--- title: "From €27.50 — Student Visa Health Insurance Germany 2026" description: "Which health insurance proof do you need for a German student visa, embassy appointment, arrival and university enrolment? Guidance for India, Pakistan, China, Iran, Egypt & more." 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": "Health insurance for the German student visa: proof for embassy, visa application and arrival", "description": "Which health insurance proof do you need for a German student visa, embassy appointment, arrival and university enrolment? Guidance for India, Pakistan, China, Iran, Egypt & more.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-23", "dateModified": "2026-09-14", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "DAK-Gesundheit", "url": "https://de.wikipedia.org/wiki/DAK-Gesundheit" }, { "@type": "Thing", "name": "Techniker Krankenkasse", "url": "https://en.wikipedia.org/wiki/Techniker_Krankenkasse" }, { "@type": "Thing", "name": "AOK", "url": "https://en.wikipedia.org/wiki/AOK" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "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": "Foreign-student health insurance", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/" }, { "@type": "ListItem", "position": 3, "name": "Health insurance for the German student visa", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/" } ] }, { "@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": "Is travel insurance enough for a German student visa?", "acceptedAnswer": { "@type": "Answer", "text": "No — German Missions explicitly state that travel insurance is not sufficient for any long-stay national D visa. Care College, Care Visa Protect, DAK-Gesundheit and Care Student all meet that bar." } }, { "@type": "Question", "name": "Do Indian students need health insurance for a German student visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Indian students applying through VFS Global on behalf of the German missions in New Delhi, Mumbai, Chennai, Kolkata or Bengaluru need a recognised health-insurance certificate in their visa file. The cover should be active from the day of arrival." } }, { "@type": "Question", "name": "What insurance proof do Pakistani students need for the German embassy?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Pakistani students applying at the German embassy in Islamabad or the consulate in Karachi (via Gerry's) need a German-statutory-equivalent certificate. Travel insurance from Pakistani providers is rejected for the D visa. Care College, Care Visa Protect or — once matriculated — DAK-Gesundheit and Care Student are the recognised options." } }, { "@type": "Question", "name": "Can Chinese students use one insurance for visa and university enrolment?", "acceptedAnswer": { "@type": "Answer", "text": "The visa proof and the university M10 notification are different formats: the embassy needs a PDF certificate, the university registrar needs an electronic M10 data exchange. Sometimes. DAK-Gesundheit and Care Student handle both: the PDF for the embassy and residence permit, the M10 transmitted directly to the registrar at matriculation." } }, { "@type": "Question", "name": "Do Iranian students need health insurance before entering Germany?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. Students from Iran must show insurance proof during the visa process at the German embassy in Tehran and must be covered from their first day in Germany. Care College is the standard tariff for the pre-degree language-course / Studienkolleg phase; PhD candidates typically use Care Student or — for longer stays with family — Care Expatriate." } }, { "@type": "Question", "name": "What insurance certificate should Egyptian students prepare for the German embassy?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Egyptian students applying at the German embassy in Cairo or the consulate in Alexandria (TLScontact) should prepare a certificate showing the policyholder name in Latin script, the coverage period including the day of arrival, and an explicit confirmation that the cover is valid for Germany. Care College, Care Visa Protect, DAK-Gesundheit and Care Student all issue such certificates instantly in English and German." } }, { "@type": "Question", "name": "What health insurance do Bangladeshi students need for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "After matriculation at the German university, DAK-Gesundheit (under 30) or Care Student (30+/PhD) takes over via the M10 notification. Same logic as for India and Pakistan: a German-statutory-equivalent certificate (Care College for the language / Studienkolleg phase) submitted with the visa file at the German embassy in Dhaka via VFS." } }, { "@type": "Question", "name": "What health insurance do Moroccan, Tunisian and Vietnamese students need for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Identical structure: Care College or Care Visa Protect for the embassy and arrival phase; DAK-Gesundheit (under 30) or Care Student (30+/PhD) once you matriculate. The German missions in Rabat, Casablanca, Tunis, Hanoi and Ho Chi Minh City all accept the Care Concept and HanseMerkur English/German PDF certificates." } }, { "@type": "Question", "name": "Can students switch from private to public health insurance after enrolment?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. The standard route is: Care College during the language / Studienkolleg phase → matriculation triggers the move to DAK-Gesundheit (statutory student insurance, under 30) or Care Student (recognised private cover for 30+, PhD or GKV-exempt). The switch is handled by the insurer; you keep continuous cover for the residence permit at the Ausländerbehörde." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is travel insurance enough for a German student visa?", "text": "Is travel insurance enough for a German student visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — German Missions explicitly state that travel insurance is not sufficient for any long-stay national D visa. Care College, Care Visa Protect, DAK-Gesundheit and Care Student all meet that bar.