{"id":38521,"date":"2026-05-12T12:55:05","date_gmt":"2026-05-12T11:55:05","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=38521"},"modified":"2026-07-07T13:19:54","modified_gmt":"2026-07-07T12:19:54","slug":"visitor-health-insurance-germany","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/visitor-health-insurance-germany\/","title":{"rendered":"Visitor Health Insurance &#038; VISA in Germany"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"38521\" class=\"elementor elementor-38521 elementor-38491\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec867e e-con-full e-flex e-con e-parent\" data-id=\"3ec867e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-354608d elementor-widget elementor-widget-html\" data-id=\"354608d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"brx-service-hero brx-service-hero--right\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2022\/10\/4.png');\">\n    <div class=\"brx-service-hero__container\">\n      <div class=\"brx-service-hero__inner\">\n        <div class=\"brx-service-hero__card\">\n          <span class=\"brx-service-hero__eyebrow\">Visitor health insurance<\/span>\n          <h1 class=\"brx-service-hero__title\">Visitor health insurance and VISA application in Germany<\/h1>\n          <p class=\"brx-service-hero__text\">This is health insurance for a German visa, designed for people from outside the European Union who come to Germany to visit family, for tourism, or to live here for up to 5 years. It meets the German embassy requirements for the Schengen Visa and the National Visa.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a class=\"brx-btn brx-btn--yellow\" href=\"https:\/\/www.bramex.de\/en\/visitor-health-insurance-form\/\">Request information<\/a>\n            <a class=\"brx-btn brx-btn--white\" href=\"#visitor-coverage\">See coverage<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Free advice in English.<\/strong> No extra cost on top of the insurer's rate.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-intro\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-intro__grid\">\n      <div class=\"brx-visit-intro__text\">\n        <h2 class=\"brx-visit-intro__title\">Insurance designed for people coming from outside the EU<\/h2>\n        <p>Visitor health insurance is designed for people from countries <strong>outside the European Union<\/strong> who travel to Germany for personal, family, or professional reasons and need medical coverage during their stay.<\/p>\n        <p>It works both for short stays (tourism, family visits) and for longer periods of up to <strong>5 years<\/strong>, as long as you don't have access to German public (GKV) or private (PKV) health insurance.<\/p>\n        <p>It is also one of the insurance policies accepted by the <strong>German embassy<\/strong> for applying for and renewing the Schengen Visa and the National Visa (Type D visa).<\/p>\n      <\/div>\n      <aside class=\"brx-visit-intro__box\">\n        <h3 class=\"brx-visit-intro__box-title\">Do you need it if\u2026?<\/h3>\n        <ul class=\"brx-visit-intro__list\">\n          <li>You come from a country outside the EU.<\/li>\n          <li>You are applying for a Schengen or National Visa.<\/li>\n          <li>A family member is visiting you and needs insurance to enter the country.<\/li>\n          <li>You will live in Germany for up to 5 years without an employment contract.<\/li>\n          <li>You don't yet have access to German public health insurance (GKV).<\/li>\n        <\/ul>\n        <p class=\"brx-visit-intro__crosslink\">Already in Germany looking for a job or learning German? Your profile is different: see our <a href=\"https:\/\/www.bramex.de\/en\/health-insurance-job-seekers-germany\/\">health insurance for job seekers and German-language students<\/a>.<\/p>\n      <\/aside>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-coverage\" id=\"visitor-coverage\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-coverage__head\">\n      <h2>What visitor health insurance covers<\/h2>\n      <p>Complete coverage that meets the legal requirements in Germany and those set by the German embassy for granting the visa.<\/p>\n    <\/div>\n    <div class=\"brx-visit-coverage__grid\">\n      <article class=\"brx-visit-coverage__card\">\n        <div class=\"brx-visit-coverage__icon\">\n          <svg viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M12 2a10 10 0 1 0 10 10A10 10 0 0 0 12 2zm5 11h-4v4h-2v-4H7v-2h4V7h2v4h4z\"\/><\/svg>\n        <\/div>\n        <h3>Doctor's fees<\/h3>\n        <p>Reimbursement of visits to general practitioners, specialists, emergency care, and outpatient treatments.<\/p>\n      <\/article>\n      <article class=\"brx-visit-coverage__card\">\n        <div class=\"brx-visit-coverage__icon\">\n          <svg viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M19 3H5a2 2 0 0 0-2 2v14a2 2 0 0 0 2 2h14a2 2 0 0 0 2-2V5a2 2 0 0 0-2-2zm-2 11h-3v3h-2v-3H9v-2h3V9h2v3h3z\"\/><\/svg>\n        <\/div>\n        <h3>Hospitalization<\/h3>\n        <p>Reimbursement of hospital admission costs, procedures, and stays, including emergency surgery.