Visitor health insurance and VISA application in Germany

The German embassy requires insurance with a minimum coverage of €30,000, repatriation included, valid throughout the Schengen area for the entire stay. This is set out in Article 15 of the EU Visa Code (Regulation EC 810/2009). This insurance meets all the requirements.

The consulate asks for a certificate or policy showing your full name exactly as it appears in your passport, the coverage dates for the entire planned stay, the minimum insured sum of €30,000, validity throughout the Schengen area, and confirmation that repatriation is included. We send you the policy as a PDF with all this information so you can present it directly at the consulate.

The Schengen Visa (Type C) is for stays of up to 90 days within a 180-day period: tourism, family visits, or business. The National Visa (Type D) is for stays of more than 90 days: to live, study, or relocate for family reasons, and it later gives access to the residence permit. This insurance is valid for both as long as you don't have access to German public (GKV) or private (PKV) insurance.

Yes. It is one of the most common cases: you live in Germany and take out the insurance for your parents or another relative coming to visit. The policy is issued in the visitor's name, with their travel dates, and serves as proof of insurance for the visa application. We handle the process with you in English.

The invitation letter (Verpflichtungserklärung) is the document with which your host in Germany commits to covering the costs of your stay, and the consulate may request it as proof of the purpose of the trip. It does not replace the health insurance: they are independent requirements, and insurance with a minimum coverage of €30,000 remains mandatory for the Schengen Visa.

Yes. It is compatible with both the Schengen Visa (short stay) and the National Visa (Type D, long stay), as well as with renewing the residence permit.

The doctor will send the invoice by post to your home address. You have about a month to pay it by bank transfer. In the meantime, you send a copy of the invoice to the insurer, who transfers the amount to your account in about 3 weeks. When you receive the money, you make the transfer to the doctor. It is important to always include your policy number when sending the invoice.

Yes. You can go to any general practitioner, specialist, or hospital you prefer. There is no closed list or mandatory medical network.

Up to a maximum of 5 years. It is insurance designed for limited stays, not for permanent residence. For indefinite residence, you will need to switch to German public (GKV) or private (PKV) insurance, depending on your situation.

Yes. You are covered throughout the EU, in Schengen countries, Andorra, Monaco, San Marino, and Vatican City. It does not cover your country of origin (understood as your permanent residence before coming). Exception: if the contract lasts at least 12 months, the insurance covers you for a maximum of 6 weeks per year in your country of origin.

No. You can cancel at any time if your situation changes (you start working, get married, return to your country, start studying, etc.).

Yes. The insurance reimburses additional costs in the event of death: transfer to the country of origin or, alternatively, burial costs in Germany up to the equivalent of repatriation.

No. The premium is normally paid monthly by direct debit. We advise you on the options available depending on the insurer.