Germany Schengen visa insurance: what German missions publish

Last updated: October 3, 2026 · By the SchengenCompare editorial team

Quick answer

What do German missions ask for in Schengen visa insurance? The same EUR 30,000 minimum as everyone else, valid in all Schengen states for the whole stay. On top of that, some German missions publish extra conditions: the declaration forms in Dubai, Kuwait and Kathmandu say the insurer must have an office in a Schengen state, and the missions in the United States say the letter must spell out evacuation and repatriation and that no deductible is accepted. Rules differ by mission, so check the page of the one that handles your file.

Applicants often hear that Germany is stricter than other countries. We could not find that stated as a rule, so this page sticks to what the German missions themselves publish, with links to each source, and then shows what it means for the six providers we compare.

What German missions publish

German mission	What its page or form says about insurance
Consulate General Dubai (declaration for multiple-entry visas)	Minimum cover EUR 30,000 per person; valid in all Schengen states; the insurance company must have an office in a Schengen state, Switzerland or Liechtenstein; cover for repatriation, urgent medical treatment and emergency hospital treatment; validity at least as long as the trip.
Embassy Kuwait (declaration)	The same four criteria, including the insurer-office condition (Schengen state, Switzerland or Liechtenstein).
Embassy Kathmandu (declaration)	The same criteria; the office condition names "a Schengen state or in Liechtenstein".
German missions in the United States	The letter from the insurer must clearly state at least EUR 30,000 valid for all Schengen states, cover for treatment, hospitalisation, evacuation and repatriation, with the amount spelled out (or "unlimited"). "No reimbursement, deductible or co-pay is accepted." Evacuation, repatriation and repatriation of remains must be spelled out. Your name must appear, and the cover must last the whole stay.
Embassy Tunis	Insurance valid for all Schengen states, EUR 30,000 minimum, valid for the whole stay. It says all larger insurers in Tunisia offer a compliant policy, that it makes no difference where the policy was bought, and that no company has a privileged relationship with the embassy. No insurer-office condition is mentioned.

Sources: the five official pages linked in the table, read October 3, 2026. These are examples, not the full list of German missions.

What it means for our six providers

The insurer-office condition and the deductible sentence are the two places where a provider's structure can matter. Here is what our provider table says. Whether a particular insurer satisfies a mission's condition is for that mission to decide.

Provider	Insurer and regulation (our provider table)	Deductible (our provider table)
AXA Schengen	AXA Group; EU-regulated	None on the standard tier (not read in the policy wording)
Europ Assistance	Europ Assistance S.A. (France), Irish branch; EU-regulated	None
Heymondo	IRIS GLOBAL (Spain); EU-regulated	Set in the plan-specific conditions issued at purchase
SafetyWing	SafetyWing Insurance I.I., Puerto Rico; not EU-regulated	None
EKTA	Auras Insurance LLC, Comoros; not EU-regulated	25% on the entry Start plan, none on Gold and Max+
AURAS	Auras Insurance LLC, Comoros; not EU-regulated	$100 (or EUR 100) per claim by default; zero-deductible option (about $17, per AURAS's own page)

We have not confirmed whether SafetyWing, EKTA or AURAS has an office in a Schengen state. If your German mission's page includes the office condition, ask it before buying from one of those three, or choose an EU-regulated insurer. If your mission follows the US wording, a plan with a deductible (EKTA Start, AURAS by default) is the one to ask about.

How to check before you buy

Find your mission's insurance page or declaration. Search the mission's site for "travel health insurance" or "Reisekrankenversicherung", and note whether it mentions an insurer office or deductibles.
Check the certificate, not the plan page. Our free certificate checker walks through the Article 15 items in two minutes.
If a condition is unclear, ask the mission in writing before you pay, and keep the reply.

What this page does not say

It is not a statement about how a visa centre or an individual officer will read your certificate.
The five sources are examples. Other German missions may publish different wording, and pages change.
Visa decisions are made by the German mission, and nothing here is a guarantee.

Frequently asked questions

Does Germany require more than the EUR 30,000 Schengen minimum?

No. The published German requirement for the amount is the same EUR 30,000 as in Article 15 of the Visa Code. What some German missions add are conditions about the insurer (an office in a Schengen state) and, in the United States, how the confirmation letter is worded.

Does the insurance company have to be based in the Schengen area?

It depends on the mission. The declaration forms of the German missions in Dubai, Kuwait and Kathmandu say the insurance company must have an office in a Schengen state (and Switzerland or Liechtenstein, in the Dubai and Kuwait versions). The German embassy in Tunis publishes no such condition and says it makes no difference where the policy was bought. Check the page of the mission that handles your application.

Are deductibles accepted for a German visa?

The German missions in the United States say no reimbursement, deductible or co-pay is accepted and that the amount must be spelled out. We did not find the same sentence on the other mission pages we read, so check yours. Plans with no deductible, such as AXA's standard tier, Europ Assistance and SafetyWing in our data, avoid the question.

Which of the six providers on this site are based in the EU?

AXA Schengen, Europ Assistance (Irish branch of a French company) and Heymondo (underwritten in Spain) are EU-regulated. SafetyWing is underwritten in Puerto Rico, and EKTA and AURAS by the same company in the Comoros, so those three sit outside EU regulation. We have not confirmed whether any of them has an office in a Schengen state.

Does it matter where I buy the policy?

For the German embassy in Tunis it does not: it says it is irrelevant where the insurance was bought and that no company has a privileged relationship with the embassy. That page is one mission's statement, not a rule for every mission.

Applying through a German mission?

Compare plans, then check the certificate against the checklist before you submit.

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