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
Learn more Learn more

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.


71 thoughts on “Health Insurance Requirements for German Visa”

Anonymous says:

This is very good reading”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.The policy is to provide benefits for emergency medical evacuation,
medical expenses and repatriation (return of your mortal remains to your home country).”i liked your articles.

Perry Joynt says:

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Jaswant Kaur says:

I want insurance

Hello Jaswant,

Thanks for your blog comment. We are happy to help you find a plan that would suit your needs. I have sent you an email with more information.

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anta says:

I am from India, going for a student visa. I purchased health insurance for Germany. Does the consulate require that I should be having health insurance in home country (India) also for the same period of stay in Germany?

Bryanna Davis says:

Hi Anta,

Since you will not be in your home country, that usually is not required. However, you will need coverage for while you are in Germany- nice job buying a plan already!

meraj says:

Good morning Sir, Sir I need health insurance for visa stamping on my passport. please let me know, how I will get it and what would be cost of it. Basically I want to know what is entire procedure of getting health insurance.

Thanks Sir

Bryanna Davis says:

Hi Meraj,

We are happy to help you. To best assist you, can we have the following:

-How long you will be in your host country
-What country is your host country (Germany?)
-What country are you from?
-Will you be an international student?

I look forward to helping you further.

Dhwani Thakkar says:

Hie mam I would be applying for student visa for Germany.. i would like to know if travel insurance is necessary at the time of visa application and if so how could i obtain it and what would be the minimum amount to b covered also within how many days cud i get the same.. thnx 🙂

Bryanna Davis says:

Hi Dhwani,

Thanks for your message. If you will be getting a Schengen Visa then yes you will need insurance coverage. You can see what you need for this visa and which plans will meet here. All three of the plans listed give you access to your documents right away. Good luck!

Shawn McCall says:

To study in Germany you need health insurance. Many students will be able to use their health insurance from their home country. Germany has concluded social insurance agreements with some countries, including the member states of the European Union and the European Economic Area. This means that anyone who has statutory health insurance in their home country can register this insurance cover with a statutory health insurer in Germany. To find out the best way of doing this you will need to contact your local health insurance company. You generally need a European Health Insurance Card (EHIC).

Private health insurers from other countries are sometimes also recognised in Germany. Your local insurer will be able to provide more information. In this case, you will need a confirmation certificate to enrol in the university. Anyone commencing their studies in Germany with private insurance is then not allowed to switch to a statutory health insurer for the entire duration of their course.

Maclean Fayiah says:

Hi,
I applied for travel insurance for my girlfriend this evening but I mistakingly gave a wrong email address for her. For this mistake, she has not been able to get her document that she will take at the German Embassy. I paid for the policy with my credit card. How can this be corrected for her to get her document?

Please contact our customer support team and we will deal with this right away!
http://www.internationalstudentinsurance.com/contact/

Zeeshan says:

hello, i need help regarding the effective date of travel insurance. From which date the travel insurance should be valid?……At the time of visa interview or during the plan period of travel?….looking for some helpful answer.

Akshay says:

Good Evening Mam,
I am applying for the Student visa for Masters from Germany. I needed to know all about the Travel Health Insurance that I can get. Ich warte fur Diene Mail

Mazbah uddin says:

I am going to apply for german student visa , how many months I need international student health insurance for visa requirement . I am now currently living in belgium but my nationality is Bangladeshi. I would like to take this insurnce . Any suggestions .

Bryanna Davis says:

Hi Mazbah,

You should have insurance coverage the entire time you need coverage. If you’re trying to obtain the Schengen Visa you can get more information on insurance for the Schengen Visa here.

Dr.Kalyan says:

Good Evening Mam,

Myself I am a Doctor from India applying for German National Visa for ‘Language course for Doctors’.

As we know the National Visa is for 1 year,
Should I have to take the Travel Insurance for the whole 1 year or just 3 months is enough?

Thanks in advance.

Nidhi Agarwwal says:

Hi,

My husband is going from India to Germany for 7 months for studies and I am also going with him.
I want to know a few things as my Visa Appointment is scheduled in mid of August:

1. I have applied for a Family Reunion Visa and my husband has applied for Student Visa, Do I need a Insurance for the Visa? Is Insurance required during Visa Interview?

