--- title: "From €0.85/day · Visa health insurance Germany 2026" description: "Health insurance for the German visa: Care Visa Protect for Schengen, Care Expatriate for national D-visa & family reunion, Care Economy for visitors — all embassy-recognised." 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": 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the €30,000 Schengen rule and the Ausländerbehörde proof — from €0.85/day", "description": "Health insurance for the German visa: Care Visa Protect for Schengen, Care Expatriate for national D-visa & family reunion, Care Economy for visitors — all embassy-recognised.", "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": "2026-09-11", "dateModified": "2026-09-08", "mainEntityOfPage": { "@type": "WebPage", "@id": 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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": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "How much is health insurance for the German visa?", "acceptedAnswer": { "@type": "Answer", "text": "For a Schengen C-visa (up to 90 days), Care Visa Protect starts at €0. Visa health insurance cost in Germany depends on visa type and duration. 85/day (minimum €7. 50 per policy) — meets the €30,000 EU 810/2009 minimum across all 26 Schengen states. For a national D-visa, family reunion or Chancenkarte stay (over 90 days), Care Expatriate starts at €58/month (ages 13–40) and runs up to 5 years. For visitor and family-visit visas of up to 2 years, Care Economy starts at €30 per 30 days (age up to 64) — typically among the most affordable embassy-recognised options." } }, { "@type": "Question", "name": "Which insurance is best for the German visa?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen C-visa (tourism, business, short visit): Care Visa Protect — built for EU Regulation 810/2009 with €30,000 minimum medical cover, repatriation and validity across all 26 Schengen states. It depends on visa type. National D-visa for work, family reunion, freelance or Chancenkarte: Care Expatriate — long-stay incoming product up to 5 years, recognised by the Ausländerbehörde for the residence permit. Visitor or family-visit visa: Care Economy — flexible 30-day to 2-year cover for visiting parents and relatives." } }, { "@type": "Question", "name": "How to get visa health insurance for Germany before the embassy appointment?", "acceptedAnswer": { "@type": "Answer", "text": "(1) Identify the right tariff for your visa: Care Visa Protect (Schengen C), Care Expatriate (national D / family reunion / Chancenkarte) or Care Economy (visitor / family visit). Three steps. (2) Apply online — about 10 minutes — and download the bilingual insurance certificate as visa proof for the German embassy. (3) Submit the certificate with the rest of your file (passport, biometric photo, Sperrkonto if required, Verpflichtungserklärung for visitor visas). PDF certificate usually arrives by email the same day." } }, { "@type": "Question", "name": "What is the €30,000 Schengen insurance rule?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect meets this rule with policies from €0. EU Regulation 810/2009 Article 15 requires Schengen visa applicants to hold travel medical insurance of at least €30,000 covering emergency medical care, hospitalisation and repatriation, valid in all 26 Schengen member states for the entire visa duration. 85/day (minimum €7. 50). Embassies typically reject files without this exact wording on the insurance certificate (rules current as of September 11, 2026)." } }, { "@type": "Question", "name": "Do I need separate insurance for a national D-visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — for stays over 90 days the Schengen rule no longer applies. The German embassy and the Ausländerbehörde require recognised German health insurance for the residence permit (Aufenthaltstitel). Most non-employees use Care Expatriate from €58/month (up to 5 years) — accepted for work-permit, freelance, family-reunion and Chancenkarte residence permits. Employees on a German payroll automatically join statutory GKV (e.g. DAK-Gesundheit) from their first day of work." } }, { "@type": "Question", "name": "Can my parents get a visa to visit me in Germany — and which insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Economy is the standard choice — flexible 30-day to 2-year cover, accepted by the German embassy and by the Ausländerbehörde for visa extensions. Premium starts at €30 per 30 days for ages up to 64 and scales to €125 per 30 days for the age 65 and over age band. Includes the €30,000 minimum medical cover and repatriation required for the Schengen visitor visa." } }, { "@type": "Question", "name": "Which insurance for the Chancenkarte (Opportunity Card) in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Chancenkarte holders need recognised German health insurance for the full stay (up to 12 months, extendable). The two recognised choices are Care Economy (from €30/30 days, flexible month-by-month) for budget-conscious job seekers and Care Expatriate (from €58/month, longer commitment) for those planning to stay beyond the job-search window. Both are bundled in our Sperrkonto package for the embassy file." } }, { "@type": "Question", "name": "Which insurance for the family reunification visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Family reunion (Familiennachzug per §§ 27–36 AufenthG) requires the joining family member to hold recognised German health insurance from the day of entry. Care Expatriate is the standard choice from €58/month for working-age spouses and from €246/month for parents aged 61–74. Once the spouse joins a German employer or the GKV-insured sponsor extends Familienversicherung, the family member can switch into statutory GKV." } }, { "@type": "Question", "name": "Which visa insurance do Indian, Chinese or Turkish applicants need for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Indian, Pakistani, Chinese, Bangladeshi, Iranian, Turkish, Egyptian and Vietnamese applicants moving to Germany on a Schengen C-visa use Care Visa Protect (from €0. Visa pathway, not nationality, decides cover. 85/day). On a national D-visa for work, study, family reunion or Chancenkarte, Care Expatriate (from €58/month) is the standard route. For visitor visas (parents, relatives), Care Economy (from €30/30 days) is the typical embassy-recognised choice. The German embassy and the Ausländerbehörde generally apply the same procedural rules regardless of passport." } }, { "@type": "Question", "name": "Can I extend visa insurance after the first 90 days?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect is Schengen-only (max 92 days, must be purchased before the trip starts). For longer stays, switch to Care Expatriate (up to 5 years) or Care Economy (up to 2 years) — both are recognised by the Ausländerbehörde for residence-permit extensions and can be purchased online while still in Germany." } }, { "@type": "Question", "name": "Does the Verpflichtungserklärung replace health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "No — the visa applicant still needs their own recognised German health insurance — typically Care Economy for visitor visas and Care Expatriate for longer family-reunion stays." } }, { "@type": "Question", "name": "Do I need a blocked account and health insurance together for the German visa?", "acceptedAnswer": { "@type": "Answer", "text": "Student visa, Chancenkarte and some family-reunion files require both — a blocked account (Sperrkonto) with €11,904 and recognised health insurance. It depends on visa type. Most applicants choose a bundle (e. g. blocked account + Care Expatriate or + Care Economy) and submit one consolidated PDF stack to the embassy. Schengen C-visa and visitor visas usually require only the insurance proof and a Verpflichtungserklärung from the host." } }, { "@type": "Question", "name": "How does German visa health insurance work?", "acceptedAnswer": { "@type": "Answer", "text": "EU Regulation 810/2009 sets the floor for the Schengen C-visa: at least €30,000 medical cover, repatriation, valid in all 26 Schengen states. The German embassy enforces this for short-stay applicants — Care Visa Protect (from €0.85/day) is built around it. For national D-visas, the Ausländerbehörde requires recognised German cover for the residence permit (Aufenthaltstitel) — Care Expatriate (from €58/month, up to 5 years) is the recognised long-stay incoming product. Visitor and family-visit visas use Care Economy (from €30/30 days). The insurer issues a bilingual PDF certificate for embassy submission — typically the same day as the online application." } }, { "@type": "Question", "name": "Can I switch from a private visa insurance (Care Expatriate) to GKV later?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. Yes, in many cases. Once a Care Expatriate holder takes up a German employment contract, they automatically join statutory GKV (e.g. DAK-Gesundheit) from the first day of employment — no underwriting required. Spouses joining a GKV-insured partner may also qualify for free Familienversicherung. Care Visa Protect is short-stay only and ends on the visa expiry date — no switch path is needed." } }, { "@type": "Question", "name": "Do foreigners need private or public health insurance for the German visa?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. For the visa application itself, foreigners with primary residence abroad use private incoming insurance — Care Visa Protect (Schengen), Care Expatriate (national D) or Care Economy (visitor). Statutory GKV (public) is not available to non-residents. After arrival on a national D-visa, foreigners who take up German employment join statutory GKV automatically; freelancers, students over 30 and family-reunion family members typically remain on private incoming cover or use the recognised GKV-equivalent (e.g. Care Student for students)." } }, { "@type": "Question", "name": "Do US citizens need a German visa?", "acceptedAnswer": { "@type": "Answer", "text": "For the visa-free short stay, Schengen travel medical insurance is recommended (Care Visa Protect from €0. US, Canadian, UK, Australian, NZ, Japanese, Korean and Israeli passport holders enter Germany visa-free for stays up to 90 days (Schengen short stay) and apply for the residence permit (Aufenthaltstitel) in Germany at the Ausländerbehörde for longer stays. 85/day) although not always demanded at the border. For the residence permit appointment after moving to Germany, recognised long-stay cover such as Care Expatriate from €58/month is required by most Ausländerbehörden for non-employees, freelancers and family-reunion spouses." } }, { "@type": "Question", "name": "Is travel insurance mandatory for the German visa?", "acceptedAnswer": { "@type": "Answer", "text": "For a Schengen C-visa to Germany: yes — EU Regulation 810/2009 Article 15 requires travel medical insurance with €30,000 minimum cover, repatriation and validity in all 26 Schengen states. For a national D-visa: § 5 AufenthG requires proof of recognised health-insurance cover (Krankenversicherungsnachweis) before the residence permit is issued. The Care Visa Protect bilingual Versicherungsbestätigung (insurance confirmation) satisfies the Schengen rule from €0.85/day; Care Expatriate satisfies the AufenthG long-stay requirement from €58/month." } }, { "@type": "Question", "name": "How much does Schengen visa health insurance for Germany cost?