Schengen Visa Health Insurance for Foreigners in Germany | Requirements, Tariffs and Checklist
Sources: EU Regulation 810/2009 Art. 15 · Federal Foreign Office (Auswärtiges Amt) · § 5 AufenthG · BAMF · HanseMerkur AVB · Care Concept AG
The German embassy applies a fixed checklist to every Schengen-visa insurance certificate. Miss any one of the five mandatory points — €30,000 minimum cover, medical repatriation, full trip dates, all 27 Schengen states, named insured person — and the application is refused or sent back for correction. EU Regulation 810/2009 Art. 15 leaves the embassy no discretion here.
The standard recognised tariff is Care Visa Protect from €0.85/day (minimum €8.50 per trip, up to €50,000 medical cover, well above the Schengen €30,000 minimum). For visitor or family stays longer than 92 days, Care Economy from €30 / 30 days (up to 2 years) is the standard alternative recognised by German embassies and the Ausländerbehörde.
Below: the five-point embassy checklist, the four most common certificate mistakes, what the Ausländerbehörde checks once you arrive, and how to obtain a compliant PDF certificate online in under 10 minutes.
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Care Concept · HanseMerkur · DAK where applicable
Visa Proof
Proof of insurance for embassy or consulate documents
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Receive the available confirmation after successful application
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Need a certificate that passes the embassy checklist? Pick a recognised tariff.
Four certificate mistakes that cause Schengen visa refusals
Quick answer: "My insurance is fine — why was the visa refused?" — in most refusal letters the insurance reason falls into one of four buckets: cover below €30,000, missing repatriation clause, dates not covering the full visa period, or a tariff not valid across all Schengen states. Care Visa Protect removes 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
One wrong insurance choice can cost you money, time and your application deadline
A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start.
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€500–€1,500
Emergency doctor visit
One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added.
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€2,000–€10,000+
Hospital treatment
If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros.
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€30,000 minimum
Schengen proof must be clear
Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits.
- Wrong or incomplete proof can delay your visa, enrollment or authority process.
- Cheap home-country policies may miss the exact coverage, dates or repatriation wording required.
- The cheapest policy can become expensive if it is the wrong proof for your situation.
Before you apply, check: coverage amount, validity dates, destination area and repatriation cover.
Embassy slots fill up — 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.
Get a certificate that meets the embassy checklist — in 3 steps
10 minutes online. PDF delivered by email immediately after payment. Upload to your VIDEX form or hand it in at the consulate appointment.
Schengen-ready in 3 steps
Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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Submit your proof
Receive the PDF certificate after successful online application and submit it with your visa or authority documents.
What Schengen-visa applicants say about meeting the German embassy's insurance requirements with Care Visa Protect — €30,000 cover, repatriation clause, all 27 Schengen states, and the instant PDF certificate accepted at the consulate appointment
“My biggest worry was that the embassy wouldn't accept the insurance.
The proof was accepted immediately — no questions asked.
That saved me a lot of stress.”
Georges
Cameroon
“I needed proof of insurance urgently for my visa appointment.
The confirmation arrived within minutes by email.
Everything worked first time at the embassy.”
Olga
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“The online sign-up was done in just a few minutes.
When I actually had to see a doctor, the billing went smoothly.
I was really covered — not just on paper.”
Yunhee
Australia
Now choose your plan
Recommended Schengen-compliant tariffs — by stay length
Care Visa Protect
from only €0.85 / day (1–92 days possible)
For Schengen visas, tourists, family visits & business travel
- Proof of insurance for visas & immigration authorities quickly available (PDF)
- Meets Schengen visa insurance requirements
- Affordable coverage from €0.85/day (minimum premium applies)
- Doctor, hospital, prescription medication & dental emergency coverage
- For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland
- Ideal for short stays, family visits, tourists & business travelers
- Multiple-visa option: several trips up to a total of 92 days/year
- Must be purchased before entry
- Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74
- Coverage term: 1–92 days · entry age 0–74
Why Care Visa Protect?
For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips.
Why a 92-day coverage term?
Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance.
- 🏛️ HanseMerkur Travel Insurance AG, Hamburg
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental emergency & repatriation coverage
- 🏷️ From €0.85 / day · coverage up to 92 days
→ Complete the application, receive your instant PDF, submit your proof
Care Economy
from only €30.00 / 30 days (coverage up to 2 years)
For guests, tourists, family visits, job seekers & the German Opportunity Card
- Proof of insurance for visas & immigration authorities within minutes
- Affordable coverage from €1.00 per day
- Doctor, hospital & dental emergency coverage
- Suitable for Schengen visas, the Opportunity Card & family visits
- Flexible coverage from 1 day up to 2 years
- Coverage in Germany, the EU & the Schengen Area
- 24/7 assistance + digital insurance card
- Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74
- Coverage term: 1 day to 2 years · entry age 0–74
- Reputable insurance carrier
Why Care Economy?
For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits.
Why a 2-year coverage term?
More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap.
- 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental emergency & repatriation coverage
- 🏷️ From €30 / 30 days · up to 2 years possible
→ Complete the application, receive your instant PDF, submit your proof
Planning to stay in Germany longer than 2 years on a residence permit? Care Expatriate from €58/month (up to 5 years, ages 0–74) is the standard long-stay private Incoming tariff and is typically accepted by the Ausländerbehörde under § 5 AufenthG.
Ready to apply? See the step-by-step Schengen-visa insurance application guide for VIDEX upload and refund-on-refusal handling.
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, with 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.
Frequently asked questions about Schengen visa health insurance requirements
Frequently Asked Questions
What is the minimum medical cover for a Schengen visa?
EU regulation 810/2009 requires at least €30,000 of medical cover plus repatriation of remains, valid across all 27 Schengen states.
Is Care Visa Protect Schengen-compliant?
Yes. Care Visa Protect provides up to €50,000 medical cover (well above the €30,000 Schengen minimum), medically necessary repatriation, and a PDF certificate typically accepted by German consulates.
When do I need to buy Schengen insurance?
Before the visa appointment — the certificate must be uploaded with your application. Care Visa Protect issues the PDF instantly online.
Over 10,000 policies issued · Since 2009