Health Insurance for Chinese Business Travelers and Visitors in the Schengen Area (Germany)

Sources: EU Regulation 810/2009 Art. 15 · German Federal Foreign Office (Auswärtiges Amt) · German Embassy Beijing / Consulates Shanghai · Guangzhou · Chengdu · Shenyang · HanseMerkur AVB · Care Concept AG

Schengen visa applications filed at the German Embassy in Beijing or the consulates in Shanghai, Guangzhou, Chengdu and Shenyang are checked against the same EU rule applied across the EU: at least €30,000 medical cover, medically necessary repatriation included, valid in all 27 Schengen states for the entire trip (EU Regulation 810/2009 Art. 15). For Chinese business travellers and family visitors, that means a recognised travel-health certificate must be attached to every visa file — without it the consulate sends the application back at the document-check counter.

The standard recognised Schengen tariff for Chinese applicants is Care Visa Protect from €0.85/day (minimum €8.50 per trip, up to €50,000 medical benefit, well above the €30,000 EU minimum). For frequent business travel a multi-entry pattern can be booked within the visa validity period; for assignments longer than 92 days, Care Economy from €30 / 30 days is the standard alternative.

Below: how the certificate is set up for Chinese applicants (English/German bilingual PDF), the four mistakes that cause consulate refusals at TLScontact / VFS appointments, the multi-entry pattern for frequent travellers, and how to obtain the embassy-ready 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 Schengen tariffs — for Chinese business travellers and visitors

Long-term assignment in Germany on a residence permit? Care Expatriate from €58/month (up to 5 years, ages 0–74) is the standard private Incoming tariff once the residence permit is issued.

Need the embassy checklist? See the 5-point Schengen-visa insurance requirements. Ready to apply? See the step-by-step Schengen-visa application guide.

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 business assignments and family visits beyond the 92-day Schengen limit, accepted by the Ausländerbehörde under § 5 AufenthG.

Frequently Asked Questions