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect starts at €0.85/day with a minimum policy premium of €7.50. A typical 30-day Schengen trip is around €25–€35 in the under-65 age band; a 90-day Schengen trip is around €76–€95. Premiums rise with age (65–74 band) and with optional Comfort/Premium tiers. All tiers meet the EU 810/2009 €30,000 minimum medical cover with repatriation across all 26 Schengen states — the wording German consulates verify." } }, { "@type": "Question", "name": "What is the minimum travel insurance amount for a Schengen visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect is built to this minimum and covers up to €50,000, above the EU 810/2009 minimum, at a per-day entry price of €0.85 (up to age 64) and €2.60 (ages 65–74). EU Regulation 810/2009 Article 15 sets the floor at €30,000 minimum medical cover, including emergency hospitalisation and medical repatriation, valid across all 26 Schengen states for the entire requested visa duration. Most German consulates verify this exact wording on the bilingual Versicherungsbestätigung." } }, { "@type": "Question", "name": "Do I need a transit visa for Germany when changing flights in Frankfurt or Munich?", "acceptedAnswer": { "@type": "Answer", "text": "A travel medical insurance certificate (Care Visa Protect from €0. Nationals of most countries do not need a German airport transit visa for a same-day connection inside the Schengen international zone. Holders of passports from a limited list of countries (Afghanistan, Bangladesh, Eritrea, Ethiopia, Ghana, Iran, Iraq, Nigeria, Pakistan, Somalia, Sri Lanka, Syria) may need an Airport Transit Visa (Visum A) — verify with the German consulate responsible for you. 85/day) is still useful for stopovers that include border entry." } }, { "@type": "Question", "name": "Is travel medical insurance from providers like Allianz Travel, AXA Schengen or Mawista recognised for a German visa?", "acceptedAnswer": { "@type": "Answer", "text": "85/day (minimum €7. EU Regulation 810/2009 Article 15 sets the recognition floor for any Schengen visa file: €30,000 minimum medical cover, valid in all 26 Schengen states for the entire visa duration, including emergency hospitalisation and medical repatriation. Any travel medical insurance tariff that meets this wording can in principle be attached to a German consulate file — the global category includes products from Allianz Travel, AXA Schengen, Europ Assistance, HanseMerkur, Mawista Visum and Care Concept among others. Where Care Visa Protect (by HanseMerkur Reiseversicherung AG) tends to be useful is the bilingual Versicherungsbestätigung pre-formatted in the wording most German consulates and Ausländerbehörden look for, with the certificate typically issued the same day from €0. 50). Always re-check the current requirements on the website of the German consulate responsible for you." } }, { "@type": "Question", "name": "How much does Schengen visa health insurance for Germany cost in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect Reisekrankenversicherung Schengen starts at €0.85/day with a minimum policy premium of €7.50. Typical 30-day Schengen trips land around €25–€35 in the under-65 age band; a 90-day trip is around €76–€95. All tiers meet the EU 810/2009 €30,000 minimum and the wording German consulates verify. For longer stays beyond 90 days, switch to Care Expatriate (from €58/month) or Care Economy (from €30/30 days) — both are accepted by the Ausländerbehörde for the residence permit (Aufenthaltstitel)." } }, { "@type": "Question", "name": "Buy health insurance for a German visa application — what exactly does the consulate check?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. The German consulate verifies four points on the bilingual Versicherungsbestätigung: (1) minimum €30,000 medical cover including emergency hospitalisation, (2) explicit medical repatriation, (3) validity across all 26 Schengen states, (4) coverage for the entire requested visa duration. Care Visa Protect ships the certificate pre-formatted in this exact wording and typically issues it by email the same day as the online application — useful when you are scheduling an embassy appointment on a tight timeline." } }, { "@type": "Question", "name": "Which insurance is accepted for the German job seeker visa or Chancenkarte?", "acceptedAnswer": { "@type": "Answer", "text": "Job seeker visa (§ 18c AufenthG) and Chancenkarte (Opportunity Card, § 20a AufenthG) holders need recognised German cover for the full stay (up to 12 months, extendable on the Chancenkarte). Auslandskrankenversicherung Visum options widely accepted by the Ausländerbehörde for this stage are Care Economy (from €30/30 days, flexible month-by-month) for budget-conscious applicants and Care Expatriate (from €58/month) for those planning to stay longer. Both are routinely bundled with the Sperrkonto for the embassy file." } }, { "@type": "Question", "name": "What does national D-visa Germany insurance actually have to cover?", "acceptedAnswer": { "@type": "Answer", "text": "Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. National D-visa Germany insurance has to satisfy § 5 AufenthG: recognised German health-insurance cover for the full requested visa duration, valid from the day of entry, with the bilingual Versicherungsbestätigung embassy certificate available to upload with the consulate file. For non-employees (freelancers, family-reunion spouses, Chancenkarte job seekers, retirees) the standard product is Care Expatriate from €58/month, runs up to 5 years and is accepted at the Ausländerbehörde residence permit appointment." } }, { "@type": "Question", "name": "Which insurance product satisfies the family-reunification file under §§ 27–36 AufenthG?", "acceptedAnswer": { "@type": "Answer", "text": "The standard answer is Care Expatriate — €58/month for under-30s, scaling to roughly €246/month for parents in the 61–74 age band. For Familiennachzug (the German term for family reunification), the joining spouse, child or parent needs recognised health cover from the very first day in Germany. The Ausländerbehörde accepts it at the residence-permit appointment, and the family member can switch into free GKV Familienversicherung as soon as they qualify through a GKV-insured partner or a new employer." } }, { "@type": "Question", "name": "For the Chancenkarte (Opportunity Card), should you pick Care Economy or Care Expatriate?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy at €30 per 30 days works well as flexible, month-by-month cover. It really comes down to how long you expect the job search to take. Care Expatriate at €58/month is the better economic choice once you commit to staying beyond about three months and want a single tariff that carries you through to the first employment contract. Both are recognised by the Ausländerbehörde at the residence-permit appointment and are routinely bundled with the Sperrkonto (blocked account) for the embassy file." } }, { "@type": "Question", "name": "What exactly is the €30,000 rule under EU Regulation 810/2009 that consulates check?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect is built around this minimum and ships a bilingual Versicherungsbestätigung (embassy certificate) from €0. It is Article 15 of the Schengen Visa Code: every Schengen C-visa applicant must hold travel medical insurance of at least €30,000, valid in all 26 Schengen states for the full requested visa duration, with emergency hospitalisation and medical repatriation included. 85/day, with a €7. 50 policy minimum." } }, { "@type": "Question", "name": "Is 'Schengen travel insurance' the same thing as 'travel medical insurance for a Schengen visa'?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — both describe the same product category: a short-stay policy that meets Article 15 of the Visa Code (€30,000 minimum cover, valid in all 26 Schengen states, including repatriation). Branding varies across the market — Care Visa Protect, Allianz Travel, AXA Schengen, Europ Assistance, HanseMerkur and Mawista Visum all operate in this segment — but the wording the German consulate verifies on the Versicherungsbestätigung is identical." } }, { "@type": "Question", "name": "What cover do freelancer (§ 21 AufenthG) and researcher (§ 18d AufenthG) visa holders need?", "acceptedAnswer": { "@type": "Answer", "text": "It serves as the Krankenversicherungsnachweis under § 5 AufenthG that the Ausländerbehörde requires for non-employees, family-reunion spouses and Chancenkarte holders. Both fall outside the automatic GKV pathway that employees enjoy. Self-employed creatives, IT contractors, journalists and doctors on a freelancer visa, and postdocs or hosting-agreement scholars on a researcher visa, all use the same recognised long-stay route: Care Expatriate from €58/month. The bilingual certificate doubles as embassy proof and Ausländerbehörde proof, so one document covers both stages." } } ] }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "German visa health insurance — glossary", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Schengen visa (Type C)", "description": "Short-stay visa for the Schengen Area, max 90 days within any 180. EU Regulation 810/2009 requires medical travel insurance of at least €30,000 valid in all 26 Schengen states, including repatriation. Care Visa Protect is built for this requirement.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "National D-visa (long-stay)", "description": "National long-stay visa issued by the German embassy for stays over 90 days — work, study, family reunion, freelance, researcher and Chancenkarte. Converted into a residence permit (Aufenthaltstitel) at the Ausländerbehörde after arrival.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Aufenthaltstitel / residence permit", "description": "German residence permit issued by the Ausländerbehörde after arrival on a national D-visa. Most permits require proof of recognised health insurance — typically Care Expatriate for non-employees and family-reunion holders.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Familiennachzug (family reunification)", "description": "Family-reunion residence permit per §§ 27–36 AufenthG (spouses, children, parents of minor Germans). The Ausländerbehörde appointment requires proof of valid German health insurance for the joining family member — usually Care Expatriate or Care Economy until GKV access begins.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Chancenkarte (Opportunity Card)", "description": "Points-based job-seeker visa under § 20a AufenthG (effective 1 June 2024). Holders need recognised health insurance for the entire stay — typically Care Economy or Care Expatriate, often bundled with a blocked account (Sperrkonto).", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Verpflichtungserklärung", "description": "Formal declaration of liability under § 68 AufenthG signed by a German sponsor at the Ausländerbehörde. It covers living costs but does NOT replace health insurance — the visa applicant still needs their own German-recognised cover (typically Care Economy for visitor visas).", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Repatriation cover", "description": "Medical repatriation to the home country — mandatory under EU Regulation 810/2009 for Schengen visa applicants. Care Visa Protect, Care Economy and Care Expatriate all include repatriation as standard.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Sperrkonto (blocked account)", "description": "German blocked account proving €11,904 of available funds, required by the embassy for student visas, Chancenkarte and certain family-reunion files. Often bundled with health insurance for one consolidated embassy submission.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Ausländerbehörde (foreigners office)", "description": "Local German immigration authority. After arrival on a national D-visa, the residence permit (Aufenthaltstitel) is collected at the Ausländerbehörde — health-insurance proof is checked at that appointment.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "EU Regulation 810/2009 (Visa Code)", "description": "EU regulation defining Schengen visa rules. Article 15 requires applicants to hold travel medical insurance covering expenses of at least €30,000 in all Schengen states, including emergency medical care, hospital treatment and repatriation.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Schengen Area", "description": "26 European countries with open borders. A Schengen visa issued by any member state grants entry to all 26 — Care Visa Protect is valid across the full Schengen Area for the entire visa duration up to 92 days.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Incoming insurance", "description": "German legal category for private health insurance for foreigners with primary residence abroad. Includes Care Visa Protect, Care Expatriate, Care Economy and Care Au-Pair. Not the same as German PKV (private substitute insurance for residents).", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Versicherungsbestätigung (insurance certificate)", "description": "Bilingual PDF certificate (English + German) that confirms recognised health-insurance cover for the German visa file. Issued by Care Concept / HanseMerkur usually the same day as the online application; uploaded with the embassy file and presented again at the Ausländerbehörde for the residence permit.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Verpflichtungserklärung (§ 68 AufenthG)", "description": "Formal declaration of liability signed by a German sponsor at the Ausländerbehörde. Covers living costs but does NOT replace health insurance for the visa applicant — typically paired with Care Economy for visitor visas.