--- title: "From €0.85/day · Schengen Visa Health Insurance Germany 2026" description: "Schengen visa health insurance for Germany: €30,000 minimum cover, repatriation, valid in all Schengen states. 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Care Visa Protect from €0.85/day.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-04", "dateModified": "2026-09-03", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [ { "@type": 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valid in all 27 Schengen states for the full trip length." }, { "@type": "HowToStep", "position": 2, "name": "Enter traveller details and pay", "text": "Provide name, date of birth and trip dates. Payment is online; no medical examination is required for short stays under 92 days." }, { "@type": "HowToStep", "position": 3, "name": "Receive the PDF certificate by email", "text": "The bilingual policy certificate is sent by email, typically within minutes, in a format that matches the wording German consulates expect." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Schengen visa health insurance glossary", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Schengen Area", "description": "Group of 27 European states that have abolished internal border controls; a short-stay visa allows up to 90 days in any 180-day period across the whole area.", "sameAs": "https://en.wikipedia.org/wiki/Schengen_Area", "inDefinedTermSet": "Schengen visa health insurance glossary" }, { "@type": "DefinedTerm", "name": "Medical repatriation", "description": "Cover for medically necessary transport of a patient back to their home country when local treatment is not possible; mandatory under EU Regulation 810/2009 for Schengen visa applicants.", "inDefinedTermSet": "Schengen visa health insurance glossary" }, { "@type": "DefinedTerm", "name": "EU Regulation 810/2009", "description": "Community Code on Visas. Sets the legal minimum travel medical insurance for a Schengen short-stay visa at €30,000 cover for medical treatment and emergency repatriation, valid in all member states.", "sameAs": "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009R0810", "inDefinedTermSet": "Schengen visa health insurance glossary" } ] }, { "@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": "Visa & Schengen for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/" }, { "@type": "ListItem", "position": 3, "name": "Schengen Visa Health Insurance for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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": "Is travel insurance required for a Schengen visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — without that certificate, the German embassy will refuse the visa application." } }, { "@type": "Question", "name": "How much travel insurance is required for a Schengen visa?", "acceptedAnswer": { "@type": "Answer", "text": "The minimum sum insured is €30,000 for medical treatment and emergency repatriation. Care Visa Protect provides up to €50,000 — well above the legal minimum — from €0.85/day (minimum €8.50 per trip)." } }, { "@type": "Question", "name": "What are the Schengen visa insurance requirements for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The certificate must show: (1) at least €30,000 medical cover, (2) medically necessary repatriation, (3) validity in all 27 Schengen states, and (4) the full duration of the planned stay. The PDF from Care Visa Protect is formatted to match this exact embassy wording." } }, { "@type": "Question", "name": "How much does Schengen travel insurance for Germany cost?", "acceptedAnswer": { "@type": "Answer", "text": "For Schengen visa applicants up to age 64, Care Visa Protect starts at €0.85/day with a minimum premium of €8.50 per trip; for ages 65–74 the daily rate is €2.60. A typical 14-day trip therefore lands between €12 and €37, well below the cost of most rejected-visa rebookings." } }, { "@type": "Question", "name": "Is travel insurance mandatory for a Schengen short-stay visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — EU Regulation 810/2009 makes travel medical insurance a mandatory part of every Schengen short-stay visa application. The minimum is €30,000 medical and emergency repatriation cover, valid across all member states for the full trip." } }, { "@type": "Question", "name": "What is the difference between Schengen travel insurance and a regular travel insurance policy?