Can I get insurance from Turkey before coming to Germany?

Yes, you can get visa insurance from Turkey — in fact, it is mandatory for your visa application. But after you arrive in Germany, you must switch to GKV/PKV.

#Visa Insurance (from Turkey)

#Companies Approved by the German Consulate

• Hanse Merkur Visa Protect (Germany-based, worldwide)
• Care Concept Visum Plus (Germany)
• Mawista Visum (Germany)
• Allianz Travel (Germany/international)
• Fintiba Plus package (Germany + package with Sperrkonto)

#Companies Based in Turkey (ATTENTION!)

• Anadolu Sigorta, Aksigorta, Allianz Türkiye are NOT accepted by the German consulate
• Only Germany/EU-based insurances are valid

#Online Application

• Hanse Merkur, Mawista, Care Concept — certificate arrives within 24 hours with online application + payment
• You pay with a credit card and receive the certificate via email
• You can submit it as a PDF to the consulate

#Visa Insurance Details

• Duration: Generally 3-6 months (as long as the visa start date)
• Coverage: 30K € minimum (consulate requirement)
• Scope: Emergency medical, hospital, repatriation (transfer to Turkey)
• Monthly price: 22-30 € (Hanse Merkur), 27-32 € (Care Concept)

#WHY Can't Visa Insurance Be Obtained from Turkey?

• Turkish insurance is subject to Turkish law — not valid in Germany
• There is a list of insurance companies approved by the consulate (the ones above)
• Even if a Turkish insurance policy states "valid in Germany," hospitals in Germany will not accept it

#Switching from Visa Insurance to GKV

Visa → Arrival in Germany → University enrollment process:

1. Visa insurance is sufficient for the first 1-3 months
2. GKV application is mandatory during university enrollment (TK, AOK, Barmer etc.)
3. Once GKV application is made, cancel your visa insurance (unused months are refunded)
4. Get GKV approval document, submit it to the university

If you are over 30, PKV (private insurance) is an option — including Bachelor students.

#Important Visa Strategies

#Which Insurance to Choose?

#Savings Tips

• Annual payment (15-20% cheaper than monthly)
• Fintiba/Expatrio package when Sperrkonto + insurance are purchased together, you save on commission
• Cancel after arriving in Germany — unused months are refunded

#Conclusion

• ✓ Get Germany/EU-based visa insurance from Turkey (Hanse Merkur, Mawista, Care Concept, Allianz, Fintiba)
• ✗ Turkish insurance companies are not accepted for visas
• ✓ Switching to GKV is mandatory upon arrival in Germany

Related: Visa insurance | Fintiba package.