<\/p>\n      <\/article>\n      <article class=\"brx-visit-coverage__card\">\n        <div class=\"brx-visit-coverage__icon\">\n          <svg viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M12 2L4 6v6c0 5 3.5 9.5 8 10 4.5-.5 8-5 8-10V6l-8-4zm-1 14l-4-4 1.4-1.4L11 13.2l5.6-5.6L18 9z\"\/><\/svg>\n        <\/div>\n        <h3>Prescribed medication<\/h3>\n        <p>Coverage of medication prescribed by a doctor during treatment.<\/p>\n      <\/article>\n      <article class=\"brx-visit-coverage__card\">\n        <div class=\"brx-visit-coverage__icon\">\n          <svg viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M21 8h-4V4a2 2 0 0 0-2-2H9a2 2 0 0 0-2 2v4H3v12h18zM9 4h6v4H9z\"\/><\/svg>\n        <\/div>\n        <h3>Repatriation<\/h3>\n        <p>Additional costs in the event of death: transfer to the country of origin or burial in Germany up to the equivalent cost.<\/p>\n      <\/article>\n      <article class=\"brx-visit-coverage__card\">\n        <div class=\"brx-visit-coverage__icon\">\n          <svg viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M12 2C6.5 2 2 6.5 2 12s4.5 10 10 10 10-4.5 10-10S17.5 2 12 2zm0 18a8 8 0 1 1 8-8 8 8 0 0 1-8 8zm-1-13h2v6h-2zm0 8h2v2h-2z\"\/><\/svg>\n        <\/div>\n        <h3>24\/7 emergency assistance<\/h3>\n        <p>Emergency care throughout your stay in Germany and in the rest of the Schengen area.<\/p>\n      <\/article>\n      <article class=\"brx-visit-coverage__card\">\n        <div class=\"brx-visit-coverage__icon\">\n          <svg viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M12 1 3 5v6c0 5.6 3.8 10.7 9 12 5.2-1.3 9-6.4 9-12V5zm-1 15-4-4 1.4-1.4L11 13.2l5.6-5.6L18 9z\"\/><\/svg>\n        <\/div>\n        <h3>Early cancellation<\/h3>\n        <p>You can cancel the contract if you return to your country early or if you start working as an employee with a salary above the legal exempt minimum (\u20ac603 gross per month in 2026).<\/p>\n      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-visa\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-visa__head\">\n      <h2>Health insurance for a German visa in 2026: official requirements<\/h2>\n      <p>Health insurance for a German visa must meet different conditions depending on the type of visa you apply for. Here are the two cases and the requirements verified for 2026.<\/p>\n    <\/div>\n    <div class=\"brx-visit-visa__grid\">\n      <div class=\"brx-visit-visa__card\">\n        <span class=\"brx-visit-visa__tag\">Schengen Visa<\/span>\n        <h3>Short-stay visa (up to 90 days)<\/h3>\n        <p>For tourism, family visits, or business trips. Embassies require insurance valid throughout the Schengen area with a minimum coverage of <strong>\u20ac30,000<\/strong> and repatriation included.<\/p>\n        <p class=\"brx-visit-visa__note\">This insurance meets both requirements.<\/p>\n      <\/div>\n      <div class=\"brx-visit-visa__card\">\n        <span class=\"brx-visit-visa__tag\">National Visa (Type D)<\/span>\n        <h3>Long stays (more than 90 days)<\/h3>\n        <p>Required to live, study, do a master's degree, or relocate for family reasons. As long as you don't have access to the German social security system, this insurance is valid as medical coverage.<\/p>\n        <p class=\"brx-visit-visa__note\">Compatible with applying for and renewing the residence permit.<\/p>\n      <\/div>\n    <\/div>\n    <div class=\"brx-visit-visa__tablewrap\">\n      <table class=\"brx-visit-visa__table\">\n        <caption class=\"brx-visit-visa__caption\">Health insurance requirements for the German visa in 2026<\/caption>\n        <thead>\n          <tr>\n            <th>Requirement 2026<\/th>\n            <th>Schengen Visa (Type C)<\/th>\n            <th>National Visa (Type D)<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Length of stay<\/td>\n            <td>Up to 90 days (within a 180-day period)<\/td>\n            <td>More than 90 days<\/td>\n          <\/tr>\n          <tr>\n            <td>Minimum medical coverage<\/td>\n            <td>\u20ac30,000<\/td>\n            <td>No single figure: adequate medical coverage for the entire stay<\/td>\n          <\/tr>\n          <tr>\n            <td>Repatriation<\/td>\n            <td>Mandatory<\/td>\n            <td>Included in this insurance<\/td>\n          <\/tr>\n          <tr>\n            <td>Required territorial validity<\/td>\n            <td>Entire Schengen area<\/td>\n            <td>Germany (this insurance additionally covers the entire Schengen area)<\/td>\n          <\/tr>\n          <tr>\n            <td>Validity period<\/td>\n            <td>Entire planned stay<\/td>\n            <td>Until you access public (GKV) or private (PKV) insurance<\/td>\n          <\/tr>\n          <tr>\n            <td>Where it is submitted<\/td>\n            <td>German consulate or embassy in your country<\/td>\n            <td>Consulate (application) and immigration office (renewal)<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p class=\"brx-visit-visa__source\">Source of the Schengen requirement: Article 15 of <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX:32009R0810\" target=\"_blank\" rel=\"noopener\">Regulation (EC) 810\/2009, the EU Visa Code<\/a>.