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Chancenkarte (Germany Opportunity Card): Your 2025 Guide

Today, we’ll show you how dozens of international job seekers secured a **Chancenkarte** (Germany’s opportunity card) in under 90 days.

Many of our clients were approved even though they:

- Lived **outside the Schengen Area**
- Had **unrecognized degrees or training** in Germany
- Weren’t initially eligible for **public or private German health insurance**

This guide is for you if you're a **skilled worker**, **recent graduate**, or **career changer** from outside the EU who wants to live and work in Germany (even if you don’t yet have a job offer)*.*

We’ll walk you through each step of the process:

1. Understand the Chancenkarte system
2. Compare it to other visa options
3. Calculate your eligibility points
4. Get your qualifications recognized
5. Secure a visa-compliant health insurance
6. Show financial stability
7. Prepare and submit your application
8. Settle in Germany and start your job search

By the end, you’ll know exactly how to build a strong Chancenkarte application.

Let’s get started.

## What is the Chancenkarte?

The **Chancenkarte (opportunity card)** is a new German visa that lets skilled non-EU workers move to Germany for up to **12 months to find a job**, **even without a job offer upfront**.

It’s great for:

- Skilled **non-EU professionals**
- People with **recognized qualifications** (vocational or academic)
- Applicants who want to **job hunt in Germany** before committing to a company

To qualify, you need:

1. A recognized degree or vocational qualification
2. Either:
    - A **job offer**, **or**
    - Enough **points** on a selection system (we’ll explain below)
3. **Proof you can support yourself** (either savings or a part-time job in Germany)

## Alternatives to the Chancenkarte in Germany

The Chancenkarte is a flexible way to enter Germany without a job offer, but it’s not your only option. Depending on your education, work experience, and whether you already have a job lined up, other visas might suit you better.

You may want to consider other visa options if you:

- Don’t meet the required points
- Already have a job offer
- Are just starting your career (without a degree)

Here are the best opportunity card alternatives at a glance:

| **Visa type** | **Job offer required?** | **Who it's for** | **Can you work while searching?** | **Converts to work permit?** | **Notes** |
| --- | --- | --- | --- | --- | --- |
| Chancenkarte | ❌ | Degree holders with points | ✅ Part-time allowed | ✅ | Points-based. Good for flexibility. |
| Job seeker visa | ❌ | Graduates with recognized degrees | ❌ | ✅ | Faster if you meet academic criteria. |
| [EU Blue Card](https://feather-insurance.com/blog/blue-card-germany-guide) | ✅ | High-paid professionals (IT, engineering, etc.) | ✅ (employed) | ✅ | Salary must exceed ~€48,300/year. |
| Skilled worker visa | ✅ | Vocationally trained professionals | ✅ (employed) | ✅ | For trades like electricians, caregivers, mechanics. |
| Vocational training visa | ✅ (training offer) | Young people starting vocational training | ✅ (during training) | ✅ | Combines work + study; good for early-career and non-degree paths. |

## Who is eligible for the German opportunity card?

To qualify for the Chancenkarte, applicants must meet **four core requirements**:

1. Be a **non-EU citizen**.
2. Hold a **professional qualification** recognized in your home country. Either an academic degree or vocational training (more on this in the next section).
3. Have **sufficient funds or a part-time job offer** (up to 20 hours per week) to support yourself during your stay.
4. **Score at least 6 points** based on personal and professional criteria.

If you meet all four, you’re eligible and can apply even without a job offer.

Note: For IT professionals, three years of practical experience are equivalent to a recognized qualification.

### How the Chancenkarte points system works

Points are awarded based on several categories. Here are all the ways you can earn points:

| **Criteria** | **Points** |
| --- | --- |
| **Degree or training *fully* recognized in Germany** | 6 |
| **Degree or training *partially* recognized in Germany** | 4 |
| [**Shortage occupation**](https://www.make-it-in-germany.com/fileadmin/1_Rebrush_2022/a_Fachkraefte/PDF-Dateien/3_Visum_u_Aufenthalt/2024_Mangelberufe_EN.pdf) | 1 |
| **Work experience (2 of the past 5 years)** | 2 |
| **Work experience (5 of the past 7 years)** | 3 |
| **German language skills**: A1 / A2 / B2+ | 1 / 2 / 3 |
| **English at C1 level or native speaker** | 1 |
| **Lived in Germany 6+ months** | 1 |
| **Partner/spouse is eligible** | 1 |
| **Age: under 35 / 35–40** | 2 / 1 |

**You need at least 6 points total** to qualify. You can combine different elements to reach this threshold.

The [Make it in Germany Chancenkarte tool](https://www.make-it-in-germany.com/en/visa-residence/opportunity-card/self-check-opportunity-card) provides a reliable estimate. If you’re in doubt, this is the best way to learn if you’re eligible.

## Step 1: Show that you meet the skill requirements

Before you can apply for the Chancenkarte, you need to demonstrate that you meet the Chancenkarte standards.

This means proving that your **degree or vocational training is recognized in your country of origin.** Bonus points (between 4 and 6) if it’s equivalent to a German qualification.

If the German government recognizes your degree only partially or not at all, don’t worry. You can still qualify by earning points through other criteria like work experience, language skills, or ties to Germany (see the table above).

Let’s walk through how recognition works and what to do in different scenarios.

### How to check if your degree or training is recognized in Germany

Germany uses two main tools to assess foreign **educational credentials**:

1. **Anabin database (for academic degrees)**

Anabin is the official database used to verify whether your **university** and **degree type** are recognized.

- **Step 1**: Use the “Institutions” search to check if your university is listed as **H+**. That means it’s recognized.
- **Step 2**: Use the “Degrees” search to confirm if your degree matches a German equivalent.

If both your institution and degree type are marked positively, your qualification is *fully recognized*.

This earns you **6 points** automatically under the Chancenkarte points system.

If you degree comes from a recognized institution (H+), but your specific degree title does not have a direct German equivalent, or is listed as only **“vergleichbar”**, your qualification is *partially recognized*.

This earns you **4 points** automatically under the Chancenkarte points system.

Check the [Anabin database here](http://anabin.kmk.org/).

1. **ZAB statement of comparability**

If your degree isn’t listed in Anabin (or the listing is unclear) you can request a formal **Statement of Comparability** from the **Zentralstelle für ausländisches Bildungswesen (ZAB)**.

This is an official, personalized document that evaluates whether your foreign degree is **equivalent** to a German one.

- **Cost**: Around €200
- **Processing time**: 2–3 months
- **Outcome**:
    - If your degree is found to be **fully equivalent**, you receive **6 points** (same as full anabin recognition).
    - If it's only **partially comparable**, you receive **4 points**.

Register via the [KMK ZAB Portal](https://zab.kmk.org/en/login).

### For vocational training and skilled trades: BQFG recognition

You don’t need a university degree to apply. **Vocational training** is equally valid under the Chancenkarte system, as long as it meets certain conditions.

To qualify through this path:

- Your training must last **at least 2 years**.
- You need **relevant work experience** (typically 2+ years).
- Your training must be recognized in your home country.

This path is often used by skilled tradespeople, caregivers, and workers in logistics or manufacturing.

If you want to **score points** thanks to your training, it must be **formally recognized** by a German authority like the [Chamber of Crafts](https://www.make-it-in-germany.com/en/service/glossary/glossar/do/show/chamber-of-crafts) or equivalent. Recognition is managed under the **BQFG** (Federal Recognition Act). You can start the recognition process [here](https://www.anerkennung-in-deutschland.de/html/en/pro/recognition-procedure.php).

If it’s fully recognized, you’ll score 6 points, and if it’s partially recognized, you’ll score 4.

## Step 2: Get health insurance coverage

Health insurance is a legal requirement for all visa applicants in Germany—including those applying for the Chancenkarte. However, this step is more complex than it seems.

To meet the visa requirements, you need a policy that is **recognized under German law**. But here’s the catch: most people can't get approved for standard public or private health insurance *before* they have a job in Germany.

Let’s take a look at the details:

### What counts as valid insurance for a German visa?

There are four main categories of insurance you’ll hear about:

| **Type of insurance** | **Meets visa requirements?** | **Notes** |
| --- | --- | --- |
| [German public insurance](https://feather-insurance.com/health-insurance/public) | ✅ Yes | Only available **after** you secure employment or start working. |
| [German private insurance](https://feather-insurance.com/health-insurance/private) | ✅ Yes | Only available **after** you secure employment or start working. |
| [Travel insurance](https://feather-insurance.com/travel-insurance) | ❌ No | Often rejected. Doesn’t meet long-term care and coverage standards. |
| [Expat health insurance](https://feather-insurance.com/health-insurance/expat) | ✅ Yes | Specifically designed to bridge the gap before you get a job. |

### The health insurance problem

This is where many applicants get stuck:

1. The consulate requires proof of valid German health insurance.
2. But German insurers typically won’t issue full coverage without a job offer.
3. Applicants buy travel insurance instead, but it gets rejected.

This paradox creates a frustrating situation where **no available option seems to satisfy the consulate**, unless you know which insurers offer visa-compliant coverage.

### Feather’s visa-compliant insurance

Feather offers a digital health insurance plan built to solve this issue. Here’s what makes it consulate-ready:

- ✅ **Confirmation of coverage letter** (accepted by German consulates)
- ✅ **Certificate of Authority (Anlage 6)**
- ✅ **Personalised letter for the embassy** (upon request)
- ✅ **Meets long-term coverage criteria**
- ✅ **Digital transition** to public/private insurance once you secure a job

This plan is widely accepted in embassies and consulates worldwide, **except for some occasional issues at the Mumbai consulate**. If you're applying there, double-check current requirements with the consulate or request written confirmation before your appointment.

## Step 3: Prove financial stability

To receive a Chancenkarte, you must demonstrate that you can support yourself financially during your job search in Germany, without relying on public funds.

