Visum Travel Insurance
When visiting Europe, travelers should be able to handle and financially cover medical services in case of an accident, injury or any other sudden event. To take care of unexpected expenses that arise while traveling, having travel insurance has been proven to help travelers with financial support and comfort to continue their travel journey without worries.
Even though travel health insurance is worth having for all travelers to Europe, not everyone is required to have it. Travel insurance policy is a mandatory requirement only for travelers who need to apply for a Schengen visa. This group of travelers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays, or for other reasons.
International Health Insurance for Private and Short Business Trips
The benefits cover outpatient, inpatient and dental treatment by all licensed physicians worldwide at the normal local fees. The provided insurance cover complies with all the requirements for a Schengen-Visa made by the requirements of Regulation (EC) No 810/2009 of the European Parliament and the Council of the European Union by 07/13/2009. Care Visa Protect international health insurance also covers the host, in particular, against most financial risks of a formal obligation (Verpflichtungserklärung). A combination with Care Protector accident/liability policy reduces the remaining risks from a formal obligation significantly.
How it works
You can take out your international policy directly online and, after your application has been checked and approved, will receive an immediate confirmation per e-mail within a few minutes including all the documents you need for your visa application.
In addition to international health insurance, we also recommend that you take out a “Care Protector” accident and liability policy.
Your advantages with CareConcept
| Health insurance – Affordable health insurance abroad for foreign visitors with a visa |
|
|---|---|
| Benefits* | Care Visa Protect |
| Outpatient treatment by doctors and medical specialists |  |
| In-patient treatment at a hospital | |
| Pain-relieving dental treatment incl. simple fillings and repair of dental prosthesis | |
| Medically prescribed medications, dressings and remedies | |
| transportation costs to the nearest hospital for medical reasons | |
| transport in case of death/burial costs abroad up to EUR 10,000.00 | |
| medically prescribed return up to EUR 10,000.00 | |
| maximum benefit: EUR 50,000.00 per contract. | |
*For a complete list of benefits see the insurance conditions.
How much does it cost?
The premium for the Care Visa Protect international insurance depends on the duration and age. For those between 0 and 64 years old, the total premium for 30 days, for example, amounts to one time €25.50.
| Single premium health insurance | |
|---|---|
| up to 64 years of age | 65 – 74 Years |
| EUR 0.85 / Day | EUR 2.60 / Day |
| Minimum premium per person: €8.50 | |
| Yearly premium health insurance “Multiple Visa” for any number of travels for a maximum period of up to 92 days per insured year |
|
|---|---|
| up to 64 years of age | 65 – 74 Years |
| EUR 110.00 / Year | EUR 215.00 / Year |
Important documents
- Information
- In brief (PDF)
Insurer
HanseMerkur Reiseversicherung AG
Siegfried-Wedells-Platz 1
20354 Hamburg
Schengen visa health insurance – medical cover for foreign visitors in Germany
Whether internship, work & travel or simply vacation – a trip to Germany is a little adventure for everyone. But something can always happen – whether an unexpected stay in hospital or an accident with a rental car. Enjoy your stay and don't worry about paying doctor's bills and other unexpected costs. For up to 5 years, guests from all over the world enjoy comprehensive protection against illness and accidents in Germany as well as when travelling within Europe. Without incoming insurance, even a short visit to the doctor can quickly become an expensive surprise.
How it works
Basically, everyone staying in Germany must have health insurance. People in employment or students who enrol at a public university are generally subject to compulsory insurance in a German health insurance scheme. Anyone not insured in this way must take out insurance cover. In addition, either as a tourist or a “Work & Travel” visitor, you may need travel insurance for a Schengen visa if you wish to visit the country for more than three months. For this, proof of valid travel health insurance is required. With Advigon's incoming insurance, you meet all the legal requirements required to obtain a valid Schengen visa.
With our “Foreign Guests” travel health insurance, you not only comply with the conditions of the Schengen Agreement for your visa application, but are also completely insured in the event of an accident or illness: from out-patient and in-patient treatment to dental care. Advigon policies also cover medications and medical treatments, as well as a medically-advised repatriation to your home country.
Your advantages with Advigon
Thanks to open borders and unprecedented freedom of travel, an extended stay in Germany can nowadays be arranged quite unbureaucratically. While travellers from the Schengen member states and some third countries only have to arrange health cover for a long-term stay in Germany (more than 90 days), non-European visitors also need health insurance for a Schengen visa. You must apply for a Schengen visa if you wish to spend up to 90 days in Germany or another Schengen country. Health insurance for foreign guests protects you from incurring high medical and hospital costs during your stay.
How much does it cost?
The premiums for foreign guests are charged as daily premiums depending on the age reached. The age groups for the Basic and Professional rates are: 0 – 64 and 65 – 74 years. Upon reaching the age of 65.
Depending on the insurance cover, the premiums shown must be paid at the age of 65.
Age: 0-64
Basic: 2,40€/day
Expert: 3,40€/day
Age: 65-74
Basic: 8,60€/day
Expert: 12,70€/day
more details on downloads
Important documents
Downloads
All other details about the “Foreign guests” travel health insurance can be seen in our price overview, the information sheet for insurance products, and the insurance terms and conditions for the Health Insurance for foreign guests.