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do Indian students need health insurance for a German student visa?", "text": "Do Indian students need health insurance for a German student visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Indian students applying through VFS Global on behalf of the German missions in New Delhi, Mumbai, Chennai, Kolkata or Bengaluru need a recognised health-insurance certificate in their visa file. The cover should be active from the day of arrival.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance proof do Pakistani students need for the German embassy?", "text": "What insurance proof do Pakistani students need for the German embassy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Pakistani students applying at the German embassy in Islamabad or the consulate in Karachi (via Gerry's) need a German-statutory-equivalent certificate. Travel insurance from Pakistani providers is rejected for the D visa. Care College, Care Visa Protect or — once matriculated — DAK-Gesundheit and Care Student are the recognised options.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can Chinese students use one insurance for visa and university enrolment?", "text": "Can Chinese students use one insurance for visa and university enrolment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The visa proof and the university M10 notification are different formats: the embassy needs a PDF certificate, the university registrar needs an electronic M10 data exchange. Sometimes. DAK-Gesundheit and Care Student handle both: the PDF for the embassy and residence permit, the M10 transmitted directly to the registrar at matriculation.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do Iranian students need health insurance before entering Germany?", "text": "Do Iranian students need health insurance before entering Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. Students from Iran must show insurance proof during the visa process at the German embassy in Tehran and must be covered from their first day in Germany. Care College is the standard tariff for the pre-degree language-course / Studienkolleg phase; PhD candidates typically use Care Student or — for longer stays with family — Care Expatriate.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance certificate should Egyptian students prepare for the German embassy?", "text": "What insurance certificate should Egyptian students prepare for the German embassy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Egyptian students applying at the German embassy in Cairo or the consulate in Alexandria (TLScontact) should prepare a certificate showing the policyholder name in Latin script, the coverage period including the day of arrival, and an explicit confirmation that the cover is valid for Germany. Care College, Care Visa Protect, DAK-Gesundheit and Care Student all issue such certificates instantly in English and German.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Bangladeshi students need for Germany?", "text": "What health insurance do Bangladeshi students need for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "After matriculation at the German university, DAK-Gesundheit (under 30) or Care Student (30+/PhD) takes over via the M10 notification. Same logic as for India and Pakistan: a German-statutory-equivalent certificate (Care College for the language / Studienkolleg phase) submitted with the visa file at the German embassy in Dhaka via VFS.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Moroccan, Tunisian and Vietnamese students need for Germany?", "text": "What health insurance do Moroccan, Tunisian and Vietnamese students need for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Identical structure: Care College or Care Visa Protect for the embassy and arrival phase; DAK-Gesundheit (under 30) or Care Student (30+/PhD) once you matriculate. The German missions in Rabat, Casablanca, Tunis, Hanoi and Ho Chi Minh City all accept the Care Concept and HanseMerkur English/German PDF certificates.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can students switch from private to public health insurance after enrolment?", "text": "Can students switch from private to public health insurance after enrolment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. The standard route is: Care College during the language / Studienkolleg phase → matriculation triggers the move to DAK-Gesundheit (statutory student insurance, under 30) or Care Student (recognised private cover for 30+, PhD or GKV-exempt). The switch is handled by the insurer; you keep continuous cover for the residence permit at the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-german-student-visa/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-14", "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 College from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/) 1. [Home](/en/) 2. [Foreign-student health insurance](/en/health-insurance-foreign-students-germany/) 3. Health insurance for the German student visa # Health insurance for the German student visa: proof for embassy, visa application and arrival - [Care College: from €27.50/month](/en/insurance-plans/care-college/overview/) — language course & Studienkolleg, embassy-recognised - [Care Visa Protect: from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) — short bridge cover for pre-arrival / visa-collection window (min €8.50, not a standalone D-visa solution) - [DAK-Gesundheit: from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) — statutory student cover after enrolment, age <30 (M10) - [Care Student: from €101.54/month](/en/insurance-plans/care-student/overview/) — €101.54 for ages 12–29, €127.60 for 30–39; recognised private student cover for eligible 30+, PhD, GKV-exempt cases Sources: § 5 Abs. 1 Nr. 1 AufenthG + § 2 Abs. 3 AufenthG (secured livelihood incl. adequate health cover) · § 5 Abs. 1 Nr. 9 SGB V (statutory student insurance) · § 8 SGB V (GKV exemption) · § 199a SGB V / M10 electronic student notification · German Federal Foreign Office · Make it in Germany · German Missions UK ![Health insurance proof for the German national D student visa — embassy, consulate and university enrolment](/assets/studentenvisum-deutschland-d-visum-ficdSErm.png) **Almost every non-EU student applying for a German national category D student visa must show proof of health insurance — at the visa appointment, before visa collection at the German embassy or consulate, or at the latest from the first day of arrival in Germany.