### How much money do you need?

In 2025, the **minimum monthly requirement is €1,091**. For a full year (the maximum length of a Chancenkarte), that means you must show access to:

**€1,091 × 12 months = €13,092**

Accepted forms of financial proof include:

- **Blocked account** (Sperrkonto): Most common option. Must cover the full amount, held in a German-approved bank.
- **Remote work income**: Accepted if you can prove ongoing contracts and stable income. Requires bank statements and payslips.
- **Formal obligation letter** (Verpflichtungserklärung): A German resident guarantees your expenses. Must be notarized and submitted by the sponsor.
- **Part-time employment:** Secure a job of up to 20 hours per week and attach the work contract to your application.

## Step 4: Prepare your application

Once you’ve confirmed eligibility, arranged your insurance, and secured financial proof, it’s time to prepare your Chancenkarte application.

German authorities **only accept documents in German or English**. Anything in another language must be professionally translated.

Here’s what you’ll need for your Chancenkarte application:

| **Document** | **Notes** |
| --- | --- |
| **Valid passport** | Must be valid for at least the next 12 months. |
| **Current CV** | Include your full education and work history in reverse-chronological order. |
| **Letter of motivation** | Explain your goals, target job/sector, preferred city, integration plans, and why Germany. |
| **Degree or diploma** | Must be recognized in your home country. It should also be submitted for evaluation by the relevant authorities. |
| **Proof of recognition** | From Anabin, ZAB, or BQFG. |
| **Language certificates** | Must clearly display your language level. |
| **Proof of financial stability** | Either a blocked account, remote income proof, part-time contract, or formal obligation letter. |
| **Health insurance certificate** | Must meet German legal standards; travel insurance will be rejected. |
| **Proof of accommodation** | Especially useful if staying longer than a few months. |
| **Passport-sized photos** | Follow biometric photo guidelines. |
| **VIDEX application form** | Fill out digitally: [VIDEX form](https://videx.diplo.de/videx/visum-erfassung/videx-langfristiger-aufenthalt) |
| **Additional declaration** | Print, sign, and attach [this PDF form](https://accra.diplo.de/resource/blob/2613076/fa4535f10e85dda6f2d4249a8792cfb9/pflichtbelehrung-fz2-data.pdf). |
| **Optional: Job search proof** | Apply to jobs, contact recruiters, and print confirmations or messages as proof. |
| **Optional: proof of accommodation** | A temporary housing booking or rental contract can improve your case. |
| **If educated in West Africa** | Include both BECE and WASSCE results, certified and translated. |
| **If you live in Ghana but don’t hold a Ghanaian, Liberian, or Sierra Leonean passport.** | Proof of legal residence |

## Step 5: Submit your application

In most cases, you must apply for the Chancenkarte through a **German consulate or embassy in your home country**. Applications **cannot** be submitted online or by mail.

Here are the steps to submit your opportunity card application:

1. Visit your nearest **German embassy or consulate’s website**. Use this [world map](https://www.make-it-in-germany.com/en/service/advisory-contact-services/worldwide) to find the nearest consulate and [this tool](https://digital.diplo.de/chancenkarte) to determine if online applications are possible.
2. Look for the **“National Visa”** or **“Long-Term Stay”** section.
3. Book a visa appointment under the **Skilled Workers / Chancenkarte** category.
4. Prepare printed and digital copies of all required documents.
5. Attend your appointment with your complete application file.
6. Pay the application fee (typically in local currency).

You can expect to pay the equivalent of €75, and 4 to 12 weeks application processing time.

## Step 6: Moving to Germany

Once your Chancenkarte is approved and you arrive in Germany, there are a few essential steps you must take to get settled legally and begin your job search.

Here’s a checklist of what to do in your first 2–4 weeks:

1. **Register your address (Anmeldung)**: Within 14 days of moving into your new home, register at the local resident’s office (Bürgeramt). This provides you with a registration certificate, which is often required for banking, taxes, contracts, and other purposes.
2. **Open a bank account:** You’ll need a local account for salary, rent, and insurance. Choose from traditional banks (e.g., Sparkasse) or digital ones like N26.
3. **Obtain your tax ID (Steuer-ID):** After Anmeldung, your tax ID will arrive by post within 2–3 weeks. It’s needed for any employment or freelance work. If it doesn’t come, ask your local tax office.
4. **Job hunt:** With the Chancenkarte, you can stay up to 12 months to find a job. You’re allowed to work up to 20 hours per week, do trial jobs for 2 weeks, and attend interviews and job fairs.
5. **Visa extension or switch:** You can extend your Chancenkarte up to 2 more years or switch to another visa once employed.

## Conclusion

The Chancenkarte is a game-changing opportunity for skilled non-EU professionals who want to work and live in Germany, without the usual barrier of needing a job offer in advance.

But while the Chancenkarte offers more access than traditional visas, success depends on careful preparation. Two of the most important (and time-sensitive) steps are:

- **Securing visa-compliant health insurance** early is essential, as standard travel policies are often not accepted by many consulates.
- **Getting your degree or vocational training recognized**, whether through Anabin or a Statement of Comparability from ZAB.

Starting these processes as soon as possible helps you avoid delays and puts you in a stronger position when it’s time to submit your application.

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How to Get an Internship Visa for Germany: Step-by-Step Guide

Germany is one of Europe’s top destinations for international students and young professionals looking to gain valuable work experience through internships. 


Whether you’ve already secured an internship or plan to search for one once you arrive, the internship visa for Germany offers the opportunity to legally live and work in the country for a limited time.


In this step\-by\-step guide, we’ll explain:


- Who is eligible for an internship visa and when you need one
- The documents you’ll need to apply, including internship confirmation and visa\-compliant health insurance
- Where and how to submit your application through a German embassy or consulate
- Typical visa processing times, fees and helpful tips to avoid common mistakes
- What to do after arrival, including registering your address and opening a bank account


## What is the Germany internship visa?


The internship visa for Germany is a temporary residence permit that allows non\-EU citizens to complete an internship with a German company or organisation – this applies to both paid and unpaid arrangements. 


It’s commonly used by university students, recent graduates and young professionals who need practical work experience either as part of their studies or to boost their career.


Unlike a tourist visa or a [schengen visa](https://feather-insurance.com/blog/germany-schengen-visa-explained), an internship visa specifically allows you to work in Germany during your internship period. If your internship is longer than 90 days or if you are not from a visa\-exempt country, this visa is essential.


## Who needs an internship visa for Germany?


You will need an internship visa if:


- You are a non\-EU citizen
- Your internship will last longer than 90 days
- Your home country does not have a visa exemption agreement with Germany.


Even [if you are from a visa\-exempt country](https://www.auswaertiges-amt.de/en/visa-service/231148-231148) like the USA, Canada or Australia, you will need to apply for a residence permit in Germany if your internship exceeds 90 days. 


To avoid delays and confusion, many applicants prefer to secure the visa before travelling.


Approval from the [Federal Employment Agency](https://www.arbeitsagentur.de/en) (Bundesagentur für Arbeit) is also typically required to make sure that your internship meets labour standards and local regulations. This is usually obtained by submitting a formal application through your employer or internship provider, who must provide details about the internship conditions, your role and your qualifications. The Agency then reviews whether the internship complies with employment and immigration rules before granting your approval.


## Internship visa requirements: what documents you’ll need


When applying for a German internship visa, you must provide several key documents that respect [Germany’s visa requirements](https://feather-insurance.com/blog/germany-visa-requirements/). Each of these plays an important role in proving your eligibility and securing your visa.


### Valid passport


You will need a passport that remains valid for at least three months beyond your intended stay in Germany, and that has space for at least two blank pages for visa stamps.


If your passport is set to expire soon, it’s best to renew it before beginning your visa application to avoid any processing issues.


### Internship agreement or confirmation letter


Your future German employer must provide a signed internship contract or a formal letter confirming the internship offer. This document should clearly state:


- The start and end dates of the internship
- The internship role and responsibilities
- The working hours and, if applicable, the monthly salary.


Without this letter, your visa application cannot proceed.


### Federal employment agency approval


Most internships for non\-EU citizens require pre\-approval from the Federal Employment Agency (Bundesagentur für Arbeit). This step ensures your internship complies with German labour law and offers appropriate training opportunities.


If you have secured employment, your employer in Germany will usually apply for this approval on your behalf. Make sure you receive a copy of the approval letter to include in your visa application.


### Proof of financial resources


You must demonstrate that you have enough financial means to support yourself while living in Germany: at least [€992 gross per month](https://uk.diplo.de/uk-en/02/2449400-2449400).


You can prove this through:


- A [blocked bank account](https://www.auswaertiges-amt.de/en/sperrkonto-388600) with sufficient funds
- A formal sponsorship letter from someone willing to cover your cost
- A scholarship letter, if applicable


Opening a blocked account is one of the most common methods. Providers like [Deutsche Bank](https://www.deutsche-bank.de/ms/pc/home.html) offer this service specifically for international students and interns.


### Proof of visa\-compliant health insurance


Health insurance is a mandatory requirement for your visa to be approved.


For internship visa applications, you will need to provide proof of valid health insurance that meets German standards – travel insurance is not sufficient for D visa applications. Comprehensive [expat health insurance](https://feather-insurance.com/health-insurance/expat) is the best way to be covered from day one in Germany.


Make sure your insurance covers:


- Outpatient and inpatient care
- Emergency medical services
- Repatriation costs (if required by the embassy)


### Completed visa application form


You will need to submit the national visa application form (available on your local [German embassy or consulate website](https://www.auswaertiges-amt.de/en/about-us/auslandsvertretungen/deutsche-auslandsvertretungen)). 


Make sure the form is filled out completely and signed.


Some embassies allow you to fill out this form online in advance, so it’s always worth checking beforehand.