<\/p>\n    <p class=\"brx-visit-visa__cta\">Want to know how much it costs? Check the <a href=\"https:\/\/www.bramex.de\/en\/temporary-health-insurance-rates-germany\/\">2026 rates for temporary health insurance in Germany<\/a> and sign up directly.<\/p>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-how\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-how__head\">\n      <h2>How the insurance works step by step<\/h2>\n      <p>The German system works by reimbursement: you pay upfront and the insurer pays you back. Here is the complete process.<\/p>\n    <\/div>\n    <div class=\"brx-visit-how__steps\">\n      <div class=\"brx-visit-how__step\">\n        <span class=\"brx-visit-how__num\">1<\/span>\n        <h3>You receive your policy as a PDF<\/h3>\n        <p>Once your contract is processed, we email you the PDF with your policy. Keep it on your phone or print it out.<\/p>\n      <\/div>\n      <div class=\"brx-visit-how__step\">\n        <span class=\"brx-visit-how__num\">2<\/span>\n        <h3>You choose your doctor freely<\/h3>\n        <p>You can go to any doctor, specialist, or hospital you want. There is no closed list or mandatory medical network.<\/p>\n      <\/div>\n      <div class=\"brx-visit-how__step\">\n        <span class=\"brx-visit-how__num\">3<\/span>\n        <h3>You show your policy and ID<\/h3>\n        <p>At the appointment, simply show the PDF of your policy and your ID card or passport.<\/p>\n      <\/div>\n      <div class=\"brx-visit-how__step\">\n        <span class=\"brx-visit-how__num\">4<\/span>\n        <h3>You receive the doctor's invoice<\/h3>\n        <p>The doctor will send you the invoice, usually by post. You have about a month to pay it.<\/p>\n      <\/div>\n      <div class=\"brx-visit-how__step\">\n        <span class=\"brx-visit-how__num\">5<\/span>\n        <h3>You send the invoice to the insurer<\/h3>\n        <p>Forward a copy to the email address we will provide, including your policy number so you can be identified quickly.<\/p>\n      <\/div>\n      <div class=\"brx-visit-how__step\">\n        <span class=\"brx-visit-how__num\">6<\/span>\n        <h3>You receive the reimbursement and pay the doctor<\/h3>\n        <p>The insurer transfers the amount to your account in about 3 weeks. With that money, you make the transfer to the doctor.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-where\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-where__box\">\n      <div class=\"brx-visit-where__content\">\n        <span class=\"brx-visit-where__eyebrow\">Geographic coverage<\/span>\n        <h2>Where you are covered with this insurance<\/h2>\n        <p>Your coverage is not limited to Germany. You are insured in all Schengen countries and in several European microstates.<\/p>\n        <ul class=\"brx-visit-where__list\">\n          <li>The entire European Union.<\/li>\n          <li>Countries in the Schengen area.<\/li>\n          <li>Andorra, Monaco, San Marino, and Vatican City.<\/li>\n          <li>If the contract lasts at least 12 months, you are also covered for up to 6 weeks per year in your country of origin.<\/li>\n        <\/ul>\n        <p class=\"brx-visit-where__warning\"><strong>Important:<\/strong> the insurance does not cover your country of origin (defined as your permanent residence before coming to Germany), except for the 6-week annual limit mentioned above.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-cancel\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-cancel__head\">\n      <h2>When and how you can cancel<\/h2>\n      <p>This insurance has no minimum contract period. You can cancel it if your personal or professional situation changes. These are the most common cases.<\/p>\n    <\/div>\n    <div class=\"brx-visit-cancel__grid\">\n      <article class=\"brx-visit-cancel__card\">\n        <h3>You start working as an employee<\/h3>\n        <p>If your gross salary exceeds <strong>\u20ac603\/month in 2026<\/strong>, you are no longer a minijobber and are required to join the German public system (GKV). We help you process both the registration and the cancellation of this insurance.<\/p>\n      <\/article>\n      <article class=\"brx-visit-cancel__card\">\n        <h3>You get married and join your partner's policy<\/h3>\n        <p>If your husband or wife has public insurance, you can join as a family beneficiary. Just let us know and send us the welcome letter from the public insurer.<\/p>\n      <\/article>\n      <article class=\"brx-visit-cancel__card\">\n        <h3>You return to your country or move away<\/h3>\n        <p>It is enough to send us the <strong>Abmeldung<\/strong> from the town hall (deregistration certificate) or proof of your return flight.<\/p>\n      <\/article>\n      <article class=\"brx-visit-cancel__card\">\n        <h3>You start university<\/h3>\n        <p>If you enroll, you can switch to public student insurance. We will need your enrollment certificate to manage the change.