** German Missions in the UK explicitly state that simple tourist travel insurance is not sufficient for any national D visa application: cover must be comparable to German statutory health insurance, valid in Germany, and aligned with the planned study phase (language course, Studienkolleg, bachelor, master, PhD). Some embassies may still request short-term incoming or travel cover for the period before long-term student insurance starts. For the language-course and Studienkolleg phase before official matriculation, [Care College from €27.50/month](/en/insurance-plans/care-college/overview/) is the standard recognised tariff. The short window between visa collection and arrival is bridged by short-term incoming cover such as [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) — a bridge product, not a standalone long-stay D-visa solution. Once you matriculate at a German university, the M10 electronic notification kicks in: under 30 → [DAK-Gesundheit from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/); 30+, PhD or GKV-exempt → [Care Student from €101.54/month](/en/insurance-plans/care-student/overview/). Below: what each German embassy checklist actually asks for, the difference between visa proof and university enrolment proof, country-by-country guidance for India, Pakistan, China, Iran and Egypt, and the recognised tariff for every step of your study journey. Student Coverage DAK-Gesundheit or HanseMerkur student options Enrollment Proof M10 notification for eligible university enrollment flows Visa & University Documents Receive confirmation for visa or enrollment steps where applicable ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 14, 2026** Sources§ 5 AufenthG · § 5 Abs. 1 Nr. 9 SGB V · § 8 SGB V · DVKA / M10 specification · Care Concept AG · HanseMerkur Krankenversicherung AG · DAK-Gesundheit · German Federal Foreign Office 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Pick the recognised tariff for your visa phase — embassy, arrival or university enrolment. [Care College (language / Studienkolleg) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/)[Care Visa Protect (pre-arrival bridge) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[DAK-Gesundheit (under 30) from €135.52/month (open-ended) · statutory after enrolment ](/en/insurance-plans/dak-gesundheit/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/) Key facts at a glance Reviewed September 14, 2026 - **National category D student visa:** Health insurance must be comparable to German statutory cover. Travel insurance is not accepted by German missions for any D visa application. (Source: German Missions UK · German Federal Foreign Office). - **Cover from day 1 of arrival:** Make it in Germany states health insurance is required from the first day of arrival; proof is needed at the latest when collecting the visa at the embassy. (Source: Make it in Germany (Federal Government portal)). - **Pre-enrolment phase (language course / Studienkolleg):** Care College from €27.50/month (≤29) and from €33.50/month (30+) — recognised for the student visa and for Studienkolleg enrolment. (Source: Care College AVB). - **After matriculation (M10 e-notification):** Under 30 → DAK-Gesundheit from €135.52/month (statutory). 30+ / PhD / exempt → Care Student €101.54/month all-in (CCS + PVN + Pflege). (Source: § 5 Abs. 1 Nr. 9 SGB V · § 8 SGB V · DVKA M10). ## Health insurance for the German student visa: what do you actually need? **Quick answer:** For a German national D student visa you need health-insurance cover that is valid in Germany, comparable to German statutory insurance, and aligned with the date you arrive — not the date you enrol. Embassies typically ask for the certificate at the visa appointment or before visa collection. Travel insurance is not accepted. Foreign students applying for a German student visa usually need proof of valid health insurance before entering Germany. The same proof becomes relevant again at several touchpoints: the embassy or consulate appointment, visa collection, the first day of arrival, the residence-permit application at the local Ausländerbehörde, and finally university enrolment (Immatrikulation). The German Federal Government portal Make it in Germany states that health insurance is required from the first day of arrival in Germany, and that proof must be available at the latest when collecting the visa from the German embassy. German Missions in the UK additionally clarify that for any long-stay national D visa, cover must be at the level of German statutory insurance — and that travel insurance is explicitly not sufficient. In practice this means three different "phases" of cover, each matched to a recognised Care Concept tariff: [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) for the short window between visa collection and arrival, [Care College](/en/insurance-plans/care-college/overview/) for language course and Studienkolleg, [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) (or [Care Student](/en/insurance-plans/care-student/overview/) for 30+/PhD) once you matriculate. ## Four mistakes that delay a German student visa **Quick answer:** "Why was my student-visa application rejected?" — most non-EU students stumble on one of four points: travel insurance instead of long-stay cover, an insurance start date set after arrival, no German-language certificate, or a home-country policy not recognised in Germany. The four tariffs above remove each of these risks by default. ## Avoid the mistakes that can delay your application ### Schengen proof missing? For short Schengen stays, choose insurance that meets the €30,000 minimum-coverage requirement. ### Short stay or longer stay? Care Visa Protect fits many 1–92 day Schengen visits; Care Economy may fit longer or more flexible stays. ### Wrong insurance can cost time Before your embassy appointment, check that the proof matches your visa type, dates and destination. ### Multiple entries planned? If you travel more than once, check the multiple-entry option and the annual day limit before applying. ## What happens when the embassy rejects your insurance proof ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 🛂 1 wrong certificate Visa appointment at risk Wrong dates, missing coverage details, unclear validity area or missing repatriation wording can delay your documents exactly when time matters. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Visa-collection windows are tight — secure the certificate first ## Why act before the visa appointment Visa appointments can be hard to reschedule. Missing or unsuitable insurance proof can create avoidable delay exactly when time matters. 📅 Appointment pressure If your documents are incomplete, you may need extra time to prepare corrected proof. 📄 Certificate must fit Check coverage amount, validity dates, destination area and repatriation wording before the appointment. ⚡ PDF proof after application Several online tariffs provide a PDF certificate after successful application. 🛡️ Avoid last-minute panic Choose the right insurance before submitting your visa file, not after a document problem appears. ## Do German embassies require proof of health insurance? **Quick answer:** Yes — but the exact moment differs by mission. Some German embassies (for example in Islamabad, Tehran, New Delhi or Cairo) ask for the certificate already at the visa appointment; others request it before the visa is issued or collected. Always check the checklist of the responsible German mission for your country before booking the appointment. The general requirement — health insurance comparable to German statutory cover, valid for Germany, with a coverage start no later than your day of arrival — is identical everywhere. What differs is when the embassy or consulate wants to physically see the certificate and the document language they accept (some missions ask for an English or German certificate, while local-language travel-insurance papers are routinely rejected for the D visa). Care Concept and HanseMerkur certificates are issued instantly in English and German and are designed for visa, embassy and authority proof — including missions handling student-visa appointments for India, Pakistan, China, Iran, Egypt, Bangladesh, Morocco, Tunisia, Vietnam, Syria, Turkey, Ukraine and Russia (commonly via TLScontact, VFS, Gerry's, iDATA or BLS document partners). Final acceptance always depends on the responsible German embassy, consulate or foreigners' authority. ## Health insurance from the first day in Germany **Quick answer:** Your insurance must already be active when you land — not when you collect your residence permit. The recognised tariff depends on the phase of study you arrive into: language course, Studienkolleg, degree start, or PhD/post-enrolment. Situation on arrival What you need to know Recognised tariff You arrive before university enrolment Statutory student insurance has not started yet — you need private/incoming cover until matriculation [Care College from €27.50/month](/en/insurance-plans/care-college/overview/) You enter for a language course Statutory student insurance is not available — language students are not §-5 SGB V eligible [Care College](/en/insurance-plans/care-college/overview/) or [language-school guide](/en/health-insurance-foreign-students-germany/health-insurance-language-school-germany/) You enter for Studienkolleg Same as language course — private student or incoming cover is needed until you matriculate at the partner university [Studienkolleg guide](/en/health-insurance-foreign-students-germany/preparatory-college-health-insurance-germany/) · Care College You start a degree later in the semester An M10 electronic notification from a recognised insurer is needed for matriculation [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) (<30) or [Care Student](/en/insurance-plans/care-student/overview/) (30+/PhD) You apply for a residence permit at the Ausländerbehörde Valid health insurance is checked again under § 5 AufenthG — your certificate must still be active on the appointment date Same tariff as your study phase (continuity is what counts) Study in Germany also confirms that health insurance proof is required when enrolling at university and again when applying for the student residence permit — the same certificate must cover both. ## Visa health insurance vs. university enrolment insurance **Quick answer:** Visa proof and university enrolment proof are connected but not identical. Visa proof is a paper/PDF certificate the embassy accepts; enrolment proof is an electronic M10 notification the insurer sends directly to the university registrar (Studierendensekretariat). One tariff family handles both — the certificate evolves with your status. For the embassy and the residence-permit appointment you need a certificate that names the insured, lists the coverage period and confirms the cover is valid for Germany. For matriculation, the university expects an M10 electronic notification — a digital data exchange transmitted directly from the insurer to the registrar's office, completed in seconds, no paper certificate involved. With statutory insurance such as DAK-Gesundheit (under 30), the M10 notification is sent directly to the university registrar. With private student cover such as Care Student (30+, PhD, GKV-exempt), the registrar typically receives an exemption-route status notification (Befreiung from § 5 SGB V) so the same electronic data exchange completes — paper forms are no longer accepted by German universities. See the dedicated [guide on health insurance for university enrolment](/en/health-insurance-foreign-students-germany/health-insurance-for-international-students-germany/) and the [statutory student-insurance overview](/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/). ## Health insurance for students from India, Pakistan, China and other non-EU countries **Quick answer:** Many German student-visa applicants come from non-EU countries — India, Pakistan, China, Iran, Egypt, Bangladesh, Morocco, Tunisia, Vietnam, Syria, Turkey, Ukraine and Russia. The local German embassy or consulate may ask for health-insurance proof during the visa application, before visa collection or before entry into Germany. The exact checklist differs by country, but the core requirement is identical: cover valid for Germany, starting no later than your day of arrival, matched to your study phase. ### Health insurance for Indian students in Germany Indian students