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Aufenthaltstitel (residence permit)", "description": "German residence permit issued by the Ausländerbehörde after arrival on a national D-visa. Most permits require proof of recognised German health insurance — typically Care Expatriate for non-employees and family-reunion holders.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Blue Card EU / § 18b AufenthG", "description": "Residence permit for highly qualified skilled workers (university degree + minimum salary threshold). Blue Card holders join statutory GKV from the first day of employment; non-employed spouses on family reunion typically use Care Expatriate.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Fachkräfteeinwanderungsgesetz (Skilled Immigration Act)", "description": "German Skilled Immigration Act reforming employment-based migration from non-EU countries: skilled workers (§§ 18a/18b AufenthG), Blue Card EU, vocational training (§ 16a) and the points-based Chancenkarte (§ 20a). Most pathways trigger statutory GKV on the first payroll day; family members joining on Familiennachzug bridge with Care Expatriate.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "§ 16b AufenthG (Studium)", "description": "Residence-permit basis for foreign university students in Germany. Students under 30 join statutory GKV (e.g. DAK-Gesundheit); students over 30 and PhD candidates use the GKV-equivalent private alternative Care Student. Visa applicants typically attach the M10 electronic notification to the file.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "VFS Global / TLScontact / BLS International", "description": "External service providers that handle visa appointment booking, biometric collection and document submission on behalf of German embassies and consulates worldwide. The insurance certificate (Versicherungsbestätigung) is uploaded with the rest of the visa file at the VFS Global, TLScontact or BLS International counter.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Spouse visa / dependent visa Germany", "description": "Common English terms for the family-reunion residence permit (§ 30 AufenthG for spouses, § 32 for minor children) — also referred to as Familiennachzug or visum partner. Standard cover is Care Expatriate from €58/month until the spouse joins German employment or qualifies for free GKV Familienversicherung.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "§ 20 AufenthG (classic job-seeker visa)", "description": "Original 6-month job-seeker visa for university graduates, still available alongside the points-based Chancenkarte (§ 20a). Holders cannot work full-time and need recognised health insurance for the full stay — Care Economy from €30/30 days or Care Expatriate from €58/month.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Travel medical insurance for the Schengen Area", "description": "Global insurance category that includes any product meeting EU Regulation 810/2009 minimums (€30,000 cover, all 26 Schengen states, repatriation). Widely searched providers in this category include Allianz Travel, AXA Schengen, Europ Assistance, HanseMerkur, Mawista Visum and Care Concept. For a German embassy file, any tariff that meets the EU minimums is technically acceptable; the Care Visa Protect tariff we place is built on the wording most German consulates and Ausländerbehörden look for.", "inDefinedTermSet": "German visa health insurance — glossary" }, { "@type": "DefinedTerm", "name": "Long-stay private insurance providers (Incoming category)", "description": "Incoming insurance is the German legal category for private cover for foreigners staying temporarily in Germany. Beyond the Care Concept tariffs we place (Care Expatriate, Care Economy, Care Au-Pair), examples of insurers and brokers active in this segment include HanseMerkur, Mawista, DR-WALTER, Hallesche, Ottonova, ALC Health and Cigna Global. Substitutive German PKV (e.g. Debeka, Signal Iduna, Allianz Krankenversicherung, Gothaer, Hallesche, Barmenia) is a separate long-term product for permanent residents and typically only relevant once income, residence status and underwriting allow that switch.", "inDefinedTermSet": "German visa health insurance — glossary" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to get visa health insurance for the German embassy appointment", "description": "Four-step process to obtain a recognised health-insurance certificate for the German visa file.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right route", "text": "Schengen C-visa (up to 90 days): Care Visa Protect. National D-visa (work, study, family reunion, Chancenkarte): Care Expatriate. Visitor or family-visit visa: Care Economy." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Complete the bilingual online application — about 10 minutes. No medical exam required and typically no waiting period. The bilingual PDF certificate usually arrives by email the same day." }, { "@type": "HowToStep", "position": 3, "name": "Submit to the embassy", "text": "Upload or print the certificate together with the rest of your visa file (passport, biometric photo, blocked account proof if required, Verpflichtungserklärung for visitor visas)." }, { "@type": "HowToStep", "position": 4, "name": "Confirm with the Ausländerbehörde", "text": "After arrival on a national D-visa, present the same insurance certificate at the Ausländerbehörde appointment for the residence permit (Aufenthaltstitel). Renew or switch the policy as needed for longer stays." } ], "totalTime": "PT15M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much is health insurance for the German visa?", "text": "How much is health insurance for the German visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For a Schengen C-visa (up to 90 days), Care Visa Protect starts at €0. Visa health insurance cost in Germany depends on visa type and duration. 85/day (minimum €7. 50 per policy) — meets the €30,000 EU 810/2009 minimum across all 26 Schengen states. For a national D-visa, family reunion or Chancenkarte stay (over 90 days), Care Expatriate starts at €58/month (ages 13–40) and runs up to 5 years. For visitor and family-visit visas of up to 2 years, Care Economy starts at €30 per 30 days (age up to 64) — typically among the most affordable embassy-recognised options.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the €30,000 Schengen insurance rule for Germany?", "text": "What is the €30,000 Schengen insurance rule for Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU Regulation 810/2009 Article 15 requires Schengen visa applicants to hold travel medical insurance of at least €30,000 covering emergency care, hospitalisation and repatriation, valid in all 26 Schengen states for the entire visa duration. Care Visa Protect meets this rule from €0.85/day (minimum €7.50). Embassies typically reject files without this exact wording on the certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is travel insurance mandatory for the German visa?", "text": "Is travel insurance mandatory for the German visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. For Schengen C-visas, EU Regulation 810/2009 Article 15 requires travel medical insurance with €30,000 minimum cover, repatriation and validity in all 26 Schengen states. For national D-visas, § 5 AufenthG requires proof of recognised health-insurance cover (Krankenversicherungsnachweis) before the residence permit. Care Visa Protect from €0.85/day or Care Expatriate from €58/month satisfy these rules.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does Schengen visa health insurance for Germany cost?", "text": "How much does Schengen visa health insurance for Germany cost?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect starts at €0.85/day with a minimum policy premium of €7.50. A 30-day Schengen trip is typically €25–€35 in the under-65 age band; a 90-day trip is typically €76–€95. All tiers meet the EU 810/2009 €30,000 minimum cover with repatriation across all 26 Schengen states.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How does German visa health insurance work?", "text": "How does German visa health insurance work?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU Regulation 810/2009 sets the Schengen floor: at least €30,000, repatriation, all 26 Schengen states — Care Visa Protect from €0.85/day. For national D-visas, the Ausländerbehörde requires recognised German cover for the residence permit — Care Expatriate from €58/month (up to 5 years). Visitor and family-visit visas use Care Economy from €30/30 days. The insurer issues a bilingual PDF certificate for embassy submission, typically the same day.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do US citizens need a German visa?", "text": "Do US citizens need a German visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "US, Canadian, UK, Australian, NZ, Japanese, Korean and Israeli passport holders enter Germany visa-free for Schengen short stays up to 90 days and apply for the residence permit in Germany at the Ausländerbehörde for longer stays. For the visa-free short stay, Schengen travel medical insurance is recommended (Care Visa Protect from €0.85/day). For the residence permit appointment, recognised long-stay cover such as Care Expatriate from €58/month is required by most Ausländerbehörden for non-employees, freelancers and family-reunion spouses.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the minimum travel insurance amount for a Schengen visa to Germany?", "text": "What is the minimum travel insurance amount for a Schengen visa to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU Regulation 810/2009 Article 15 sets the floor at €30,000 minimum medical cover, including emergency hospitalisation and medical repatriation, valid across all 26 Schengen states for the entire requested visa duration. Care Visa Protect from €0.85/day meets this minimum on every tier.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need a transit visa for Germany when changing flights in Frankfurt or Munich?", "text": "Do I need a transit visa for Germany when changing flights in Frankfurt or Munich?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Most travellers do not need a German airport transit visa for a same-day connection inside the Schengen international zone. Passport holders from a limited list of countries may need an Airport Transit Visa (Visum A) — verify with the German consulate responsible for you. Care Visa Protect from €0.85/day covers stopovers that include border entry.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@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": "AboutPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/#about", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "name": "About German visa health insurance", "inLanguage": "en", "mainEntity": { "@type": "Thing", "name": "Health insurance for the German visa", "description": "Editorial hub covering Schengen short-stay cover (EU 810/2009 €30,000 rule), national D-visa long-stay cover for the residence permit (Aufenthaltstitel), family reunification (Familiennachzug), Chancenkarte (Opportunity Card), spouse/dependent visa, job-seeker visa, German skilled-worker visa and Blue Card EU.", "sameAs": [ "https://www.auswaertiges-amt.de/en/visa-service", "https://www.make-it-in-germany.com/en/", "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009R0810" ] }, "about": [ "Schengen visa (Type C) — EU Regulation 810/2009", "National D-visa & residence permit (Aufenthaltstitel)", "Family reunification (Familiennachzug) §§ 27–36 AufenthG", "Chancenkarte (Opportunity Card) § 20a AufenthG", "Blue Card EU / Fachkräfteeinwanderungsgesetz § 18b AufenthG", "Job-seeker visa Germany § 20 AufenthG", "Visa application centres (VFS Global / TLScontact / BLS International)" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" } }, { "@context": "https://schema.org", "@type": "SpeakableSpecification", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/#speakable", "cssSelector": [ "h1", "[data-aeo='answer-lead']" ], "xpath": [ "/html/head/title" ] }, { "@context": "https://schema.org", "@type": "ItemList", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/#country-matrix", "name": "German visa health insurance by country of origin", "inLanguage": "en", "itemListOrder": "https://schema.org/ItemListUnordered", "numberOfItems": 7, "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "India / Pakistan / Bangladesh / Sri Lanka — Care Visa Protect or Care Expatriate", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/" }, { "@type": "ListItem", "position": 