You will find up-to-date and detailed information about guest health insurance for a Schengen visa and entry into Germany on this page.
Medical insurance for any purpose of travel to Germany: only medical insurances from German companies or companies from other EU countries are accepted (in German, English or with translation).
We have selected various options for health insurance in Germany (Incoming-Versicherung):
Care concept – The company specializes in insurance for travelers and guests. By going to link You will be able to choose the necessary tariff for any occasion. See below for individual medical insurance rates for a trip to Germany:
Visa insurance . Coverage up to 50.000 €. Up to 92 days. Up to 75 years old. Suitable for anyone who requires a visa to travel to Germany. Privately called Incoming-Versicherung.
Guest insurance - Incoming-Versicherung. For a long stay in Europe from 1 day to 2 years. Also suitable for citizens of other EU countries visiting Germany.
If your travel dates change, you can also move your policy start date в Care-Concept personal account.
Parent company of Care-Concept and Advigon - HanseMerkur
Basic and Profi tariff with different coverage. From 1 day to 5 years. Suitable for short trips to Germany, as well as for study and expats.
Medical insurance for travel to Germany for older people up to 99 years old
Allianz Travel – Excellent cover from a leading travel insurance company for travel in Germany and around the world.
🔹For trips to Germany and the European Union, the Reiseziel option is “Incoming”, up to 92 days.
🔹For longer trips, choose the Europa fare. Up to 999 days.
🔹This option is suitable for a visa to Germany
🔹Maximum age – 99 years
Ergo - Medical insurance for travel to Germany for older people from 65 years and older
🔹The maximum policy period is 12 months.
🔹This option is suitable for a visa to Germany
🔹Maximum age – 99 years
Below we have considered the tariff of the offer of guest medical travel insurance for those entering Germany and Europe from the company care concept.
Who can insure
Medical insurance for foreigners (guest insurance) according to the Care Economy tariff takes into account the needs of foreign guests and visitors to the country on the territory of the European Union (EU) and the Schengen countries. The contract of guest insurance for foreigners can be concluded by persons not older than 75 years for a maximum period of up to 2 years.
What services does insurance provide?
The scope of services includes outpatient, inpatient and dental treatment by all authorized doctors at the usual rates for the area. Medical insurance for foreign visitors and visitors to the country meets all the requirements for a Schengen visa, established by Directive (EG) No. 810/2009, which was adopted by the European Parliament and the Council of the European Union on 13.07.2009.
Guest insurance at a rate Care Economy also provides insurance coverage to the receiving party against most of the financial risks associated with the commitment statement. Thanks to the combination of accident insurance and liability insurance under the Care Protector rate, the residual risk arising from the declaration of commitment is significantly reduced.
Why do you need insurance for a foreign guest?
Many foreign citizens temporarily staying in Germany, the European Union, Switzerland or Liechtenstein often do not have any or insufficient insurance coverage. Illnesses or accidents, unfortunately, are not excluded and can be associated with significant financial losses.
No matter where you are - on a private or business trip - with an insurance policy Care Economy You are insured against expenses related to necessary medical care.
What assistance is included in this tariff
Under the health insurance policy, we indemnify you for expenses incurred as a result of illness or accident in Germany, Austria and all EU countries, as well as in Switzerland, Liechtenstein and the Schengen countries, among other things, we indemnify:
- Outpatient treatment by doctors
- Inpatient treatment in hospital - general ward - no choice of services - including subsequent recovery
- medical transportation to and from a nearby hospital;
- Dental treatment with anesthesia, including both simple fillings and repairs of existing prostheses and crowns 100% for a maximum of 300,– €, for a stay of up to 180 days. In case of insurance for more than 180 days, maximum 600,– EUR
- additional expenses for the return delivery of the patient for medical reasons and according to the doctor's prescription to the home country up to 10.000,– EUR
- transportation of the body of the insured person after his death or funeral expenses – up to 25.000,– EUR
Less 25,– EUR for each insured event, deductible.
What is not insured?
The insurance company does not pay for:
- Illnesses and ailments that were known at the beginning of insurance
- Consequences of illnesses and accidents, which within 6 months before the commencement of insurance
You can find the exact scope of services in Terms of insurance.
| The term of the contract is up to ... days | to 64 years | 65-74 years |
|---|---|---|
| 90 | 1,00 EUR / day | 2,95 EUR / day |
| 91 – 180 | 1,35 EUR / day | 3,70 EUR / day |
| 181 – 365 | 1,95 EUR / day | 4,95 EUR / day |
| 366 – 730 | 2,40 EUR / day | 7,90 EUR / day |
Minimum insurance premium per person: 10,00 EUR
Service charge upon payment: 3 EUR
The maximum validity period of the insurance contract – including all types of contract extension – is 2 years.
When renewing the contract, you must pay the difference between the original term of the contract and the newly established one. If it was possible to make monthly insurance premiums within a month, then it will remain for the period of validity of the extended contract.
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