applying for a German student visa typically book the appointment through VFS Global on behalf of the German missions in New Delhi, Mumbai, Chennai, Kolkata or Bengaluru. The health-insurance certificate is commonly requested during the student-visa process or before the visa is issued — the insurance should already be active or scheduled to start from your day of arrival, and it must be suitable for the planned study phase. If you arrive for a German language course (typically 6–12 months) before starting a bachelor or master degree, statutory student insurance is not yet available; [Care College from €27.50/month](/en/insurance-plans/care-college/overview/) is the recognised tariff for that phase. Once you matriculate at the German university, the M10 notification kicks in: under 30 → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) (statutory student insurance), 30+ / PhD → [Care Student](/en/insurance-plans/care-student/overview/). ### Health insurance for Pakistani students in Germany Pakistani students apply through the German embassy in Islamabad or the consulate in Karachi, with appointment slots typically managed via Gerry's. The student-visa checklist consistently lists health-insurance proof — and the certificate must be a German-style cover, not a Pakistani travel-insurance policy. Simple tourist travel insurance alone is usually not sufficient for a long-stay D visa. For Pakistani students arriving for a Studienkolleg or DSH/TestDaF language course before degree start, [Care College](/en/insurance-plans/care-college/overview/) covers the embassy and arrival phase. After matriculation, the M10 confirmation is sent directly to the university by [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) (under 30) or [Care Student](/en/insurance-plans/care-student/overview/) (30+ / PhD / exempt). Combine with a [German blocked account from €4.90/month](/en/blocked-account-visa-germany/) to satisfy the funds requirement of the visa file. ### Health insurance for Chinese students in Germany Chinese students typically pass through APS (Akademische Prüfstelle) before booking the German embassy or consulate appointment in Beijing, Shanghai, Guangzhou, Chengdu or Shenyang. The health-insurance certificate is typically checked at the visa interview — a Care Concept or HanseMerkur certificate, issued in English and German, is the recognised type of proof for these missions. Many Chinese students arrive for a one- or two-semester language course before the actual degree starts. Statutory student insurance only kicks in at matriculation, so the language-course phase is covered by [Care College](/en/insurance-plans/care-college/overview/); the degree phase is covered by [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) (under 30) or [Care Student](/en/insurance-plans/care-student/overview/) (30+ / PhD). ### Health insurance for Iranian students in Germany Iranian students apply at the German embassy in Tehran. Because appointment and processing times can be long, Iranian students should prepare the insurance certificate early — the certificate language (English/German), the insured name (transliteration must match the passport), and the coverage period are all checked carefully. Many Iranian students start with a language course or Studienkolleg before degree admission; [Care College](/en/insurance-plans/care-college/overview/) covers that phase. PhD candidates and post-doctoral researchers — common for Iranian applicants — typically use [Care Student](/en/insurance-plans/care-student/overview/) or, for longer stays with a family, [Care Expatriate](/en/insurance-plans/care-expatriate/overview/). ### Health insurance for Egyptian students in Germany Egyptian students apply at the German embassy in Cairo or the consulate in Alexandria, with TLScontact handling appointment logistics. Egyptian student-visa files routinely include the health-insurance certificate from the start — the embassy expects a clear coverage period, the policyholder name in Latin script (matching the passport), and explicit confirmation that the cover is valid in Germany. Pre-degree language course or Studienkolleg → [Care College](/en/insurance-plans/care-college/overview/). After matriculation → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) (under 30) or [Care Student](/en/insurance-plans/care-student/overview/) (30+ / PhD / GKV-exempt). ## Other origin countries — Bangladesh, Morocco, Tunisia, Vietnam, Syria, Turkey, Ukraine, Russia The same logic applies to other non-EU origin countries: an embassy-recognised certificate (Care Visa Protect for the pre-arrival window, Care College for the language/Studienkolleg phase) and an M10-capable tariff (DAK-Gesundheit or Care Student) once you matriculate. The table below maps the search phrases students from each country typically use. Country Common embassy / centre Recognised tariff path Bangladesh German embassy Dhaka (VFS) [Care College](/en/insurance-plans/care-college/overview/) → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) / [Care Student](/en/insurance-plans/care-student/overview/) Morocco German embassy Rabat / consulate Casablanca [Care College](/en/insurance-plans/care-college/overview/) → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) / [Care Student](/en/insurance-plans/care-student/overview/) Tunisia German embassy Tunis [Care College](/en/insurance-plans/care-college/overview/) → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) / [Care Student](/en/insurance-plans/care-student/overview/) Vietnam German embassy Hanoi / consulate HCMC (TLScontact) [Care College](/en/insurance-plans/care-college/overview/) → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) / [Care Student](/en/insurance-plans/care-student/overview/) Syria German missions in Beirut / Amman / Istanbul [Care College](/en/insurance-plans/care-college/overview/) → [Care Student](/en/insurance-plans/care-student/overview/) / [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) Turkey German embassy Ankara / consulates Istanbul, Izmir, Antalya (iDATA) [Care College](/en/insurance-plans/care-college/overview/) → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) / [Care Student](/en/insurance-plans/care-student/overview/) Ukraine German missions Kyiv / temporary processing in EU [Care College](/en/insurance-plans/care-college/overview/) → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) / [Care Student](/en/insurance-plans/care-student/overview/) Russia German embassy Moscow / consulates St. Petersburg, Yekaterinburg, Novosibirsk [Care College](/en/insurance-plans/care-college/overview/) → [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) / [Care Student](/en/insurance-plans/care-student/overview/) ## Does the German embassy checklist differ by country? **Quick answer:** Yes — at the procedural level. The general requirement (German-statutory-equivalent cover, valid for Germany, active from arrival) is the same everywhere, but the document checklist, certificate language requirements and timing of the proof differ between the German embassies in India, Pakistan, China, Iran, Egypt and other non-EU posts. Always verify the local checklist before the appointment. Example differences: New Delhi and Islamabad usually accept the certificate at the visa appointment via VFS / Gerry's; Tehran often requests it earlier in the file; Beijing, Shanghai and Guangzhou check it during the interview with the visa officer; Cairo and Alexandria handle it through TLScontact. The Care Concept and HanseMerkur certificates we recommend are issued in English and German on the same PDF — accepted at every post we are aware of. ## From booking to embassy certificate — in 3 steps ## 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 non-EU students from India, Pakistan, China, Iran and Egypt say about Care College, Care Visa Protect, DAK-Gesundheit and Care Student for the German student visa — embassy-accepted PDF certificate, M10 e-notification to the university registrar, and continuous cover from visa collection to matriculation 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs by study phase 📚 Language / Studienkolleg ### Care College from only €27.50 / month (coverage up to 5 years) For language schools, Studienkolleg, DSH, continuing education, visiting researchers & educational stays - Proof of insurance for visas & immigration authorities quickly available (PDF) - Affordable health insurance from €27.50 / month - Doctor, hospital, prescription medication & dental treatment coverage - For educational stays in Germany or the EU/Schengen Area — except Austria - Suitable for language students, Studienkolleg, DSH, continuing education & visiting researchers - Coverage up to 5 years – less renewal stress - 3 plan levels available: Basic, Comfort & Premium - 24/7 assistance + digital insurance card - Coverage term: 1 month to 5 years · entry age up to 40 - Reputable insurance carrier Why Care College? For foreign nationals with an educational stay who need affordable health insurance and proof of coverage for authorities — suitable for language school, Studienkolleg, DSH, continuing education or visiting researchers. Why a 5-year coverage term? More planning security during training, language courses or study preparation: less renewal stress and a lower risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €27.50 / month · coverage up to 5 years [Care College – Quick Overview](/en/insurance-plans/care-college/plan-details/) [Apply online now](/en/insurance-plans/care-college/apply/) → Complete the application, receive your instant PDF, submit your proof ✈️ Pre-arrival window ### 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 🎓 Statutory · under 30 ### DAK-Gesundheit Students from €145.52 / month (effectively from €135.52 with DAK Garantietarif 120 possible) For international students in Germany up to age 29 - Accepted for university enrollment – electronic M10 notification - Visa confirmation directly after application - Statutory health insurance + mandatory long-term care insurance included - Doctor, dentist, hospital, pharmacy & prescription medication coverage - Health insurance card for medical treatment in Germany - Apply online from your home country – no German address required - Save €120 per year with DAK Garantietarif 120 possible - Alternative: DAK Fit & Travel with additional benefits - 2026 contributions: from €145.52 · effectively from €135.52 possible - Reputable statutory health insurance provider Why DAK-Gesundheit? For international students in Germany who need statutory health insurance for a visa, university and enrollment — including M10 notification and a health insurance card. Why statutory student health insurance? More security for your studies and enrollment: full statutory health coverage, electronic notification to the university and clear acceptance for enrollment. - 🏛️ DAK-Gesundheit - 📄 M10 notification + visa confirmation after application - 🔒 Doctor, dentist, clinic, pharmacy & prescription medication - 🏷️ From €145.52 / month · effectively from €135.52 possible [DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit/apply/) → Complete the application, receive visa confirmation, secure your M10 notification 🛡️ 30+ / PhD / exempt ### Care Student from €101.54 / month (coverage up to 5 years) For international students in Germany: bachelor's, master's, doctoral studies & eligible university enrollment cases - Accepted for university enrollment – electronic M10 notification - Health insurance + mandatory long-term care insurance from €101.54/month - Save at least €50/month compared with statutory student health insurance - For bachelor's, master's, doctoral studies & eligible university enrollment flows - Private-patient status: free choice of doctor, often faster appointments - Doctor, hospital, prescription medication & dental treatment coverage - Support with exemption from statutory health insurance - Recognized by universities and immigration authorities - Coverage term up to 5 years · entry age 12–39 - Reputable insurance carrier Why Care Student? For international students in Germany who need private health insurance for enrollment, M10 notification and proof of coverage for authorities — with strong benefits and potential savings compared with statutory health insurance. Why a 5-year coverage term? More planning security during your studies: less renewal stress and a lower risk of a coverage gap during a bachelor's, master's, doctoral program or eligible university enrollment case. - 🏛️ HanseMerkur Insurance AG - 📄 M10 notification + proof