2. My husband has invitation letter from the University, Do I need a separate Invitation Letter, if yes, then from whom (University/husband) or his Invitation letter will also work for me?

Please suggest as soon as possible as my appointment is very near.

wilma says:

Good morning..
Iam planning to travel to germany and I dont have any health insurance.. My sponsor would pay for health insurance. How is it work..?? Iam living working in taiwan now. What travel health insurance can I get.??

sofia says:

I am (INDIAN) going to Germany as a guest scientist for one year along with my family (a kid and husband). My scholarship will provide me (only) a free health, accident and personal/private liability insurance in Germany (after joining my new job) while I have to take one each for my husband and my child. So in this case do I need to take travel insurance again for one year or for first few months ? How would it be for my hus and kid, one year again even if they take a health insurance and other plans after reaching Germany?

Sofia

Vishnu says:

I am an Indian going for completing my B.tech from germany. is it necessary to produce health insurance at the time of VISA interview.if it is which is the best plan or company for health insurance.

Hello Vishnu,

Yes, you need to purchase health insurance to obtain a German visa. If you will be visiting for a year or less, we would suggest our Atlas Travel plan. Here’s a link: http://www.internationalstudentinsurance.com/travel-medical-insurance/

Harekrushna says:

Hello together,
I am going to apply for a work permit to Germany. I already have the employment contract. I want to know if I need a Health insurance for Visa application. Health insurance will be covered by employment from the date of joining in Germany.
Thanks in advance.

In order to obtain a visa to travel to Germany, all non-European citizens must have a medical insurance policy that meets particular requirements. If your employer in Germany is offering health insurance more than likely their plan will meet your requirements, but to be sure it would be best to contact your future employer directly. Best of luck!

tess says:

Good day,I am married to a German. I am in the Philippines.
Now I am planning to go Germany. I have a few questions :
– do I need to have a travel insurance for my visa requirements?
if so, how much is it?
I am gratefull that you will answer me in my email address.
Thank you for you time.

Hi Tess,

If you need to get a visa for Germany, the requirements are that your policy provides at least 30,000 euros (or $37,500) 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). If you will be in Germany for less than a year, our Atlas International plan is a great option. You can find out more and run a free quote here: http://www.internationalstudentinsurance.com/travel-medical-insurance/

Vaughn says:

Thank you so much for this. I was worrying about how I would get the documents to show the embassy, but now I know that they can send all the needed documents online!

susie says:

Good day maam/sir.I have a german boyfriend and he wants me to apply a tourist visa.my boyfriend ask how much the cost we pay for the health insurance here in the philippines?and he ask also if its ok to pay my health insurance in germany than here in philippines?

Pankaj says:

Hello,

I have recently been offered a job in Germany and I am going to apply for a visa/Blue card soon. One of the requirements for that is to have german health insurance. How can I get the health insurance when I will also need to register with public insursnce company in Germany through my employer.

Annisa says:

hey i will be travelling to germany. im an indonesian living in japan and it says that i have to have minimum 30.000 euro health insurance. how would i get that? please help!

Leah Hammond says:

Hi Annisa,

Thank you for visiting our blog.

Our Atlas Travel plan would be a great option to provide you coverage while you are traveling in Germany. This plan allows you to choose your policy maximum, so you will be able to choose from $50,000 to $1,000,000, all of which will meet the minimum requirement of 30,000 euros. You can view more about the plan here: http://www.internationalstudentinsurance.com/travel-medical-insurance/

Please let us know if you have any further questions or if there is anything else we can assist with!

Hidden says:

Hey Mam/Sir I will be travelling to Germany with my husband to be he’s going to take care of me and all expensice do i need to have healthy insurance to travel to Germany?

Bryanna Davis says:

Hello,

Thanks for visiting. Yes, if you will not have insurance during your travels then we do suggest purchasing coverage. I’ve sent you an email with further information on our Atlas Travel plan. It’s great for short term trips and will provide coverage for illnesses and injuries that occur while on your trip. Please let us know if you have any questions on this.

rooda says:

Iam rooda from Somali I need visa medical health insurance my liltle sister is very serious illness and doctor’s for somaliya say sorry go the out side of country to get good health so I went to give me all information to the visa medical health and the total cost?

