German visa centres require, when applying for a Schengen visa,
documents when submitting an application for
obtaining a Schengen visa.
Medical insurance for everyone
purposes of travel to Germanyaccepted
medical insurance only from
German companies or other companies
EU countries (in German, English or with translation).
If the stay lasts longer than an ordinary visit, you will find detailed guides on our visa website: health insurance for visitors to Germany and insurance for long-term travel.
We have selected the 6 best offers on the market:
Who for?
- Foreign nationals
- Students, schoolchildren, language school pupils.
- Expats, temporary workers, business travellers.
- Tourists
Areas of insurance
European Union (EU), as well as Iceland, Liechtenstein, Norway and Switzerland + European Economic Area (EEA).
Why is it so important to get insured?
- Insurance is a mandatory requirement for obtaining a visa.
- Medical assistance or transportation home may be urgently needed.
- Medical expenses can be very high in Germany.
What can be insured:
Medical treatment (prescription only)
- Outpatient treatment
- Inpatient treatment
- Emergency dental care
- Unexpected labour
- Medical supplies and medicines
- Transportation to the nearest clinic
- Search and rescue
Accident
- Recovery
- Onset of disability
- Onset of death
Liability to third parties
Luggage
- Damage
- Loss, theft
Medical visitor insurance for Germany
- Valid for all types of travel, including business trips, study or work.
- Valid for the period of temporary stay in the territory of the European Union and the Schengen area;
- It is possible to choose insurance for up to 5 years;
- Covers medical treatment (outpatient and inpatient), including dental care;
- Covers prescribed medical supplies, medications, and transportation to the clinic;
- covers transportation back home;
- search, rescue and recovery costs.
Which offer to choose
| Offer | Who it is suitable for | Deadline | Age | Features |
|---|---|---|---|---|
| HanseMerkur | For guests and for a visa, suitable for the Chancenkarte | up to 60 months | up to 75 years of age | Deductible of 25 € per case. From 1,70 € per day up to 93 days, from 2,40 € for 93 to 365 days |
| Care-Concept / Advigon | For expats and longer stays, suitable for the Chancenkarte | up to 60 months | up to 75 years of age | Deductible of 150 € per year. Renewal every 5 years; the start date can be moved in your online account |
| ERGO | For frequent travellers of any age | up to 365 days a year | up to 99 years old | Any number of trips. The EU plus Iceland, Liechtenstein, Norway and Switzerland |
| Allianz Travel | A single trip, including in retirement | up to 93 days | up to 99 years old | No deductible. Schengen plus Andorra, Bulgaria, Croatia, Romania, San Marino, the Vatican and Cyprus |
Best offer for guests
Suitable for Chancenkarte visas
up to 75 years of age
Key differences:
- Excess of 25 euros for each insurance claim.
- Trips up to 93 days from 1.70 per day, 93-365 days from 2.40 per day.
- For foreign nationals temporarily residing in Germany, as well as the countries of the European Union, the Schengen Area, Andorra, Monaco, San Marino and the Vatican City.
Key point:
- The sum insured is unlimited.
- The insured person's age is up to 75 years.
- Meets all the requirements for obtaining a Schengen visa.
Main package:
- Medical insurance (unlimited cover)
travel medical insurance
Add-on package:
- Liability (up to €2.5m)
travel liability insurance - Emergency insurance
Emergency insurance - Accident (search and rescue up to 10,000)
euros, disability – up to €60,000)
Travel personal accident insurance - Luggage (up to €2,000)
Baggage insurance
The best offer for expats
Suitable for Opportunity Card
up to 75 years of age
Key differences:
- Franchise 150 euros per year
- When staying in Germany, an extension is possible every 5 years
- For persons with a place of residence abroad worldwide during their stay in Germany, Austria, countries of the European Union, member states of the Schengen Agreement, Switzerland and Liechtenstein
Key point:
- Age of the insured person under 75 years old
- Please note: in Germany, no social security contributions should be payable in connection with your work
- Term from 3 months to 5 years
- Meets all the requirements for obtaining a Schengen visa
Care Expatriate Comfort:
- Medical insurance — ADVIGON (unlimited coverage; medically necessary outpatient and inpatient treatment, dental care, etc.)
travel medical insurance
- Liability (up to €2.5m)
travel liability insurance - Accident (search and rescue up to €10,000, disability up to €40,000)
Travel personal accident insurance - Sick pay (compensates for loss of income due to long-term illness)
daily sickness allowance insurance
The choice with the highest upper age limit
Medical insurance for a Schengen visa with a wide age range, compliant with Schengen visa requirements.
