Incoming-Versicherung – insurance for travel to Germany

Visa Application Centers in Germany from 30.09.2022
make new demands on
documents when applying for
obtaining a Schengen visa.

Medical insurance for everyone
purpose of travel to Germany: accepted
only health insurance
German companies or other companies
EU countries (in German, English or with translation).

We have selected 6 of the best offers on the market:

For whom?

Areas of insurance

the European Union (EU), as well as Iceland,
Liechtenstein, Norway and Switzerland +
European economic area
(EWR).

Why is insurance so important?

By insuring yourself, you protect yourself from financial losses and problems during your trip.

What can be insured:

Medical treatment (by doctor's prescription only)

Ambulatory treatment
Hospital treatment
emergency dentistry
Sudden birth
Medical materials and medicines
Transportation to the nearest clinic
Search and rescue

Accident

Liability to third parties

Baggage

Medical travel insurance for Germany

All medical insurances we have selected comply with the requirements for obtaining a Schengen visa

Valid for all types of travel, including business trips, study or work.
Valid for the period of temporary stay on the territory of the European Union and in the Schengen area;
It is possible to choose insurance up to 5 years;
Covers medical treatment (outpatient and hospital), incl. dental;
Covers medical materials and medicines prescribed by a doctor, transportation to the clinic;
covers transportation back home;
search, rescue and recovery costs.

The best offer for guests

up to 60 months
to 75 years
Key differences:

Franchise 25 euros for each insured event.
Trips up to 93 days from 1,70 per day, 93-365 days from 2,40 per day.
For foreign citizens temporarily staying in Germany, as well as the countries of the European Union, the Schengen Agreement, Andorra, Monaco, San Marino and the Vatican.

The main thing:

The amount of coverage is not limited.
The age of the insured person is up to 75 years.
Meets all the requirements for obtaining a Schengen visa.

Basic package:

Medical insurance (the amount is not limited)
Travel Health Insurance

Additional package:

Liability (up to 2,5 million euros)
Reise-Haftpflichtversicherung
Emergency Insurance
Notfall-Versicherung
Accident (search and rescue up to 10
euros, disability - up to 60 euros)
Trip-Unfallversicherung
Luggage (up to 2 euros)
Reisegepack-Versicherung

The best offer for expats

up to 60 months
to 75 years
Key differences:

Franchise 150 euros per year
When staying in Germany, renewal is possible every 5 years
For persons with a place of residence abroad all over the world in Germany, Austria, countries of the European Union, Schengen countries, Switzerland and Liechtenstein

The main thing:

The age of the insured person is up to 75 years
Please note: in Germany, you do not have to pay social security contributions due to work
Term from 3 months to 5 years
Meets all requirements for obtaining a Schengen visa

Care Expatriate Comfort:

Medical insurance — ADVIGON (the amount is not limited; medically necessary outpatient and inpatient treatment, dentistry, etc.)
Travel Health Insurance

Additional packages:

Liability (up to 2,5 million euros)
Reise-Haftpflichtversicherung
Accident (search and rescue up to 10 euros, disability up to 000 euros)
Trip-Unfallversicherung
Sick leave (compensates for loss of income due to long-term illness)
Daily benefits insurance

Selection with the highest age limit

Medical insurance for a Schengen visa with a wide age limit, meeting the requirements for a Schengen visa.

Best prices for any age

to 365 days
to 99 years
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

The main thing:

The amount of coverage is not limited
The age of the insured person is up to 99 years
Transportation home
Deductible or “0” or 100 €/case
Meets all requirements for obtaining a Schengen visa

You can conclude separately:

Medical insurance
Travel Health Insurance

Or the full package – ERGO:

Liability (up to €500.000 lump sum for personal injury and property damage)
Reise-Haftpflichtversicherung
Accident (search and rescue up to 10.000 euros, disability up to 20.000 euros)
Trip-Unfallversicherung

The best offer for those who travel in retirement

to 93 days
to 99 years
Key differences:

Travel to all countries participating in the Schengen Agreement, as well as Andorra, Bulgaria, Croatia, Romania, San Marino, Vatican, Cyprus
Single trip up to 93 days

The main thing:

The amount of coverage is not limited
The age of the insured person is up to 99 years
Transportation home
Franchise "0"
Meets all requirements for obtaining a Schengen visa

You can include the following blocks:

Medical insurance (the amount is not limited;
search and rescue up to 7 euros)
Travel Health Insurance
Luggage (up to 3 euros, up to 000 euros for
phones and gadgets, glasses up to 250 euros)
Reise-Gepäckversicherung

Other offers

The best offer for young people

Health insurance for students, language school students, au-pairs, temporary workers and other young people.

up to 60 months
to 35 years

The age of the insured person is up to 35 years
Coverage area: Germany, European Union countries, Schengen countries, Andorra, Monaco, San Marino and Vatican City
If you are temporarily in Germany for work and your place of residence is in another country (i.e. in Germany, due to work, you are not charged social security contributions)
insurance)
You do not need incoming insurance if you are applying to a public university in Germany, which requires a compulsory state certificate for admission. health insurance up to 30 years
Franchise 25 euros for each insured event
Meets all requirements for obtaining a Schengen visa

Main package - ADVIGON:

Medical insurance (the amount is not limited; medically necessary outpatient and inpatient treatment, dentistry, etc.)
Travel Health Insurance

Additional package - HanseMerkur:

Liability (up to 2,5 million euros)
Reise-Haftpflichtversicherung
Emergency Insurance
Notfall-Versicherung
Accident (search and rescue up to 10
euros, disability - up to 60 euros)
Trip-Unfallversicherung
Luggage (up to 2 euros)
Reisegepack-Versicherung

Best visa offer

to 92 days
to 75 years

The main thing:

For persons with a place of residence abroad throughout the world when they are in the territory of the European Union and in the Schengen area
The age of the insured person is up to 75 years
IMPORTANT! A visa and passport are required
Franchise “0” euros per year
Up to 92 days in total during the year for any number of trips
Temporary stay
Meets all requirements for obtaining a Schengen visa

Age

One-time trip

Annual package

to 64 years

0,85 € / day

110,00 €/year

older than 65 years

2,60 € / day

215,00 €/year

Care Visa Protect:

Medical insurance – amount 50 €
(medically necessary outpatient and inpatient treatment, dentistry, etc.)
Travel Health Insurance

Additional packages:

Liability (up to 2,5 million euros)
Reise-Haftpflichtversicherung
Accident (search and rescue up to 10 euros, disability up to 000 euros)
Trip-Unfallversicherung
Sick leave (compensates for loss of income due to long-term illness)
Daily benefits insurance

What to do in case of an emergency?

Needed immediately contact your insurance company. You need to report the following information:
– exact address and telephone number of your current place of residence;
– names of contact persons (e.g. doctor, hospital, police);
– an accurate description of the circumstances, evidence of their occurrence;
– all other necessary data (for example, start/end of the trip, organizer, insurance policy number).
In the event of theft or criminal acts against you, you must immediately report the incident as well to the nearest police station.

If you need inpatient treatment, you must contact your insurance company, before paying expenses or repatriating.

Every insurance company has an internal emergency center with a competent team of doctors and specialists around the world, 365 days a year, 24 hours a day. You will be consulted at any time, quickly and competently. You can call, write a letter or use the chat.