If your relatives or friends are coming to Germany, it’s important to arrange health insurance in advance. For a tourist (Schengen) visa, health insurance is mandatory — without it, a visa or entry permit cannot be issued.
Even if your guest is staying only for a few weeks, a suitable incoming insurance policy ensures access to medical care in Germany and protects against unexpected medical costs during their stay.
Where to Get Health Insurance for Visitors to Germany
Whether your guest is coming for a short visit or planning a long-term stay, the right health insurance policy ensures both safety and compliance with visa requirements.
We’ve compared offers from several insurance providers and selected the best incoming health insurance plans for visitors to Germany.
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Table Title
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The best offer for a visa
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Best offer
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For all ages
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Tariff name
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Care Visa Protect
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Reise-Krankenversicherung Profi
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Incoming-Kranken-Versicherung
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General conditions
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Coverage amount
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50000 €
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Unlimited
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Unlimited
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Eligible persons
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For foreign citizens up to 75 years of age staying in EU countries and Schengen area.
Important! A visa and a passport are required |
For foreign citizens up to 74 years of age staying in Germany, Austria, EU countries, Schengen area, Switzerland, and Liechtenstein.
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For foreign citizens up to 99 years of age staying in any EU country, as well as Iceland, Liechtenstein, Norway, and Switzerland.
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Deductible
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0
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25 € per case
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«0» or 100 € per case
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Maximum duration
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up to 1 year, max. 92 days on trips
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Up to 5 years
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Up to 365 days
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Outpatient treatment
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Preventive care and early cancer detection
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-
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Up to 300 €
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-
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Psychotherapy
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-
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-
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-
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Inpatient treatment
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Hospital accommodation
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Shared room
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Shared room
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Shared room
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Dental treatment
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Dental care
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Analgesic dental treatment
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Up to 1000 €
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Up to 500 €
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Dental prosthetics
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Repair of existing prostheses
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80% up to 2500 € (6-month waiting period)
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Only temporary dental prostheses
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Pregnancy and childbirth
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Examinations and treatment in case of complications, premature birth, miscarriage
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Only if pregnancy occurred during the trip
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Unlimited
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Unlimited
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Routine check-ups and childbirth
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Only if pregnancy occurred during the trip.
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Unlimited, 6-month waiting period
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Only if pregnancy occurred during the trip; up to 5 check-ups and 2 ultrasounds
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Price
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from 0,85 €/day
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from 102 €/month
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from 54,00 €/month
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Why Health Insurance Is Essential for Visitors to Germany
Health insurance is a mandatory requirement for obtaining a visa to Germany or any country in the Schengen area.
The cost of medical treatment in Germany can be very high — even a simple doctor’s visit may cost several hundred euros.
A good incoming insurance policy covers not only medical treatment, but also emergencies, hospitalization, and repatriation.
Having valid insurance provides peace of mind both for your guests and for the hosts in Germany.
Types of Health Insurance for Guests Visiting Germany
1. For Short Visits (up to 90 days)
- The insurance is issued for the exact travel dates.
- It’s suitable for tourist and visitor visas.
- Coverage must be at least €30,000 and valid throughout the Schengen area.
2. For Long-Term Stays (from 90 days to 1 year)
- Special incoming insurance policies for those staying in Germany for a longer period — for example, visiting family or friends.
- Valid from 3 to 12 months.
- Covers outpatient and inpatient treatment, medications, surgeries, and sometimes dental care.
3. For Senior Visitors
- Some insurance providers offer special plans for older guests (e.g., over 65 years of age).
- These include extended coverage and take into account higher health risks.
- Such policies are usually a bit more expensive but provide greater protection and peace of mind.
Summary
If your guest is coming to Germany for a short visit of up to 90 days, a standard Schengen health insurance policy is all that’s required. It ensures compliance with visa rules and provides essential coverage in case of illness or emergency.
For longer stays, it’s better to choose an incoming insurance plan valid for up to one year. These policies offer broader protection and are ideal for visitors who plan to spend several months with family or friends in Germany.
When it comes to senior visitors, some insurers provide special plans with extended coverage that take into account higher health risks. Although slightly more expensive, they offer greater peace of mind and reliable protection throughout the stay.