Bryanna Davis says:

Hi Rooda,

Unfortunately we do not have a plan that we can guarantee will cover pre-existing conditions right away. However, if she will be a full time international student outside her home country then the Student Secure plan is a good option to cover new, eligible injuries and illnesses.

pooja says:

If I am going for PhD in Germany and need travel health insurance for visa so is it compulsory to have atleast for 180 days? I mean 90 days plan will not work?

Hello Pooja,

Thanks for your blog comment. Unfortunately, without knowing the specific German visa you are applying for, we wouldn’t be able to recommend a plan for your travel to Germany. Please contact your German consulate office or embassy and they will be able to assist you further with the length of coverage you will need.

Best of luck and have a great day!

amajor boniface uchechukwu says:

HOW CAN I GET GERMAN HEALTH INSURANCE ?I NEED IT THANKS.

Chioma says:

I was asked to come to the embassy with my passport after confirming my verification but they did not request for travel health insurance,is it a problem?

Hi Chioma,

Thanks for your comment. Unfortunately, we cannot confirm this information. We recommend contacting the German embassy and making sure that they have all of the necessary documents to process your visa.

Best of luck!

Chioma says:

I forgot to add that its a family reunion visa i applied for.

Yunchao says:

Hi, I am a Chinese student just graduated with F1 visa in US and looking for a health insurance during my OPT period. Could you please give suggestions on insurance? I may need to apply German business visa during my OPT period. It will be great if the insurance could also be used for visa application. In addition, there is also a requirement from German Consulate stating that the insurance company should have claims office in one of the Schengen countries. Thanks for your help!

Hi Yunchao,

Thanks for your blog comment. For your trip, I would recommend the Europe Travel Plan. I have sent you more details about the plan to your email.

Please let us know if you have any other questions.

Parika says:

Hello,

I am from India. I am going to germany for my masters. My session is starting from April 1, 2018. I have already taken a health insurance plan in germany which will be applicable from April 1. I need a travel insurance plan for my visa. Can you please help me with what travel insurance plan should I buy and for how much minimum time period would I need to buy the plan for ??

Yessica Prato says:

Hi Parika,

Thanks for your blog comment. For your trip, I would recommend the Atlas Travel Plan. I have sent you more details about the plan to your email.

Please let us know if you have any other questions.

jm says:

hello, im from philippines, what health insurance do i need to submit in german embassy for family reunion visa and the minimum time period do i need for the insurance? thanks

Hi JM,

Thanks for your comment. For your trip to Germany, I would recommend our Atlas Travel plan. The plan can be purchased for a minimum of 5 days and all the way up to 364 days. I have sent you more information about this plan to your email.

Please let us know if you have any other questions.

Bm says:

Hi,
I am from India and going for PhD in Germany. For my German National Visa(not Schengen visa ) application I need “travel health insurance covering the period from your departure to the date of enrollment at the university (mentioned in your letter of admission) (approx. 3 months)”, as is mentioned in the checklist. Can you please help me in this respect?

Thanks

Hello! Thanks for your comment.

Our Atlas Travel plan is a great option for coverage anywhere outside of your home country and can be purchased from a minimum of five days up to one year. If you would like to send your checklist to our insurance experts, you are welcome to do so by emailing info@internationalstudentinsurance.com. This way we can ensure whether or not our plans will meet. We look forward to hearing from you.

ANVA says:

Hello,
I’ve got an acceptance for Phd in Germany. My contract category is TVL-E13. I am going to apply for German visa but I am really confused with health insurance procedure, Based on the German visa requirements, I have to provide a health insurance which covers my stay’s duration(3 years). I come up with two answer after searching. Could you please help me that which of these two ways is correct??
1.providing a short time traveling health insurance (3 month) and after arriving to Germany, getting a health insurance for 3 years from one of the insurance companies in Germany.
2. getting a health insurance from one of the German companies which starts before my arrival( 1 month).
I am looking forward to hearing from you.

Hi Aniva,

Thanks for your comment and congrats on your PhD acceptance! We cannot confirm which of the two the German consulate would accept. I would recommend contacting them directly to better answer your questions. If you need a health insurance while you study in Germany, I would recommend our Europe Travel plan. I have sent you more information about the plan to your email.