2, "name": "China / Vietnam / Indonesia / Philippines — Care Visa Protect or Care Expatriate", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/" }, { "@type": "ListItem", "position": 3, "name": "Iran / Egypt / Morocco / Tunisia / Syria — Care Visa Protect or Care Expatriate", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-visa-protect/overview/" }, { "@type": "ListItem", "position": 4, "name": "Turkey / Ukraine / Russia — Care Visa Protect then Care Expatriate", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-visa-protect/overview/" }, { "@type": "ListItem", "position": 5, "name": "Brazil / Mexico / Colombia / Argentina — Care Expatriate (visa-free entry, permit in Germany)", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/" }, { "@type": "ListItem", "position": 6, "name": "USA / Canada / UK / Australia / NZ / Japan / Korea / Israel — Care Expatriate (visa-free entry, permit in Germany)", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/" }, { "@type": "ListItem", "position": 7, "name": "Visiting parents & relatives (any country) — Care Economy", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-economy/overview/" } ] }, { "@context": "https://schema.org", "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/#webpage", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/", "name": "Health insurance for your German visa: meet the €30,000 Schengen rule and the Ausländerbehörde proof — from €0.85/day", "description": "Health insurance for the German visa: Care Visa Protect for Schengen, Care Expatriate for national D-visa & family reunion, Care Economy for visitors — all embassy-recognised.", "inLanguage": "en", "isAccessibleForFree": true, "datePublished": "2026-09-11", "dateModified": 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[Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) 1. [Home](/en/) 2. Visa & Schengen for Germany 📑 On this page (15) - [→ What is German visa health insurance?](#what-is) - [→ Pain points visa applicants face](#problems) - [→ Recommended tariffs by visa type](#recommended) - [→ All prices by tariff, age and duration](#prices) - [→ Cost by visa profile](#costs) - [→ By country of origin](#by-country) - [→ Schengen visa (Type C) — €30,000 rule](#schengen) - [→ National D-visa & residence permit](#national-d) - [→ Family reunion & visitor visas](#family) - [→ Which tariff for which visa?](#scenarios) - [→ Embassy file — 4 steps](#how-apply) - [→ Blocked account (Sperrkonto) bundle](#sperrkonto) - [→ Deep guides by visa type](#topics) - [→ Glossary](#glossary) - [→ FAQ](#faq) # Health insurance for your German visa: meet the €30,000 Schengen rule and the Ausländerbehörde proof — from €0.85/day ![Visa applicant at the German embassy holding a passport and insurance certificate for the Schengen and national D-visa file](/assets/visa-health-insurance-germany-hero-DFqxsyUe.webp) Sources: EU Regulation 810/2009 (Visa Code) · §§ 27–36 AufenthG · § 20a AufenthG (Chancenkarte) · § 68 AufenthG · Auswärtiges Amt · Care Concept AG · HanseMerkur GTC **No recognised insurance certificate — no visa.** German embassies and the Ausländerbehörde reject visa files without the right health-insurance proof, regardless of nationality. Whether you are applying for a Schengen short-stay visa (Type C) for tourism, business or family visit, a national D-visa for work, study, family reunion (Familiennachzug) or Chancenkarte, or sponsoring a relative on a visitor visa with a Verpflichtungserklärung — the certificate is the gate. Indian, Pakistani, Chinese, Bangladeshi, Iranian, Egyptian, Turkish, Vietnamese and visa-free passport holders all face the same two checks: EU Regulation 810/2009 for the embassy and recognised long-stay cover for the Ausländerbehörde. Whether you are moving to Germany from the USA, India or anywhere else, applying for a **German work visa** (Fachkräfteeinwanderungsgesetz, §§ 18a/18b AufenthG, Blue Card EU), the **job seeker visa Germany** or the new **Opportunity Card (Chancenkarte visa)** under § 20a AufenthG, a **spouse visa** or dependent visa for family reunification (visum partner, § 30 AufenthG), or a Schengen travel visa for tourism or a short trip — your **German visa application** goes through a German embassy or consulate, often via VFS Global, TLScontact or BLS International for the biometric appointment. Both the Schengen visa application form and the national visa application form ask for proof of travel medical insurance or recognised German health-insurance cover. The Federal Foreign Office's _Make it in Germany_ portal lists the same insurance requirement that we have summarised below for German immigration in plain English. For a Schengen C-visa (max 90 days), the standard solution is [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) — built around the €30,000 minimum medical cover, repatriation and validity across all 26 Schengen states required by EU Regulation 810/2009. For national D-visas (work, freelance, family reunion, Chancenkarte) and residence-permit holders, [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) is the recognised long-stay incoming product, valid up to 5 years and accepted by the Ausländerbehörde. For visiting parents, relatives and family-visit short stays up to 2 years, [Care Economy from €30 per 30 days](/en/insurance-plans/care-economy/overview/) is typically among the most affordable embassy-recognised options. Below: the €30,000 wording most German embassies typically check for on the certificate, when a Verpflichtungserklärung still leaves you uninsured, how to bridge the language-school / job-seeker / family-reunion gap before GKV begins, and the certificate template the Ausländerbehörde accepts for the residence-permit appointment. Editor's note: supporting visa applicants with private health-cover guidance since 2009, the two recurring rejections most often reported to us at the consulate counter are short-stay applicants whose policy excludes repatriation (rejected under EU 810/2009) and long-stay applicants who arrive with travel-style cover that the Ausländerbehörde refuses to accept for the residence permit. The matrix, price tables and country snapshot further down show exactly which tariff, certificate wording and embassy paperwork keep the visa decision date from slipping. Last reviewed by Steffan Grund on September 11, 2026. 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 ## What is health insurance for the German visa? **Quick answer:** German visa health insurance is any cover the German embassy and the Ausländerbehörde recognise on the visa file — Care Visa Protect for the Schengen C-visa (EU 810/2009 €30,000 rule), Care Expatriate for national D-visas, family reunion and Chancenkarte, and Care Economy for visitor and family-visit visas. In practice, three families of products serve visa applicants for Germany. First, **Care Visa Protect** — short-stay Schengen cover built around EU Regulation 810/2009: at least €30,000 medical, repatriation, valid in all 26 Schengen states. Sold by HanseMerkur Reiseversicherung AG. From €0.85/day (minimum €7.50 per policy), up to 92 days, must be purchased before the trip starts. Second, **Care Expatriate** — long-stay incoming insurance for national D-visa and residence-permit holders: work-permit applicants, freelancers, family reunion (Familiennachzug per §§ 27–36 AufenthG), Chancenkarte (§ 20a AufenthG) and researchers. From €58/month at ages 13–40, runs up to 5 years, recognised by German foreigners' offices (Ausländerbehörden) for the residence permit (Aufenthaltstitel). Third, **Care Economy** — flexible incoming product for visiting parents, relatives and short family-visit stays. From €30 per 30 days up to age 64, up to 2 years, accepted by German embassies for the visitor visa and for the Verpflichtungserklärung file the host sponsor signs at the Ausländerbehörde. See the official references from [Auswärtiges Amt (Federal Foreign Office)](https://www.auswaertiges-amt.de/en/visa-service) and [EU Regulation 810/2009 (Visa Code)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009R0810). ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 8, 2026** SourcesEU Regulation 810/2009 · §§ 27–36 AufenthG · § 20a AufenthG · § 68 AufenthG · Auswärtiges Amt · BMI · HanseMerkur GTC · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Need a recognised visa insurance certificate today? [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[30-second 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 C-visa (up to 90 days):** Care Visa Protect from €0.85/day (min €7.50) — meets EU 810/2009 €30,000 rule, repatriation, all 26 Schengen states. - **National D-visa (work, family reunion, Chancenkarte, freelance):** Care Expatriate from €58/month (ages 13–40), up to 5 years — recognised by German foreigners' offices (Ausländerbehörden) for the residence permit. - **Visitor & family-visit visa (parents, relatives):** Care Economy from €30/30 days (age up to 64), up to 2 years — typical embassy-recognised option for the Verpflichtungserklärung file. Key facts at a glance Reviewed September 8, 2026 - **Schengen €30,000 minimum:** EU 810/2009 Art. 15 requires medical cover of at least €30,000 with repatriation, valid in all 26 Schengen states for the entire visa duration. (Source: EU Regulation 810/2009). - **Schengen max duration:** 90 days within any 180-day rolling window. Care Visa Protect covers up to 92 days and must be purchased before the trip starts. (Source: Schengen Visa Code). - **National D-visa long-stay cover:** Care Expatriate up to 60 months (5 years), accepted by German foreigners' offices (Ausländerbehörden) for the residence permit (Aufenthaltstitel). (Source: Care Concept AVB). - **Verpflichtungserklärung scope:** Covers living costs under § 68 AufenthG but does NOT replace health insurance — visitor still needs Care Economy or equivalent on the file. (Source: § 68 AufenthG). ## What visa applicants worry about — and how each problem is solved **Quick answer:** Four pain points repeat at most German embassies and Ausländerbehörde counters: missing or non-compliant Schengen insurance proof (EU 810/2009), the wrong cover type for a national D-visa, visitor visas where the Verpflichtungserklärung is mistaken for insurance, and how to bundle the blocked account (Sperrkonto) with health insurance for student and Chancenkarte files. Each has a clean answer below — usually Care Visa Protect from €0.85/day, Care Expatriate from €58/month or Care Economy from €30/30 days. ## 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. ## Reality check: what happens at the German embassy without recognised insurance ## 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. ## Embassy appointment, biometrics deadline, residence-permit slot — why timing matters ## 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. ## Get your visa insurance certificate in 3 steps About 10 minutes online. Bilingual PDF by email. Recognised by the German embassy, the consulate and the Ausländerbehörde. ## 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 visa applicants say about Care Visa Protect and Care Expatriate for the German embassy file 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 visa health insurance for Germany — by visa type ### Best visa insurance for Germany — quick decision tree - → **Schengen C-visa (tourism, business, short family visit)** → Care Visa Protect — built for the EU 810/2009 €30,000 rule - → **National D-visa for work, freelance, family reunion or Chancenkarte** → Care Expatriate — recognised by German foreigners' offices (Ausländerbehörden) for the residence permit - → **Visitor visa for parents, relatives, family-visit stay** → Care Economy — flexible 30-day to 2-year cover, used with the host's Verpflichtungserklärung - → **Student or Chancenkarte visa with blocked account requirement** → BASTI Blocked Account paired with Care Economy or Care Expatriate 🛂 Schengen C-visa · EU 810/2009 ### 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 🏛️ National D-visa · residence permit ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof 👨‍👩‍👧 Visitor · family-visit visa ### 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, tier and duration **Quick answer:** Care Visa Protect is priced per day (from €0.85/day) with a €7.50 policy minimum. Care Visa Protect has no deductible and no tier structure — cover is up to €50,000, above the EU 810/2009 minimum of €30,000 for the Schengen visa. 