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect provides the medical part required by EU Regulation 810/2009; you can bundle cancellation cover separately if you wish. A regular travel insurance policy often focuses on trip cancellation, baggage and delays. Schengen travel insurance specifically covers medical treatment, hospitalisation and emergency repatriation, and lists the cover sum in a wording German consulates recognise." } }, { "@type": "Question", "name": "How long can I stay in Germany on a Schengen visa, and does my insurance need to match?", "acceptedAnswer": { "@type": "Answer", "text": "A short-stay Schengen visa allows up to 90 days in any 180-day period across the whole Schengen Area. The travel health insurance certificate must cover every day of that stay; for stays longer than 92 days a long-stay (D-visa) and a visitor health insurance plan such as Care Economy take over." } }, { "@type": "Question", "name": "Can I use the same Schengen travel insurance certificate at other EU consulates (France, Italy, Spain)?", "acceptedAnswer": { "@type": "Answer", "text": "The legal minimum (€30,000 medical cover plus repatriation, valid in all Schengen states) is identical at every consulate. Care Visa Protect is written to that EU-wide minimum, so the same certificate can in the normal course of events be used for an Italian, French or Spanish Schengen visa application — confirm the consulate's local wording requirements before submission." } }, { "@type": "Question", "name": "Where can I buy travel insurance for a Schengen visa to Germany online?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. Schengen-compliant travel medical insurance can be purchased entirely online before the embassy appointment. After payment, the insurance certificate (PDF) is typically delivered by email within minutes, in the wording German consulates expect to see. Care Visa Protect is available online via this site; well-known alternatives in the same market segment include AXA Schengen, Europ Assistance, Allianz Travel, ADAC Auslandskrankenversicherung and Mawista Visum." } }, { "@type": "Question", "name": "How many days of travel insurance do I need for my Schengen visa application?", "acceptedAnswer": { "@type": "Answer", "text": "For multi-entry visas the policy needs to remain valid across the whole window in which you may travel, up to the 90-days-in-any-180-day limit. The certificate must cover every day of the planned stay in the Schengen Area, from the first entry date to the final exit date stated in the visa application. Care Visa Protect can be issued for 1 to 92 days per trip; for longer stays a visitor health insurance plan such as Care Economy takes over." } }, { "@type": "Question", "name": "What is the minimum medical cover for a Schengen visa?", "acceptedAnswer": { "@type": "Answer", "text": "€30,000 plus medically necessary repatriation, valid in all Schengen states for the entire trip duration. Care Visa Protect meets this from €0.85/day." } }, { "@type": "Question", "name": "Is Care Visa Protect accepted by every German embassy?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Visa Protect is regularly recognized under § 5 AufenthG by all German embassies and consulates worldwide for Schengen visa applications." } }, { "@type": "Question", "name": "Can I extend Care Visa Protect after the visa is issued?", "acceptedAnswer": { "@type": "Answer", "text": "No — Care Visa Protect must be purchased before travel and covers up to 92 days per entry. For longer stays, switch to Care Economy or Care Expatriate after arrival." } }, { "@type": "Question", "name": "How much does Schengen visa health insurance cost?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect starts at €0.85/day for ages up to 64 with a €8.50 minimum premium per trip, and €2.60/day for ages 65–74. For longer national D-visa stays up to two years, Care Economy is available from €30 per 30 days." } }, { "@type": "Question", "name": "Can I buy Schengen visa insurance after arriving in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. For the visa application at the German consulate the certificate must be purchased before entry, since embassies require the proof up front. If you are already in Germany and need cover for a permitted stay, Care Economy can be taken out after arrival." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is travel insurance required for a Schengen visa to Germany?", "text": "Is travel insurance required for a Schengen visa to Germany?", "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 — without that certificate, the German embassy will refuse the visa application.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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": "How much travel insurance is required for a Schengen visa?", "text": "How much travel insurance is required for a Schengen visa?", "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": "The minimum sum insured is €30,000 for medical treatment and emergency repatriation. Care Visa Protect provides up to €50,000 — well above the legal minimum — from €0.85/day (minimum €8.50 per trip).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 are the Schengen visa insurance requirements for Germany?", "text": "What are the Schengen visa insurance requirements for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The certificate must show: (1) at least €30,000 medical cover, (2) medically necessary repatriation, (3) validity in all 27 Schengen states, and (4) the full duration of the planned stay. The PDF from Care Visa Protect is formatted to match this exact embassy wording.