provisit visum
Travel health insurance for Schengen visa

1. intentionally caused by the insured person;
2. caused by the insured person as a result of an intentional criminal act or the intentional attempt of committing a criminal act.

• treatments of which it was certain prior to the journey that they would have to take place under normal circumstances, unless the death of a spouse or a first degree relative was the reason for the journey;
• diseases and their consequences as well as consequences of an accident that are the reason for traveling abroad;
• treatments due to employment abroad;
• treatment of mental disorders and illnesses, psychosomatic treatment (e.g. hypnosis, autogenous training) and psychotherapy;
• childbirth, abortion as well as examinations and treatments due to pregnancy;
• costs for the treatment of pre-existing conditions, including chronic diseases, unless there is an acute and unforeseen deterioration in the state of health;
• health damage and death caused by war and unrest. There is, however, insurance coverage if the insured person faces sudden and unexpected war or civil war. Such insurance coverage expires at the end of the 7th day after the outbreak of war or civil war in the country where the insured person stays.
• diseases or accidents based on intent, including suicide, attempted suicide and addiction (e.g. alcohol, drugs, etc.) as well as the consequences of such diseases or accidents and detoxification and withdrawal treatments;
• housing due to need for long-term care or keeping;
• treatment at a health resort and at a sanitarium as well as rehabilitation measures;
• examinations or treatment methods and medicine that are neither scientifically recognized in the respective country of stay nor in the patient’s home country;
• dental treatment that goes beyond treatment for pain relief, repair of dentures and temporary solutions, like new dentures including dental crowns, dental cosmetics and orthodontics;
• medical treatment and other medically prescribed measures where the insured person was aware at the start of the insured stay that they had to take place for medical reasons when the insured stay was scheduled to take place (e.g. dialysis).

You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions.

• damage caused by the use of a motor vehicle is not insured. This includes both personal injury and damage to property;
• damages caused by the exchange, transmission or provision of electronic data.

You will find the detailed terms and conditions in the Liability Insurance Conditions.

• accidents caused directly or indirectly by nuclear power;
• accidents as a result of mental illness or cognitive disorders;
• accidents caused directly or indirectly by foreseeable acts of war.

You will find the detailed terms and conditions in the Accident Insurance Conditions.

Non-Europeans generally need a so-called "Schengen visa" to enter Europe. The Schengen states include Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

In addition, there are countries that do not belong to the Schengen states but have concluded a visa-free agreement with the EU. These are, amongst others, Argentina, Israel, Japan, Canada, the USA and the United Kingdom. Visitors to Germany from these countries therefore do not require a visa.

No, Provisit Visum is suitable for all visitors to Germany, whether they require a visa or not. If your stay in Germany is not expected to last longer than 180 days, we recommend Provisit Visum due to its favorable price and easy online application.

So, with Provisit Visum, guests who do not require a visa can also take out insurance. If the visitor comes from a European country, they are usually a member of the public health insurance scheme in their home country, comparable to the statutory health insurance scheme in Germany. In this case, the insurance cover applies throughout Europe, including Germany.

Why should a foreign guest who already has valid health insurance in Germany take out additional health insurance abroad such as Provisit Visum? Because it is very likely that their home health insurance will not pay for certain things that are very important when you are in a foreign country.

Public health insurance does not pay for everything

You should know: Public health insurance companies generally only pay what they would pay for treatment if you fall ill in your home country. This does not include medical repatriation. If the foreign guest becomes so ill during their stay in Germany that hospital treatment becomes necessary (traffic accident, skiing accident), they must pay for their own transportation back home.

Only very few people can afford this. For this reason, public health insurers also recommend taking out additional travel health insurance when traveling abroad, which covers medical repatriation, among other things. 

Why travel health insurance is important

Another cost risk for the foreign guest can be the different standard rates and benefit catalogs of their home health insurance. This means that the treatment he needs during his stay may be more expensive in Germany than in his home country. In this case, his home insurance will only pay the amount that this treatment would cost in his home country.

It may even be that a treatment is carried out on the instructions of the German doctor that is not even included in the benefits catalog of the home insurance. This often happens with dental treatment, for example. The foreign guest must then also pay for this treatment out of their own pocket.

We therefore recommend that foreign guests take out travel health insurance such as Provisit Visum, regardless of whether they are entering the country with valid health insurance in Germany or not.

No, with Provisit Visum you are insured throughout Europe, more precisely in the Schengen states: Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Stays in Andorra, Monaco, San Marino and Vatican City are also covered. 

In the private health insurance sector, it is common for contracts to be terminable on a monthly basis. This means that if the guest returns home from abroad in the middle of the month, they have to pay for the entire month. This is not a favorable solution for the guest.

Provisit Visum is different in that regard. Here, the foreign guest pays per day, not per month. This is what makes Provisit Visum so affordable. Let's assume the foreign guest wants to visit his family in Germany for 90 days, but for some reason has to leave after 70 days. Whereas with other private health insurers he has to pay the full premium for three months, which is 100%, with Provisit Visum he only pays for 70 days, saving over 22%.

The same applies, of course, if the visit begins later than originally planned. If the date of entry is postponed, the contribution is reduced by the corresponding number of days. Premiums paid in excess will be refunded without additional fees. So if you are looking for affordable private health insurance for foreign guests, Provisit Visum is the ideal solution.

Provisit Visum as a private health insurance is particularly suitable for foreign guests coming to Germany from so-called "third countries". These visitors generally require a visa. In most cases, the foreign guest must submit a declaration of commitment from their host in Germany when applying for a visa.

This means that the host undertakes to cover the costs of living, accommodation and health care for the visitor. For this reason, it is important that the foreign guest has adequate health insurance during their stay in Germany, as the costs that can arise from an illness or accident of the guest are astronomical.

Only very few of us can pay for several weeks of hospital stays, operations and patient transportation out of our own pockets. To ensure that neither guests nor hosts find themselves in this financial predicament, proof of health insurance with sufficient cover is required for the visa.

With the simple online conclusion of Provisit Visum, you can complete this formality quickly. You will receive a confirmation e-mail for submission to the visa authorities immediately after completing the process. This way, you and your foreign guest are on the safe side.

Insurance companies use the term "incoming" to describe insurance policies taken out by people who come to Germany from abroad, or more precisely: by people who have their permanent residence outside Germany. Incoming refers not only to health insurance, but to all types of insurance. So there is also incoming liability insurance, incoming accident insurance, etc.

The European Union stipulates that incoming insurance policies must be valid throughout Europe and not just in a specific country. Provisit Visum as a typical incoming insurance policy is also valid not only in Europe, but in the entire Schengen area. This means that foreign visitors do not have to stay permanently in Germany, but can travel throughout Europe with Provisit Visum.

Provisit Visum is therefore particularly suitable as incoming insurance for trips and stays of up to 180 days and is ideal for holidays, tourists, family visits lasting several weeks, business trips and trade fair visitors.