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/) ### Care Expatriate — all prices by age band & tier **Quick answer:** Care Expatriate is priced per age band (0–12 / 13–40 / 41–60 / 61–74) and tier (Basic / Comfort / Premium). Entry premium is €58/month at ages 13–40 on the Basic tier — the recognised long-stay incoming product for national D-visas and the residence-permit (Aufenthaltstitel) appointment at the Ausländerbehörde. Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ### Care Economy — all prices for visitor & family-visit visas **Quick answer:** Care Economy is the flexible 30-day to 2-year cover for visitors, parents and relatives joining a family-visit visa: from €30 per 30 days up to age 64, scaling to €125 per 30 days for the 65–74 age band. All tiers include the €30,000 minimum medical cover and repatriation required for the Schengen visitor visa. Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ## How much is visa health insurance for Germany? Cost by profile **Quick answer:** Among the most affordable options at €0.85/day for short Schengen trips on Care Visa Protect. The standard route is €58/month for working-age long-stay applicants on Care Expatriate. Visiting parents and relatives typically pay €30 per 30 days on Care Economy (age up to 64) and up to €125 per 30 days (age 65 and over). This visa insurance comparison covers the three German embassy-recognised pathways. Visa profile Recommended tariff From Schengen C-visa — tourism, business, short trip [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) [from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) National D-visa — work, freelance, researcher [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) [from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) Family reunion (Familiennachzug §§ 27–36 AufenthG) [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) [from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) Chancenkarte (Opportunity Card § 20a AufenthG) [Care Economy](/en/insurance-plans/care-economy/overview/) or [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) [from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) Visitor visa — visiting parents, relatives [Care Economy](/en/insurance-plans/care-economy/overview/) [from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) Long-stay senior (65–74) on family-reunion visa [Care Expatriate (Premium tier)](/en/insurance-plans/care-expatriate/overview/) [from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) ## German visa health insurance by country of origin **Quick answer:** Recognition is decided by visa type, not passport — but the typical pathway and paperwork stack do vary by country. The matrix below maps the most common non-EU origins to the recommended German embassy-recognised visa tariff and the bilingual Versicherungsbestätigung (insurance certificate) the consulate expects. Most German visa appointments are booked through VFS Global or TLScontact for the biometric appointment and document submission. Whichever route you take, the insurance certificate (Versicherungsbestätigung) is checked against EU Regulation 810/2009 for Schengen C-visas and against § 5 AufenthG (Krankenversicherungsnachweis) for national D-visas — the Care Concept / HanseMerkur certificate is pre-formatted to satisfy both reviews. Long-tail context: visa medical insurance Germany, German Schengen visa health requirements, Krankenversicherung deutsches Visum, family reunion visa Germany insurance, spouse visa Germany, dependent visa Germany, visum partner, Familiennachzug, Chancenkarte Versicherung Deutschland, Opportunity Card insurance Germany (Chancenkarte visa), Fachkräfteeinwanderungsgesetz Krankenversicherung, German work visa health insurance, German skilled worker visa, German work permit, Germany employment visa, Germany job visa, job seeker visa Germany cover, travel medical insurance €30,000 Schengen, minimum travel insurance amount Schengen visa, is travel insurance mandatory for Schengen visa, how much is travel insurance for Schengen visa, Schengen visa requirements, Schengen travel visa, trip insurance for Germany, traveler's insurance Germany, repatriation cover EU 810/2009, residence permit insurance proof § 5 AufenthG, Blue Card EU § 18b AufenthG, § 16b AufenthG Studium, § 20 AufenthG classic job-seeker visa, VFS Global / TLScontact / BLS International (BLS Intl Services) biometric appointment, Versicherungsbestätigung embassy file, German embassy / consulate appointment, transit visa Germany, bank balance required for Germany student visa, bank balance required for Germany tourist visa, EU visa for US citizens, EU visa for Americans, moving to Germany from USA, German immigration requirements, German immigration website, Germany travel advisory, Schengen area travel advisory 2026, Make it in Germany. Country of origin Typical visa pathway Recommended tariff India / Pakistan / Bangladesh / Sri Lanka Schengen C-visa or national D-visa (work, study, family reunion); Sperrkonto often required [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) (short) / [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (long) China / Vietnam / Indonesia / Philippines Schengen C-visa, often APS certificate for Chinese applicants on study D-visas [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) / [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) Iran / Egypt / Morocco / Tunisia / Syria Schengen C-visa; national D-visa for family reunion (Familiennachzug) [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) → [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) Turkey / Ukraine / Russia Schengen C-visa; family-reunion D-visa frequent; Chancenkarte (Turkey) [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) → [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) Brazil / Mexico / Colombia / Argentina Visa-free entry; residence permit applied for in Germany (§ 41 AufenthV) [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) / [Care Economy](/en/insurance-plans/care-economy/overview/) (visit) USA / Canada / UK / Australia / NZ / Japan / Korea / Israel Visa-free entry, permit applied for in Germany [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) / [Care Economy](/en/insurance-plans/care-economy/overview/) (visit) Visiting parents & relatives (any country) Short-stay Schengen visitor visa with Verpflichtungserklärung from German host [Care Economy](/en/insurance-plans/care-economy/overview/) or [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) India / Pakistan / Bangladesh / Sri Lanka Schengen C-visa or national D-visa (work, study, family reunion); Sperrkonto often required → [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) (short) / [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (long) China / Vietnam / Indonesia / Philippines Schengen C-visa, often APS certificate for Chinese applicants on study D-visas → [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) / [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) Iran / Egypt / Morocco / Tunisia / Syria Schengen C-visa; national D-visa for family reunion (Familiennachzug) → [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) → [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) Turkey / Ukraine / Russia Schengen C-visa; family-reunion D-visa frequent; Chancenkarte (Turkey) → [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) → [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) Brazil / Mexico / Colombia / Argentina Visa-free entry; residence permit applied for in Germany (§ 41 AufenthV) → [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) / [Care Economy](/en/insurance-plans/care-economy/overview/) (visit) USA / Canada / UK / Australia / NZ / Japan / Korea / Israel Visa-free entry, permit applied for in Germany → [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) / [Care Economy](/en/insurance-plans/care-economy/overview/) (visit) Visiting parents & relatives (any country) Short-stay Schengen visitor visa with Verpflichtungserklärung from German host → [Care Economy](/en/insurance-plans/care-economy/overview/) or [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) Recognition is decided case by case by the German embassy and the Ausländerbehörde — this matrix reflects the most frequent patterns we have observed since 2009 placing Care Concept and HanseMerkur cover for visa applicants worldwide. Always verify against your specific visa decision and embassy checklist (rules current as of September 11, 2026). ## Schengen visa (Type C) for Germany — the €30,000 rule explained **Quick answer:** EU Regulation 810/2009 Article 15 requires Schengen visa applicants to hold travel medical insurance of at least €30,000 with emergency care, hospitalisation and repatriation, valid in all 26 Schengen states for the entire visa duration. Care Visa Protect by HanseMerkur Reiseversicherung AG is built around this rule from €0.85/day (minimum €7.50 per policy). The Schengen visa (Type C) covers short stays of up to 90 days within any rolling 180-day window across the entire Schengen Area — Germany, France, Italy, Spain and 22 further countries. Tourism, business trips, short family visits and conferences all fall under Type C. The embassy verifies four things on the insurance certificate: the €30,000 minimum cover, repatriation in case of serious illness, validity in all 26 Schengen states, and that the policy duration covers the full requested visa period. Files without this exact wording — for example a US travel policy without the repatriation clause, or a non-Schengen-wide international travel insurance — are regularly rejected at the embassy counter. The Schengen visa insurance Germany certificate from Care Visa Protect is pre-formatted with the Article 15 wording that German consulates typically check for. The policy must be purchased before the trip starts — the German embassy will not accept a Schengen insurance certificate dated after the requested entry date. For stays beyond 90 days, the Schengen rule no longer applies; switch to [Care Expatriate (from €58/month (up to 5 years))](/en/insurance-plans/care-expatriate/overview/) for the national D-visa and the residence permit at the Ausländerbehörde. Schengen insurance checklist — what German consulates typically verify - ✓ Minimum medical cover of €30,000 (Article 15 EU 810/2009) - ✓ Emergency medical care and hospitalisation included - ✓ Medical repatriation to home country included - ✓ Valid in all 26 Schengen states - ✓ Policy duration covers the full requested visa period - ✓ Bilingual certificate (English + German) for the embassy file Official references: [EU Regulation 810/2009 (Visa Code)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009R0810) and [Auswärtiges Amt — Schengen visa](https://www.auswaertiges-amt.de/en/visa-service/schengenvisa). ## National D-visa & residence permit (Aufenthaltstitel) **Quick answer:** For stays over 90 days — work, study, family reunion, freelance, researcher or Chancenkarte — applicants need a national D-visa from the German embassy and then a residence permit (Aufenthaltstitel) from the Ausländerbehörde after arrival. Care Expatriate from €58/month is the recognised long-stay incoming product for both appointments. The national D-visa (Nationales Visum, § 6 Abs. 3 AufenthG) is the long-stay entry visa for Germany. It is typically issued for 90–180 days and is converted into a residence permit (Aufenthaltstitel) at the local Ausländerbehörde once the holder is registered (Anmeldung) at a German address. The Ausländerbehörde verifies recognised German health-insurance cover at residence-permit renewal — travel-style policies without long-stay validity are typically refused. Employees on a German payroll automatically join statutory GKV (e.g. [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/)) from the first day of work — no Care Expatriate needed beyond the gap between arrival and the first payroll. Freelancers, researchers, family-reunion spouses, Chancenkarte holders and most non-employee D-visa holders use [Care Expatriate (from €58/month (up to 5 years))](/en/insurance-plans/care-expatriate/overview/) for the full residence-permit duration up to 5 years. National D-visa categories that use Care Expatriate - **Family reunion (Familiennachzug §§ 27–36 AufenthG):** spouses, minor children, parents of minor Germans — Care Expatriate until GKV access begins. - **Chancenkarte (Opportunity Card § 20a AufenthG):** points-based job seeker visa, 12 months extendable — Care Expatriate or Care Economy. - **Freelance / self-employment (§ 21 AufenthG):** Freiberufler and entrepreneurs — Care Expatriate is the recognised long-stay route. - **Researcher / scientist (§ 18d AufenthG):** EU Researcher Directive — Care Expatriate for