<\/p>\n      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-faq\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-faq__head\">\n      <h2>Frequently asked questions about health insurance for a German visa<\/h2>\n      <p>We answer the most common questions about visitor health insurance and the VISA in Germany.<\/p>\n    <\/div>\n    <div class=\"brx-visit-faq__list\">\n      <details class=\"brx-visit-faq__item\">\n        <summary>What minimum coverage does the embassy require for the Schengen Visa?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>The German embassy requires insurance with a minimum coverage of <strong>\u20ac30,000<\/strong>, 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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>What insurance documentation does the German consulate ask for the visa?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>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 \u20ac30,000, 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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>What is the difference between the Schengen Visa and the National Visa (Type D)?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Can I take out this insurance for my parents or other relatives visiting me?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>What is the invitation letter and does it replace the health insurance?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>The invitation letter (Verpflichtungserkl\u00e4rung) 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 \u20ac30,000 remains mandatory for the Schengen Visa.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Is this insurance valid for extending my visa in Germany?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Do I have to pay the doctor directly?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Can I choose my doctor freely?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>Yes. You can go to any general practitioner, specialist, or hospital you prefer. There is no closed list or mandatory medical network.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>How long can I keep this insurance?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Does the insurance cover me outside Germany?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>Yes. You are covered throughout the EU, in Schengen countries, Andorra, Monaco, San Marino, and Vatican City. <strong>It does not cover your country of origin<\/strong> (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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Is there a minimum contract period?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>No. You can cancel at any time if your situation changes (you start working, get married, return to your country, start studying, etc.).<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Does it include repatriation costs?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>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.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-visit-faq__item\">\n        <summary>Do I have to pay for the entire insurance in advance?<\/summary>\n        <div class=\"brx-visit-faq__answer\">\n          <p>No. The premium is normally paid monthly by direct debit. We advise you on the options available depending on the insurer.<\/p>\n        <\/div>\n      <\/details>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-why\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-why__head\">\n      <h2>Why Bramex<\/h2>\n      <p>For years we have been helping Spanish, English, and Romanian speakers take out their insurance in Germany. Here is why you can trust us.<\/p>\n    <\/div>\n    <div class=\"brx-visit-why__grid\">\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">\u2605<\/span>\n        <h3>Choice<\/h3>\n        <p>We help you choose the insurance that best fits your situation.<\/p>\n      <\/div>\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">\u20ac<\/span>\n        <h3>Costs<\/h3>\n        <p>No extra cost on top of the insurer's rate. Free advice.<\/p>\n      <\/div>\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">\u2713<\/span>\n        <h3>Partners<\/h3>\n        <p>We work with 95% of the best insurers in the country.<\/p>\n      <\/div>\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">\u2665<\/span>\n        <h3>Support<\/h3>\n        <p>We are with you before and throughout the insurance contract process.<\/p>\n      <\/div>\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">i<\/span>\n        <h3>Information<\/h3>\n        <p>We keep you up to date with news and changes that may affect you.<\/p>\n      <\/div>\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">L<\/span>\n        <h3>Language<\/h3>\n        <p>Customer service 100% in your language: Spanish, English, or Romanian.<\/p>\n      <\/div>\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">\ud83d\udcc4<\/span>\n        <h3>Paperwork<\/h3>\n        <p>We take German bureaucracy off your plate. Easy and fast management.<\/p>\n      <\/div>\n      <div class=\"brx-visit-why__card\">\n        <span class=\"brx-visit-why__icon\">\u23f1<\/span>\n        <h3>Experience<\/h3>\n        <p>Our track record in insurance in Germany speaks for itself.