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Every German policy wording: Health insurance for visitors to Germany

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Key points side by side

Open a tariff for all 70 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Sum insured Schengen visa Residence permit Pre existing conditions Max. duration Purchase after entry
ADAC für Gäste aus dem Ausland Visitor health insuranceTake out ADAC für Gäste aus dem Ausland Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes yes
Allianz Incoming-Krankenversicherung für Ausländer Visitor health insuranceTake out Allianz Incoming-Krankenversicherung für Ausländer Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes yes
Care Concept Care College Visitor health insuranceTake out Care Concept Care College Visitor health insurance not yet checked not yet checked not yet checked not yet checked not yet checked not yet checked
Care Concept Care College Basic Visitor health insuranceTake out Care Concept Care College Basic Visitor health insurance as stated in the policy schedule not addressed not addressed none yes yes
Care Concept Care College Comfort Visitor health insuranceTake out Care Concept Care College Comfort Visitor health insurance as stated in the policy schedule not addressed not addressed none yes yes
Care Concept Care College Premium Visitor health insuranceTake out Care Concept Care College Premium Visitor health insurance as stated in the policy schedule not addressed not addressed none yes yes
Care Concept Care Visa Protect Visitor health insuranceTake out Care Concept Care Visa Protect Visitor health insurance yes, up to EUR 50,000 yes not addressed yes yes no
Europ Assistance Schengen Visitor health insuranceTake out Europ Assistance Schengen Visitor health insurance yes, up to EUR 30,000 yes not addressed yes yes no
Europ Assistance Schengen Plus Visitor health insuranceTake out Europ Assistance Schengen Plus Visitor health insurance yes, up to EUR 60,000 yes not addressed yes yes no
HanseMerkur Gäste ab ein Jahr Basic Visitor health insuranceTake out HanseMerkur Gäste ab ein Jahr Basic Visitor health insurance as stated in the policy schedule not addressed not addressed none yes yes
HanseMerkur Gäste ab ein Jahr Profi Visitor health insuranceTake out HanseMerkur Gäste ab ein Jahr Profi Visitor health insurance as stated in the policy schedule not addressed not addressed none yes yes
HanseMerkur Gäste bis ein Jahr Basic Visitor health insuranceTake out HanseMerkur Gäste bis ein Jahr Basic Visitor health insurance as stated in the policy schedule not addressed not addressed none yes yes
HanseMerkur Gäste bis ein Jahr Profi Visitor health insuranceTake out HanseMerkur Gäste bis ein Jahr Profi Visitor health insurance as stated in the policy schedule not addressed not addressed none yes yes
MAWISTA Science Visitor health insuranceTake out MAWISTA Science Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes not addressed
MAWISTA Student Classic Visitor health insuranceTake out MAWISTA Student Classic Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes not addressed
MAWISTA Student Comfort Visitor health insuranceTake out MAWISTA Student Comfort Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes not addressed
MAWISTA Visum Comfort Visitor health insuranceTake out MAWISTA Visum Comfort Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes yes
TravelSecure Incoming für ausländische Gäste Visitor health insuranceTake out TravelSecure Incoming für ausländische Gäste Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes yes
Union Krankenversicherung GesundheitGLOBAL Incoming Visitor health insuranceTake out Union Krankenversicherung GesundheitGLOBAL Incoming Visitor health insurance as stated in the policy schedule not addressed not addressed not addressed yes not addressed
Würzburger ReisePolice VISUM Visitor health insuranceTake out Würzburger ReisePolice VISUM Visitor health insurance as stated in the policy schedule not addressed not addressed yes yes yes

Evaluated by NAMMERT from published policy wordings.

Despite care, a value may be misread;

legally only the wording of your own contract in the edition stated there applies.

Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 70 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Dr. Walter
  • ERGO Reiseversicherung
  • Allianz Travel
  • AXA

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

JSON CSV (Excel)

Updated