Health Insurance for the Schengen Visa

Anyone who applies for a visa for Germany needs travel health insurance

You must provide proof of travel health insurance to apply for a Schengen visa to enter Germany. The Schengen visa will only be issued if the travel health insurance meets specific requirements.

The Schengen Visa Code sets out the requirements for travel health insurance. The travel health insurance must cover at least 30,000 euros. It needs to cover the cost of repatriation in case of illness or death, and the cost of emergency medical assistance and emergency hospitalization during the stay. In addition to the monetary amount covered, the geographical area and time period covered also play a role. The travel health insurance should be valid for the entire Schengen area and the planned duration of the stay.

Take out health insurance for the visa online

Here you can calculate the cost of travel protection for foreign guests and apply directly for travel insurance. The process takes place online at HanseMerkur Krankenversicherung. You will receive an immediate confirmation.

Take out guest insurance

For trips for the purpose of participating in sporting events or medical treatment, stricter rules apply to travel health insurance. Applicants are required to inform their insurance provider of their plans and pay any potential additional costs.

The health insurance company must have an office located in the Schengen area or a cooperation agreement with an insurance company from a Schengen country.

When applying for a Schengen visa, the applicant must provide proof of insurance coverage. The applicant is exempt from this obligation in certain cases. This exemption applies to applicants who are assumed to have adequate insurance coverage due to their professional situation. Also, spouses and family members of EU citizens are not required to provide proof of health insurance coverage.

If you are not within one of these exceptions, it is advisable to pay attention to possible requirements when taking out travel health insurance. Some travel health insurance policies have lower coverage if you are over a certain age or do not meet certain health requirements. Also, travel health insurance with a deductible is accepted as sufficient insurance coverage only if the applicant is able to pay the deductible in the case of an emergency.