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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": "How much does Schengen travel insurance for Germany cost?", "text": "How much does Schengen travel insurance for Germany cost?", "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": "For Schengen visa applicants up to age 64, Care Visa Protect starts at €0.85/day with a minimum premium of €8.50 per trip; for ages 65–74 the daily rate is €2.60. A typical 14-day trip therefore lands between €12 and €37, well below the cost of most rejected-visa rebookings.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 travel insurance mandatory for a Schengen short-stay visa?", "text": "Is travel insurance mandatory for a Schengen short-stay visa?", "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 — EU Regulation 810/2009 makes travel medical insurance a mandatory part of every Schengen short-stay visa application. The minimum is €30,000 medical and emergency repatriation cover, valid across all member states for the full trip.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 is the difference between Schengen travel insurance and a regular travel insurance policy?", "text": "What is the difference between Schengen travel insurance and a regular travel insurance policy?", "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": "Care Visa Protect provides the medical part required by EU Regulation 810/2009; you can bundle cancellation cover separately if you wish. A regular travel insurance policy often focuses on trip cancellation, baggage and delays. Schengen travel insurance specifically covers medical treatment, hospitalisation and emergency repatriation, and lists the cover sum in a wording German consulates recognise.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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": "How long can I stay in Germany on a Schengen visa, and does my insurance need to match?", "text": "How long can I stay in Germany on a Schengen visa, and does my insurance need to match?", "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": "A short-stay Schengen visa allows up to 90 days in any 180-day period across the whole Schengen Area. The travel health insurance certificate must cover every day of that stay; for stays longer than 92 days a long-stay (D-visa) and a visitor health insurance plan such as Care Economy take over.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 use the same Schengen travel insurance certificate at other EU consulates (France, Italy, Spain)?", "text": "Can I use the same Schengen travel insurance certificate at other EU consulates (France, Italy, Spain)?", "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": "The legal minimum (€30,000 medical cover plus repatriation, valid in all Schengen states) is identical at every consulate. Care Visa Protect is written to that EU-wide minimum, so the same certificate can in the normal course of events be used for an Italian, French or Spanish Schengen visa application — confirm the consulate's local wording requirements before submission.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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": "Where can I buy travel insurance for a Schengen visa to Germany online?", "text": "Where can I buy travel insurance for a Schengen visa to Germany online?", "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": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. Schengen-compliant travel medical insurance can be purchased entirely online before the embassy appointment. After payment, the insurance certificate (PDF) is typically delivered by email within minutes, in the wording German consulates expect to see. Care Visa Protect is available online via this site; well-known alternatives in the same market segment include AXA Schengen, Europ Assistance, Allianz Travel, ADAC Auslandskrankenversicherung and Mawista Visum.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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": "How many days of travel insurance do I need for my Schengen visa application?", "text": "How many days of travel insurance do I need for my Schengen visa application?", "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": "For multi-entry visas the policy needs to remain valid across the whole window in which you may travel, up to the 90-days-in-any-180-day limit. The certificate must cover every day of the planned stay in the Schengen Area, from the first entry date to the final exit date stated in the visa application. Care Visa Protect can be issued for 1 to 92 days per trip; for longer stays a visitor health insurance plan such as Care Economy takes over.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 is the minimum medical cover for a Schengen visa?", "text": "What is the minimum medical cover for a Schengen visa?", "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": "€30,000 plus medically necessary repatriation, valid in all Schengen states for the entire trip duration. Care Visa Protect meets this from €0.85/day.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 Care Visa Protect accepted by every German embassy?", "text": "Is Care Visa Protect accepted by every 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": "Yes — Care Visa Protect is regularly recognized under § 5 AufenthG by all German embassies and consulates worldwide for Schengen visa applications.