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 — designed around typical embassy requirements for entry insurance
- 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.
Trusted partners
Verified product partners for studying in Germany
Germany for Students works with established partners for blocked accounts, statutory student health insurance, and incoming insurance.
Student voices
What students say about visa & incoming insurance
Experiences from international students who arranged incoming / visa-phase insurance for arrival in Germany.
“I needed insurance for the period between my arrival in Germany and the beginning of my studies. The difference between incoming insurance and regular student health insurance was explained very clearly. This helped me select the correct insurance period for my situation.”
Linh
Student from Vietnam
“After receiving my admission letter, I wasn’t sure which steps I needed to complete before applying for my German student visa. Germany for Students helped me understand the blocked account and insurance requirements and the order in which I should arrange them.”
Priya
Admitted student from India
“The instructions were clear, and I completed my application in about 20 minutes. I especially appreciated the checklist showing which information and documents I needed to prepare before starting.”
Rahul
Student from India
Names shown as first names only. Quotes reflect individual student experiences with Germany for Students.
What is MAWISTA Visum?
MAWISTA Visum is incoming health insurance for travel to Germany, Switzerland, and Schengen countries. Medical treatment is covered within the tariff — without a fixed sum insured for medical treatment, but with exclusions and benefit limits in the policy terms. The tariff is designed around typical Schengen visa health-insurance requirements. It does not replace student health insurance for university enrollment.
- 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 the visa application and the period between arrival and the start of statutory student health insurance, you often need valid proof of coverage. Incoming insurance is designed for exactly this gap.
Often needed for the visa file
Many embassies require Schengen-compliant health insurance. Without suitable proof, a visa application can be refused — even if statutory student 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 — within the policy terms, including the exclusions stated there.
Why MAWISTA?
MAWISTA specializes in health insurance for international students, language students, and visitors to Germany. MAWISTA Visum is incoming/travel insurance and does not replace student health insurance for university enrollment.
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 typically need student health insurance for university enrollment later; incoming insurance does not replace it.
- •No fixed sum insured for medical treatment does not mean every benefit is unlimited. Exclusions and partial limits are in the MAWISTA terms.
- •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.