for universities & immigration authorities - 🔒 Doctor, clinic, dental treatment & prescription medication - 🏷️ From €101.54 / month · coverage up to 5 years [Care Student – Quick Overview](/en/insurance-plans/care-student/plan-details/) [Apply online now](/en/insurance-plans/care-student/apply/) → Complete the application, secure your M10 notification, prepare for enrollment Need a blocked account too? [German blocked account (Sperrkonto) for the student visa](/en/blocked-account-visa-germany/) from €4.90/month satisfies the funds requirement of the visa file. New here? Start with the [foreign-student health-insurance overview](/en/health-insurance-foreign-students-germany/). ## Care College — full pricing for the visa & pre-enrolment phase **Quick answer:** Care College starts at €27.50/month for students up to age 29 (Basic, months 1–24) and at €33.50/month from age 30. The maximum monthly premium is €99 (Premium, age 30+, month 25 onwards). Recognised for the German student visa, language course and Studienkolleg. Care College Basic Bestseller Comfort Premium Deductible / yr 120,– Deductible / yr 0,– Deductible / yr 0,– Months 1–24 month up to 29 yrs (€ / month) 27,50 34,– 48,– Months 1–24 month from 30 yrs (€ / month) 33,50 50,– 75,– From 25th month up to 29 yrs (€ / month) 49,50 57,– 73,– From 25th month from 30 yrs (€ / month) 55,– 73,– 99,– All prices per month/person in euros. Deductible applies per insurance year. Maximum entry age 40. As of 2026. [Care College — Overview](/en/insurance-plans/care-college/overview/) [Apply now](/en/insurance-plans/care-college/overview/) ## Care Visa Protect — pre-arrival cover from €0.85/day **Quick answer:** Care Visa Protect costs from €0.85/day with a minimum premium of €8.50. Covers ages 0–74 for 1–92 days, conforms to EU Regulation 810/2009 for Schengen-style cover, and is the standard bridge between visa collection and the day you actually arrive in Germany. 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/) ## DAK-Gesundheit — statutory student insurance after enrolment **Quick answer:** DAK-Gesundheit student insurance starts at approx. €135.52/month (with-kid bracket €145.52/month, childless from age 23 €150.65/month). The premium already includes long-term care insurance and is the statutory student tariff for under-30s. Insured benefits DAK-Gesundheit Bestseller DAK + Garantietarif 120 DAK + Fit & Travel up to age 23 €145.52 / month €145.52 €135.52 / month €145.52 / month up to age 29, childless €150.65 / month €150.65 €140.65 / month €150.65 / month up to age 29, with 1 child €145.52 / month €145.52 €135.52 / month €145.52 / month Bonus / extra benefit — saves €120/year free for under 39 Contribution incl. long-term care insurance (childless from age 23). Garantietarif 120: €120 contribution refund per year if no claims are filed. Fit & Travel: free for insured persons under 39. Entry age up to 29, term for the duration of studies (max. 14 specialist semesters / age 30). As of 2026. [DAK Students — Overview](/en/insurance-plans/dak-gesundheit/overview/) [Apply now](/en/insurance-plans/dak-gesundheit/overview/) ## Care Student — from €101.54/month for 30+, PhD and GKV-exempt students **Quick answer:** Care Student costs €101.54/month all-in for ages 12–29 (CCS health €35 + PVN supplement €58.04 + Pflegeversicherung €8.50) and €127.60/month for ages 30–39. Covers ages 12–39 for up to 60 months — the standard recognised private student tariff for eligible students over 30, PhD candidates and GKV-exempt cases under § 8 SGB V (final eligibility depends on age and status). Care Student Health insurance for students Compulsory long-term care for students Total 12–29 years 69,62 € / month 31,92 € / month 101,54 € / month 30–39 years 95,68 € / month 31,92 € / month 127,60 € / month All prices per month/person in euros. Health insurance deductible: €300 per calendar year. Entry age 12–39, term up to 60 months. Premium guarantee for the full term. As of 2026. [Care Student — Overview](/en/insurance-plans/care-student/overview/) [Apply now](/en/insurance-plans/care-student/overview/) ## Health insurance cost for a German student visa **Quick answer:** "How much does student health insurance in Germany cost?" — short-term bridge cover starts from a daily rate, language-course / Studienkolleg insurance from a low monthly private tariff, and statutory student insurance after enrolment is more expensive but offers full public coverage. Students over 30, PhD candidates and GKV-exempt students typically use private student insurance instead. Typical 2026 price points for international students in Germany: [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) (short bridge cover, min €8.50), [Care College from €27.50/month](/en/insurance-plans/care-college/overview/) (incoming health insurance for students Germany — language course and Studienkolleg), [DAK-Gesundheit from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (public / statutory health insurance for students in Germany under 30), and [Care Student from €101.54/month](/en/insurance-plans/care-student/overview/) (private health insurance for students in Germany — eligible 30+, PhD or GKV-exempt). The student health insurance Germany cost ladder therefore goes from "insurance before public health insurance starts Germany" (Care Visa Protect → Care College) up to "statutory health insurance for students in Germany" (DAK after matriculation). ## Health insurance for PhD students applying for a German visa **Quick answer:** PhD students do not always follow the same insurance route as bachelor's or master's students. The correct cover depends on whether the PhD candidate is enrolled as a student, employed by the university, funded by a scholarship, self-funded, or arriving as a researcher. For the visa phase, the certificate must show valid health insurance for Germany from the first day of arrival. For university enrolment or residence-permit purposes, the required proof may differ depending on employment and enrolment status. Enrolled PhD students typically use [Care Student](/en/insurance-plans/care-student/overview/); PhD candidates with a long-stay setup or family in Germany often choose [Care Expatriate](/en/insurance-plans/care-expatriate/overview/). Scholarship-funded researchers should confirm with the