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-visit-cta\">\n  <div class=\"brx-visit-container\">\n    <div class=\"brx-visit-cta__box\">\n      <div class=\"brx-visit-cta__content\">\n        <h2>Ready to come to Germany with the right coverage?<\/h2>\n        <p>Check the rates and sign up online, or ask us for personalized information for your case: short visit, long stay, Schengen Visa, or National Visa.<\/p>\n        <div class=\"brx-visit-cta__actions\">\n          <a class=\"brx-btn brx-btn--yellow\" href=\"https:\/\/www.bramex.de\/en\/temporary-health-insurance-rates-germany\/\">See rates and sign up<\/a>\n          <a class=\"brx-btn brx-btn--white\" href=\"https:\/\/www.bramex.de\/en\/visitor-health-insurance-form\/\">Request information<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n.brx-visit-container{width:100%;max-width:1200px;margin:0 auto;padding-left:20px;padding-right:20px;box-sizing:border-box}\n\n.brx-visit-intro{padding:80px 0;background:#ffffff}\n.brx-visit-intro__grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:start}\n.brx-visit-intro__title{margin:0 0 18px;font-size:32px;line-height:1.2;font-weight:700;color:#1c244b}\n.brx-visit-intro__text p{margin:0 0 16px;font-size:17px;line-height:1.7;color:#595757}\n.brx-visit-intro__text p strong{color:#1c244b;font-weight:600}\n.brx-visit-intro__box{padding:32px;border-radius:20px;background:#f7f8fb;border:1px solid #e8e8e8}\n.brx-visit-intro__box-title{margin:0 0 16px;font-size:22px;line-height:1.2;font-weight:700;color:#1c244b}\n.brx-visit-intro__list{margin:0;padding:0;list-style:none}\n.brx-visit-intro__list 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\"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What minimum coverage does the embassy require for the Schengen Visa?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The German embassy requires insurance with a minimum coverage of \u20ac30,000, 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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What insurance documentation does the German consulate ask for the visa?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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 \u20ac30,000, 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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between the Schengen Visa and the National Visa (Type D)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I take out this insurance for my parents or other relatives visiting me?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the invitation letter and does it replace the health insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The invitation letter (Verpflichtungserkl\u00e4rung) 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 \u20ac30,000 remains mandatory for the Schengen Visa.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is this insurance valid for extending my visa in Germany?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do I have to pay the doctor directly?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I choose my doctor freely?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. You can go to any general practitioner, specialist, or hospital you prefer. There is no closed list or mandatory medical network.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How long can I keep this insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the insurance cover me outside Germany?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is there a minimum contract period?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. You can cancel at any time if your situation changes (you start working, get married, return to your country, start studying, etc.).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does it include repatriation costs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do I have to pay for the entire insurance in advance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. The premium is normally paid monthly by direct debit. We advise you on the options available depending on the insurer.\"\n      }\n    }\n  ]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Visitor health insurance Visitor health insurance and VISA application in Germany This is health insurance for a German visa, designed for people from outside the European Union who come to Germany to visit family, for tourism, or to live here for up to 5 years. It meets the German embassy requirements for the Schengen Visa &#8230; <a title=\"Visitor Health Insurance &#038; VISA in Germany\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/en\/visitor-health-insurance-germany\/\" aria-label=\"Read more about Visitor Health Insurance &#038; VISA in Germany\">Read more<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-38521","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance for a German Visa 2026 \u00b7 In English<\/title>\n<meta name=\"description\" content=\"Health insurance for a German visa that meets the embassy requirements in 2026. 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