### Biometric passport photos


Provide two recent biometric passport photos (35mm x 45mm) that comply with [German photo standards](https://www.germany.info/resource/blob/906790/6e3eee9fd4d86e16aaefe0e92d809332/dd-sample-photos-data.pdf). 


Photos that don’t meet the specifications will be rejected, so be sure to double\-check size, lighting and background colour requirements.


### Motivational letter


You should include a short letter explaining why you want to do this internship in Germany. This letter should outline:


- Your career goals
- How the internship fits into your studies or professional development
- Why you chose this particular company or field


A well\-written motivational letter shows the visa officer that you have clear, purposeful plans. It can be the difference\-maker to your internship visa approval.


### Proof of educational status


If you are a current student, you will need to provide confirmation of enrolment from your university. If you are a recent graduate, include a copy of your degree certificate or transcripts.


Some internships may specifically require that you are still enrolled in a study program, so check your employer’s conditions carefully.


## How to apply for the internship visa: step\-by\-step


Once you’ve gathered your documents, here’s how the visa process typically works:


1. **Book an appointment at your local German embassy or consulate.** Appointment waiting times can vary significantly, so try to book as early as possible.
2. **Submit your visa application and documents in person.** At your appointment, you’ll hand in all documents, provide biometrics (fingerprints and photos) and answer questions about your plans.
3. **Pay the visa fee.** The fee for a long\-stay internship visa is typically €75\.
4. **Wait for processing.** Processing times can range from four to twelve weeks, depending on the embassy.
5. **Receive your visa and prepare for your move to Germany.**


## After you arrive in Germany


### Register Your Address (Anmeldung)


Within 14 days of moving into your German accommodation, you must complete the Anmeldung (address registration) at your local Bürgeramt (citizens’ office).


You’ll need:


- Your passport
- Your visa
- A signed rental contract
- The tenancy confirmation (Wohnungsgeberbestätigung) signed by your landlord


Without the Anmeldung, you won’t be able to open a bank account or extend your visa.


### Open a German bank account


Opening a local bank account will help you receive any payments, pay rent and manage your finances more easily. Online banks like [N26](https://n26.com/en-eu) are popular with expats and offer quick account setup.


### Activate full health insurance coverage


If you initially used travel insurance to apply for your visa, now is the time to switch to [expat health insurance](https://feather-insurance.com/health-insurance/expat) that meets all long\-term requirements.


Feather’s digital health insurance plans are fully compliant with German law, can be arranged online with immediate confirmation and start from just €72 a month.


## Final tips for a successful internship in Germany


- **Learn some basic German.** It will make daily life much easier, even if your internship is in English.
- **Respect German workplace culture.** Punctuality, clear communication and direct feedback are valued in most German companies.
- **Stay organised.** Track your visa expiry date, keep your health insurance up to date and prepare early for any required extensions.


The Germany Internship Visa is your gateway to gaining international work experience and building valuable connections in one of Europe’s strongest economies. With careful planning, the right documents and visa\-compliant health insurance from Feather, you can make your move smoothly and confidently.

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How to Get a Language Course Visa for Germany: Step-by-Step

If you want to fully immerse yourself in the German language and culture, applying for a language course visa in Germany is the best starting point. 


This visa is designed explicitly for non\-EU citizens who want to stay in Germany for over 90 days to focus entirely on learning the language. 


Whether you aim to prepare for university, boost your career or simply explore German life in greater depth, this visa allows you to study in Germany for up to one year.


In this guide, you’ll learn:


- Who can apply for the language course visa and how long it’s valid for
- Which language programs meet the visa requirements
- What documents you’ll need
- What to do after arriving in Germany to stay compliant
- Why health insurance is mandatory and how Feather makes it simple


## What is the German language course visa?


The German language course visa (Sprachkursvisum) is a national visa that allows non\-EU citizens to live in Germany while attending an intensive German language course. 


Unlike a short\-term tourist visa, this visa is intended for courses that last between three months and one year. It is a great option for people who want to commit fully to language learning without working on the side.


You can’t convert the German language course visa into another type of visa, such as a work visa or student visa, while you are in Germany. If you wish to stay longer for work or further studies, you would need to leave the country and apply for a new visa from your home country.


## Who can apply for the German language course visa?


The German language course visa is available to citizens of countries outside the European Union (EU) and the European Economic Area (EEA). This visa is intended for non\-EU/EEA nationals who wish to participate in an in\-person, long\-term German language course. 


If you are from a [visa\-exempt country](https://www.auswaertiges-amt.de/en/visa-service/231148-231148), you will still need this visa if your course lasts longer than 90 days. Citizens of EU and EEA countries do not need this visa.


Here are the requirements:


1. Applicants must enroll in a full\-time, in\-person German language program.
2. The course must have a minimum of 18 hours of instruction per week.
3. You also need to prove that you can financially support yourself during your stay in Germany
4. You must have [valid health insurance](https://feather-insurance.com/health-insurance) for the entire duration of your visa.


This visa is not meant for tourists, part\-time learners or anyone looking to work while in Germany.


## How to choose the right language course for your visa


Not every German class qualifies for the language course visa in Germany. 


To be eligible, you must enroll in a full\-time, intensive, in\-person language course. Online classes and part\-time courses are not accepted.


You must be studying for a minimum of 18 hours of instruction per week and the course should last at least three months, although many students choose to stay for six to twelve months. 


The language school should also be recognised and reputable, with proper documentation confirming your enrollment, payment and course details. 


Well\-known German language schools include:


- [Goethe\-Institut](https://www.goethe.de/ins/gb/en/index.html)
- [Humboldt\-Institut](https://www.humboldt-institut.org)
- [DeutschAkademie](https://www.deutschakademie.de)
- [Sprachschule Akti](https://www.sprachschule-aktiv.de)


When applying, you’ll need an official enrollment letter from the language school that includes the start and end dates of the course, the total tuition fees and confirmation that your payment has been received.


## Required documents to apply for the German language course visa


Preparing the correct documents is essential when applying for the visa. Missing or incomplete paperwork is one of the most common reasons why applications end up getting delayed or rejected.


### The application form and passport


You will need to complete the national visa application form, which you can usually find on the website of your [local German consulate](https://www.auswaertiges-amt.de/en/about-us/auslandsvertretungen/deutsche-auslandsvertretungen). Make sure all information is accurate and matches your supporting documents. Your passport should be valid for at least three months beyond your planned stay in Germany and must have at least two blank pages for visa stamps.


### Proof of enrollment


Your language school must provide you with an official confirmation letter stating the course duration, the number of hours per week and the total tuition fees. The visa authorities will expect to see proof that you’ve paid for the course or at least made a deposit.


### Financial proof: opening a blocked account


Opening a blocked account ([Sperrkonto](https://www.auswaertiges-amt.de/en/sperrkonto-388600)) in a German bank is the most commonly accepted proof of sufficient financial resources. This restricts you to withdrawing a set amount each month, ensuring that you can cover your living expenses while in Germany. Some applicants may also be able to use a formal sponsorship letter or scholarship as financial proof.


### Accommodation


You must show where you will be living during your stay in Germany. This can be a rental agreement for an apartment, a room in a shared flat or confirmation from your language school if housing is provided as part of your course. Temporary hotel bookings may be accepted for your initial arrival period.


### Health insurance coverage


Health insurance is mandatory for the language course visa in Germany. Travel insurance is not sufficient: you need full, visa\-compliant health coverage. The insurance must cover both outpatient and inpatient care for the entire duration of your stay.


For expats who don’t qualify for public or private plans right away, expat health insurance provides a temporary and easy solution that offers coverage tailored to international residents until they secure more permanent options.


Feather’s affordable [expat health insurance plans](https://feather-insurance.com) are specifically designed for language students, with policies that offer modern, flexible coverage and are easy to purchase online. 


Feather also provides instant access to key documents for visa applications – including certificate of authority, confirmation of coverage and [Anlage 6](https://sofia.diplo.de/bg-de/service/visa/1796742-1796742) – strengthening applications.

### Visa application fee


The [standard visa fee is €75](https://vilnius.diplo.de/lt-de/service/05-visaeinreise/2632820-2632820). Some consulates may have specific payment instructions, so check in advance whether cash or card is accepted at your visa appointment.

## How to apply for the German language course visa: step\-by\-step


### Step 1: Enroll in your language course


Start by enrolling in a qualified German language program and secure your official enrollment confirmation. You’ll need this document to start your visa application.


### Step 2: Gather all required documents


Carefully prepare all of the documents that you’ll need to be successful: 


- Your completed application form
- Passport
- Photos
- Financial independence proof
- Proof of accommodation
- Health insurance confirmation


Missing documents can cause delays or lead to rejection.


### Step 3: Schedule your visa appointment


Contact the German consulate or embassy in your home country to book your visa interview. Appointments can take weeks to months to secure, so it’s always best to start early.


### Step 4: Attend your visa interview


Bring your complete application package to the interview. You may be asked about your motivation to learn German and your future plans. It’s important to demonstrate that your main goal is solely to study the language.


### Step 5: Wait for visa processing


Visa processing times vary depending on your location but typically range from four to twelve weeks. Be patient and regularly check the status if updates are provided by your consulate.


## What to do after you arrive in Germany


### Register your address


Within two weeks of arriving in Germany, you must register your address (Anmeldung) at the local citizens’ office (Bürgeramt). You’ll receive a registration certificate which you will need for many official purposes such as opening a bank account.


### Attend your language course


It’s crucial to attend your language classes regularly, as your visa depends on your participation. Skipping classes or failing to complete the course could jeopardise your legal stay.


