Protect from €0.85/day (up to 92 days) provides €50,000 cover with repatriation included by default — directly above the EU minimum. - For the re-application: pick the lane that matches the visa type. Care Visa Protect from €0.85/day (up to 92 days) for Schengen C-visa (≤ 92 days), Care Economy from €30 / 30 days (up to 2 years) as the D-visa bridge (up to 2 years), Care Expatriate from €58/month (up to 5 years) for the long-stay residence permit (worldwide scope, up to 5 years). - PDF certificate in German + English by email within minutes — re-issuable at no extra cost while the start date is still in the future. Re-book the embassy slot the same week with a recognised certificate that matches every Schengen-Code field. Key facts at a glance Reviewed September 3, 2026 - **EU Reg. 810/2009 minimum cover (€30,000):** Care Visa Protect from €0.85/day (up to 92 days) provides €50,000 cover — well above the EU minimum, with repatriation included by default. (Source: EU Regulation 810/2009 · HanseMerkur Care Visa Protect AVB). - **National D-visa bridge:** Care Economy from €30 / 30 days (up to 2 years) bridges the period between embassy approval and statutory cover. Up to 2 years per contract. Insurer is HanseMerkur Reiseversicherung AG (Hamburg). (Source: HanseMerkur Care Economy AVB). - **Long-stay residence permit:** Care Expatriate from €58/month (up to 5 years), with worldwide territorial scope including the home country. Premium fixed at entry age. Up to 5 years per contract. (Source: HanseMerkur Care Expatriate AVB). ## The seven insurance reasons embassies use to refuse a visa file **Quick answer:** "Why was my visa refused because of the insurance?" — These are the seven points the German embassy checks on the certificate before stamping the file. Fix all of them in the re-application. - Cover sum below €30,000 — EU Reg. 810/2009 sets €30,000 as the minimum for Schengen visa files - Missing repatriation wording — the certificate must explicitly include medical repatriation to the home country - Wrong territorial scope — Germany-only cards are typically refused for the Schengen C-visa appointment - Insurer not on the consulate's accepted list — unknown brands or B2C travel cards are flagged at intake - Deductible (Selbstbeteiligung) too high — Care Visa Protect has zero deductible, no risk of refusal on this point - Validity gap — start date after the planned entry, or end date before the visa-stay end - Wrong lane — using a 92-day Schengen card for a national D-visa or vice-versa is a common automatic refusal ## Three lanes for the re-application — Schengen fix, D-visa bridge, long stay Lane 1 / 3 ### Lane 1 — Schengen C-visa fix (≤ 92 days, €50,000 cover, repatriation included) Care Visa Protect from €0.85/day (up to 92 days); €50,000 cover, well above the €30,000 EU minimum, repatriation included by default. PDF in German + English by email within minutes — re-issuable at no extra cost while the start date is still in the future. **Need:** Care Visa Protect · EU Reg. 810/2009 · ≤ 92 days [Care Visa Protect from €0.85/day (up to 92 days) →](/en/insurance-plans/care-visa-protect/overview/) Lane 2 / 3 ### Lane 2 — National D-visa bridge (>92 days, ≤ 2 years) Care Economy from €30 / 30 days (up to 2 years); exact daily rates depend on duration, entry age and deductible — shown in the official table below. Insurer is HanseMerkur Reiseversicherung AG (Hamburg). Used to bridge between embassy approval and statutory cover for the national D-visa. **Need:** Care Economy · D-visa · ≤ 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 (≤ 5 years, worldwide scope) 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. **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. ## Cover sum vs. repatriation vs. lane mismatch — the three biggest refusal reasons ### Cover below €30,000 (Schengen minimum) **Typical case:** Low-budget travel cards often cover well below the EU minimum. **Why refused:** Automatic refusal — EU Reg. 810/2009 sets €30,000 as the minimum. **Fix:** Care Visa Protect — €50,000 cover, well above the minimum. ### Missing repatriation or wrong scope **Typical case:** Travel cards without explicit repatriation wording, or Germany-only certificates submitted for a Schengen file. **Why refused:** Refused at intake — both points are explicit Schengen-Code requirements. **Fix:** Care Visa Protect — Schengen-wide scope with repatriation included by default. ### Wrong lane (Schengen vs. national D-visa) **Typical case:** Using a 92-day Schengen card for a national D-visa, or a long-stay Incoming card for a Schengen appointment. **Why refused:** Refused — embassies match the lane to the visa type. **Fix:** Care Economy as D-visa bridge; Care Expatriate as long-stay private lane. ## Re-applying without fixing the certificate? The second refusal is automatic ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 🇪🇺 €30,000 minimum Schengen proof must be clear Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Embassy slot soon? Take out a compliant certificate today ## Why act before the embassy appointment Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits. 