Health Insurance Requirements for German Visa

In order to obtain a visa to travel to Germany, all non-European citizens must have a travel/medical insurance policy that meets particular requirements. The policy also must show that you are specifically covered in the country of Germany. There are many worldwide policies that cover you outside of your home country. So, it may be wise to purchase one of these policies in case you might be traveling to one of the other European Union countries.

Health insurance requirements for the German visa are that your policy provides at least €30,000 (or $37,500 USD) in coverage. The policy is to provide benefits for emergency medical evacuation, medical expenses and repatriation (return of your mortal remains to your home country).

Most domestic, U.S. health insurance policies do not provide this coverage in countries outside the U.S. Typically, they will provide emergency only type coverage. This will not be sufficient for the consulate. In addition to meeting the above requirements, you also must submit written proof of coverage to the consulate. It must state that you have coverage in Germany and show that you have coverage up to the required amount for the necessary benefits.

It can be difficult finding policies that meet these requirements. I would recommend either the Atlas International or Student Secure policies.

Atlas Travel Student Secure
Student Health Insurance Student Health Insurance
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Both of these plans meet and exceed the visa requirements. In fact, many students and travelers have purchased them and have had no issues in meeting the consulate’s requirements. You can apply directly online for these plans using a debit or credit card.

After you purchase the plan, you can receive all of your insurance documents immediately via e-mail. Specifically, you will receive access to a visa letter. It will state which country you are particularly going to, how much you are covered for and will have your name and passport on it. It is also signed by an insurance representative. Once you’ve downloaded it, you can print it out and provide it to the consulate.

The Atlas Travel plan provides coverage for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc. This plan allows you to choose your maximum coverage limit (from $50,000 to $2,000,000) and your deductible (from $0 to $5,000). This plan provides worldwide coverage excluding your home country. To be eligible for this plan, you do not have to be a student but you must be outside of your home country.

Learn more about the Atlas Travel plan benefits here

The Student Secure plan is for full-time college students. Student Secure comes in four levels, Smart, Budget, Select, and Elite. The plan provides comprehensive inpatient and outpatient medical coverage up to $200,000 (Smart), $500,000 (Budget), $600,000 (Select), or $1,000,000 (Elite). The plan also includes maternity, mental health, prescription drugs, sports coverage, emergency medical evacuation, repatriation, doctor office visits, etc. You have the option to pay for it all at once or on a monthly basis.

View the Student Secure benefit comparison table here

If you are not sure of what is the best plan option for you, you can always contact us for personalized assistance finding the right plan for you.

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