--- title: "From €0.85/day · Foreign Visitor Visa Insurance Germany 2026" description: "Health insurance for foreign visitors on a German visa from €0.85/day — €30,000 minimum cover, valid in all Schengen states, embassy-accepted. 2026." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health Insurance for Foreign Visitors on a German Visa | Requirements and Tariffs", "description": "Health insurance for foreign visitors on a German visa from €0.85/day — €30,000 minimum cover, valid in all Schengen states, embassy-accepted. 2026.", "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": "2026-09-08", "dateModified": "2026-09-10", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Schengen Area", "url": "https://en.wikipedia.org/wiki/Schengen_Area" }, { "@type": "Thing", "name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Visa & Schengen for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Visitors to Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "How much does visitor visa health insurance for Germany cost in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "From €0.85/day (Care Visa Protect, ages up to 64) or €30 per 30 days (Care Economy Basic, ages up to 64). From age 65 the premium is from €88.50 per 30 days. Full grid on /en/insurance-plans/care-visa-protect/overview/." } }, { "@type": "Question", "name": "Do embassies accept digital PDFs of visitor insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — all 167 German embassies accept the signed PDF policy from /en/insurance-plans/care-visa-protect/overview/ since 2019 (Auswärtiges-Amt circular RES 12-2019). Print one copy for the appointment; carry the PDF on your phone at the border." } }, { "@type": "Question", "name": "Which tariff do I pick for a 90-day visit to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect from €0.85/day (min. €7.50/trip) is the cheapest Schengen option for stays 1–92 days. For 92+ days or national D-visas use Care Economy from €30/30 days — /en/insurance-plans/care-economy/overview/." } }, { "@type": "Question", "name": "Is the certificate valid in all 27 Schengen countries?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Visa Protect and Care Economy are territorially valid across all 27 Schengen states and meet EU Reg. 810/2009 Art. 15 (€30,000 + repatriation). See /en/insurance-plans/care-visa-protect/overview/." } }, { "@type": "Question", "name": "Can I extend my visitor insurance after arrival in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy extends in monthly steps up to 24 months in-country. Care Visa Protect cannot be extended — max 92 days per trip and must be bought pre-departure. Compare on /en/insurance-plans/care-economy/overview/." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does visitor visa health insurance for Germany cost in 2026?", "text": "How much does visitor visa health insurance for Germany cost in 2026?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €0.85/day (Care Visa Protect, ages up to 64) or €30 per 30 days (Care Economy Basic, ages up to 64). From age 65 the premium is from €88.50 per 30 days. Full grid on /en/insurance-plans/care-visa-protect/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do embassies accept digital PDFs of visitor insurance?", "text": "Do embassies accept digital PDFs of visitor insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — all 167 German embassies accept the signed PDF policy from /en/insurance-plans/care-visa-protect/overview/ since 2019 (Auswärtiges-Amt circular RES 12-2019). Print one copy for the appointment; carry the PDF on your phone at the border.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which tariff do I pick for a 90-day visit to Germany?", "text": "Which tariff do I pick for a 90-day visit to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect from €0.85/day (min. €7.50/trip) is the cheapest Schengen option for stays 1–92 days. For 92+ days or national D-visas use Care Economy from €30/30 days — /en/insurance-plans/care-economy/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is the certificate valid in all 27 Schengen countries?", "text": "Is the certificate valid in all 27 Schengen countries?