the research-permit duration. - **Au-pair (§ 12 BeschV):** use [Care Au-Pair](/en/insurance-plans/care-au-pair/overview/) instead — built around the host-family stay. ## Family reunion & visitor visas — insurance for spouses, children and parents **Quick answer:** Family reunification (Familiennachzug) requires Care Expatriate from €58/month for spouses and minor children joining a German resident — recognised by the Ausländerbehörde for the residence permit. Visiting parents and short family stays use Care Economy from €30/30 days with the host's Verpflichtungserklärung on the embassy file. Family reunification is regulated by §§ 27–36 AufenthG. Spouses, minor children and parents of minor Germans can join a relative who already lives in Germany on a family-reunion D-visa, then receive a residence permit at the Ausländerbehörde. The joining family member needs recognised German health insurance from day one — [Care Expatriate (from €58/month (up to 5 years))](/en/insurance-plans/care-expatriate/overview/) is the standard route for working-age spouses and senior parents alike. Once a spouse joins German employment, they switch to statutory GKV automatically. Parents aged 61–74 on long-stay family reunion typically remain on Care Expatriate (Basic tier from €246/month). For short family-visit stays under 90 days — typically visiting parents, grandparents and siblings — the visitor uses a Schengen C-visa or visa-free entry, often supported by a **Verpflichtungserklärung** signed by the host at the Ausländerbehörde. The Verpflichtungserklärung covers living costs under § 68 AufenthG and removes the host's personal liability for the visitor's costs, but it does NOT replace health insurance. The visitor still needs their own recognised cover — [Care Economy (from €30 / 30 days (up to 2 years))](/en/insurance-plans/care-economy/overview/) is the typical embassy-recognised choice, with the €30,000 medical cover and repatriation included for the Schengen visitor visa. ## Which visa insurance fits which situation? **Quick answer:** Use this matrix to map your visa type — Schengen short stay, national D-visa, family reunion, Chancenkarte, freelance, researcher, visitor or blocked-account bundle — to the tariff and entry price most commonly recommended. Your situation Recommended tariff From Schengen tourism / business / short visit (up to 90 days) [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) from €0.85/day (up to 92 days) National D-visa for work or freelance (over 90 days) [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) from €58/month (up to 5 years) Family reunion (spouse / minor child) [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) from €58/month (up to 5 years) Chancenkarte (Opportunity Card) [Care Economy](/en/insurance-plans/care-economy/overview/) or [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) from €30 / 30 days (up to 2 years) Visiting parents (Schengen visitor visa with Verpflichtungserklärung) [Care Economy](/en/insurance-plans/care-economy/overview/) from €30 / 30 days (up to 2 years) Senior family reunion (parent 65–74) [Care Expatriate (Premium tier)](/en/insurance-plans/care-expatriate/overview/) from €58/month (up to 5 years) Visa file requiring blocked account (Sperrkonto) [BASTI Blocked Account + Care Economy / Expatriate](/en/insurance-plans/blocked-account/overview/) from €4.90/month (12 months) Not sure which fits? [Try the 30-second tariff finder](/en/tariffinder-germany/). ## The German visa embassy file — 4 steps to certificate & submission **Quick answer:** The bilingual insurance certificate is what the German embassy and the Ausländerbehörde stamp into the visa file. Four steps from quote to confirmed submission, typically completed within 24 hours. How to get health insurance for the German visa, step by step: most consulates outsource the German visa application appointment to external service providers — VFS Global, TLScontact or BLS International (BLS Intl Services), depending on country. The Versicherungsbestätigung (bilingual PDF certificate) is uploaded with the rest of the file at the visa application centre alongside the passport, biometric photo, proof of funds (for student visas this is the blocked account / Sperrkonto bank-balance requirement of €11,904) and the Verpflichtungserklärung for visitor visas. 1. **1\. Pick the right route.** Schengen C-visa (max 90 days) → Care Visa Protect. National D-visa for work, study, family reunion or Chancenkarte → Care Expatriate. Visitor or family-visit visa → Care Economy. 2. **2\. Apply online.** Complete the bilingual online application — about 10 minutes. No medical exam required and typically no waiting period. The bilingual PDF certificate usually arrives by email the same day. 3. **3\. Submit to the German embassy.** Upload or print the certificate together with passport, biometric photo, blocked account proof (if required) and the Verpflichtungserklärung for visitor visas. 4. **4\. Confirm at the Ausländerbehörde.** After arrival on a national D-visa, present the same certificate at the residence-permit (Aufenthaltstitel) appointment. Renew or switch the policy as needed for longer stays. ## Blocked account (Sperrkonto) + visa insurance: the embassy bundle **Quick answer:** Student visa, Chancenkarte and some family-reunion files require both a blocked account (in German: Sperrkonto, €11,904 deposit) and a recognised health-insurance certificate. Bundling both in one online application saves a second embassy appointment and one rejected resubmission. Our recommended blocked account for visa applicants moving to Germany is [BASTI Blocked Account](/en/insurance-plans/blocked-account/overview/) [from €4.90/month + €65 one-time setup](/en/insurance-plans/blocked-account/overview/) — bilingual onboarding, an embassy-ready confirmation PDF and optional health insurance, accident and liability add-ons inside the same checkout. Most Chancenkarte applicants pair it with [Care Economy (from €30 / 30 days (up to 2 years))](/en/insurance-plans/care-economy/overview/) for the flexible job-search window, then switch to [Care Expatriate (from €58/month (up to 5 years))](/en/insurance-plans/care-expatriate/overview/) once they land a contract. Family-reunion applicants typically bundle the blocked account directly with Care Expatriate — no Chancenkarte detour required. 🏦 Embassy-ready · €11,904 deposit ### BASTI Blocked Account from only €4.90 / month + €65 one-time fee (buffer amount: €100) For visas, university studies, language school, Studienkolleg, vocational training & the German Opportunity Card - Accepted by German authorities; usable for visa documents - Blocked account + bank account + German IBAN in one application - Debit card included – practical after arrival in Germany - Low fees: €4.90/month + €65 one-time fee - Online registration possible from abroad - Monthly blocked amount adjustable based on embassy requirements - 3 packages available: Basic, Smart & Premium - Smart/Premium: incoming health insurance included - Smart/Premium: accident & liability insurance included - Suitable for students, language students, Studienkolleg, vocational training & job search Why BASTI Blocked Account? For anyone who needs an accepted blocked account for a German visa or residence permit — with a bank account, German IBAN and matching insurance options in one application. Why Smart or Premium? More security before entering Germany: health insurance, bank account and blocked account are combined, so you need fewer separate applications and can better prepare important documents. - 🏛️ Powered by VietinBank · BASTI / Care Concept - 📄 Suitable for visas, embassies & immigration authorities - 💳 Blocked account + bank account + German IBAN + debit card - 🏷️ From €4.90 / month · €65 one-time fee · €100 buffer [BASTI Blocked Account – Quick Overview](/en/insurance-plans/blocked-account/overview/) [Apply online now](/en/insurance-plans/blocked-account/apply/) → Complete the application, open and fund your blocked account, prepare your visa proof Why BASTI Blocked Account? - → Bilingual embassy confirmation in 1–3 working days - → Optional Care Visa Protect, accident & liability add-ons - → €4.90/month account fee + €65 one-time setup - → Funds released monthly (€992/month) after arrival → [Open the blocked account guide](/en/insurance-plans/blocked-account/overview/) ### BASTI Blocked Account — full pricing Fees & premiums BASTI Basic Bestseller BASTI Smart BASTI Premium Monthly fee €4.90 €4.90 €4.90 One-time processing fee €65.00 €65.00 €65.00 Buffer amount €100.00 €100.00 €100.00 Incoming health insurance FREE FREE Statutory health insurance (DAK) €145.52 €135.52 €145.52 Accident & liability insurance €7.50 €7.50 Required blocked amount: €11,904 = 12 × €992 monthly blocked amount, plus a €100 buffer (BAföG rate, as of 2026) — this is a deposit, not a fee. One-time processing fee €65 (€50 account opening + €5 balance confirmation + €10 account management). Smart saves about €153 on incoming insurance. As of 2026. [BASTI — Overview](/en/insurance-plans/blocked-account/overview/) [Apply now](/en/insurance-plans/blocked-account/overview/) Bundle pricing and exact embassy paperwork vary by country and consulate. Our [blocked account product page](/en/insurance-plans/blocked-account/overview/) maps the complete embassy checklist by country. ## Visa insurance topics: deep guides by visa type ### Schengen short stay (Type C) - → [Schengen visa health insurance Germany](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/) — EU 810/2009 €30,000 rule explained - → [Short-stay health insurance Germany](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/) — up to 92 days, embassy-ready - → [Schengen visa mini-hub — €30,000 rule, repatriation, Care Visa Protect from €0.85/day](/en/guide-health-insurance-germany/costs-benefits-germany/schengen-visa-health-insurance-germany/) - → [FAQ — health insurance for foreigners in Germany (full overview)](/en/guide-health-insurance-germany/faq-germany/) - → [Visa insurance for Indian citizens (New Delhi, Mumbai, Chennai, Bengaluru, Kolkata)](/en/guide-health-insurance-germany/faq-germany/for-indian-citizens/) - → [Visa insurance for Turkish citizens (Istanbul, Ankara, Izmir, Antalya)](/en/guide-health-insurance-germany/faq-germany/for-turkish-citizens/) - → [Visa insurance for Nigerian citizens (Lagos, Abuja — Schengen & Chancenkarte)](/en/guide-health-insurance-germany/faq-germany/for-nigerian-citizens/) - → [Visa & visa-free insurance for US citizens (90-day rule, Blue Card, freelance)](/en/guide-health-insurance-germany/faq-germany/for-american-citizens/) - → [Visa & visa-free insurance for Brazilian citizens (freelance, artist, family)](/en/guide-health-insurance-germany/faq-germany/for-brazilian-citizens/) ### Visitor & family-visit visas - → [Foreign visitors visa health insurance Germany](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/) — parents and relatives - → [Health insurance for Chinese visitors & business travellers (EU / Schengen)](/en/health-insurance-visa-foreigners-germany/health-insurance-chinese-visitors-business-travelers-eu-schengen-germany/) ### Family reunification (Familiennachzug) - → [Health insurance for family & parent reunification in Germany](/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/) - → [Care Expatriate — long-stay incoming for spouses & minor children](/en/insurance-plans/care-expatriate/overview/) ### National D-visa & residence permit - → [Care Expatriate — recognised for the Ausländerbehörde appointment](/en/insurance-plans/care-expatriate/overview/) - → [Expat hub — long-stay options for workers, freelancers and researchers](/en/expat-health-insurance-germany/) ## Glossary — German visa health insurance terms **Quick answer:** The terms below appear in most German embassy and Ausländerbehörde paperwork. Mastering them shortens the visa file from days to one afternoon. German visa health insurance sits inside a larger global category — travel medical insurance — where applicants also encounter brand names such as **Allianz Travel**, **AXA Schengen**, **Europ Assistance**, **HanseMerkur**, **Mawista Visum** and **Care Concept**. For a German embassy file what matters is the wording, not the brand: the policy must meet EU Regulation 810/2009 (≥ €30,000 cover, all 26 Schengen states, repatriation). The tariffs we place — Care Visa Protect for the Schengen C-visa, Care Economy for visitor and Chancenkarte stays, Care Expatriate for national D-visa and Familiennachzug — are built on the exact text most German consulates and Ausländerbehörden look for. Schengen visa (Type C) Short-stay