Price
From €0.85/day
Care Visa Protect (ages 0–64)
Speed
PDF in minutes
Insurance certificate by email
Acceptance
Embassy & ABH
EU Reg 810/2009 · § 5 AufenthG
Health Insurance for the Schengen-Visa – Incoming-Tariffs from €0.85/day in Germany
Written by Steffan Grund · Insurance broker for foreign nationals in Germany · Reviewed
“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.
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 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
Over 10,000 policies issued · Since 2009
Need the embassy proof today? Pick a recognised tariff.
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.
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€500–€1,500
Emergency doctor visit
One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added.
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€2,000–€10,000+
Hospital treatment
If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros.
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€30,000 minimum
Schengen proof must be clear
Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits.
- Wrong or incomplete proof can delay your visa, enrollment or authority process.
- Cheap home-country policies may miss the exact coverage, dates or repatriation wording required.
- The cheapest policy can become expensive if it is the wrong proof for your situation.
Before you apply, check: coverage amount, validity dates, destination area and repatriation cover.
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.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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Submit your proof
Receive the PDF certificate after successful online application and submit it with your visa or authority documents.
What 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 is the usual fit there.
What Schengen-visa applicants say about their insurance proof for the German embassy appointment
“My biggest worry was that the embassy wouldn't accept the insurance.
The proof was accepted immediately — no questions asked.
That saved me a lot of stress.”
Georges
Cameroon
“I needed proof of insurance urgently for my visa appointment.
The confirmation arrived within minutes by email.
Everything worked first time at the embassy.”
Olga
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“The online sign-up was done in just a few minutes.
When I actually had to see a doctor, the billing went smoothly.
I was really covered — not just on paper.”
Yunhee
Australia
Now choose your plan
Recommended Schengen visa health insurance — by case
Care Visa Protect
from only €0.85 / day (1–92 days possible)
For Schengen visas, tourists, family visits & business travel
- Proof of insurance for visas & immigration authorities quickly available (PDF)
- Meets Schengen visa insurance requirements
- Affordable coverage from €0.85/day (minimum premium applies)
- Doctor, hospital, prescription medication & dental emergency coverage
- For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland
- Ideal for short stays, family visits, tourists & business travelers
- Multiple-visa option: several trips up to a total of 92 days/year
- Must be purchased before entry
- Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74
- Coverage term: 1–92 days · entry age 0–74
Why Care Visa Protect?
For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips.
Why a 92-day coverage term?
Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance.
- 🏛️ HanseMerkur Travel Insurance AG, Hamburg
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental emergency & repatriation coverage
- 🏷️ From €0.85 / day · coverage up to 92 days
→ Complete the application, receive your instant PDF, submit your proof
Care Economy
from only €30.00 / 30 days (coverage up to 2 years)
For guests, tourists, family visits, job seekers & the German Opportunity Card
- Proof of insurance for visas & immigration authorities within minutes
- Affordable coverage from €1.00 per day
- Doctor, hospital & dental emergency coverage
- Suitable for Schengen visas, the Opportunity Card & family visits
- Flexible coverage from 1 day up to 2 years
- Coverage in Germany, the EU & the Schengen Area
- 24/7 assistance + digital insurance card
- Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74
- Coverage term: 1 day to 2 years · entry age 0–74
- Reputable insurance carrier
Why Care Economy?
For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits.
Why a 2-year coverage term?
More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap.
- 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental emergency & repatriation coverage
- 🏷️ From €30 / 30 days · up to 2 years possible
→ Complete the application, receive your instant PDF, submit your proof
Care 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.
Frequently asked questions about Schengen visa health insurance
Frequently Asked Questions
Is travel insurance required for a Schengen visa to Germany?
Yes. EU Regulation 810/2009 mandates travel health insurance with at least €30,000 medical cover plus medically necessary repatriation, valid in all 27 Schengen states for the full trip duration. 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?
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. Care Visa Protect provides the medical part required by EU Regulation 810/2009; you can bundle cancellation cover separately if you wish.
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-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?
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. 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. 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.
Over 10,000 policies issued · Since 2009