### Seek out part\-time employment


If you need to help fund your stay in Germany, you can work on a part\-time employment basis with a German language course visa, but only up to a maximum of 20 hours per week. [Stepstone](https://www.stepstone.de), [CareerBee](https://www.careerbee.io/jobs/?_gl=1*1e6i6q3*_gcl_au*MjA2MTE0NjI0Ni4xNzUwMzIyOTc2) and [zuhausejobs](https://zuhausejobs.com) are recommended starting points to work 


### Maintain your health insurance


Health insurance is essential for protecting yourself while studying abroad. Without valid coverage, your visa application will not be approved, and you could face issues even after you arrive in Germany. Your health insurance must remain valid for your entire stay. 


## Final tips for a smooth visa application


Start the process early to allow enough time for document collection and visa appointments. Double\-check the specific requirements of your local consulate, as these can vary. Make sure your health insurance stays active without gaps. Keep funds in your blocked account and attend your language course consistently to stay compliant.


Remember, the German language course visa cannot be extended or changed to another visa type while you are in the country. If you wish to continue your stay for work or further studies, you will need to return to your home country and apply for a new visa.


By following these steps carefully, you’ll be well on your way to securing your visa and starting your language learning journey in Germany. If you need reliable, affordable health insurance that meets visa requirements, Feather is here to help you every step of the way.

Payout in just 3 weeks

Quick help, clear answers, easy sign-up.

[BP] Language course visa Germany

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Health Check-ups, Screenings & Preventative Care in Germany

Taking care of your health doesn’t have to wait until something goes wrong. 


In Germany, regular check\-ups and screenings are integrated into the healthcare system to help detect issues early and, in many cases, prevent them altogether.


In this guide, you’ll learn:


- What health check\-ups and screenings are available in Germany
- Which services are covered by public and private insurance
- When you’re entitled to specific exams based on your age or health profile
- How to access STI testing, vaccinations, and pediatric care
- And our best tips for making the most of preventative care, at little or no cost to you


By the end, you’ll know exactly what Germany’s health system offers to help you stay healthy before symptoms ever show up.


## How health checkups and screenings work in Germany


Preventive care is both accessible and affordable under the German healthcare system.


If you’re covered by [public health insurance](https://feather-insurance.com/health-insurance/public) (also known as statutory insurance or GKV), most preventive services are typically free. This is based on §25 of the [Social Code Book V](https://www.gesetze-im-internet.de/englisch_sgb_5/englisch_sgb_5.html), which obliges public insurers to offer screenings and vaccinations at regular intervals.


Unlike many specialist treatments, most preventive services **do not require a referral**. You can schedule appointments directly with the appropriate doctors, depending on the type of check\-up you need.


If you’re with [private health insurance](https://feather-insurance.com/health-insurance/private) (PKV), coverage depends on your plan:


- Most private policies **mirror or exceed public insurance** when it comes to preventive screenings
- However, you’ll need to **pay upfront** and **submit a claim for reimbursement**
- Some plans may offer **more frequent screenings** or access to additional preventive services


In this article, we’ll focus on Feather’s private plans and their coverage. If you’re insured elsewhere, this guide is a good starting point, but it’s best to confirm with your provider to avoid any surprises.


## What preventative care does public health insurance cover?


Below is a breakdown of what preventative care services you’re entitled to under public insurance.


### Health checkups available on public health insurance


**If you’re between 18 and 34**, you’re entitled to a one\-time general check\-up with your doctor. It’s a chance to receive a basic health screening and identify any early signs of potential health issues, such as high blood pressure or elevated cholesterol levels.


If your doctor recommends regular monitoring, you may be eligible for a €35 reimbursement every three years for follow\-up check\-ups.


**From the age of 35,** public insurance covers a comprehensive health check\-up every three years. This includes:


- a physical exam
- lab tests (blood sugar, cholesterol)
- a conversation about your health habits and risks


Your doctor may also check for signs of cardiovascular disease, diabetes, and kidney conditions.


Public insurance may reimburse **a sports medical examination and consultation every 24 months.** This check\-up helps you assess your physical readiness, especially if you’re starting a new activity or have pre\-existing health concerns. The extent of coverage depends on your insurer, so it’s worth asking in advance.


### Cancer screenings available on public health insurance


Preventative cancer screenings in Germany are free at regular intervals based on your age and gender. 


Here’s an overview of what’s covered, when, and how often:




| **Screening type** | **Who it’s for** | **How often it’s covered** | **What’s included** |
| --- | --- | --- | --- |
| **Skin cancer** | Everyone, from age 20 | Every 2 years | Full\-body check by a dermatologist or trained GP. Regional rules may apply. |
| **Cervical cancer** | Women, from age 20 | Yearly (20–34\), then every 3 years from 35 | Includes pelvic exam, pap smear, and HPV test from age 35\. |
| **Gynecological exam** | Women, from age 20 | Yearly | Annual check of genital area. From age 30, adds breast and lymph node exam. |
| **Breast cancer** | Women aged between 50–75 | Every 2 years | Mammogram screening with official invitation from test center. If you’re over 70 years old, you must schedule it yourself. |
| **Colon cancer** | Men and women, from age 50 | Once, then you can repeat after 10 years | Colonoscopy (entitled to two total). |


### STD \& STI screenings on public health insurance


Germany’s public health insurance system covers sexually transmitted infection (STI) tests, but only in specific situations.


Routine screening (for peace of mind) isn’t included. Instead, public insurance covers STI or STD testing if you’re showing symptoms, **or** your doctor believes there’s a **clear reason** to test (e.g., confirmed exposure).


There is one exception: women under 26 can get one free Chlamydia test per year.


#### What to do if you want routine screening


Even if you don’t meet the coverage criteria, you still have options:


- **Local health departments:** Many offer free or low\-cost STI tests (check your city’s Gesundheitsamt).
- **Home testing with** [**S.A.M. Health**](https://www.samhealth.de/)**:** Convenient and discreet. Packages start around €60\.


If you’re sexually active with new partners or part of a high\-risk group, consider testing once or twice a year—even if it means paying out of pocket.


Learn more about [STI and STD testing in Germany](https://feather-insurance.com/blog/sti-and-std-testing-in-germany/).


### Vaccinations available on public health insurance


Vaccines in Germany are recommended by the **Standing Committee on Vaccination (STIKO)**. Public health insurance covers those who are considered medically necessary, based on your age, job, or health status.


Here’s a quick summary of the key vaccines and when they’re offered:




| **Vaccine** | **Who it’s for** | **How often** | **Note** |
| --- | --- | --- | --- |
| **Tetanus, Diphtheria, Pertussis** | All adults | Every 10 years | Often combined as a 3\-in\-1 booster |
| **Measles, Mumps, Rubella (MMR)** | Unvaccinated adults born after 1970 | 1–2 doses | Catch\-up is strongly encouraged |
| **HPV** | All genders, ages 9–14 | 2 doses | Best if completed before sexual activity |
| **Flu (Influenza)** | Age 60\+ or risk group | Every autumn | Covered for the elderly and chronically ill |
| **COVID\-19 booster** | 60\+, chronically ill | As recommended | Autumn 2025 booster expected |
| **Pneumococcal** | Age 60\+ | One\-time or periodic | Depends on the risk profile |
| **Travel vaccines** | Varies | As needed | If STIKO\-recommended, costs around €5–€10 |


[Learn more about vaccination in Germany](https://feather-insurance.com/blog/vaccination/).


### Dental prevention and screenings on public health insurance


Dental care is one of the few areas where public insurance offers regular, structured prevention, along with long\-term benefits if you remain consistent.


Here’s what’s covered when it comes to dental:




| **Service** | **How often** | **Cost** | **Note** |
| --- | --- | --- | --- |
| **Basic dental check\-up** | Twice a year (at least 4 months apart) | Covered | Keep your Bonusheft stamped for better benefits |
| **Tartar (calculus) removal** | Once per year | Covered | Usually done during your check\-up |
| **Periodontitis screening** | Every 2 years | Covered | Checks for early gum disease |


If you regularly visit the dentist and keep your bonus booklet (Bonusheft) up to date, you’ll get a higher reimbursement rate for dental treatments like crowns or bridges:


- **5 years of stamps** → **70% coverage** (instead of 60%)
- **10 years of stamps** → **75% coverage**


That’s a major difference if you ever need expensive dental work.


However, even with a booklet, public insurance only goes so far. Cosmetic cleanings, orthodontics, and many restorative treatments aren’t fully covered.


For more comprehensive protection, a [supplementary dental plan](https://feather-insurance.com/dental-insurance) can provide additional benefits.


Learn about [how dental insurance works in Germany](https://feather-insurance.com/blog/dental-insurance-germany-guide/)**.**


### Health courses covered by public health insurance


Preventive care in Germany extends beyond medical check\-ups; it also includes programs designed to reduce lifestyle\-related health risks. 


These services, referred to as **Präventionskurse** (prevention courses), help you take proactive steps in areas such as smoking cessation, nutrition, stress management, and mental well\-being.


Under **§20 SGB V**, public health insurers support certified prevention programs that meet specific quality standards. Depending on the insurer and course, you may be reimbursed up to **80–100 € per course**, sometimes twice per year.


Common reimbursable programs include:




| **Category** | **Example Programs** | **Typical Cost Covered** |
| --- | --- | --- |
| **Smoking cessation** | Group therapy, behavioral training | Up to 100 € |
| **Nutrition** | Healthy eating classes for overweight, diabetic risk | \~80 € |
| **Exercise** | Back pain prevention, Nordic walking | \~80–100 € |
| **Stress reduction** | Mindfulness\-Based Stress Reduction (MBSR), autogenic training | \~75 € |
| **Mental health** | Burnout prevention workshops, resilience coaching | Varies |


These programs are **not limited to diagnosed conditions**. They’re preventive, intended for those at risk or wanting to build healthier habits before problems develop.