funder whether private student cover or statutory insurance is expected. ## Health insurance for international students in Germany **Quick answer:** International students in Germany need health insurance for several steps: the German student visa, entry into Germany, the residence permit, university enrolment and medical treatment during studies. Non-EU students usually start with visa-stage proof; EU students may rely on EHIC or obtain recognition from a German statutory health insurance provider. Study in Germany confirms that international students need proof of health insurance both for university enrolment and for the residence-permit application. The same Care Concept or HanseMerkur certificate works for the embassy, the Ausländerbehörde and (via M10 / exemption route) the university registrar — making [Care College](/en/insurance-plans/care-college/overview/) and [Care Student](/en/insurance-plans/care-student/overview/) the standard incoming health insurance for students Germany uses for visa, language course, exchange semester and degree start. ## What about EU students and EHIC? **Quick answer:** EU students usually do not need a German student visa, but they still need valid health insurance for university enrolment. In many cases an EHIC card or home-country statutory insurance can be recognised by a German statutory health insurance provider. The university still needs an electronic status notification before enrolment. For EU exchange students, an EHIC normally covers medically necessary treatment during the stay; for full degree enrolment, registering with a German statutory fund such as DAK-Gesundheit makes long-term enrolment, M10 and residence-related processes simpler. Non-EU students should still rely on the recognised tariffs above — [Care College](/en/insurance-plans/care-college/overview/), [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) or [Care Student](/en/insurance-plans/care-student/overview/). ## Frequently asked questions — German student visa health insurance ## Frequently Asked Questions Is travel insurance enough for a German student visa? No — German Missions explicitly state that travel insurance is not sufficient for any long-stay national D visa. Care College, Care Visa Protect, DAK-Gesundheit and Care Student all meet that bar. Do Indian students need health insurance for a German student visa? Yes — Indian students applying through VFS Global on behalf of the German missions in New Delhi, Mumbai, Chennai, Kolkata or Bengaluru need a recognised health-insurance certificate in their visa file. The cover should be active from the day of arrival. What insurance proof do Pakistani students need for the German embassy? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Pakistani students applying at the German embassy in Islamabad or the consulate in Karachi (via Gerry's) need a German-statutory-equivalent certificate. Travel insurance from Pakistani providers is rejected for the D visa. Care College, Care Visa Protect or — once matriculated — DAK-Gesundheit and Care Student are the recognised options. Can Chinese students use one insurance for visa and university enrolment? The visa proof and the university M10 notification are different formats: the embassy needs a PDF certificate, the university registrar needs an electronic M10 data exchange. Sometimes. DAK-Gesundheit and Care Student handle both: the PDF for the embassy and residence permit, the M10 transmitted directly to the registrar at matriculation. Do Iranian students need health insurance before entering Germany? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. Students from Iran must show insurance proof during the visa process at the German embassy in Tehran and must be covered from their first day in Germany. Care College is the standard tariff for the pre-degree language-course / Studienkolleg phase; PhD candidates typically use Care Student or — for longer stays with family — Care Expatriate. What insurance certificate should Egyptian students prepare for the German embassy? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Egyptian students applying at the German embassy in Cairo or the consulate in Alexandria (TLScontact) should prepare a certificate showing the policyholder name in Latin script, the coverage period including the day of arrival, and an explicit confirmation that the cover is valid for Germany. Care College, Care Visa Protect, DAK-Gesundheit and Care Student all issue such certificates instantly in English and German. What health insurance do Bangladeshi students need for Germany? After matriculation at the German university, DAK-Gesundheit (under 30) or Care Student (30+/PhD) takes over via the M10 notification. Same logic as for India and Pakistan: a German-statutory-equivalent certificate (Care College for the language / Studienkolleg phase) submitted with the visa file at the German embassy in Dhaka via VFS. What health insurance do Moroccan, Tunisian and Vietnamese students need for Germany? Identical structure: Care College or Care Visa Protect for the embassy and arrival phase; DAK-Gesundheit (under 30) or Care Student (30+/PhD) once you matriculate. The German missions in Rabat, Casablanca, Tunis, Hanoi and Ho Chi Minh City all accept the Care Concept and HanseMerkur English/German PDF certificates. Can students switch from private to public health insurance after enrolment? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. The standard route is: Care College during the language / Studienkolleg phase → matriculation triggers the move to DAK-Gesundheit (statutory student insurance, under 30) or Care Student (recognised private cover for 30+, PhD or GKV-exempt). The switch is handled by the insurer; you keep continuous cover for the residence permit at the Ausländerbehörde. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Embassy appointment booked? Pick the recognised tariff for your visa phase. [Care College (language / Studienkolleg) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/)[Care Visa Protect (pre-arrival bridge) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[DAK-Gesundheit (under 30) from €135.52/month (open-ended) · statutory after enrolment ](/en/insurance-plans/dak-gesundheit/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 14, 2026.