Affordable Schengen Visa Health Insurance — Travel Insurance for Foreigners in Germany
Sources: EU Regulation 810/2009 Art. 15 · Federal Foreign Office (Auswärtiges Amt) · § 5 AufenthG · BAMF · HanseMerkur AVB · Care Concept AG
The German embassy will not process your Schengen-visa application without a recognised health-insurance certificate. EU Regulation 810/2009 Art. 15 makes the proof a hard requirement — applicants who arrive at the appointment without it are typically asked to rebook, which can mean waiting weeks for a new slot.
Apply online for Care Visa Protect from €0.85/day (minimum €8.50 per trip), receive the embassy-ready PDF certificate by email within minutes, and attach it to your VIDEX / consulate application. Cover meets the €30,000 medical and repatriation minimum and is valid in all 27 Schengen states. For national D-visas longer than 92 days, Care Economy from €30 / 30 days (up to 2 years) is the standard recognised tariff.
Below: the exact application timing, single-entry vs multiple-entry cover, how the refund on visa refusal works, and the four mistakes that cause embassies to send applicants back home.
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
Over 10,000 policies issued · Since 2009
Embassy appointment soon? Get the recognised PDF certificate now.
Four application mistakes that cause Schengen visa refusals
Quick answer: "Why was my Schengen visa refused even though I had insurance?" — in most refusal letters the insurance reason is one of four: cover below €30,000, missing repatriation clause, certificate dates not covering the entire requested stay, or a tariff not valid in the destination Schengen state. 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 rebooking an embassy appointment 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.
When to buy the policy: timing your application correctly
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.
Apply online in 3 steps — PDF certificate in minutes
10 minutes online. PDF delivered by email immediately after payment. Upload directly 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 the online application for Care Visa Protect, the speed of the PDF certificate, and how it was accepted at the German embassy or 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 insurance — by visa type
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.
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. The minimum premium is €8.50 per trip, term 1–92 consecutive days, with €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 the Schengen-visa application
Frequently Asked Questions
How long does the online Schengen-insurance application take?
Typically under 5 minutes. The PDF certificate is sent to your email immediately after payment and is regularly accepted by every German embassy and consulate.
Can I cancel Care Visa Protect if my visa is refused?
Yes. If you provide proof of visa refusal before the trip start date, the premium is refunded — a standard insurer policy aligned with EU rules.
Does Care Visa Protect cover COVID-19 treatment?
Yes. Care Visa Protect covers acute COVID-19 treatment as a normal acute illness within the policy limits, in line with German embassy requirements.
Over 10,000 policies issued · Since 2009