Health insurance for your visa & entry to Germany
Incoming Insurance for International Students
For your visa application and the first weeks in Germany you often need Schengen-compliant health insurance — before statutory student insurance (KVdS) takes effect. With MAWISTA Visum you are covered from day one.
- Schengen-compliant — recognized by embassies and consulates
- Insurance certificate by email right after purchase
- Multiple entries within the Schengen area during the insured period
- Temporary solution — not a substitute for statutory student insurance
From €15
One-time premium · MAWISTA Visum · 8–183 days
Note: FinEase is not an insurer but connects you with suitable offers. You conclude contracts with the respective provider.
What is MAWISTA Visum?
MAWISTA Visum is an officially recognized health insurance for travel to Germany, Switzerland, and Schengen countries. In case of illness or accident, insured medical costs are reimbursed without limit — meeting the requirements of many embassies for a Schengen visa.
- Choose coverage duration: 8 to 183 days (6 months)
- Valid insurance certificate by email immediately after purchase
- Multiple entries into the Schengen area during the insured period
- Ideal for students, language courses, Studienkolleg, and the period before KVdS starts
Why do you need incoming insurance?
For your visa application and the gap between arrival and the start of statutory health insurance, you need valid proof of coverage. Incoming insurance closes exactly this gap.
Visa requirement
Embassies often require Schengen-compliant health insurance. Without proof, no visa — even if statutory insurance only starts later.
Covered from arrival
Statutory student insurance often starts with enrollment or semester start. MAWISTA Visum protects you from your travel date.
Real medical protection
Outpatient and inpatient treatment, emergencies, medication, and repatriation — you are not left with the bill.
Why MAWISTA?
MAWISTA specializes in health insurance for international students, language students, and visitors to Germany, and is recognized by authorities and universities.
Your benefits
- MAWISTA Visum tariff — Schengen-compliant
- One-time premium instead of monthly payments
- 24/7 medical assistance / emergency hotline
- Free choice of doctors and hospitals in Germany
- Travel liability included (personal, property & rental damage)
Tariff at a glance
- Coverage duration
- 8 to 183 days (6 months)
- Maximum entry age
- 80 years
- When to purchase
- Before entry, up to 1 month after entry
- Payment
- One-time via direct debit or credit card
- Deductible
- Only from age 65
- Covered region
- Germany, Switzerland & Schengen states
- Extension
- Follow-up insurance available
- Validity
- Multiple entries/exits possible
Prices & durations
One-time premium — price depends on duration only (not monthly).
For most students under 30, 1–3 months is usually enough (approx. €40–110).
MAWISTA Visum · Single travelers up to age 64
| Duration (days) | One-time premium |
|---|---|
| ≤ 8 | €15 |
| ≤ 15 | €25 |
| ≤ 31 | €40 |
| ≤ 45 | €55 |
| ≤ 62 | €75 |
| ≤ 92 | €110 |
| ≤ 183 | €220 |
MAWISTA Visum · Single travelers aged 65–80
Deductible €100 per person for outpatient treatment and €500 per person for inpatient treatment.
| Duration (days) | One-time premium |
|---|---|
| ≤ 8 | €30 |
| ≤ 15 | €50 |
| ≤ 31 | €80 |
| ≤ 45 | €110 |
| ≤ 62 | €150 |
| ≤ 92 | €220 |
| ≤ 183 | €490 |
Coverage overview
- 24/7 medical assistance / emergency hotline
- Outpatient medical treatment
- Inpatient hospital treatment
- Prescribed medication and dressings
- Medical aids (crutches, wheelchair)
- Transport to nearest suitable hospital
- Repatriation costs in case of death
- Emergency dental pain relief, denture repairs€250 / year
- Search, rescue & recovery after accident€5,000
- Travel liability — rental property damage€250,000
- Travel liability — personal & property damage€1,000,000
How to apply via Germany for Students
- 1
Register for free
Create your account — we guide you step by step through everything you need for your studies.
- 2
Start incoming insurance
In your dashboard, choose MAWISTA Visum, duration, and start date to match your visa and travel.
- 3
Application to MAWISTA
We securely forward your application to MAWISTA. The contract is concluded directly with MAWISTA GmbH.
- 4
Receive your certificate
You receive the insurance certificate by email — in time for your visa appointment.
Important notes
- •Incoming insurance is temporary only — not statutory student health insurance (KVdS).
- •You will need statutory student insurance for university enrollment later.
- •Not needed if you already have valid KVdS proof before arrival (e.g. DAK).
- •Purchase before entry is recommended; possible up to one month after entry.
- •Benefit details and exclusions: MAWISTA terms and product information sheet.
Frequently asked questions
Do I need incoming insurance if I already have statutory insurance?
No. If you already have valid proof of statutory health insurance, you usually do not need incoming insurance.
How long should I insure?
Usually 1–3 months — until your statutory student insurance starts (semester or contract start).
What does one month cost?
Up to 31 days costs a one-time €40 with MAWISTA Visum for travelers under 65 — not per month.
Does MAWISTA Visum replace statutory student insurance?
No. MAWISTA Visum covers visa, travel, and the transition period. For regular studies you need KVdS.
Ready for your studies in Germany?
Register for free — we help you with incoming insurance, health insurance, and all other steps.
Register for freeThe insurance contract is concluded directly with MAWISTA GmbH. Germany for Students (FinEase Financial Service GmbH) acts as insurance broker and may receive commission for successful referrals.