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 (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 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.

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.

• 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.

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.

Recommended visitor tariffs — by visa type and stay length

Visitor turning into a long-stay resident on a residence permit? Care Expatriate from €58/month (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. Ready to apply? See the step-by-step application guide. Hosting a guest with a Verpflichtungserklärung? 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 0–64 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 Economy — all prices by age band & duration

Quick answer: Care Economy costs from €30 per 30 days for ages 0–49 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.

Frequently Asked Questions