Dulara Perera says:

Hi,
There is a student visa requirement of health insurance and also for university enrollment. Does that mean that we need health insurance before we go (for visa) and after we arrive there (for enrollment) as well? Also how do we know that the health insurance we got for visa will be approved by a public health insurance provider in Germany for enrollment?

Hi Dulara. Thank you for visiting our blog.

Our Atlas Travel plan would be a great option to provide you coverage while you are traveling in Germany. This plan allows you to choose your policy maximum, so you will be able to choose from $50,000 to $1,000,000, all of which will meet the minimum requirement of 30,000 euros. However, this plan may only be purchased and extended up to a year.

If you are looking for longer coverage, our Student Secure plan is an excellent option as well and may be purchased up to a year and extended up to 4 years as long as you maintain your student visa. If you have additional requirements to meet for your school, we would be happy to review them to confirm that your policy meets all your needs.

We hope this helps!

Ishan says:

Hi,
I am from India, I am applying for student visa for masters and I already have a travel health insurance.
So I just wanted to know is health insurance also mandatory for german student visa if yes,Do I have to take it before applying for visa.If yes, than can you suggest me any.
Thank you.

Hello Ishan,

Thanks for your comment. Yes, generally, insurance is part of the German visa requirements. I would recommend our Europe Travel plan if you need coverage for less than a year in Germany or the Atlas Travel plan if you need coverage for more than 1 year. I have sent you an email with more information about these plans.

Please let us know if you have any other questions.

Rosalie says:

Hi,

I’ll be applying soon for a German student visa (long-term) for my 2 years masters program.
So i would like to know and have clarification about the insurance that the embassy needs for the visa application. I am a bit confused on that.

Do i need to pay for the 2 years at a go?
Or do i pay just for 3 months and then i’ll be paying monthly once in Germany?

Looking forward to hearing from you.

Ramez Stephan says:

Hello Rosalie,

Thanks for your comment.

Our Atlas Travel plan is a great option for coverage anywhere outside of your home country and can be purchased from a minimum of five days up to one year. However, if you have certain insurance requirements that you have to meet during your stay, you are welcome to send that list to our insurance experts by emailing info@internationalstudentinsurance.com. This way we can ensure whether or not our plans will meet.

We look forward to hearing from you.

juliuspusic says:

I’m Julius from India.I got a job offer from germany and I have collected all the documents for visa interview except travel health insurance . I scheduled an appointment on December end .Do I need to submit travel health insurance while appearing for visa interview??? because how could I buy a travel health insurance when I am not sure about the journey date?..Help

Hi Julius,

Thanks for your blog comment. You can purchase a plan like the Atlas Travel plan and have a start date in the future. They usually just need proof that you will be covered for the period you will be in Germany.

Best of luck!

Hassan Hiasat says:

Very informative article. Great post, thanks for sharing.

Rose njoki says:

Am planning to apply for a tourist visa for Germany.is it possible for my boyfriend pay for my health insurance right there in Germany and send to me here in Kenya? Do I need travel insurance if I have health insurance? Please advise me on this. ????

Hello Rose,

Thanks for your comment. If you need an international plan to provide you with medical and travel coverage while you travel abroad as a tourist, our Atlas Travel plan is an excellent option.

Your boyfriend can purchase a health insurance plan on your behalf! Please click here to learn more.

Best of luck!

yuvraj says:

Hi There,
I would like to wish you first..
I want know that i got an offer from Germany employer and i got the required documents from them, but i have bit confusion on the health insurance in the embassy checklist
Is should i apply from here or should i ask my employer to apply.
My employer said i will get it the day i arrive in the Germany
Is it compulsory that i should show the insurance document at at the embassy interview.
kindly advice me

Hello,

Thanks for your comment. Usually, in order to approve a visa application, the embassy needs to see proof of coverage from the applicant prior to leaving their home country. If you’re looking for short-term coverage in Germany,our Atlas Travel plan might be an excellent option for you. You can click here to read more. Keep in mind that the requirements can vary from embassy to embassy, therefore, you can call the German embassy from your city to confirm.

Best of luck!

Emma Kate says:

Very useful information, really thank you so much for providing such information. I am really glad to see this information.


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