📅 Appointments can be limited If the proof is missing or unsuitable, preparing corrected documents can cost valuable time. ⚡ PDF certificate after application Care Visa Protect provides the certificate by email after successful online application. 🛡️ €30,000 minimum coverage Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area. 💶 From €0.85/day Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip. ## From quote to compliant certificate — in 3 steps 10 minutes online. Cover sum (€50,000), repatriation and Schengen-wide scope pre-filled per lane. PDF certificate in German + English by email within minutes — re-issuable at no extra cost while the start date is still in the future. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What re-applicants say about Care Visa Protect for the visa refusal fix 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recognised lanes — Schengen fix (primary), D-visa bridge, long-stay residence ✈️ Schengen fix · €50,000 cover ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof 📘 D-visa bridge · up to 2 years ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 🌐 Long stay · worldwide · 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. ### Schengen fix — Care Visa Protect (≤ 92 days) Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ### D-visa bridge — Care Economy (1 day–2 years) Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ### Long-stay 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 — Visa refused because of the health insurance ## Frequently Asked Questions Top 5 reasons a German visa is refused for insurance reasons? Cover below €30,000 (EU Reg. 810/2009 Art. 15), missing repatriation clause, wrong territorial scope ("Europe" instead of "Schengen"), gaps between entry and return, and non-admitted insurers. Care Visa Protect (from €0.85/day, HanseMerkur) meets every field on a single bilingual PDF. Can I reapply immediately after a German visa refusal on insurance grounds? Fix the flagged field, buy a compliant certificate (Care Visa Protect for Schengen, Care Economy from €30 / 30 days for D-visa bridge, Care Expatriate from €58/month for long stay) and rebook — most consulates offer a slot within 2–4 weeks. Is a low-cost travel card enough for the German embassy? No — the embassy needs a policy from an EU/EEA-admitted insurer such as HanseMerkur (Care Visa Protect from €0. Bank travel-insurance perks and travel cards typically miss the repatriation clause or Schengen-wide validity — the two most common refusal triggers. 85/day). Does the consulate list the exact refusal reason on the Ablehnungsbescheid? Yes — section 7 of the standard EU refusal form lists "no adequate travel medical insurance" as a tick-box. That tells you which lane to fix — a €30,000/repatriation Schengen policy (Care Visa Protect) or a § 5 AufenthG-compliant long-stay policy (Care Expatriate). Can I keep my old refused certificate for the second appointment? No — visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. The consulate keeps the flagged file and typically requires a freshly issued PDF for the new appointment. Care Visa Protect and Care Economy re-issue the bilingual certificate within minutes at no extra cost. Can a visa be rejected because of wrong health insurance? Yes. Embassies frequently reject Schengen visa applications when the health insurance doesn't meet requirements — insufficient coverage (below €30,000), missing repatriation, or wrong territorial scope. Care Visa Protect is EU Regulation 810/2009 compliant with €50,000 coverage and instant PDF certificate. What should I do if my Schengen visa was denied due to insurance? Check the rejection letter for the exact reason, then get compliant insurance (Care Visa Protect covers €50,000, includes repatriation, covers all Schengen states). You can reapply immediately with the corrected certificate — instant PDF delivery by email. 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 ## Embassy slot re-booked? Get a compliant certificate now — €50,000 cover, repatriation included, PDF in minutes. [Care Visa Protect (Schengen fix · €50,000 cover) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Expatriate (long stay · up to 5 years) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 3, 2026.