Schengen Visa Application, Requirements, and Health Insurance for Germany:
The 4 Most Common Risks and Reasons for Visa Rejection


1. Visa Application for Foreigners: Without travel health insurance, no visa at the embassy or consulate

Health insurance is always an essential requirement for a visa application at the German embassy and a visa extension at the immigration office (German: Ausländerbehörde).

Therefore, anyone applying for a visa for Germany or any other EU member country must prove to have adequate travel insurance. Without Incoming Health Insurance, a visitor's visa could be denied, and entry into Germany could be refused.


Our Recommendation:

You can find inexpensive health insurance for foreign guests and visitors starting at EUR 30.00 / 30 days (max. 2 years) that you can apply directly online. The monthly premiums are very reasonable, and the insurance complies with the visa requirements for a Schengen Visa and can be used for a visa application or visa extension.

After filling out the online application, you will promptly receive all documents via email. You can use these documents at the local immigration office (Ausländerbehörde) or the embassy to apply for a Schengen Visa or extend your existing visa.


Health Insurance for Foreign Guests and Visitors in Germany starting at EUR 30.00 / 30 days: more details here ...

 

Schengen Visa Application, Requirements and Health Insurance for Germany



2. Not all Incoming Insurances are recognized by the German embassy or immigration office!

Please be aware that the insurance for foreigners must comply with the regulations for a Schengen Visa by the European Union Council. Health insurance is very important for both embassies abroad and the immigration office in Germany.

The Incoming Health Insurance for foreign guests must be valid in all Schengen states and provide at least EUR 30,000 coverage. The Travel insurance must be obtained BEFORE applying for a visa.


Our Recommendation:

The travel insurance from "Hanse-Merkur Versicherungsgruppe" (from EUR 30.00 / 30 days, maximum 2 years) meets the regulatory requirements of the embassy and immigration office for a Schengen Visa. Therefore, in our experience, it is recognized as proof of insurance by all foreign authorities (Ausländerbehörde) in Germany.

Another advantage: You will receive the insurance certificate quickly and easily via email. Please print it out and present it to the embassy or immigration office with your visa application or renewal for Germany or any other Schengen country.


Price: from EUR 30.00 / 30 days (max. 2 years) ...

 


3. High costs for treatments or operations in Germany

Unfortunately, illnesses and accidents can never be avoided entirely, and especially in Germany, those are always associated with high costs. Dental treatment or a necessary operation in a hospital after an accident can easily cost the foreign guest or the German host more than EUR 1,000.

On the other hand, travel health insurance for foreign guests is not expensive at all, starts at about EUR 1.00 per day, but can, in a worst-case scenario, prevent financial ruin for someone affected.

 


4. High Financial Risk for the host resident in Germany due to "Verpflichtungserklaerung"

How big is the personal financial risk when signing a Formal Obligation (German: Verpflichtungserklärung)
with the Foreigner's Registration Office (Ausländerbehörde) and inviting foreigners to Germany?


If an applicant does not have the financial means for health insurance abroad, then the inviting host may purchase the insurance for the guest.


Please note:

You are taking on a relatively high financial risk through the invitation of the foreign guest and when signing the Declaration of Obligation (Verpflichtungserklärung). Therefore, we recommend taking out an insurance package that combines visitor's health insurance and accident/liability insurance.

By signing a Verpflichtungserklärung for foreigners in Germany, you pledge to cover not only all costs associated with the trip of the foreign visitors, including the cost of any medical treatment but also to reimburse potentially incurred public expenses.

And that can get very expensive!


Our recommendation for hosts in Germany:

From our experience, we can recommend the visitor health insurance by Hanse-Merkur Versicherungsgruppe (from EUR 30.00 / 30 days) in combination with an accident and liability insurance for the foreign guests (from EUR 2.00 / month additionally).

To include personal liability insurance or a personal liability/accident insurance package, answer the question "Do you want to take out liability or accident and liability insurance?" from the online application form with "Yes". This package is highly recommended because you get additional liability insurance and accident insurance for a relatively small amount and are now well covered for the most financial risks.