To enroll in certified courses, simply:


- **Contact your Krankenkasse**: Most insurers have searchable directories available on their websites or mobile apps. Look for terms like *Gesundheitskurse* or *Präventionskurse*.
- Use the [**ZPP (Zentrale Prüfstelle Prävention)**](https://www.zentrale-pruefstelle-praevention.de/) database to find approved courses in your area.
- **Get a GP referral**: Not required, but your doctor may suggest programs based on a check\-up or health risk.


To get reimbursed, you must:


1. Choose a **ZPP\-certified** course (or one approved by your insurer).
2. Attend at least **80% of sessions**.
3. Submit your receipt and participation certificate to your health insurance.


### Preventive care for children and adolescents on public health insurance


If you’re a parent, your child’s early years will include a series of structured medical check\-ups, designed to track development, offer vaccines, and flag potential concerns early.


These exams are known as **U1 to U9** and **J1**, and they’re either **mandatory** or **strongly recommended** under public health insurance. 


Each exam is scheduled for a specific age range and focuses on different areas of development:




| **Exam** | **Age range** | **What’s checked** |
| --- | --- | --- |
| **U1–U2** | Birth to 10 days | Vital signs, reflexes, and early screening (e.g., hearing test) |
| **U3** | 4–5 weeks | Hip ultrasound, feeding, and weight gain |
| **U4–U6** | 3 months to 1 year | Motor skills, vision, physical development, and vaccinations |
| **U7–U9** | 2 to 5 years | Language development, social behavior, coordination |
| **J1** | 12 to 14 years | Puberty development, mental health, lifestyle habits (e.g., screen time) |


Learn more about [pediatric care in Germany](https://feather-insurance.com/blog/children-healthcare/).


## What preventative care does private health insurance cover?


Private health insurance in Germany often includes broader preventative care coverage than public plans, but with one major caveat: **benefits vary depending on your provider and plan**.


That said, if you’re insured through a private provider, here’s what you can typically expect—and why you should take full advantage of it.


### Good to know before you start


- **Check\-ups won’t reduce your bonus**: If your plan includes a cashback or no\-claims bonus, using your preventative benefits won’t affect it. There’s no penalty for looking after your health.
- **No strict frequency rules**: Unlike the public system, private insurance doesn’t lock you into exact intervals. If the exam is **medically reasonable**, it’s usually covered.
- **Pre\-approval is easy**: If you’re unsure about what’s included or how often you can go, just contact your insurer. Feather, for example, can help pre\-approve check\-ups and tests.


### Health checkups available on private health insurance


Here’s a summary of the general preventative services that may be included in your private plan:




| **Check\-up category** | **What’s included** |
| --- | --- |
| **General health** | Medical history, physical exam, blood pressure, consultation |
| **Blood \& urine tests** | Cholesterol, blood sugar, kidney function (creatinine), and urine analysis |
| **Cardiovascular** | ECG (electrocardiogram), cardiovascular risk assessment |
| **Kidney health** | Ultrasound of the kidneys, creatinine testing |
| **Osteoporosis screening** | Consultation, ultrasound, or densitometry of bone density |
| **Colorectal health** | Fecal occult blood test, colonoscopy (with prep and sedation) |
| **Aortic screening (men)** | Ultrasound screening for abdominal aortic aneurysm |


### Cancer screenings available on private health insurance


Your private plan may also include gender\-specific cancer screenings, often with more advanced or earlier\-stage options than public coverage.


All adults are entitled to **skin cancer screenings**, including a full\-body skin exam and consultation.


Men are entitled to **prostate cancer screenings**, including PSA and PCA\-3 blood tests, prostate massage, and urological exam. 


Women may receive:


1. **Breast cancer screening**, which includes palpation, consultation, mammography, and ultrasound.
2. **Cervical cancer screenings**, including Pap smear and HPV testing
3. **Ovarian cancer screenings**, including vaginal ultrasound and colposcopy.


### STD \& STI screenings on private health insurance


Private health insurance covers a broader range of STI screenings than the public system, and often without needing symptoms or special risk factors. 


If you’re sexually active or simply want regular peace of mind, your plan likely includes the tests below:




| **Test type** | **What’s included** |
| --- | --- |
| **Chlamydia** | PCR test or rapid urine test |
| **HIV** | Search and confirmation tests |
| **Syphilis (Lues)** | Search and confirmation |
| **Hepatitis B \& C** | One\-time screening available from age 3 |
| **Pregnancy\-related screenings** | Toxoplasmosis, CMV, herpes simplex, varicella, hepatitis A/C, parvovirus |


### Vaccinations available on private health insurance


Most private plans follow **STIKO** guidelines, just like public insurance. For details, check the section above or our guide to [vaccinations in Germany](https://feather-insurance.com/blog/vaccination/).


### Preventive care for children and adolescents on private health insurance


Private insurance builds upon the standard U1–J2 child exams and includes additional screenings for rare metabolic and developmental conditions.




| **Category** | **What’s included** |
| --- | --- |
| **Newborn screenings** | Blood spot test for over 10 metabolic/genetic disorders (e.g., PKU, MCAD, GA I) |
| **Cystic fibrosis screening** | Trypsin and PAP test |
| **Hip screening** | Hip ultrasound, with duplex imaging surcharge |
| **Hearing \& heart checks** | Otoacoustic emissions and pulse oximetry |
| **Routine child exams** | U1–U12, J1, J2 early disease detection |


### Health courses covered by private health insurance


Private insurance with Feather also includes coverage for certified health apps and programs designed to improve well\-being, whether physical or mental.


Certified apps are covered at 100%, while non\-certified apps are 80% covered (up to €1,600\) with Feather’s pre\-approval. 


Explore the [DiGA app directory](https://diga.bfarm.de/de/verzeichnis) to find certified programs that match your goals.


## How to schedule a preventive appointment


Here’s a quick look at how to book a check\-up in Germany:


1. **Find an English\-speaking doctor**: Use tools like Doctena or ask your insurer for a list.
2. **Book online or by phone**: Mention the specific check\-up you’d like to undergo
3. **Bring your health card (eGK)**: Required for billing if you’re publicly insured.


*Need help with the process?* Read our guides: 


- [How to find a doctor in Germany](https://feather-insurance.com/blog/tips-for-finding-a-doctor-in-germany/)
- [How to visit the doctor in Germany](https://feather-insurance.com/blog/seeing-doctors-in-germany/)


## Conclusion


Preventive care in Germany isn’t just a nice\-to\-have.


It’s a built\-in part of the healthcare system that’s accessible, affordable, and often fully covered. Whether you’re due for a cancer screening, curious about STI testing, or looking into mental health programs, knowing what you’re entitled to can help you take proactive steps without second\-guessing. 


Staying ahead of your health means fewer surprises later and more confidence in your everyday life.


If you’re new to Germany or considering changing your health insurance, it’s worth [comparing your options](https://feather-insurance.com/health-insurance) to determine what kind of preventive coverage you can rely on.

Find the best health insurance for you

[BP] checkups screenings germany

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The ultimate checklist on leaving and returning to Germany

Moving abroad is no easy task, especially when you don’t understand the language or the systems in place. As it turns out, the same is true when moving away from a foreign country. Especially if you’re leaving or returning to Germany!


Just as many found out too late that moving to Germany for work means you can write off the moving expenses like the airplane ticket on your tax return, many find out much too late that when they leave Germany, they can actually get their [pension payments refunded](https://allaboutberlin.com/guides/pension-payments-refund) to them. 


If you’re leaving Germany, check out our article on the [pension refund here](https://feather-insurance.com/blog/a-complete-guide-to-getting-your-german-pension-back/)!


## **What to watch out for when leaving Germany**


If you’re leaving Germany, you’ll need to watch out for a few important things: 


### *[Abmeldung](https://allaboutberlin.com/glossary/Abmeldung)* — Deregistration


When you first arrived in Germany, one of your first experiences was probably trying to obtain the coveted *Anmeldung*, or registration. Well, it turns out that you need to get a deregistration form too when you leave. This will play a key role in getting your pension refund back. If you want a quick calculation to see how much you’ll get back, you can use [the calculator from All About Berlin](https://allaboutberlin.com/tools/pension-refund-calculator) as a benchmark.


### Cancel your work contract 3 months in advance


You’ll need to cancel your working contract 3 months before leaving Germany. The only exceptions to this are if you are not working full\-time or your employer has signed an agreement with you for an earlier termination date.


### Cancel everything early


Contracts for things like your apartment have to be cancelled **three months in advance**. For your phone bill, gym and other local contracts you have, you can provide proof that you’re leaving with the *Abmeldung* (deregistration), plane tickets or new working contract to cancel early. 


Cancel in person and get written proof that this has been done. Remember that sometimes you will need to receive a letter in the mail, sign it and send it back to cancel some contracts. 


### Mark your bank account as “dormant”


When you do this, make sure that you look back at each automatic payment to switch over to your new international account like Netflix, Spotify or Amazon. If your account ends up in the negatives, the bank might decide to start an international address inquiry which is quite expensive.


### Prepare your pension refund documents


As mentioned in a previous article, you can get your pension payments back if you have worked in Germany for less than five years. After five years, you’re entitled to recieve pension benefits, so you are no longer eligible at this point.



Interested in how much you can get back from your German pension insurance? [German Pension Refund](https://pension-refund.com/free-eligibility-check.html) will do a free calculation for you and send an estimate.


###### List of common contracts in Germany:


- Phone
- Work
- Rental
- Rundfunk (TV)
- Electricity
- Water
- Gas
- Internet
- Insurance
- Bank
- Gym



## **Things to watch out for when returning to Germany**


Returning to Germany is a bit tricky in terms of some paperwork like insurance (though not as complicated as in the [USA](https://feather-insurance.com/health-insurance/private/us)), but easier for things like getting a new gym subscription or phone plan, or or [signing up for an electricity provider](https://nomadandinlove.com/electricity-providers-in-germany/). If you’ve already gotten your pension refund, you’ll start out at zero again for your contributions as if nothing happened. 