visa for the Schengen Area, max 90 days within any 180. EU Regulation 810/2009 requires medical travel insurance of at least €30,000 valid in all 26 Schengen states, including repatriation. Care Visa Protect is built for this requirement. National D-visa (long-stay) National long-stay visa issued by the German embassy for stays over 90 days — work, study, family reunion, freelance, researcher and Chancenkarte. Converted into a residence permit (Aufenthaltstitel) at the Ausländerbehörde after arrival. Aufenthaltstitel / residence permit German residence permit issued by the Ausländerbehörde after arrival on a national D-visa. Most permits require proof of recognised health insurance — typically Care Expatriate for non-employees and family-reunion holders. Familiennachzug (family reunification) Family-reunion residence permit per §§ 27–36 AufenthG (spouses, children, parents of minor Germans). The Ausländerbehörde appointment requires proof of valid German health insurance for the joining family member — usually Care Expatriate or Care Economy until GKV access begins. Chancenkarte (Opportunity Card) Points-based job-seeker visa under § 20a AufenthG (effective 1 June 2024). Holders need recognised health insurance for the entire stay — typically Care Economy or Care Expatriate, often bundled with a blocked account (Sperrkonto). Verpflichtungserklärung Formal declaration of liability under § 68 AufenthG signed by a German sponsor at the Ausländerbehörde. It covers living costs but does NOT replace health insurance — the visa applicant still needs their own German-recognised cover (typically Care Economy for visitor visas). Repatriation cover Medical repatriation to the home country — mandatory under EU Regulation 810/2009 for Schengen visa applicants. Care Visa Protect, Care Economy and Care Expatriate all include repatriation as standard. Sperrkonto (blocked account) German blocked account proving €11,904 of available funds, required by the embassy for student visas, Chancenkarte and certain family-reunion files. Often bundled with health insurance for one consolidated embassy submission. Ausländerbehörde (foreigners office) Local German immigration authority. After arrival on a national D-visa, the residence permit (Aufenthaltstitel) is collected at the Ausländerbehörde — health-insurance proof is checked at that appointment. EU Regulation 810/2009 (Visa Code) EU regulation defining Schengen visa rules. Article 15 requires applicants to hold travel medical insurance covering expenses of at least €30,000 in all Schengen states, including emergency medical care, hospital treatment and repatriation. Schengen Area 26 European countries with open borders. A Schengen visa issued by any member state grants entry to all 26 — Care Visa Protect is valid across the full Schengen Area for the entire visa duration up to 92 days. Incoming insurance German legal category for private health insurance for foreigners with primary residence abroad. Includes Care Visa Protect, Care Expatriate, Care Economy and Care Au-Pair. Not the same as German PKV (private substitute insurance for residents). Versicherungsbestätigung (insurance certificate) Bilingual PDF certificate (English + German) that confirms recognised health-insurance cover for the German visa file. Issued by Care Concept / HanseMerkur usually the same day as the online application; uploaded with the embassy file and presented again at the Ausländerbehörde for the residence permit. Verpflichtungserklärung (§ 68 AufenthG) Formal declaration of liability signed by a German sponsor at the Ausländerbehörde. Covers living costs but does NOT replace health insurance for the visa applicant — typically paired with Care Economy for visitor visas. Aufenthaltstitel (residence permit) German residence permit issued by the Ausländerbehörde after arrival on a national D-visa. Most permits require proof of recognised German health insurance — typically Care Expatriate for non-employees and family-reunion holders. Blue Card EU / § 18b AufenthG Residence permit for highly qualified skilled workers (university degree + minimum salary threshold). Blue Card holders join statutory GKV from the first day of employment; non-employed spouses on family reunion typically use Care Expatriate. Fachkräfteeinwanderungsgesetz (Skilled Immigration Act) German Skilled Immigration Act reforming employment-based migration from non-EU countries: skilled workers (§§ 18a/18b AufenthG), Blue Card EU, vocational training (§ 16a) and the points-based Chancenkarte (§ 20a). Most pathways trigger statutory GKV on the first payroll day; family members joining on Familiennachzug bridge with Care Expatriate. § 16b AufenthG (Studium) Residence-permit basis for foreign university students in Germany. Students under 30 join statutory GKV (e.g. DAK-Gesundheit); students over 30 and PhD candidates use the GKV-equivalent private alternative Care Student. Visa applicants typically attach the M10 electronic notification to the file. VFS Global / TLScontact / BLS International External service providers that handle visa appointment booking, biometric collection and document submission on behalf of German embassies and consulates worldwide. The insurance certificate (Versicherungsbestätigung) is uploaded with the rest of the visa file at the VFS Global, TLScontact or BLS International counter. Spouse visa / dependent visa Germany Common English terms for the family-reunion residence permit (§ 30 AufenthG for spouses, § 32 for minor children) — also referred to as Familiennachzug or visum partner. Standard cover is Care Expatriate from €58/month until the spouse joins German employment or qualifies for free GKV Familienversicherung. § 20 AufenthG (classic job-seeker visa) Original 6-month job-seeker visa for university graduates, still available alongside the points-based Chancenkarte (§ 20a). Holders cannot work full-time and need recognised health insurance for the full stay — Care Economy from €30/30 days or Care Expatriate from €58/month. Travel medical insurance for the Schengen Area Global insurance category that includes any product meeting EU Regulation 810/2009 minimums (€30,000 cover, all 26 Schengen states, repatriation). Widely searched providers in this category include Allianz Travel, AXA Schengen, Europ Assistance, HanseMerkur, Mawista Visum and Care Concept. For a German embassy file, any tariff that meets the EU minimums is technically acceptable; the Care Visa Protect tariff we place is built on the wording most German consulates and Ausländerbehörden look for. Long-stay private insurance providers (Incoming category) Incoming insurance is the German legal category for private cover for foreigners staying temporarily in Germany. Beyond the Care Concept tariffs we place (Care Expatriate, Care Economy, Care Au-Pair), examples of insurers and brokers active in this segment include HanseMerkur, Mawista, DR-WALTER, Hallesche, Ottonova, ALC Health and Cigna Global. Substitutive German PKV (e.g. Debeka, Signal Iduna, Allianz Krankenversicherung, Gothaer, Hallesche, Barmenia) is a separate long-term product for permanent residents and typically only relevant once income, residence status and underwriting allow that switch. ## Frequently asked questions about German visa health insurance ## Frequently Asked Questions How much is health insurance for the German visa? For a Schengen C-visa (up to 90 days), Care Visa Protect starts at €0. Visa health insurance cost in Germany depends on visa type and duration. 85/day (minimum €7. 50 per policy) — meets the €30,000 EU 810/2009 minimum across all 26 Schengen states. For a national D-visa, family reunion or Chancenkarte stay (over 90 days), Care Expatriate starts at €58/month (ages 13–40) and runs up to 5 years. For visitor and family-visit visas of up to 2 years, Care Economy starts at €30 per 30 days (age up to 64) — typically among the most affordable embassy-recognised options. Which insurance is best for the German visa? Schengen C-visa (tourism, business, short visit): Care Visa Protect — built for EU Regulation 810/2009 with €30,000 minimum medical cover, repatriation and validity across all 26 Schengen states. It depends on visa type. National D-visa for work, family reunion, freelance or Chancenkarte: Care Expatriate — long-stay incoming product up to 5 years, recognised by the Ausländerbehörde for the residence permit. Visitor or family-visit visa: Care Economy — flexible 30-day to 2-year cover for visiting parents and relatives. How to get visa health insurance for Germany before the embassy appointment? (1) Identify the right tariff for your visa: Care Visa Protect (Schengen C), Care Expatriate (national D / family reunion / Chancenkarte) or Care Economy (visitor / family visit). Three steps. (2) Apply online — about 10 minutes — and download the bilingual insurance certificate as visa proof for the German embassy. (3) Submit the certificate with the rest of your file (passport, biometric photo, Sperrkonto if required, Verpflichtungserklärung for visitor visas). PDF certificate usually arrives by email the same day. What is the €30,000 Schengen insurance rule? Care Visa Protect meets this rule with policies from €0. EU Regulation 810/2009 Article 15 requires Schengen visa applicants to hold travel medical insurance of at least €30,000 covering emergency medical care, hospitalisation and repatriation, valid in all 26 Schengen member states for the entire visa duration. 85/day (minimum €7. 50). Embassies typically reject files without this exact wording on the insurance certificate (rules current as of September 11, 2026). Do I need separate insurance for a national D-visa to Germany? Yes — for stays over 90 days the Schengen rule no longer applies. The German embassy and the Ausländerbehörde require recognised German health insurance for the residence permit (Aufenthaltstitel). Most non-employees use Care Expatriate from €58/month (up to 5 years) — accepted for work-permit, freelance, family-reunion and Chancenkarte residence permits. Employees on a German payroll automatically join statutory GKV (e.g. DAK-Gesundheit) from their first day of work. Can my parents get a visa to visit me in Germany — and which insurance? Yes — Care Economy is the standard choice — flexible 30-day to 2-year cover, accepted by the German embassy and by the Ausländerbehörde for visa extensions. Premium starts at €30 per 30 days for ages up to 64 and scales to €125 per 30 days for the age 65 and over age band. Includes the €30,000 minimum medical cover and repatriation required for the Schengen visitor visa. Which insurance for the Chancenkarte (Opportunity Card) in Germany? Chancenkarte holders need recognised German health insurance for the full stay (up to 12 months, extendable). The two recognised choices are Care Economy (from €30/30 days, flexible month-by-month) for budget-conscious job seekers and Care Expatriate (from €58/month, longer commitment) for those planning to stay beyond the job-search window. Both are bundled in our Sperrkonto package for the embassy file. Which insurance for the family reunification visa to Germany? Family reunion (Familiennachzug per §§ 27–36 AufenthG) requires the joining family member to hold recognised German health insurance from the day of entry. Care Expatriate is the standard choice from €58/month for working-age spouses and from €246/month for parents aged 61–74. Once the spouse joins a German employer or the GKV-insured sponsor extends Familienversicherung, the family member can switch into statutory GKV. Which visa insurance do Indian, Chinese or Turkish applicants need for Germany? Indian, Pakistani, Chinese, Bangladeshi, Iranian, Turkish, Egyptian and Vietnamese applicants moving to Germany on a Schengen C-visa use Care Visa Protect (from €0. Visa pathway, not nationality, decides cover. 