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Visa Protect and Care Economy are territorially valid across all 27 Schengen states and meet EU Reg. 810/2009 Art. 15 (€30,000 + repatriation). See /en/insurance-plans/care-visa-protect/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I extend my visitor insurance after arrival in Germany?", "text": "Can I extend my visitor insurance after arrival in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Economy extends in monthly steps up to 24 months in-country. Care Visa Protect cannot be extended — max 92 days per trip and must be bought pre-departure. Compare on /en/insurance-plans/care-economy/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) 1. [Home](/en/) 2. [Visa & Schengen for Germany](/en/health-insurance-visa-foreigners-germany/) 3. Foreign Visitors to Germany # Health Insurance for Foreign Visitors on a German Visa | Requirements and Tariffs Sources: EU Regulation 810/2009 Art. 15 · § 5 AufenthG · § 68 AufenthG (host liability) · German Federal Foreign Office · BAMF · HanseMerkur AVB · Care Concept AG **Whether you are coming to Germany as a tourist, visiting family, or invited with a Verpflichtungserklärung,** the German consulate and the Ausländerbehörde require recognised health insurance for the entire visa period — minimum €30,000 medical cover, repatriation included, valid in all 27 Schengen states. Without it, the visa is refused at the application stage (EU Regulation 810/2009 Art. 15) and the host can be held liable for any hospital bill under § 68 AufenthG. For visits up to 92 days the recognised tariff is [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) (minimum €8.50 per trip, up to €50,000 medical benefit, well above the €30,000 Schengen threshold). For longer family or sponsored visits up to two years on a national D-visa, [Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) is the standard accepted alternative. Below: the visitor visa types and which tariff fits each, the four most common rejection reasons, how the host's liability is removed once the visitor is insured, and how to obtain the embassy-ready PDF certificate online in under 10 minutes. Trusted Providers Care Concept · HanseMerkur · DAK where applicable Visa Proof Proof of insurance for embassy or consulate documents Fast Online Process Receive the available confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 10, 2026** SourcesEU Regulation 810/2009 Art. 15 · § 5 AufenthG · § 68 AufenthG · German Federal Foreign Office · BAMF · HanseMerkur Versicherungsgruppe Hamburg · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Visitor visa for Germany? Pick the recognised tariff for your stay length. [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - Foreign visitors to Germany use Care Economy (long stays) or Care Visa Protect (Schengen visa). - Minimum €30,000 medical cover is required by EU regulation 810/2009 for any Schengen visa. - Certificate is issued instantly as PDF — typically accepted by German consulates. Key facts at a glance Reviewed September 10, 2026 - **Schengen tourist & business visit (≤90 days):** Care Visa Protect from €0.85/day, minimum €8.50 per trip, up to €50,000 medical benefit — already above the €30,000 EU minimum. (Source: EU Regulation 810/2009 Art. 15(1)). - **Family visit & national D-visa (>92 days, up to 2 years):** Care Economy from €30 / 30 days for ages up to 64, scaling with age — accepted by the Ausländerbehörde under § 5 AufenthG. (Source: § 5 AufenthG (sufficient means of subsistence)). - **Host liability under Verpflichtungserklärung:** without separate insurance, the German host is personally liable for the visitor's medical costs (which can exceed €830/day in hospital). Care Visa Protect or Care Economy transfers that risk to the insurer up to the sum insured. (Source: § 68 AufenthG (Haftung für Lebensunterhalt)). - **Geographic scope & repatriation:** both visitor tariffs are valid in all 27 Schengen states and explicitly include medically necessary repatriation — the two clauses German consulates check first on the certificate. (Source: EU Regulation 810/2009 Art. 15(2)). ## Four reasons visitor visa applications get refused on the insurance point **Quick answer:** "I had insurance — why was the visa refused?" — most refusals on the insurance point fall into four buckets: cover below €30,000, missing repatriation clause, dates not covering the full requested period, or a tariff not valid in all 27 Schengen states. Care Visa Protect and Care Economy remove all four by default. ## Avoid the mistakes that can delay your application ### Schengen proof missing? For short Schengen stays, choose insurance that meets the €30,000 minimum-coverage requirement. ### Short stay or longer stay? Care Visa Protect fits many 1–92 day Schengen visits; Care Economy may fit longer or more flexible stays. ### Wrong insurance can cost time Before your embassy appointment, check that the proof matches your visa type, dates and destination. ### Multiple entries planned? If you travel more than once, check the multiple-entry option and the annual day limit before applying. ## What an uninsured day in Germany really costs the visitor — or the host ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 🇪🇺 €30,000 minimum Schengen proof must be clear Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Embassy slots fill weeks ahead — secure the certificate before the appointment ## Why act before the embassy appointment Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits. 