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 extend Care Visa Protect after the visa is issued?", "text": "Can I extend Care Visa Protect after the visa is issued?", "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 — Care Visa Protect must be purchased before travel and covers up to 92 days per entry. For longer stays, switch to Care Economy or Care Expatriate after arrival.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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": "How much does Schengen visa health insurance cost?", "text": "How much does Schengen visa health insurance cost?", "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": "Care Visa Protect starts at €0.85/day for ages up to 64 with a €8.50 minimum premium per trip, and €2.60/day for ages 65–74. For longer national D-visa stays up to two years, Care Economy is available from €30 per 30 days.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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 buy Schengen visa insurance after arriving in Germany?", "text": "Can I buy Schengen visa insurance after arriving in Germany?", "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": "Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. For the visa application at the German consulate the certificate must be purchased before entry, since embassies require the proof up front. If you are already in Germany and need cover for a permitted stay, Care Economy can be taken out after arrival.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-schengen-visa-foreigners-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/) 1 Step 1/3: Check plan (you are here) › 2 Step 2/3: Get PDF proof › 3 Step 3/3: Submit to authority [Compare Plans & Proof →](#tarife) [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) [ Price From €0.85/day Care Visa Protect (ages up to 64) ](#tarife)[ Speed PDF in minutes Insurance certificate by email ](#tarife)[ Acceptance Embassy & ABH EU Reg 810/2009 · § 5 AufenthG ](#tarife) 1. [Home](/en/) 2. [Visa & Schengen for Germany](/en/health-insurance-visa-foreigners-germany/) 3. Schengen Visa Health Insurance for Germany No proof — no visa. Embassies refuse incomplete files on the spot. # Health Insurance for the Schengen-Visa – Incoming-Tariffs from €0.85/day in Germany 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) · Embassy-ready PDF format Written by Steffan Grund · Insurance broker for foreign nationals in Germany · Reviewed September 4, 2026 “PDF in minutes, Ausländerbehörde accepted it on the spot.” — R. K. (Berlin), EU Blue Card Quotes from internal customer feedback, anonymised and shortened. Plan: pick a Schengen-compliant tariff → enter trip dates & pay → embassy-ready PDF by email. › **Popular with Schengen visa applicants from** — show country list Pakistan (Islamabad, Karachi, Lahore), India (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai), Bangladesh, Sri Lanka, Nepal, Türkiye, Iran, Iraq, Syria, Lebanon, Egypt, Morocco, Tunisia, Algeria, Nigeria, Ghana, Kenya, Ethiopia, the Philippines, Indonesia, Vietnam, Thailand, China, Brazil, Colombia, Mexico, Ukraine, Russia, Kosovo, Serbia, Bosnia, North Macedonia and Albania. Used since 2009 by applicants worldwide — typically accepted nationwide in Germany by the Ausländerbehörden (incl. LEA Berlin, KVR Munich, Hamburg, Frankfurt, Cologne, Stuttgart, Düsseldorf) and the German embassy network under § 5 AufenthG. Accepted: Ausländerbehörde (typically) Typically recognised in Germany Embassy practice GDPR/EU Typically accepted at the Ausländerbehörde appointment (§ 5 AufenthG, case-by-case) Bilingual policy DE/EN — for HR, hospital and authorities Cover starts immediately — no waiting period, no medical questionnaire (within policy terms) Pay by credit card from abroad — no German bank account, no SCHUFA needed [ Schengen-compliant short-stay cover Care Visa Protect from €0.85/day ⟷ Out-of-pocket without travel medical insurance German hospital: ~€830/night (Indicative ward rate, Destatis hospital statistics 2024) ](#tarife) No commitment · monthly cancellation · confirmation by email (typically immediate). Sources (tap to expand) EU Regulation 810/2009 · German Federal Foreign Office (Auswärtiges Amt) · BAMF · GKV-Spitzenverband · HanseMerkur GTC · § 5 AufenthG · Care Concept AG · Destatis hospital statistics 2024 **No insurance proof — no Schengen visa.