What is travel health insurance?

Travel (or incoming) health insurance is short-term medical coverage designed for your initial stay in Germany.

When travel health insurance is typically needed

It is commonly used:

• for visa applications
• from arrival in Germany until enrollment or access to public student health insurance
• during preparatory phases or other short stays requiring temporary coverage

It is not intended as a long-term replacement for public health insurance during studies.

When travel health insurance is typically needed

Most travel health insurance plans focus on:

• emergency medical treatment
• acute illness and accidents
• medically necessary care during a limited period

Coverage limits, duration, and age restrictions vary by provider and plan.

What is usually covers

Travel health insurance typically:

• has time limits (e.g. a maximum number of days)
• may not cover pre-existing conditions
• is often not accepted as long-term insurance once you are fully enrolled at a university

Because requirements can differ, it’s important to check what is accepted for your specific visa and study situation.

Travel Health Insurance Providers