Travel health insurance for foreigners in Germany
If you want to get to know Germany as a holiday destination or work for a while in the Federal Republic, then you need a health insurance policy for foreign guests. This special travel health policy is a prerequisite for obtaining a Schengen visa (more information can be obtained from the German Foreign Office) and entering Germany, for example, as a non-EU citizen. Here's how to get the best insurance with Advigon at a low daily rate.
Information regarding the coronavirus pandemic
Due to the current situation, you cannot take out Incoming Insurance for Foreign Guests for your holiday or visit to Germany or the Schengen area if you have not yet entered the country. It is only possible to take out insurance for stays related to work or education.
Health insurance is mandatory for anyone staying in Germany. Everyone is required to take out individual insurance for a Schengen visa unless they are legally obliged to be compulsorily insured in the statutory health insurance scheme through their employer or because they are enrolled as a full-time student. Conventional travel health insurance which the visitor takes out in their home country – for example for a fortnight’s holiday abroad – is often inadequate to ensure satisfactory insurance coverage in this country.
Advigon health insurance for foreign visitors is the right choice if you, as a tourist or a longer term resident, want insurance cover that protects you from the high costs of illness or accidents in Germany. Expensive services such as repatriation to your home country, which might be unaffordable for an individual, can be covered by Advigon’s policies. Our "Foreign Guests" tariff is designed to meet every single requirement of a Schengen visa application.
And the best thing? Not only do you enjoy first-class insurance cover in Germany, but you are also covered if you stay temporarily in another EU country. This also applies to Andorra, Monaco, San Marino, Vatican City and other countries that currently only partially apply the Schengen rules.
Advigon’s “Foreign Guests” tariff is a must for all travellers who are looking to stay in Germany for a longer time either as a tourist or worker. This applies to everyone from temporary seasonal workers from abroad to expatriates who work in Germany as employees of an international company for a few months, or even a few years. Clients for our incoming travel insurance also include freelancers and long-term tourists. If you want to apply for a Schengen visa, health insurance for foreign visitors is one of the basic requirements for a longer stay in Germany. Trust Advigon’s policy and benefit from a wide range of services at attractive premiums.
If you are planning a visit to Germany, our health insurance offers up to five years of premium insurance cover – starting at 2.40 € per day. You can choose from two different packages.
Foreign guests Basic
Foreign guests Profi
Costs for out-patient treatment
Foreign guests Basic
Foreign guests Profi
Prescribed medications and surgical dressings
Foreign guests Basic
Foreign guests Profi
Costs for radiation therapy, light therapy, and other physical treatments
Foreign guests Basic
Foreign guests Profi
Prescribed therapeutic aids following an accident
Foreign guests Basic
500 € / year
Foreign guests Profi
Prescribed massages, medicinal compresses and inhalations
Foreign guests Basic
300 € / year
Foreign guests Profi
Prescribed aids (not accident-related)
Foreign guests Basic
not insured
Foreign guests Profi
500 € / year
Visual aids
Foreign guests Basic
not insured
Foreign guests Profi
200 € / year
Screening check-ups for early detection of cancers
Foreign guests Basic
not insured
Foreign guests Profi
300 € / year
Screening check-ups for children in accordance with the statutory programmes introduced in Germany
Foreign guests Basic
not insured
Foreign guests Profi
Costs for in-patient medical treatment under general care insurance
Foreign guests Basic
Foreign guests Profi
Operations
Foreign guests Basic
Foreign guests Profi
Ambulance transport to in-patient treatment
Foreign guests Basic
Foreign guests Profi
Dental treatment for pain relief
Foreign guests Basic
500 € / year
Foreign guests Profi
1.000 € / year
Dental check-ups
Foreign guests Basic
not insured
Foreign guests Profi
200 € / year
Up to 80 % of the cost for medically required dentures
Foreign guests Basic
not insured
Foreign guests Profi
1.250 € / year
Pregnancy treatment due to complaints
Foreign guests Basic
Foreign guests Profi
Pregnancy examinations and deliveries
Foreign guests Basic
not insured
Foreign guests Profi
Repatriation, if medically desirable
Foreign guests Basic
Foreign guests Profi
Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany
Foreign guests Basic
10.000 €
Foreign guests Profi
10.000 €
Follow-up liability until restoration of ability to travel for up to
Foreign guests Basic
3 months
Foreign guests Profi
3 months
Deductible per insured event
Foreign guests Basic
25 €
Foreign guests Profi
25 €
0 - 64 years
Foreign guests Basic
2,40 €
Foreign guests Profi
3,40 €
65 - 74 years
Foreign guests Basic
8,60 €
Foreign guests Profi
12, 70 €
Maximum flexibility with Advigon's visa health insurance
No matter whether you opt for “Foreign Guests Basic" or "Foreign Guests Professional", your insurance protection provides maximum flexibility. You can easily cancel your policy if you want to or have to end your stay in Germany prematurely. On the other hand, the insurance period can be extended by a follow-up contract if you want to extend your visit to the Federal Republic. This can continue until the maximum 5 year limit has been reached. During a longer stay in Germany, would you like to visit your home country to see your loved ones? No problem, because for policies with a term of at least twelve months, insurance cover is also available for travel to your home country – for up to six weeks per insurance year.
And if you need to make a claim in the event of an accident or illness, you always have an experienced contact person available on the worldwide Emergency Assistance Line – 24 hours a day, seven days a week.
Advigon's visa health insurance "Young Travel" – for students, au pairs and interns
If you are under 35 years old and visiting Germany as an au pair, school pupil, student, scholarship holder, doctoral candidate or as a participant in a "Work & Travel" programme, then Advigon offers particularly inexpensive health insurance for young foreign visitors with the "Young Travel" policy.
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.
You will find the answers to the most commonly asked questions about our "Foreign guests" travel health insurance here.
Our travel health insurance for foreign guests is suitable for everyone staying in Germany for a longer period. The policyholder may stay abroad only temporarily, must be under 75 years of age and may not be subject to the statutory health insurance obligation in Germany.
The insurance is also suitable for German nationals who have been living abroad (permanent residence) for at least two years.
If the insurance cover applied for exceeds 12 months, the insurance cover in the home country is limited to six weeks a year. Beyond that, travel in the home country* is not insured.
*Home country as defined in this condition means your permanent residence before your temporary stay in Germany.
For trips to the USA or Canada, this insurance cover is limited to 14 days per trip.
There is a deductible of 25 euros per insured event.
You can take out the travel health insurance at any time.
If you end your stay in Germany early, you can terminate the insurance. In this case, it is important that you keep your air tickets and other evidence of the premature end to the trip.
If you wish to extend your stay in Germany, you can at any time continue our insurance with an extension contract. Please note that the total period of stay in Germany is limited to five years.
Thank you for your interest in Advigon products. Would you like a competent consultation or an offer? Then please fill out the following form. Our employees look forward to hearing from you and will contact you as soon as possible.