85/day). On a national D-visa for work, study, family reunion or Chancenkarte, Care Expatriate (from €58/month) is the standard route. For visitor visas (parents, relatives), Care Economy (from €30/30 days) is the typical embassy-recognised choice. The German embassy and the Ausländerbehörde generally apply the same procedural rules regardless of passport. Can I extend visa insurance after the first 90 days? Care Visa Protect is Schengen-only (max 92 days, must be purchased before the trip starts). For longer stays, switch to Care Expatriate (up to 5 years) or Care Economy (up to 2 years) — both are recognised by the Ausländerbehörde for residence-permit extensions and can be purchased online while still in Germany. Does the Verpflichtungserklärung replace health insurance? No — the visa applicant still needs their own recognised German health insurance — typically Care Economy for visitor visas and Care Expatriate for longer family-reunion stays. Do I need a blocked account and health insurance together for the German visa? Student visa, Chancenkarte and some family-reunion files require both — a blocked account (Sperrkonto) with €11,904 and recognised health insurance. It depends on visa type. Most applicants choose a bundle (e. g. blocked account + Care Expatriate or + Care Economy) and submit one consolidated PDF stack to the embassy. Schengen C-visa and visitor visas usually require only the insurance proof and a Verpflichtungserklärung from the host. How does German visa health insurance work? EU Regulation 810/2009 sets the floor for the Schengen C-visa: at least €30,000 medical cover, repatriation, valid in all 26 Schengen states. The German embassy enforces this for short-stay applicants — Care Visa Protect (from €0.85/day) is built around it. For national D-visas, the Ausländerbehörde requires recognised German cover for the residence permit (Aufenthaltstitel) — Care Expatriate (from €58/month, up to 5 years) is the recognised long-stay incoming product. Visitor and family-visit visas use Care Economy (from €30/30 days). The insurer issues a bilingual PDF certificate for embassy submission — typically the same day as the online application. Can I switch from a private visa insurance (Care Expatriate) to GKV later? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. Yes, in many cases. Once a Care Expatriate holder takes up a German employment contract, they automatically join statutory GKV (e.g. DAK-Gesundheit) from the first day of employment — no underwriting required. Spouses joining a GKV-insured partner may also qualify for free Familienversicherung. Care Visa Protect is short-stay only and ends on the visa expiry date — no switch path is needed. Do foreigners need private or public health insurance for the German visa? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. For the visa application itself, foreigners with primary residence abroad use private incoming insurance — Care Visa Protect (Schengen), Care Expatriate (national D) or Care Economy (visitor). Statutory GKV (public) is not available to non-residents. After arrival on a national D-visa, foreigners who take up German employment join statutory GKV automatically; freelancers, students over 30 and family-reunion family members typically remain on private incoming cover or use the recognised GKV-equivalent (e.g. Care Student for students). Do US citizens need a German visa? For the visa-free short stay, Schengen travel medical insurance is recommended (Care Visa Protect from €0. US, Canadian, UK, Australian, NZ, Japanese, Korean and Israeli passport holders enter Germany visa-free for stays up to 90 days (Schengen short stay) and apply for the residence permit (Aufenthaltstitel) in Germany at the Ausländerbehörde for longer stays. 85/day) although not always demanded at the border. For the residence permit appointment after moving to Germany, recognised long-stay cover such as Care Expatriate from €58/month is required by most Ausländerbehörden for non-employees, freelancers and family-reunion spouses. Is travel insurance mandatory for the German visa? For a Schengen C-visa to Germany: yes — EU Regulation 810/2009 Article 15 requires travel medical insurance with €30,000 minimum cover, repatriation and validity in all 26 Schengen states. For a national D-visa: § 5 AufenthG requires proof of recognised health-insurance cover (Krankenversicherungsnachweis) before the residence permit is issued. The Care Visa Protect bilingual Versicherungsbestätigung (insurance confirmation) satisfies the Schengen rule from €0.85/day; Care Expatriate satisfies the AufenthG long-stay requirement from €58/month. How much does Schengen visa health insurance for Germany cost? Care Visa Protect starts at €0.85/day with a minimum policy premium of €7.50. A typical 30-day Schengen trip is around €25–€35 in the under-65 age band; a 90-day Schengen trip is around €76–€95. Premiums rise with age (65–74 band) and with optional Comfort/Premium tiers. All tiers meet the EU 810/2009 €30,000 minimum medical cover with repatriation across all 26 Schengen states — the wording German consulates verify. What is the minimum travel insurance amount for a Schengen visa to Germany? Care Visa Protect is built to this minimum and covers up to €50,000, above the EU 810/2009 minimum, at a per-day entry price of €0.85 (up to age 64) and €2.60 (ages 65–74). EU Regulation 810/2009 Article 15 sets the floor at €30,000 minimum medical cover, including emergency hospitalisation and medical repatriation, valid across all 26 Schengen states for the entire requested visa duration. Most German consulates verify this exact wording on the bilingual Versicherungsbestätigung. Do I need a transit visa for Germany when changing flights in Frankfurt or Munich? A travel medical insurance certificate (Care Visa Protect from €0. Nationals of most countries do not need a German airport transit visa for a same-day connection inside the Schengen international zone. Holders of passports from a limited list of countries (Afghanistan, Bangladesh, Eritrea, Ethiopia, Ghana, Iran, Iraq, Nigeria, Pakistan, Somalia, Sri Lanka, Syria) may need an Airport Transit Visa (Visum A) — verify with the German consulate responsible for you. 85/day) is still useful for stopovers that include border entry. Is travel medical insurance from providers like Allianz Travel, AXA Schengen or Mawista recognised for a German visa? 85/day (minimum €7. EU Regulation 810/2009 Article 15 sets the recognition floor for any Schengen visa file: €30,000 minimum medical cover, valid in all 26 Schengen states for the entire visa duration, including emergency hospitalisation and medical repatriation. Any travel medical insurance tariff that meets this wording can in principle be attached to a German consulate file — the global category includes products from Allianz Travel, AXA Schengen, Europ Assistance, HanseMerkur, Mawista Visum and Care Concept among others. Where Care Visa Protect (by HanseMerkur Reiseversicherung AG) tends to be useful is the bilingual Versicherungsbestätigung pre-formatted in the wording most German consulates and Ausländerbehörden look for, with the certificate typically issued the same day from €0. 50). Always re-check the current requirements on the website of the German consulate responsible for you. How much does Schengen visa health insurance for Germany cost in 2026? Care Visa Protect Reisekrankenversicherung Schengen starts at €0.85/day with a minimum policy premium of €7.50. Typical 30-day Schengen trips land around €25–€35 in the under-65 age band; a 90-day trip is around €76–€95. All tiers meet the EU 810/2009 €30,000 minimum and the wording German consulates verify. For longer stays beyond 90 days, switch to Care Expatriate (from €58/month) or Care Economy (from €30/30 days) — both are accepted by the Ausländerbehörde for the residence permit (Aufenthaltstitel). Buy health insurance for a German visa application — what exactly does the consulate check? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. The German consulate verifies four points on the bilingual Versicherungsbestätigung: (1) minimum €30,000 medical cover including emergency hospitalisation, (2) explicit medical repatriation, (3) validity across all 26 Schengen states, (4) coverage for the entire requested visa duration. Care Visa Protect ships the certificate pre-formatted in this exact wording and typically issues it by email the same day as the online application — useful when you are scheduling an embassy appointment on a tight timeline. Which insurance is accepted for the German job seeker visa or Chancenkarte? Job seeker visa (§ 18c AufenthG) and Chancenkarte (Opportunity Card, § 20a AufenthG) holders need recognised German cover for the full stay (up to 12 months, extendable on the Chancenkarte). Auslandskrankenversicherung Visum options widely accepted by the Ausländerbehörde for this stage are Care Economy (from €30/30 days, flexible month-by-month) for budget-conscious applicants and Care Expatriate (from €58/month) for those planning to stay longer. Both are routinely bundled with the Sperrkonto for the embassy file. What does national D-visa Germany insurance actually have to cover? Visa applicants need proof of at least €30,000 medical cover under § 5 AufenthG. National D-visa Germany insurance has to satisfy § 5 AufenthG: recognised German health-insurance cover for the full requested visa duration, valid from the day of entry, with the bilingual Versicherungsbestätigung embassy certificate available to upload with the consulate file. For non-employees (freelancers, family-reunion spouses, Chancenkarte job seekers, retirees) the standard product is Care Expatriate from €58/month, runs up to 5 years and is accepted at the Ausländerbehörde residence permit appointment. Which insurance product satisfies the family-reunification file under §§ 27–36 AufenthG? The standard answer is Care Expatriate — €58/month for under-30s, scaling to roughly €246/month for parents in the 61–74 age band. For Familiennachzug (the German term for family reunification), the joining spouse, child or parent needs recognised health cover from the very first day in Germany. The Ausländerbehörde accepts it at the residence-permit appointment, and the family member can switch into free GKV Familienversicherung as soon as they qualify through a GKV-insured partner or a new employer. For the Chancenkarte (Opportunity Card), should you pick Care Economy or Care Expatriate? Care Economy at €30 per 30 days works well as flexible, month-by-month cover. It really comes down to how long you expect the job search to take. Care Expatriate at €58/month is the better economic choice once you commit to staying beyond about three months and want a single tariff that carries you through to the first employment contract. Both are recognised by the Ausländerbehörde at the residence-permit appointment and are routinely bundled with the Sperrkonto (blocked account) for the embassy file. What exactly is the €30,000 rule under EU Regulation 810/2009 that consulates check? Care Visa Protect is built around this minimum and ships a bilingual Versicherungsbestätigung (embassy certificate) from €0. It is Article 15 of the Schengen Visa Code: every Schengen C-visa applicant must hold travel medical insurance of at least €30,000, valid in all 26 Schengen states for the full requested visa duration, with emergency hospitalisation and medical repatriation included. 85/day, with a €7. 50 policy minimum. Is 'Schengen travel insurance' the same thing as 'travel medical insurance for a Schengen visa'? Yes — both describe the same product category: a short-stay policy that meets Article 15 of the Visa Code (€30,000 minimum cover, valid in all 26 Schengen states, including repatriation). Branding varies across the market — Care Visa Protect, Allianz Travel, AXA Schengen, Europ Assistance, HanseMerkur and Mawista Visum all operate in this segment — but the wording the German consulate verifies on the Versicherungsbestätigung is identical. What cover do freelancer (§ 21 AufenthG) and researcher (§ 18d AufenthG) visa holders need? It serves as the Krankenversicherungsnachweis under § 5 AufenthG that the Ausländerbehörde requires for non-employees, family-reunion spouses and Chancenkarte holders. Both fall outside the automatic GKV pathway that employees enjoy. Self-employed creatives, IT contractors, journalists and doctors on a freelancer visa, and postdocs or hosting-agreement scholars on a researcher visa, all use the same recognised long-stay route: Care Expatriate from €58/month. The bilingual certificate doubles as embassy proof and Ausländerbehörde proof, so one document covers both stages. This guide is editorial, not legal or medical advice. German visa rules change — verify your specific case with the German embassy, consulate or Ausländerbehörde responsible for you (rules current as of September 11, 2026). 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready to file with the German embassy? Pick your visa insurance. [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[30-second plan finder](/en/tariffinder-germany/) [📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing Part of: [Health insurance for foreigners in Germany](/en/health-insurance-foreigners-germany/) — the umbrella hub for every visa, student, employee and retiree route. 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 8, 2026.