Is Fintiba's insurance package accepted for a German visa?
Yes, Fintiba's insurance package is accepted for a visa at German consulates. All German consulates (Istanbul, Ankara, Izmir, Antalya) approve it.
Fintiba Plus Package Details
84 € per month (visa insurance + Sperrkonto (blocked account) management fee)
Contents
✅ Hanse Merkur Visa Protect visa insurance (30K € coverage)
✅ DR-WALTER Krankenversicherung automatic transition after arriving in Germany
✅ Sperrkonto (blocked account) management (89 €/year fee included in this package)
✅ Insurance + blocked account in one panel
Documents Provided for Visa
Versicherungsbescheinigung(Insurance certificate) — to be submitted to the consulate with your visa application- 30K € coverage, valid for Schengen
- Valid in Germany, including hospital stays
Visa Approved Status
✅ Directly accepted by German consulates in Istanbul, Ankara, Izmir, Antalya, Trabzon ✅ The IDATA service partner list includes a Fintiba reference ✅ Other German consulates (Europe, Asia) also accept it
Advantages
✅ Sperrkonto (blocked account) + insurance in one package — no separate fees
✅ Online opening — application completed from Turkey in 2-3 days
✅ Turkish language support via chat
✅ After visa approval, automatic GKV (public health insurance) transition assistant when you arrive in Germany
Disadvantages
❌ 84 € per month is a bit expensive — if you get visa insurance separately + Sperrkonto (blocked account) separately, it can be around ~60-70 €/month
❌ GKV (public health insurance) transition is mandatory — if you're under 30 and a university student in Germany, you need to switch to TK/AOK/Barmer (Fintiba insurance is temporary)
❌ If the cancellation process exceeds 14 days, premiums continue until the end of the month
Comparison: Fintiba Plus vs. Separate Package
| Service | Fintiba Plus | Separate Package |
|---|---|---|
Sperrkonto (blocked account) management |
89 €/year | 89 €/year (Fintiba Basic) |
| Visa insurance 1 year | Included in package | 240-300 € (Hanse Merkur) |
| Total annual | ~1,008 € | ~329-389 € |
⚠️ The Plus package is a bit expensive — you save money if you get them separately. However, many prefer Plus for the convenience of "one panel + one point of contact."
Important
⚠️ After arriving in Germany, GKV (public health insurance) registration is mandatory — Fintiba/Hanse Merkur insurance cannot be used long-term as a student in Germany.
⚠️ Universities require a GKV (public health insurance) approval document (from TK, AOK, etc.). The Fintiba certificate is temporary and not sufficient for the university.
Related: Is 30K Euro coverage enough for visa insurance | How much money is needed for a Sperrkonto.
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