Travel health insurance for a Schengen visa
If you apply for a Schengen visa for a short stay, you need health-insurance evidence that fits the trip and the visa procedure. The competent embassy or consulate decides which documents it accepts in the individual application.
Described by the provider as proof of insurance for visa procedures. The competent diplomatic mission decides on acceptance in the individual case.
What insurance is required for a Schengen visa?
A Schengen visa application is assessed under the Visa Code and the checklist of the competent mission. Important points include the territorial scope, the insured period and the required cover. This page compares the incoming plans shown here; it does not pre-approve an individual visa application.
How do I get an insurance certificate for the embassy?
Visa applications commonly require a certificate showing the insurance cover. The document should clearly identify the insured person, the covered period and the territorial scope. The exact format and any additional wording depend on the competent mission.
Short Schengen trip or longer stay?
A short Schengen stay and a longer stay in Germany are different use cases. Care Visa Protect is positioned for short Schengen stays, while Care Economy and Care Expatriate address different durations and contexts. The policy terms and the actual purpose of stay remain decisive.
Care Visa Protect
Described by the provider for Schengen visas and short stays of up to 92 days.
- ✓Max. 92 days duration
- ✓Coverage limit €50,000
- ✓Described by the provider for visa procedures; the requirements of the competent diplomatic mission are decisive.
- ✓Multiple visa annual option (available in the application)
- ✓24/7 emergency line
- ✓Confirmation usually by email immediately
Care Economy
Described by the provider for stays of up to two years, for example for a visa, the Opportunity Card (Chancenkarte) or family reunification.
- ✓Max. 2 years duration
- ✓Unlimited coverage
- ✓Described by the provider for visa procedures; the requirements of the competent diplomatic mission are decisive.
- ✓ up to €25,000
- ✓
- ✓Confirmation usually by email immediately
Care Expatriate (Comfort)
Described by the provider for self-employed people, expats and people not subject to compulsory social insurance.
- ✓Max. 5 years duration
- ✓Unlimited coverage
- ✓Insurance in up to 60 days/
- ✓Preventive check-ups €250
- ✓
- ✓
Detail comparison
Neutral side-by-side presentation of published plan features. No ranking or product recommendation. Statements about visa procedures reflect the provider’s description; acceptance in each individual case is decided by the competent diplomatic mission.
| Benefit | Care Visa Protect | Care Economy | Care Expatriate (Comfort) |
|---|---|---|---|
| Field of use described by the provider | Described by the provider for Schengen visas and short stays of up to 92 days. | Described by the provider for stays of up to two years, for example for a visa, the Opportunity Card (Chancenkarte) or family reunification. | Described by the provider for self-employed people, expats and people not subject to compulsory social insurance. |
| Max. duration | 92 d. | 2 y. | 5 y. |
| Price from | €0.85/day | €1.00/day | €63.00/mo. |
| Coverage limit | 50.000 € | ∞ | ∞ |
| Described by the provider for visa procedures | ✅ | ✅ | ✅ |
| treatment | ✅ | ✅ | ✅ |
| treatment | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | |
| ✅ | ≤ 25.000 € | ✅ | |
| ❌ | ✅ | ✅ | |
| Preventive check-ups | ❌ | ❌ | 250 € |
| — | : €25 or €0 | : 150 € / 500 € | |
| Multiple visa annual option | ✅ | ❌ | ❌ |
| 24/7 emergency line | ✅ | ✅ | ✅ |
| ❌ | ❌ | ✅ |
Care Economy — premium table
| Duration | up to 64 y. no deductible | up to 64 y. with deductible | 65+ y. no deductible | 65+ y. with deductible |
|---|---|---|---|---|
| up to 90 days | €1.18/day | €1.00/day | €3.48/day | €2.95/day |
| 91–180 days | €1.59/day | €1.35/day | €4.37/day | €3.70/day |
| 181–365 days | €59/mo. | €50/mo. | €149/mo. | €126/mo. |
| 366–730 days | €89/mo. | €75/mo. | €286/mo. | €242/mo. |
Care Visa Protect — premiums
- • up to age 64: €0.85/day
- • from age 65: €2.60/day
- • Multiple visa annual premium (up to 64): €110
- • Multiple visa annual premium (65+): €215
Team Travel
Responsible for: Care Visa Protect · Care Economy
These are the contact details of Care Concept AG. schengen-visa-insurance does not provide any advice.
Team Business
Responsible for: Care Expatriate
These are the contact details of Care Concept AG. schengen-visa-insurance does not provide any advice.
All prices, tariffs and contributions shown on this page are non-binding reference values in Euro (€) and refer to the conditions published by Care Concept AG and DAK-Gesundheit. Changes, adjustments and deviations are possible at any time. Only the current prices, tariffs and terms of the respective insurer at the time the contract is concluded apply.
Further information
- Travel medical insurance requirements for the Schengen visaFor a uniform visa, proof of adequate and valid travel medical insurance is foreseen. The Visa Code names a minimum cover of EUR 30,000 and specific categories of expenses. Whether a particular proof is sufficient is decided by the competent mission.
- Insurance certificate for the embassy or consulateAn insurance certificate documents the scope, period and territorial validity of the cover. The form and details required are determined by the competent mission.
- Multiple-entry visa and proof of insurancePeriod of validity, number of entries and permitted days of stay are three different things. For proof of insurance with a multiple-entry visa, the Visa Code provides a specific rule.