Care Visa Protect
Medical insurance
for your Schengen visit.
For international visitors travelling on a visa. Covers eligible short stays in Germany and other covered European countries, including holidays, family visits and business trips.
- Daily premium from €0.85
- Maximum single trip 92days
- Total benefit limit per policy €50,000
€0.85 per day applies to ages 0–64. Minimum premium: €8.50 per person. Apply before entering the covered area. Applicants must be under 75. Benefits, limits and exclusions are set out in the policy terms.
Choose cover for one trip or a year of visits.
These premiums are for medical insurance. Optional accident, liability and other cover costs extra.
| Age | Single trip | Annual multiple-entry plan |
|---|---|---|
| 0–64 | €0.85 per day | €110 per insurance year |
| 65–74 | €2.60 per day | €215 per insurance year |
On smaller screens, swipe to see the full table. The minimum premium is €8.50 per person. The final premium is shown during the application and confirmed in your insurance documents.
The Multiple Visa plan covers up to 92 days in total within one insurance year. This limit applies across all trips combined, rather than separately to each trip.
Example: for a single trip of 30 days, the medical premium is €25.50 for ages 0–64 or €78.00 for ages 65–74.
For short visits on a visa.
Applicants must meet the requirements for international visitors, including visa status, age and a temporary stay. Apply before entering the covered area.
Visiting family and friends
For parents, relatives and friends coming to Germany for a visit. Check each traveller’s age, travel dates and health circumstances before applying.
Holidays in Germany and the Schengen area
Choose a single-trip plan for one holiday, or an annual plan for several visits, based on your travel dates.
Short business trips
For meetings, trade fairs and business visits. If you will be taking up employment or working in a specialised occupation, check your eligibility first.
Short-term travel insurance should not be treated as health insurance for university enrolment or long-term residence. If you need temporary cover before your student or statutory health insurance begins, check that the dates and cover meet the requirements for your situation.
Medical cover during your trip.
The total benefit limit is €50,000 per policy. There is no general medical deductible. Individual benefit limits, reimbursement rules and exclusions still apply.
| Benefit | Summary |
|---|---|
| Outpatient treatment | Medically necessary treatment for acute illness or injuries following an accident, subject to the policy terms. |
| Hospital treatment and surgery | Necessary inpatient treatment and surgery covered by the policy. Accommodation is in a standard shared ward; elective upgrades are not included. |
| Medication and dressings | Prescribed medication, dressings and specified treatment costs, subject to the policy terms. |
| Emergency dental treatment | Pain-relieving dental treatment, simple fillings and repairs to existing dentures, up to €300 in total during the policy period. This benefit does not include new dentures. |
| Specified therapies | Prescribed massage, medical packs and inhalation therapy, up to €300 in total during the policy period. |
| Medical transport and repatriation | Transport for medical treatment covered by the policy, and medically reasonable repatriation arranged by a doctor. |
| Pregnancy-related treatment | Cover depends in part on whether the pregnancy began before the trip or the start of cover. Acute complications and other circumstances are assessed under the policy terms. |
| Return of remains or burial abroad | Eligible costs up to €10,000, subject to the policy terms. |
| Unable to return as planned | If illness makes you medically unfit for transport home, cover may continue under the policy terms until you are fit to travel, for up to one month. This does not cover an ordinary extension of your holiday. |
Eligible medical treatment following an accident is assessed under the medical policy. Payments for permanent disability or accidental death, and cover for liability to other people, are separate benefits and require additional cover.
Four things to check before applying.
Apply before entering the covered area
You cannot take out a new policy through this product’s application process once you have entered the covered area. Cover cannot be backdated.
You must be under 75
A different premium applies from age 65. If you will turn 75 during your trip, check the permitted policy duration and the date your cover must end.
Restrictions apply to existing conditions
Existing or known medical conditions, their consequences, and trips arranged to receive treatment may fall within the policy exclusions. Read the terms before applying.
Insurance does not determine how long you may stay
A 92-day insurance policy does not give you permission to stay for 92 days. Your permitted stay depends on your visa and the applicable entry rules. Cover should match your full itinerary, and an insurance certificate does not guarantee visa approval.
The covered area includes Germany, Austria, EU countries, Switzerland, Liechtenstein and Schengen countries, as defined in the contract. Check the specific restrictions for stays in your country of nationality or usual residence.
How to apply.
Complete the online application in English. Chinese-language support is available if you need help with the form.
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Gather your details
Have your name as shown in your passport, date of birth, usual place of residence and travel dates ready.
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Choose your plan
Select single-trip or annual multiple-entry cover, then check the duration and premium.
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Submit your application and pay
Enter the required information and follow the instructions for your chosen payment method.
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Check your insurance documents
Review your name, covered area and insurance dates in the German and English documents.
Document issue times depend on application processing and payment confirmation. Check your inbox and spam folder, and allow enough time before your visa appointment.
Frequently asked questions.
When to buy, how the annual plan works, and what the policy covers.
When should I buy? Can I apply after arriving in Germany?
Arrange your insurance when preparing your visa application or travel plans. You must apply before entering the covered area. You cannot take out a new Care Visa Protect policy after arrival.
Does one day of cover cost just €0.85?
No. The minimum premium is €8.50 per insured person. For single trips, multiply the daily rate for your age group by the number of days. If the result is below €8.50, the minimum premium applies.
Can the annual plan cover a full year in Germany?
The annual plan does not provide continuous medical cover for a full year. It covers a maximum of 92 days in total across all trips within one insurance year. Keep a record of your travel dates in case you are asked to provide evidence.
Is the €50,000 limit available for each medical claim?
No. €50,000 is the total benefit limit for the entire policy. It does not reset for each medical appointment, accident or visit. Some benefits have lower limits.
Does it cover treatment for existing conditions such as diabetes?
Being eligible to apply does not mean that treatment for an existing condition is covered. Exclusions apply to examinations, treatment and consequences of pre-existing conditions. This product should not be used as cover for routine management of a chronic illness. Check the policy terms for your circumstances.
Can I cancel if my visa is refused or I do not travel?
Contact the insurer promptly to request cancellation and provide any documents they require. Different rules may apply to cancellation before cover starts, an early return home and other circumstances. Any refund depends on the contract and the insurer’s confirmation.
Will my cover extend automatically if I stay longer?
No. If you need more time, contact the insurer before your current policy expires. The terms allow a separate extension contract within the 92-day maximum, subject to conditions and the insurer’s express agreement. Paying an additional premium alone does not confirm that your cover has been extended.
What language are the documents in? Can I use them for a Schengen visa?
The official insurance documents are available in German and English. The product is designed for Schengen visa medical insurance requirements. Before submitting your documents, check your name, travel dates, covered area and the requirements of the relevant embassy or consulate. An insurance certificate does not guarantee visa approval.
Are liability cover and accident disability benefits included?
The premiums on this page are for medical insurance. Medical treatment after an accident is different from a payment for permanent disability or accidental death. Personal liability and accident insurance packages must be selected separately and cost extra.
Policy documents and product information.
This page provides a product summary. Your insurance policy, applicable terms and any written special agreements determine your actual cover.
Need help choosing a plan?
Tell us the traveller’s age, travel dates and whether you are planning one trip or several visits. We can help you with the application in Chinese.
Email
[email protected]