Things to watch out for: 


### *[Anmeldung](https://allaboutberlin.com/guides/anmeldung-in-english-berlin)* — registration


Even if you formerly lived in Germany and are returning, you’ll still need to go through the process of getting the *Anmeldung* again. It’s a pain, but you need it. 


### Reopening your [German bank account](https://allaboutberlin.com/guides/first-bank-account-in-germany)


If you marked your old bank account as “dormant” then you can reactivate it at the bank with an appointment. If you closed the bank account entirely, you’ll need to open a new one. 


### Sign up for health insurance


This is a tricky one depending on where you are from or your age. If you’re over 55 or you opted out of public health insurance, you might not be eligible to sign up for [public health insurance](https://www.feather-insurance.com/public-health-insurance) anymore. You can [contact us](https://www.feather-insurance.com/support), and we’ll look through the plans with you to find out what best suits your situation.



## **How Feather and German Pension Refund can help**


Both Feather and German Pension Refund believe in helping people navigate through Germany’s complex bureaucracy. For Feather, this means creating a platform where people can read their insurance documents in English at any time as well as submit claims in English. This also means that we can help you when you’re leaving or returning to Germany.


Explore our insurance plans below:



[Let’s go!](https://www.feather-insurance.com/public-health-insurance)

German Pension Refund does the same for people leaving Germany by providing them with detailed information on getting their refund back while also handling the most complicated documents:



[Let’s go!](https://pension-refund.com/)

Let us know if you have any questions about leaving or returning to Germany!

[BP] checklist on leaving germany

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Travel Insurance for Schengen Visa: What You Need to Know

Planning a European adventure? 


Whether you’re a full\-on digital nomad, a backpacker with a Eurail pass or just ready for a much\-needed holiday, there’s one thing you’ll definitely need if you’re not from the EU: a Schengen Visa.


And with that comes the inevitable “do I really need travel insurance?” question.


Simply put? 


You can’t afford to overlook it. 


If you are applying for a Schengen visa, it’s essential that you get travel insurance that includes travel health insurance (aka travel medical insurance). 


Yet understanding Schengen travel insurance doesn’t need to be complicated. 


Whether you’re embarking on a short trip or a longer stay, the right insurance will keep you covered and give you the freedom to roam without constant worries.


In this article, we’ll examine:


- Why you need travel insurance
- What it should cover
- And how to choose the best policy so you can focus on enjoying your time in Europe.


## What is the Schengen Area?


The Schengen Area is a group of 27 European countries that have abolished internal borders, making it incredibly easy for travellers to hop from one country to another without the hassle of multiple passport checks.


The Schengen Agreement, signed in 1985, has since become one of the cornerstones of European travel. It includes most EU countries and a few non\-EU nations, such as Norway, Iceland, and Switzerland. 


However, some EU countries, like Ireland, are not members of Schengen, and some Schengen countries are not EU members, so it’s essential to double\-check [the complete list](https://www.auswaertiges-amt.de/en/visa-service/buergerservice/faq/17-schengenstaaten-606722) before you plan your trip.


While the Schengen Area makes travel across Europe easier than ever, if you’re not a national of an EU or Schengen member state, you will need a Schengen Visa to enter. 


And to secure that visa, you need to have [travel insurance](https://feather-insurance.com/travel-insurance).


## Why you need travel insurance for a Schengen visa


First things first: it’s not optional. 


Travel insurance is a legal requirement if you’re applying for a Schengen Visa. The policy must provide a minimum coverage of €30,000 and be valid for the entire length of your stay in the Schengen Area. 


Without proof of insurance, your visa application may be denied, no matter how perfectly you’ve planned the rest of your trip.


But beyond ticking an important box on your application form, travel insurance is your essential safety net. 


From flight cancellations and lost baggage to unexpected medical issues, the right plan can save you in a big way when it comes to out\-of\-pocket expenses. 


Healthcare in many European countries can be extremely expensive for non\-residents, and without insurance, even a minor accident like a broken bone could result in bills that run into thousands of euros.


But beyond the legalities and financial risks, skipping travel insurance means forfeiting peace of mind. 


Travelling without the right insurance in place is like walking a tightrope without a safety net. Whether you’re strolling through the streets of Paris or hiking the Alps, knowing you’re covered allows you to fully immerse yourself in the experience, rather than worrying about the “what ifs.”


## Why is travel insurance so important?


Travel is all about adventure and discovery, but even the best\-laid plans can hit unexpected bumps. 


Whether you’re settling into a new life abroad or hopping from city to city as a digital nomad, things don’t always go smoothly. That’s where travel insurance comes in. It’s your trusted backup when life throws the unexpected at you.


Yet travel insurance is also a requirement when applying for a Schengen Visa for five very good reasons:


1. **Trip cancellations:** If something happens before your trip, such as an unexpected illness or a family emergency, travel insurance can reimburse you for non\-refundable expenses. Similarly, if you need to cut your trip short, your policy can cover cancellation fees, accommodation costs and much more.
2. **Baggage loss and theft:** Digital nomads will often pack gear that is worth thousands —laptops, cameras and gadgets galore. If any of these go missing, your travel insurance should reimburse you for the loss, making it easier to replace the essentials and get back to business as quickly as possible.
3. **Medical coverage:** No one plans on getting sick or injured during their travels, but if it happens, you don’t want to be caught off guard by sky\-high medical bills. In most European countries, medical expenses can be expensive for non\-residents, so having health travel insurance for Schengen visa (aka medical travel insurance) ensures you’re covered for any emergency care, doctor visits, or hospital stays you might need.
4. **Emergency evacuation and repatriation:** In the unlikely event that you need to be evacuated — whether it’s due to a severe illness or an unforeseen emergency — your insurance can cover the cost of getting you back home safely. This kind of coverage is truly invaluable.
5. **General protection:** Whether it’s a flight delay or a minor hiccup in your travel plans, having insurance gives you a safety net. When things go off the rail, it’s much better to be covered than to have to scramble for solutions.


## How to choose the right travel insurance for your Schengen visa


It’s clear that travel insurance is a must for your Schengen Visa, but how do you choose the right one? 


Picking the right travel insurance for your Schengen visa is hugely important — it makes sure you meet all the visa rules and keeps you covered if anything goes wrong with your health or money while you’re travelling.


1. **Meet the minimum coverage requirements:** Be sure to check that your insurance policy covers at least €30,000 in medical expenses and repatriation. This is the minimum requirement, and anything less won’t cut it for your visa application.
2. **Compare policies:** There are plenty of travel insurance providers, but not all policies are created equal. Compare coverage, exclusions, and prices from different providers to find a policy that best fits your needs as an expat or digital nomad.
3. **Look for 24/7 support:** When you’re travelling and away from home, you want an insurance provider that offers around\-the\-clock support. You don’t want to be scrambling around for information in the middle of the night when something goes wrong, so choose a provider that’s easy to contact in case of emergency, wherever you are.
4. **Know the exclusions:** Every insurance policy has exclusions — things that aren’t covered. Common exclusions usually include pre\-existing medical conditions, high\-risk activities like extreme sports, or travelling to countries with political instability. Make sure you understand what your policy covers and what it doesn’t, and ask questions if you’re not sure..
5. **Consider your needs:** If you have a chronic health condition or you’re planning to engage in certain higher\-risk activities such as skiing or scuba diving, make sure your insurance covers those specific situations before you travel. Extra coverage might cost you a little more up\-front, but it can save you a lot of time, money and stress in the long run.
6. **Check for country\-specific requirements:** Some Schengen countries may have specific insurance requirements. Double\-check the specific visa rules for the country you’re applying to and make sure your insurance ticks all the boxes.
7. **Look at the claims process:** If you do need to make a claim, you’ll want a smooth and easy process. The best insurance providers will give you the help you need with efficient and easy claims handling, so you’re not stuck with unnecessary bureaucracy when you need help most.


## Your travel safety starts here


Travel insurance for your Schengen Visa is a vital step in preparing for a smooth and worry\-free journey through Europe. 


Whether it’s medical coverage, trip cancellation, or emergency evacuation, the right travel insurance ensures you’re protected no matter what unforeseen events may arise during your trip. It’s essential for your safety and peace of mind while exploring the Schengen Area.


Don’t leave your travel plans to chance. Make sure your trip is covered from every angle by securing the right insurance policy.


Take the first step towards a safe, enjoyable trip. Your next adventure begins with Feather.

Get short-term expat health insurance

[BP] travel insurance schengen visa

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How to use expat health insurance for German Visas (2025)

> Summary: Visas are complex, so it’s important to know what’s required for your application. In Germany, health insurance is a legal requirement to visit, live, and work here. One problem many people have is knowing which visas accept [expat health insurance](https://feather-insurance.com/health-insurance/expat/) and which ones don’t. 
> 
> Here, we cover which visas accept expat health insurance and what to watch out for when using it for your visa application.





## **Time limitation of expat health insurance**


Expat health insurance can be used for up to 5 years starting from your arrival date in Germany. If you’ve already been in Germany for 2 years and just now apply for expat health insurance, that means you’ll only have 3 years left before your expat health insurance expires. 


The time limit applies to everyone regardless of visa.


## **Working holiday visa or Youth mobility visa (*„Working Holiday“\-Programm*)**


Because this visa is only available for one year, as long as you haven’t been in Germany for more than 4 years, you can use expat health insurance unless you have [pre\-existing conditions](#pre-existing-conditions1).


You can find more information on our health tool. 



[Take me there!](https://app.feather-insurance.com/health-insurance-tool)

## **Freelance visas (*****Visum zur Selbstständigkeit*****)**


If you’re applying for your first\-time freelance visa, then we recommend you get public health insurance unless you’re *not* coming from another EU country, then you would need to consider private health insurance or expat health insurance. If you have [pre\-existing conditions](#pre-existing-conditions1), [expat insurance](https://feather-insurance.com/health-insurance/expat/short-term) probably won’t be accepted for your visa application.


