You will find up-to-date and detailed information on visitor medical insurance for a Schengen visa and entry into Germany on this page.
Medical insurance for any purpose of travel to Germany: only medical insurance policies from German companies or companies from other EU countries are accepted (in German, English or with translation).
We have put together a range of health insurance options for Germany (Incoming-Versicherung):
Care-Concept — the company specialises in travel and guest insurance. By clicking link you will be able to choose the necessary tariff for any occasion. Separate medical insurance tariffs for a trip to Germany can be found below:
Visa insurance . Cover of up to €50,000. Up to 92 days. Up to 75 years of age. Suitable for anyone who needs a visa to travel to Germany. Often referred to as Incoming-Versicherung.
Visitor insurance — Incoming-Versicherung. For long-term stays in Europe ranging from 1 day to 2 years. Also suitable for citizens of other EU countries visiting Germany.
If your travel dates change, you can also shift the start date of your insurance policy в Care-Concept personal account.
The parent companies Care-Concept and Advigon — HanseMerkur
Basic and Profi plans with varying levels of cover. From 1 day to 5 years. Suitable for short trips to Germany as well as for studies and expats.
Travel health insurance for trips to Germany for older people, up to the age of 99
Allianz Travel — Excellent cover from a leading insurance company for trips to Germany and around the world.
🔹For trips to Germany and the European Union, the «Reiseziel – Incoming» option is suitable, for stays of up to 92 days.
🔹For longer journeys, choose the Europa fare. Up to 999 days.
🔹This option is suitable for a visa to Germany
🔹Maximum age — 99 years
Therefore — Travel health insurance for older people travelling to Germany aged 65 and over
🔹The maximum policy term is 12 months.
🔹This option is suitable for a visa to Germany
🔹Maximum age — 99 years
Below, we have set out the rates for a medical travel insurance policy for visitors to Germany and Europe offered by the company Care Concept.
Who is eligible for insurance?
Health insurance for foreign nationals (visitor insurance) under the Care Economy tariff is designed to meet the needs of foreign guests and visitors to the European Union (EU) and Schengen Area countries. A visitor insurance policy for foreign nationals may be taken out by individuals aged 75 or under for a maximum period of up to two years.
What cover does the insurance provide?
The scope of cover includes outpatient, inpatient and dental treatment provided by all approved doctors at the standard local rates. Health insurance for foreign guests and visitors to the country meets all the requirements for a Schengen visa as set out in Directive (EC) No 810/2009, which was adopted by the European Parliament and the Council of the European Union on 13 July 2009.
Visitor insurance under the tariff Care Economy It also provides insurance cover for the host party against most of the financial risks associated with the declaration of commitment. Thanks to the combination of accident insurance and liability insurance under the Care Protector tariff, the residual risk arising from the undertaking is significantly reduced.
Why is insurance necessary for a foreign visitor?
Many foreign nationals staying temporarily in Germany, the European Union, Switzerland or Liechtenstein, often have no insurance cover at all, or only insufficient cover. Illness or accidents, unfortunately, cannot be ruled out and may result in significant financial losses.
No matter where you are – whether on a private or business trip – with your insurance policy Care Economy You are covered for the costs associated with necessary medical treatment.
What services are included in this tariff?
Under your medical insurance policy, we will reimburse you for expenses incurred as a result of illness or an accident in Germany, Austria and all EU countries, as well as in Switzerland, Liechtenstein and the Schengen Area. Among other things, the following are covered:
- Outpatient treatment with doctors
- Inpatient treatment in hospital — general ward (with no choice of services) — including subsequent rehabilitation
- medical transport to a nearby hospital and back;
- Dental treatment with pain relief, including both simple fillings and repairs to existing dentures and crowns 100 %, up to a maximum of €300,– for stays of up to 180 days. For insurance cover exceeding 180 days, the maximum is 600.00 EUR
- additional costs for the repatriation of a patient to their home country on medical grounds and as prescribed by a doctor, up to 10,000.00 EUR
- the cost of transporting the insured person’s body following their death or funeral expenses — up to 25,000.00 EUR
Less a EUR 25.00 excess per claim.
What is not insured?
The insurance company does not pay for:
- Diseases and medical conditions that were known at the start of insurance
- The consequences of illnesses and accidents that occurred within 6 months prior to the start of insurance
You can find the exact scope of services in Insurance terms and conditions.
| The validity period of the contract is up to ... days | up to 64 years old | 65-74 years old |
|---|---|---|
| 90 | 1,00 EUR / Day | 2.95 EUR / Day |
| 91 — 180 | €1.35 / day | 3.70 EUR / Day |
| 181 — 365 | €1.95 / day | 4.95 EUR / Day |
| 366 — 730 | €2.40 / day | €7.90 / day |
Minimum insurance premium per person: 10,00 EUR
Service charge for payment: €3
The maximum validity period of the insurance policy, including all types of contract renewals, is 2 years.
When renewing the agreement, the difference between the initial validity period of the agreement and the newly established one must be paid. If there was the option to make monthly insurance contributions during the month, this will also be retained for the validity period of the renewed agreement.
Recent Posts
- Minimum pension in Germany: why there is none and what is paid instead
- Direktversicherung in Germany: What Is Deducted from the Payout
- Orphan's Pension in Germany 2026 - Waisenrente Rules
- Occupational pensions for employers: what a company in Germany must do
- Betriebsrente: the employer pension in Germany
We want to help as many people as possible manage their own finances with our recommendations. That is why our content is available free of charge online. We fund our extensive work using so-called affiliate links. We mark these links with an asterisk (*).
(*) meaning:
With our recommendations, we want to help as many people as possible look after their finances. We fund our work through affiliate links. We mark these links with an asterisk (*).