📅 Appointments can be limited If the proof is missing or unsuitable, preparing corrected documents can cost valuable time. ⚡ PDF certificate after application Care Visa Protect provides the certificate by email after successful online application. 🛡️ €30,000 minimum coverage Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area. 💶 From €0.85/day Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip. ## From booking to embassy-ready PDF — in 3 steps 10 minutes online. PDF certificate by email immediately after payment. Upload to VIDEX or print for the consulate appointment. ## 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 foreign visitors and their German hosts say about Care Visa Protect and Care Economy — €30,000+ medical cover, repatriation clause, all 27 Schengen states, instant PDF for the consulate appointment, and removal of host liability under § 68 AufenthG when a Verpflichtungserklärung is signed 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 visitor tariffs — by visa type and stay length ✈️ Schengen visit · 1–92 days ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof 📘 Family / national D · up to 2 yrs ### 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 Visitor turning into a long-stay resident on a residence permit? [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (up to 5 years, ages 0–74) is the standard private Incoming tariff and is typically accepted by the Ausländerbehörde under § 5 AufenthG. Need the embassy checklist? See the [5-point Schengen-visa insurance requirements](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/). Ready to apply? See the [step-by-step application guide](/en/schengen-visa-health-insurance-application-germany/). Hosting a guest with a [Verpflichtungserklärung](/en/sponsorship-declaration-foreigners-germany/)? Insurance removes your medical liability under § 68 AufenthG. ## Care Visa Protect — all prices by age band & trip length **Quick answer:** Care Visa Protect costs from €0.85/day for ages up to 64 and €2.60/day for ages 65–74. Minimum premium €8.50 per trip, term 1–92 consecutive days, up to €50,000 maximum benefit (well above the Schengen €30,000 minimum) and €0 deductible. 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 Economy — all prices by age band & duration **Quick answer:** Care Economy costs from €30 per 30 days for ages up to 64 and scales with age up to ages 65–74. Term 1 day to 2 years, designed for family-visit and national-D visa stays beyond the 92-day Schengen limit, accepted by the Ausländerbehörde under § 5 AufenthG. 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/) ## Frequently asked questions about visitor visa health insurance ## Frequently Asked Questions How much does visitor visa health insurance for Germany cost in 2026? From €0.85/day (Care Visa Protect, ages up to 64) or €30 per 30 days (Care Economy Basic, ages up to 64). From age 65 the premium is from €88.50 per 30 days. Full grid on /en/insurance-plans/care-visa-protect/overview/. Do embassies accept digital PDFs of visitor insurance? Yes — all 167 German embassies accept the signed PDF policy from /en/insurance-plans/care-visa-protect/overview/ since 2019 (Auswärtiges-Amt circular RES 12-2019). Print one copy for the appointment; carry the PDF on your phone at the border. Which tariff do I pick for a 90-day visit to Germany? Care Visa Protect from €0.85/day (min. €7.50/trip) is the cheapest Schengen option for stays 1–92 days. For 92+ days or national D-visas use Care Economy from €30/30 days — /en/insurance-plans/care-economy/overview/. Is the certificate valid in all 27 Schengen countries? Yes — Care Visa Protect and Care Economy are territorially valid across all 27 Schengen states and meet EU Reg. 810/2009 Art. 15 (€30,000 + repatriation). See /en/insurance-plans/care-visa-protect/overview/. Can I extend my visitor insurance after arrival in Germany? Care Economy extends in monthly steps up to 24 months in-country. Care Visa Protect cannot be extended — max 92 days per trip and must be bought pre-departure. Compare on /en/insurance-plans/care-economy/overview/. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Embassy appointment booked? Pick the recognised visitor tariff that meets every checklist point. [Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [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 10, 2026.