You should also see our [health tool](https://app.feather-insurance.com/health-insurance-tool?utm_source=blog&utm_medium=organic&utm_campaign=expat-visas) to find out what the best fit is for your visa, which can help determine which health insurance you’re eligible for. 


## **German tourist visa (*****Schengen Visum*****)**


If you’re planning to come to Germany for only a few weeks, getting simple [travel insurance](https://feather-insurance.com/travel-insurance) will be just fine while you’re here. Still, if you plan to stay for more than one month, expat health insurance is perfect for you since it covers you throughout the entire EU and can be canceled on a monthly basis. 


For some passport holders, this travel visa is granted on arrival. For others, you’ll need to contact the German embassy in your country to apply. With expat insurance, you can apply online from anywhere around the world, so there is no need to worry about any paperwork.


## **Visitation visa (*****Besucher Visum*****)**


If you have a formal invitation to Germany from a friend, family member, event, or company, you’re still going to need health insurance that covers at least €30,000 in costs, which expat fulfills – Depending on the German city you’re applying in. To find out the specific requirements for your visa, go to the specific city’s visa website and look for the visitation visa. Under additional information, you’ll see a list of links to related documents. The one you’ll need to look for is regarding additional information on health insurance requirements. 


## **Medical visa (*****Aufenthaltserlaubnis zur medizinischen Behandlung*****)**


For people seeking medical treatment in Germany, the requirements for a visa are vastly different from city to city. The general rule is that you’ll need health insurance to cover you while getting medical treatment, but since expat health insurance doesn’t cover [pre\-existing conditions](#pre-existing-conditions1) (a requirement for this visa), you’ll need to prove that you’re able to cover the costs of the surgery through another insurance or through bank statements. 


You will need at least travel insurance during this time, though (expat health insurance will not work in this case).


## **Student visas (*****Visum zum Studieren*****)**


If you’re 29 years old or younger, we highly recommend signing up for [public health insurance](https://feather-insurance.com/health-insurance/public). 


On our website, you can see four different public health insurance providers, which you can choose from. All of them are nearly identical in terms of coverage with small perks like travel vaccinations. 


This is only possible if your university is accepted by the state. If it is a private institution and not approved you will have to take out [expat insurance](https://feather-insurance.com/health-insurance/expat/short-term). But don’t worry, we will check that for you in the sign\-up process.


If you’re 30 years old or older, then public health insurance won’t accept your [student insurance](https://feather-insurance.com/health-insurance/public/students) status unless you’re working for the university as a Ph.D. student. Your university will have specifically told you that you would be covered under their insurance as a researcher or guest academic. We offer expat and [private health insurance](https://feather-insurance.com/health-insurance/private), but you can check out our [health insurance tool](https://app.feather-insurance.com/health-insurance-tool) to learn more about the options available to you.


## **Visas for employment (*****Blaue Karte EU*****)**


Expat insurance is not an ideal solution and doesn’t always work for your visa appointment unless you have a very specific situation. It’s best first to see if you would be covered by public or private health insurance before applying for expat – which you can check on our [health tool](https://app.feather-insurance.com/health-insurance-tool). 


Someone might need expat insurance because they’re coming to Germany on a temporary employment visa and need to apply before starting work. Expat insurance can be canceled on a monthly basis, so you can use it until your employer enrolls you into a public or private health insurance plan. 


## Chancenkarte or opportunity card (the new **job searching visa)**


If you [qualify for a Chancenkarte](https://feather-insurance.com/blog/chancenkarte-how-to-apply/), you almost always have less than 2 years to find a full\-time position. This means that [expat health insurance](https://feather-insurance.com/health-insurance/expat/short-term) is perfect for this period of time when you don’t qualify for public or private insurance. 


## **Visa renewals**


Expat health insurance is meant for people who are unsure if they want to stay in Germany long\-term or not. If you’re getting a visa renewal, this is no longer the case, so **expat insurance is almost always denied**. 


We recommend that if you already have expat health insurance with Feather, you upgrade to public or private health insurance [in your account](https://app.feather-insurance.com/account/signin). Unfortunately, not everyone is eligible for private or public health insurance, but you can check in our health tool. 


## **Pre\-existing conditions**


In the information document on the application (this is available on the website of the Foreigner’s Office in the city you’re applying in), they will almost always deny expat health insurance if you’d pay more than €300 out of pocket per year, which is the case if you have pre\-existing conditions. Since expat insurance doesn’t cover pre\-existing conditions, this ends up being a problem. Pre\-existing conditions include chronic illnesses like lung disease, kidney failure, or diabetes that an expat plan won’t cover.


## Does expat health insurance work with your visa type?


If expat health insurance works with your visa, that’s great news. You should sign up today, so you can complete your visa application as quickly as possible.


## **Is your visa not listed here?**


We know how complicated visas can be because most of us have also had to get them for Germany. Depending on the country you’re from, if you’re applying to a German National Visa or a Schengen Visa, things can change drastically. This guide is meant as an introduction to visas and health insurance requirements.


If the visa type you’re applying for isn’t listed in this article and you’re wondering if expat health insurance would fulfill the requirements, feel free to [send us your questions](https://feather-insurance.com/support)

 Quality service. Rare in Germany.

[BP] how can i use expat health insurance for my visa

How to Get a Spouse Visa for Germany: Step-by-Step Guide

Reuniting with your spouse in Germany is an exciting life step, whether you’re joining a German citizen or a partner who already lives in Germany on a valid residence permit. 


The German spouse visa is the key to making that reunion possible.


In this guide, we’ll walk you through the spouse visa process step by step, including:


- Who qualifies for the spouse visa for Germany
- What proof of relationship is required
- The German language skills you may need and how to prepare
- The complete visa application process, including embassy visits, interviews and timelines
- What to do after you arrive, including address registration and applying for your residence permit
- How Feather provides simple, affordable health insurance plans that meet visa requirements


Let’s dive in to help you start your journey to joining your significant other in Germany.


## Who can apply for a German spouse visa?


The spouse visa for Germany allows non\-EU citizens to join their husband, wife, or registered civil partner who is already living in Germany. Your spouse must either be:


- A German citizen
- A non\-German who holds a valid residence permit for work, study or permanent residency


This visa is available to both heterosexual and same\-sex couples. If you are not legally married but in a long\-term relationship, other visa options (such as the [family reunion visa](https://feather-insurance.com/blog/family-reunion-visa/) for unmarried partners) may apply, but these are often more complex.


Suggested read: [How to bring your parents to Germany](https://feather-insurance.com/blog/how-do-i-bring-my-parents-to-germany/).


### Relationship documentation


When applying for the German spouse visa, you must provide official proof of your relationship. Typically, this includes:


- A marriage certificate that is translated into German and legally certified
- Proof of your spouse’s residence status in Germany (their residence permit or German ID)
- Evidence that your spouse can financially support you (such as employment contracts or bank statements)


Some consulates may also request photos, chat logs, or travel records to confirm the authenticity of the relationship, especially in cases of recent marriage. 


It’s always best to check the requirements with [your local consulate](https://www.auswaertiges-amt.de/en/about-us/auslandsvertretungen/deutsche-auslandsvertretungen).


## German language requirements for the spouse visa


Most applicants must demonstrate basic German language skills before receiving a Spouse Visa. 


The minimum requirement is usually A1 level of the [Common European Framework of Reference for Languages (CEFR)](https://www.coe.int/en/web/common-european-framework-reference-languages/level-descriptions). This means you should be able to:


- Understand and use simple, everyday expressions
- Introduce yourself and ask basic questions
- Hold simple conversations about routine topics


You can prove this with a language certificate from an approved institution such as the [Goethe\-Institut](https://www.goethe.de/ins/gb/en/spr/kur/fer/dto.html).


### Exceptions to the language requirement


You may be exempt from the language requirement if:


- Your spouse is an EU Blue Card holder
- Your spouse is a highly skilled worker
- You or your spouse are unable to meet the requirement due to health reasons
- Your spouse is a German citizen and you face extraordinary difficulties learning the language


Check with your [local German consulate](https://www.auswaertiges-amt.de/en/about-us/auslandsvertretungen/deutsche-auslandsvertretungen) for the exact requirements based on your situation.


## Health insurance requirements for the spouse visa


You must have German\-approved health insurance starting from your first day in the country.


If your spouse is publicly or privately insured in Germany, you may be able to join their policy through family insurance – however, this depends on your spouse’s insurance provider and your specific situation, and there will be a cost attached to be added to the policy.


If family insurance isn’t an option, you’ll need to purchase short\-term health insurance that meets all visa and residence permit requirements. Feather offers flexible, affordable [expat health insurance plans](https://feather-insurance.com/health-insurance/expat) that are visa\-compliant and tailored for expats. You can sign up online in minutes.

## Applying for the spouse visa for Germany


### Step 1: Schedule a visa appointment


Start by booking an appointment at your home country’s German embassy or consulate. Appointments can fill up quickly, so it’s always best to schedule early.


### Step 2: Prepare your documents


Gather all required paperwork, including:


- Your passport
- Completed visa application form
- Marriage certificate
- Proof of language skills
- Your spouse’s residence permit
- Proof of [adequate financial means](https://www.make-it-in-germany.com/en/visa-residence/family-reunification/spouses-joining-citizens-non-eu) to cover your living expenses (payslips or tax statements)
- Valid health insurance


Germany offers both public and private insurance options. Public health insurance is generally more affordable and comprehensive but typically tied to your employment status. Private insurance offers more flexibility and may be necessary if you’re self\-employed or a high earner, though it can be costly. 