** The German embassy will, in the normal course of events, refuse a Schengen visa application without a recognised travel insurance certificate covering the entire stay in the Schengen Area. The Schengen visa requirements are identical at every consulate worldwide — €30,000 medical cover plus medically necessary repatriation, valid in all 27 member states of the Schengen zone (the same EU travel visa rules apply for tourists, business visitors and short-stay family visits). The good news: compliant [Schengen travel insurance with Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) starts from €0.85/day — €30,000 medical and repatriation cover, valid in every Schengen state, with the embassy-ready PDF certificate typically delivered by email within minutes. Common market alternatives include AXA Schengen, Europ Assistance, Allianz Travel, ADAC Auslandskrankenversicherung and Mawista Visum; Care Visa Protect is offered by HanseMerkur and the certificate is written in the wording German consulates expect to see, though final acceptance always remains at the consulate's discretion. Indicative: a single emergency room visit in Germany without travel medical insurance commonly runs €1,500–€5,000 out-of-pocket; a medical evacuation flight is in the five-figure range (source: Destatis hospital statistics 2024, GKV-Spitzenverband). Care Visa Protect: from €0.85/day. Below we explain why a single missing line on the certificate can cost you the appointment — and how the 90-days-in-any-180 rule shapes the dates on your policy. 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** SourcesBMI · GKV-Spitzenverband · HanseMerkur GTC · EU 810/2009 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Need the embassy proof today? Pick a recognised tariff. [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - Schengen visa requires €30,000 minimum medical cover plus repatriation, valid in all 27 Schengen states. - Care Visa Protect from €0.85/day (min. €8.50 per trip) meets EU Regulation 810/2009 — recognised by German embassies. - Instant PDF certificate after online application, valid 1–92 days per entry. Key facts at a glance Reviewed September 3, 2026 - **Care Visa Protect:** from €0.85/day (minimum €8.50 per trip) for ages up to 64; €2.60/day for ages 65–74. (Source: HanseMerkur GTC). - **Schengen minimum cover:** €30,000 medical and repatriation, valid in all Schengen states. (Source: EU Regulation 810/2009). - **Care Economy:** alternative for visitor stays from 31 days up to 2 years. (Source: HanseMerkur GTC). - **Embassy proof:** PDF certificate is delivered by email, typically within minutes, in the wording German consulates expect to see; final acceptance remains at the consulate's discretion. ## What worries do Schengen-visa applicants have about insurance? **Quick answer:** Four worries dominate every embassy appointment: insufficient €30,000 cover, missing repatriation clause, certificate not valid in the visa country, and gaps between application and travel date. Each one is typically addressed by a Schengen-compliant tariff (from €0.85/day) with a PDF certificate written in the embassy-recognised wording. ## 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. ## Quick reality check: what happens without compliant cover? ## 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. ## How long until your embassy appointment? Plan ahead. ## 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. ## Get your embassy-ready certificate in 3 steps 10 minutes of effort. Up to 92 days of cover. PDF by email. ## 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 Schengen travel insurance actually covers A Schengen-compliant travel medical insurance plan is, in practice, a short-stay international travel insurance policy that pays for hospital treatment, emergency outpatient care and medically necessary repatriation when something goes wrong on a trip in the Schengen Area. It is the part of trip insurance that German consulates look at when reviewing a visa application — coverage for cancellation, baggage or delays sits on a separate page and does not affect the visa decision. For a short-stay Schengen visa to Germany the dates on the certificate must cover every day spent in the Schengen zone, with travel health insurance valid in all Schengen states (not only Germany). The 90-days-in-any-180-day rule applies across the whole area, so multi-trip travellers usually need either a longer policy or a policy that can be re-issued for each entry. For stays beyond 92 days, German embassies route the file through national long-stay (D-visa) rules instead — a visitor health insurance plan such as [Care Economy](/en/insurance-plans/care-economy/overview/) is the usual fit there. ## What Schengen-visa applicants say about their insurance proof for the German embassy appointment 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended Schengen visa health insurance — by case ✈️ Schengen visa · up to 92 days ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof 📘 Visitor stays 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 ## Care Visa Protect — all prices by age band & trip length **Quick answer:** Care Visa Protect costs from €0.85/day (minimum €8.50 per trip) for ages up to 64, and €2.60/day for ages 65–74. Maximum benefit €50,000 — well above the Schengen minimum of €30,000. Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ## Frequently asked questions about Schengen visa health insurance ## Frequently Asked Questions Is travel insurance required for a Schengen visa to Germany? Yes — without that certificate, the German embassy will refuse the visa application. How much travel insurance is required for a Schengen visa? The minimum sum insured is €30,000 for medical treatment and emergency repatriation. Care Visa Protect provides up to €50,000 — well above the legal minimum — from €0.85/day (minimum €8.50 per trip). What are the Schengen visa insurance requirements for Germany? The certificate must show: (1) at least €30,000 medical cover, (2) medically necessary repatriation, (3) validity in all 27 Schengen states, and (4) the full duration of the planned stay. The PDF from Care Visa Protect is formatted to match this exact embassy wording. How much does Schengen travel insurance for Germany cost? For Schengen visa applicants up to age 64, Care Visa Protect starts at €0.85/day with a minimum premium of €8.50 per trip; for ages 65–74 the daily rate is €2.60. A typical 14-day trip therefore lands between €12 and €37, well below the cost of most rejected-visa rebookings. Is travel insurance mandatory for a Schengen short-stay visa? Yes — EU Regulation 810/2009 makes travel medical insurance a mandatory part of every Schengen short-stay visa application. The minimum is €30,000 medical and emergency repatriation cover, valid across all member states for the full trip. What is the difference between Schengen travel insurance and a regular travel insurance policy? Care Visa Protect provides the medical part required by EU Regulation 810/2009; you can bundle cancellation cover separately if you wish. A regular travel insurance policy often focuses on trip cancellation, baggage and delays. Schengen travel insurance specifically covers medical treatment, hospitalisation and emergency repatriation, and lists the cover sum in a wording German consulates recognise. How long can I stay in Germany on a Schengen visa, and does my insurance need to match? A short-stay Schengen visa allows up to 90 days in any 180-day period across the whole Schengen Area. The travel health insurance certificate must cover every day of that stay; for stays longer than 92 days a long-stay (D-visa) and a visitor health insurance plan such as Care Economy take over. Can I use the same Schengen travel insurance certificate at other EU consulates (France, Italy, Spain)? The legal minimum (€30,000 medical cover plus repatriation, valid in all Schengen states) is identical at every consulate. Care Visa Protect is written to that EU-wide minimum, so the same certificate can in the normal course of events be used for an Italian, French or Spanish Schengen visa application — confirm the consulate's local wording requirements before submission. Where can I buy travel insurance for a Schengen visa to Germany online? Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. Schengen-compliant travel medical insurance can be purchased entirely online before the embassy appointment. After payment, the insurance certificate (PDF) is typically delivered by email within minutes, in the wording German consulates expect to see. Care Visa Protect is available online via this site; well-known alternatives in the same market segment include AXA Schengen, Europ Assistance, Allianz Travel, ADAC Auslandskrankenversicherung and Mawista Visum. How many days of travel insurance do I need for my Schengen visa application? For multi-entry visas the policy needs to remain valid across the whole window in which you may travel, up to the 90-days-in-any-180-day limit. The certificate must cover every day of the planned stay in the Schengen Area, from the first entry date to the final exit date stated in the visa application. Care Visa Protect can be issued for 1 to 92 days per trip; for longer stays a visitor health insurance plan such as Care Economy takes over. What is the minimum medical cover for a Schengen visa? €30,000 plus medically necessary repatriation, valid in all Schengen states for the entire trip duration. Care Visa Protect meets this from €0.85/day. Is Care Visa Protect accepted by every German embassy? Yes — Care Visa Protect is regularly recognized under § 5 AufenthG by all German embassies and consulates worldwide for Schengen visa applications. Can I extend Care Visa Protect after the visa is issued? No — Care Visa Protect must be purchased before travel and covers up to 92 days per entry. For longer stays, switch to Care Economy or Care Expatriate after arrival. How much does Schengen visa health insurance cost? Care Visa Protect starts at €0.85/day for ages up to 64 with a €8.50 minimum premium per trip, and €2.60/day for ages 65–74. For longer national D-visa stays up to two years, Care Economy is available from €30 per 30 days. Can I buy Schengen visa insurance after arriving in Germany? Schengen visa requires €30,000 minimum medical cover under EU Reg. 810/2009 Art. 15, from €0.85/day via Care Visa Protect. For the visa application at the German consulate the certificate must be purchased before entry, since embassies require the proof up front. If you are already in Germany and need cover for a permitted stay, Care Economy can be taken out after arrival. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for your embassy appointment? Pick your plan. [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy 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 Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. [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.