Best prices for all ages
up to 99 years old
Key differences:
- Travel to all European Union (EU) countries, as well as Iceland, Liechtenstein, Norway and Switzerland
- Any number of trips up to 365 days
Key point:
- The cover amount is unlimited
- Age of the insured person up to 99 years
- Transport home
- Excess: either 0 or €100 per claim
- Meets all the requirements for obtaining a Schengen visa
You can conclude separately:
- Medical insurance
travel medical insurance
- Liability (up to €500,000 lump sum for injury and property damage)
travel liability insurance - Personal accident (search and rescue up to €10,000, disability up to €20,000)
Travel personal accident insurance
The best offer for those travelling in retirement
up to 99 years old
Key differences:
- Travel to all member states of the Schengen Agreement, as well as Andorra, Bulgaria, Croatia, Romania, San Marino, the Vatican and Cyprus
- One-off trip of up to 93 days
Key point:
- The cover amount is unlimited
- Age of the insured person up to 99 years
- Transport home
- The «0» franchise»
- Meets all the requirements for obtaining a Schengen visa
The following blocks can be included:
- Medical insurance (unlimited cover;
search and rescue up to €7,000
travel medical insurance - Luggage (up to €3000, up to €1000 for
phones and gadgets, glasses up to €250
travel baggage insurance
Other suggestions
The best offer for young people
Medical insurance for students, language school attendees, Au-pairs, temporary workers and other young people.
under 35 years of age
- The insured person is aged 35 or under
- Coverage area: Germany, the countries of the European Union, the Schengen Area, Andorra, Monaco, San Marino and the Vatican
- If you are temporarily in Germany for work and your place of residence is in another country (i.e. social security contributions are not being deducted from your salary in Germany in connection with your work)
Insurance - You do not need incoming insurance if you are enrolling in a public university in Germany that requires mandatory state health insurance for admission up to the age of 30.
- An excess of 25 euros per claim
- Meets all the requirements for obtaining a Schengen visa
Main package — ADVIGON:
- Medical insurance (unlimited cover; outpatient and inpatient treatment required for medical reasons, dental care, etc.)
travel medical insurance
Optional package — HanseMerkur:
- Liability (up to €2.5m)
travel liability insurance - Emergency insurance
Emergency insurance - Accident (search and rescue up to 10,000)
euros, disability – up to €60,000)
Travel personal accident insurance - Luggage (up to €2,000)
Baggage insurance
Best visa offer
up to 75 years of age
Key point:
- For persons residing abroad worldwide during their stay in the territory of the European Union and the Schengen area
- Age of the insured person under 75 years old
- IMPORTANT! A visa and a valid passport are required
- Zero euro per year excess
- Up to 92 days in total within a year for any number of trips
- Temporary stay
- Meets all the requirements for obtaining a Schengen visa
up to 64 years old
€0.85/day
€110.00/year
over 65 years of age
€2.60 a day
€215.00/year
Care Visa Protect:
- Medical insurance — amount €50,000
(medically necessary outpatient and inpatient treatment, dentistry, etc.)
travel medical insurance
Additional packages:
- Liability (up to €2.5m)
travel liability insurance - Accident (search and rescue up to €10,000, disability up to €40,000)
Travel personal accident insurance - Sick pay (compensates for loss of income due to long-term illness)
daily sickness allowance insurance
What should I do in the event of an emergency?
- It is necessary immediately contact your insurance company. The following information must be reported:
- the exact address and telephone number of your current location;
- names of contact persons (for example, a doctor, hospital, police);
- precise description of the circumstances, evidence of their occurrence;
— all other necessary details (e.g. start/end of the trip, organiser, insurance policy number). - In the event of theft or criminal acts committed against you, you are also obliged to report the incident immediately to the nearest police station.
If you require hospital treatment, you should contact your insurance company, before paying any expenses or arranging repatriation.
Frequently asked questions about visitor insurance
The consulate accepts a policy with cover of at least 30.000 €, valid throughout the Schengen area and including repatriation. It must be issued by a German insurer or an insurer from another EU country — in German, English or with a translation. All four offers on this page meet these requirements.
From one day. With HanseMerkur and Care-Concept the term runs up to 60 months, with ERGO up to 365 days a year across any number of trips, with Allianz Travel up to 93 days per trip. If your travel dates shift, the start of the Care-Concept policy can be moved in your online account.
Yes, and it decides the choice. HanseMerkur and Care-Concept insure up to the age of 75. If your guest is older, ERGO and Allianz Travel fit — they accept up to 99. That is the main reason this page carries four offers rather than one.
The deductible is the share of costs you pay yourself on each claim. With HanseMerkur it is 25 € per claim, with Care-Concept 150 € a year, and Allianz Travel has none at all. The lower the deductible, the higher the premium — choose by how often you expect to see a doctor.
Yes. For the Chancenkarte the HanseMerkur and Care-Concept offers fit — both are designed for a longer stay in Germany and are taken out before entry.
Visitor insurance (Incoming-Versicherung) covers emergency care only and runs for a limited period — it insures the duration of the visit. A statutory fund gives the full range of treatment and prevention but is open only to people who work or study in Germany. How the statutory system works is on the page about public health insurance. state health insurance.
With HanseMerkur a trip of up to 93 days costs from 1,70 € a day, and from 93 to 365 days from 2,40 € a day. For the others the price depends on age, term and the cover chosen. The exact amount comes from the calculation button in the card of the offer you want.
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Hi, I wanted to know the price.
Hello.
You can click to work out the cost. The cost depends on your age and the length of your trip. The average price is between 1.5 and 3 euros per day.
Hello, I’d like to find out your prices.
Hello.
You can click on the insurance purchase button and calculate the cost.
The cost depends on age and the length of the trip.