When applying for a Germany spouse visa, [expat health insurance](https://feather-insurance.com/health-insurance/expat) provides a temporary solution until longer\-term public or private health insurance is secured.


### Step 3: Attend your visa interview


At your appointment, you will submit your documents and may be asked questions about your relationship, your plans in Germany, and how you will support yourself. Go prepared with answers to these questions.


### Step 4: Wait for processing


Visa processing times vary, but it typically takes 4 to 12 weeks. Processing may take longer if extra verification is required.


### Step 5: Receive your visa and travel to Germany


Once your visa is approved, you can travel to Germany and begin your new life with your spouse.


## What to do after arriving in Germany


### Register your address (anmeldung)


Within the first two weeks of arriving, you must register your address at the local registration office (Bürgeramt). You will receive a registration certificate (Anmeldebestätigung), which is essential for applying for a residence permit and opening a bank account.


### Apply for your residence permit


The Spouse Visa typically allows entry for 90 days. To stay longer, you must visit the local immigration office (Ausländerbehörde) to apply for a residence permit. Bring your registration certificate, health insurance confirmation, and marriage documents with you.


### Choose the right long\-term health insurance plan


Having [health insurance](https://feather-insurance.com/health-insurance) is mandatory for all residents in Germany, including spouses. 


While expat health insurance offers a temporary solition at the outset, it is recommended that you switch to either public or private health insurance after securing a residence permit. These policies typically offer greater coverage and protection for long\-term stays.


## Top tips for a successful spouse visa application


- Start the application process as early as possible, as securing appointments and processing can take several months
- Make sure your documents are complete, properly translated and certified when required
- Prepare for the language test in advance unless you qualify for an exemption
- Keep in mind that health insurance is mandatory for both your visa and residence permit approval


By carefully following each step, you’ll be well on your way to joining your spouse in Germany and starting your new life together with fewer hurdles. We're here to help every step of the way.

[BP] Spouse visa Germany

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How long is the EHIC card valid after moving to Germany?

From the history of how the European Union made it possible for different EU citizens to access healthcare systems in other EU countries to how long your European Health Insurance Card is valid after moving to Germany, we go through it all below!


## **Coordination rules**


Each country in the European Economic Area has its own social security system which includes things like pension contributions, health insurance, and other benefits. When looking at the overall systems of each of the countries, things get to be quite complicated.   
  
The European Health Insurance Card or in short EHIC was established by regulation 883/2004 on the 1st of June 2004 until 31 December 2005 when on the 1st of January 2006, it was implemented and accepted by 30 countries.


**Countries that have implemented the European Health Insurance Card**




- 🇦🇹 Austria
- 🇧🇪 Belgium
- 🇨🇾 Cyprus
- 🇨🇿 Czech Republic
- 🇩🇰 Denmark
- 🇪🇪 Estonia
- 🇫🇮 Finland
- 🇫🇷 France
- 🇩🇪 Germany
- 🇬🇷 Greece




- 🇭🇺 Hungary
- 🇮🇸 Iceland
- 🇮🇪 Ireland
- 🇮🇹 Italy
- 🇱🇻 Latvia
- 🇱🇮 Liechtenstein
- 🇱🇹 Lithuania
- 🇱🇺 Luxembourg
- 🇲🇹 Malta
- 🇳🇱 The Netherlands




- 🇳🇴 Norway
- 🇵🇱 Poland
- 🇵🇹 Portugal
- 🇷🇴 Romania
- 🇸🇰 Slovakia
- 🇸🇮 Slovenia
- 🇪🇸 Spain
- 🇸🇪 Sweden
- 🇨🇭 Switzerland
- 🇬🇧 United Kingdom\*




\* As of the 1st of January 2021, only those covered by the Withdrawal Agreement continue to have coverage


Instead of creating a universal system for each participating country to adapt to, the goal was to coordinate the systems. What this means is that each system will cover the people dependent on them (this includes both EU and non\-EU citizens given that they are covered under the public insurance system in an EU country).   
  
These coordination rules were also modernized in 2010 under regulation 987/2009 which have since simplified the process between countries and make sure that those moving within the EU face no disadvantages in terms of social security rights when doing so.  
  
Because social security is a basic human right included in articles 22 to 27 in the International Human Rights Law. Because of that, Germany has worked to create social security agreements with several countries.


**Additional countries that have social security agreements with Germany**




- 🇧🇦 Bosnia and Herzegovina
- 🇮🇱 Israel
- 🇲🇪 Montenegro
- 🇲🇰 North Macedonia
- 🇷🇸 Serbia
- 🇹🇷 Turkey
- 🇹🇳 Tunisia




## **The European Health Insurance Card**


From these coordination rules, the European Union established the European Health Insurance Card (EHIC).   
  
To apply for this card, people insured under public insurance systems in one of the countries listed above can contact their insurance provider.   
  
*Please note: if you are a non\-EU citizen and have the EHIC, you are not covered in Iceland, Denmark, Liechtenstein, Norway, or Switzerland.*   
  
You can use the card when you’re residing in another country in the list above, but please also note this is not travel insurance, so it won’t cover costs such as a return flight home or stolen property.    
  
Instead, the card covers what would normally be covered by the insurance provider who issued it like treating chronic or existing illnesses, pregnancy, and childbirth among other benefits. You can see a detailed list of the [coverage by country here](https://ec.europa.eu/social/main.jsp?catId=858&langId=en). The EHIC provides coverage from the country in which you obtained the card, so if your card was issued in Spain under the public insurance system, and you are in Germany, you would need to look at the guide for Spain and not Germany.


###### **If you plan on moving long\-term to another EU country and not working, you will need to register your insurance with the [S1 form](https://europa.eu/youreurope/citizens/work/social-security-forms/index_en.htm) that you’ll need to request from your current health insurance provider.**


Depending on your circumstances as well, you may need to apply for health insurance in your new country of residence. This generally happens when moving to another country with the intention of working.   
  
Still, these regulations differ so greatly that we cannot make a general recommendation. Instead, you should look at the [European Commission’s website](https://ec.europa.eu/social/main.jsp?catId=849&langId=en) to learn more about each country and its regulations.


## **The EHIC for students**


Non\-working students are generally able to use their EHIC after filing the S1 form for longer residencies abroad without a problem. There are, however, a few things to keep in mind that might impact your coverage in your new country.   
  
Some countries will only cover students for a limited period of time when they’re abroad. You should contact your insurance provider for the S1 form and the EHIC and ask them if there are any time limits when changing your residency to another country on the list above. For older students (starting at around 28\), this is almost always the case.   
  
Ph.D. students can also run into problems as some countries consider them resident workers regardless of pay. This means they might need to get either public or private insurance when moving abroad. This information can be found through contacting the university they will be completing their Ph.D. at.   
  
It’s also important to still file the S1 form which you will receive and submit to your current insurance provider connected with your EHIC. If your current insurance card is not also automatically an EHIC, you will also need to apply for the EHIC before leaving, so there is no lapse in coverage.   
  
If a student begins working in the new country of residence, they will almost certainly be required to register for that country’s public health insurance. Because the system is not only dependent on which country you are from, but also which insurance you hold in that country along with your reasons for being in Germany, we cannot confidently make a good recommendation for you. Instead, we highly recommend speaking with your insurance before coming to Germany to make sure there is no accidental lapse in coverage.


## **Retiring abroad**


Health insurance abroad after 55 is incredibly tricky, so having the EHIC to fall back on has major benefits. However, as always, there are some things you need to watch out for.   
  
If you are receiving a pension from the country you live in, that country is responsible for your health insurance regardless of pensions received from other countries on the list above.  
  
If you’re not receiving a pension or income from the country you currently live in, you can receive the medical treatment that would be covered in the country where you are drawing your pension from. So, for example, if you worked in Italy for several years, but are originally from France, and then moved to Italy to retire, you would receive the Italian pension and receive Italian healthcare, excluding you from the French system.   
  
Generally, you are only able to seek medical treatment in the country in which you live, but if your pension is from one of the following countries, you are entitled to medical treatment in that country and the country in which you are currently residing:


**Countries which allow you to get treatment when living abroad while receiving a pension**




🇦🇹 Austria   
🇧🇪 Belgium   
🇧🇬 Bulgaria   
🇨🇾 Cyprus   
🇨🇿 Czech Republic   
🇫🇷 France   
🇩🇪 Germany   
🇬🇷 Greece   
🇭🇺 Hungary   





🇮🇸 Iceland  
🇱🇮 Liechtenstein  
🇱🇺 Luxembourg  
🇳🇱 The Netherlands  
🇵🇱 Poland  
🇸🇮 Slovenia  
🇪🇸 Spain  
🇸🇪 Sweden  
🇨🇭 Switzerland





If your country where you have your pension is not listed above, you are only entitled to seek medical treatment in the country in which you currently live.


### **So, it really depends on your situation**


Depending on your situation, country of origin, countries in which you worked and the current country in which you reside, your health insurance coverage might change even with the EHIC.   
  
Because of how complex the system is, we recommend speaking with your current insurance provider to understand all of the specifics of your insurance in another country.   

## Sources


1. [European Commision EHIC FAQs](https://ec.europa.eu/social/main.jsp?catId=857&langId=en&intPageId=1304)
2. [Your Europe – Health insurance in the EU](https://europa.eu/youreurope/citizens/health/when-living-abroad/health-insurance-cover/index_en.htm)
3. [EU Social Security](https://socialsecurity.gov.mt/en/international-relations/eu-coordination-rules/) [Coordination Rules](https://socialsecurity.gov.mt/en/international-relations/eu-coordination-rules/)
4. [Germany’s social security agreements (in German only)](https://www.deutsche-rentenversicherung.de/DRV/DE/Rente/Ausland/Sozialversicherungsabkommen/sozialversicherungsabkommen_detailseite.html)

Made my life 100x easier

[BP] how long is EHIC valid