Health Insurance for Short Stay in Germany – Incoming-Tariffs from €0.85/day Compared
Sources: EU Regulation 810/2009 Art. 15 · § 5 AufenthG · German Federal Foreign Office · BAMF · HanseMerkur AVB · Care Concept AG
The right short-stay tariff for Germany depends on one thing: how many days you'll be in the country. Up to 92 consecutive days the cheapest recognised option is a Schengen travel-health policy from €0.85/day. Between 3 and 24 months — typical for language courses, conferences, sabbaticals and gap-year stays on a national D-visa — the recognised tariff switches to a monthly Incoming policy. Both meet the €30,000 minimum medical cover plus repatriation requirement of EU Regulation 810/2009 Art. 15.
For trips ≤92 days the standard recognised tariff is Care Visa Protect from €0.85/day (minimum €8.50 per trip, up to €50,000 medical benefit). For stays from 3 months to 2 years on a national D-visa, Care Economy from €30 / 30 days is the standard alternative recognised by the German Ausländerbehörde under § 5 AufenthG.
Below: the day-by-day decision matrix (1–92 days vs 3–24 months vs longer), the four mistakes short-stay travellers make when picking a tariff, and how to obtain a compliant PDF certificate online in under 10 minutes.
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Visa Proof
Proof of insurance for embassy or consulate documents
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Short stay in Germany? Pick the recognised tariff that matches your trip length.
Four short-stay mistakes that cost extra money — or the visa
Quick answer: "Why pick the wrong short-stay tariff?" — most travellers either buy travel insurance with cover below €30,000, miss the repatriation clause, book a tariff that ends before the visa period, or pick a Schengen-only policy for a stay longer than 92 days. Care Visa Protect and Care Economy remove all four risks 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 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.
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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 short-stay travellers and language students 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 the day-by-day price flexibility for trips between 1 day and 24 months in Germany
“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 short-stay tariffs — by trip 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
Short stay turning into a multi-year residence? 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 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 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 short stays beyond the 92-day Schengen limit, accepted by the Ausländerbehörde under § 5 AufenthG.
| Care Economy Duration |
Bestsellerup to 64
|
up to 64
|
Bestseller65+
|
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.
Frequently asked questions about short-stay health insurance for Germany
Frequently Asked Questions
What's the cheapest insurance for a short visit to Germany?
Care Visa Protect is the most affordable Schengen insurance from €0.85/day with a minimum premium of €8.50 per trip.
Does short-stay insurance cover Covid or hospital costs?
Yes — both tariffs cover acute illness including Covid treatment and inpatient hospital costs up to the €30,000+ medical limit.
Can I cancel if my visa is rejected?
Yes. If you can provide proof of visa rejection (Ablehnungsbescheid), Care Concept refunds the premium minus a small processing fee.
Over 10,000 policies issued · Since 2009