- Visitors with Schengen visa
- Business travelers / trade fair visitors
- Foreign visitors
- Seasonal workers
- Pupils / language students
- Adult education students
- Exchange students
- Graduate students
- Visiting scientists
- Postdocs / doctoral students
- Scholarship holders
In case you are having trouble deciding which health insurance to pick, just use our Provisit-Quickguide!
The officially approved blocked account for Germany
plus €5.00 / month
Statutory health insurance for
foreigners in Germany
from € 120.34 per month for students
Liability, accident and baggage insurance in combination with Provisit Student or Science
from €6.60 per month
Health Insurance for scholarship holders
from 156,41 € per month
Travel medical insurance for visa application
free of charge
The right health insurance for your stay in Germany
No matter whether you come to Germany as a tourist, student, business traveler or as participant of a work & travel program: You should, and in some cases must, take out sufficient health insurance that meets certain conditions. What exactly those conditions are depends mainly on three things:
- The country you are coming from
- What you want to do in Germany (and for how long)
- Your personal circumstances (e.g. age or marital status)
If you come from a non-European country, you will need a visa in most cases. You must apply for the visa at the embassy in your country. For the application you will need proof of health insurance.
Depending on what you want to do in Germany, you also need this proof. For example, if you want to study in Germany, you will also need to present a health insurance certificate when you enroll at the university.
Our Provisit insurances also offer you protection in case of corona infections if they occur newly and acutely after the start of the contract.
If you are unable to start your stay abroad due to corona virus, it is possible to cancel the insurance or change your travel period before the start of the insurance.
That depends on what you want to do during your stay in Germany. As a rule, the following applies: For shorter stays, e.g. vacation trips or visits to relatives in Germany, a travel health insurance is sufficient. For longer stays for academic purposes, e.g. for studying or working as a visiting scientist, you would rather need a comprehensive health insurance. Our Quickguide can help you with the selection.
If you come from a country that has a social security agreement with Germany (the list of these countries can be found here (german)), chances are good that your home country health insurance will be recognized in Germany without any problems. However, you should check with your health insurance company before your stay in Germany.
There is one problem, however: statutory health insurance companies only pay for treatments and medications for which they would also pay in your home country, according to the cost rates set by law. This means:
1. if you need treatment or medication during your stay in Germany that is more expensive in Germany than in your home country, your health insurance will only pay the amount it has to pay according to the fixed cost rates in your home country. You will have to pay the rest of these costs yourself.
2. if you become ill or injured during your stay in Germany to such an extent that you need to be hospitalized, you may need medical repatriation to your home country. Your health insurance will not pay for this under any circumstances. You would have to pay for it out of your own pocket. Such a return transport can cost tens of thousands of euros.
Therefore we recommend: Even if your home country health insurance is recognized in Germany, it is best to take out additional international health insurance to be on the safe side.
International health insurance or comprehensive health insurance? We have both!
If you want to visit Germany as a tourist or business traveler, we strongly advise you to also take out German health insurance. If you come from a non-European country, you are obliged to do so anyway. But even if you come to us from a European country and bring health insurance with you from your home country, you should take out an international health insurance policy.
Reason: Your health insurance only pays for things it would pay for at home. This does not include, for example, return transport, which may be necessary if you become ill or injured during your stay in Germany.
You would have to pay for that yourself, and it costs a lot of money. Why take this risk when you can avoid it for only 1,10 € per travel day with our Provisit Visum?
The same applies to all our Provisit insurances: We offer you the optimal insurance protection, no matter what the reason for your visit to Germany is. If you are not sure which of our insurances is best for you, just give us a call or write us!