 

 

Frequently asked questions about the health insurance for foreign guests in Germany or Schengen.


Can I use this health insurance when applying for a German Visa?

Yes, the insurance coverage meets the requirements for a Schengen Visa by the European Union Council and can be used for a visa application or visa extension for Germany or any other Schengen state. The required minimum coverage of EUR 30,000 is guaranteed and will be stated on your insurance policy.

After applying online, you will receive all insurance documents within minutes via email. Please print and take them to the embassy or consulate.


>>> More details ....

 

The German Embassy requires minimum coverage of EUR 30.000, which should be stated on the insurance policy. Does this policy comply with the requirements?

Yes, the insurance coverage meets the requirements for a Schengen Visa and can be used for visa application or visa extension. The required minimum coverage of EUR 30,000 is guaranteed and is stated on the insurance policy.

After applying online, you will receive all insurance documents within minutes via email. Please print and take them to the embassy or consulate.


>>> More details ....

 

Is this Travel Insurance recognized by the immigration authorities in Germany (Ausländerbehörde)?
As proof of insurance for a Formal Obligation (Verpflichtungserklärung) or a Visa Extension?

Yes, this health insurance meets the standard requirements for a visa application (Schengen Visa) and guarantees the minimum coverage of EUR 30,000. According to our experience, the insurance certificate is recognized by the immigration office in Germany and the German embassy abroad.


>>> More details ....

 

Do I receive proof of insurance that can be submitted to the embassy or local immigration office?

Once you have submitted the online application for your travel health insurance and if all information is complete and valid, you will receive a printable insurance certificate via email within just a few minutes. You can generally already use this to apply for or extend your visa or residence permit. If the term of the health insurance is for more than 120 days and you have provided a German address, your documents will also be sent by mail.

This travel health insurance is recognized as proof of insurance by the immigration authorities in Germany in our experience. In most cases, it is sufficient to present a printed out copy to the local immigration authorities in Germany or the German embassy abroad.


>>> More details ....

 

What happens if a foreign guest does not receive a visa?

If a guest or visitor cannot enter Germany, you can cancel the contract and apply for a refund of your insurance premium. However, to get a refund of the insurance premium, it is always necessary to promptly cancel the contract in writing and include a copy of the notice of refusal from the respective embassy or consulate. You will receive a refund of any paid premiums within four to six weeks. For a refund, there will be a one-time processing fee of only five euros.

 

How many months should be entered on the application form for "term of insurance" if I don't exactly know how long the stay in Germany will be?

It makes sense always to indicate the maximum amount of months that might be spent in Germany when answering the question "Term of Insurance" in the Online Application. If there is a change in your schedule, the notification must be made either by letter, fax, or email. The insurance contract may be extended or canceled following the tariff regulations.

 

Can I use the health insurance for a Schengen Visa?

Yes, the health insurance coverage meets the regulations for a Schengen Visa by the European Union Council and can be used for a visa application or extension. The required minimum coverage of EUR 30,000 is guaranteed and is stated on the certificate.

After filing your online application, you will receive all insurance documents via email within minutes. Please print these and take them to the German embassy or consulate.

In our experience, this health insurance for foreigners in Germany is recognized as proof of insurance by all local immigration authorities (Ausländerbehörde) in Germany.

 

Health Insurance for Foreign Guests and Visitors in Germany starting at EUR 30.00 / 30 days: more details here ...

 

 

 

Best Value for the money.
Got everything on time and did use the documents without problem to obtain a visa in the German embassy.
We love you guys and are very appreciative of everything you do!

Svetlana, Russia

Excellent experience. I have nothing but good things to say about this website and the online application service.
Their pricing is fair and reasonable.


Sara, Australia

I am a long-term visitor in Germany and needed quickly a cheap insurance.
Got my insurance docs within minutes. Best Value for the money.

THANKS!

Rahul, India

We have received the documents REALLY within minutes and were able to extend our visa.

Great service. Can only recommend it.
Will use it definitely also in future.

Christina, Brazil
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Private Health Insurance in Germany for Foreign Students, Visitors and Expatriates
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