Is 30K Euro covered insurance enough for the visa?

Yes, 30K € insured coverage is accepted for the visa — Schengen + national visa requirement.

#Visa Insurance Criteria (2026)

• Minimum coverage: 30,000 € (health, accident, hospital, repatriation)
• Duration: Must cover the visa validity period (generally 3-12 months)
• Must be valid in Germany
• Schengen area included

#Visa Approved Insurance Companies

All these insurances are temporary (visa insurance) for visa application purposes — after receiving your visa and arriving in Germany, transitioning to GKV is mandatory.

#Visa Insurance vs GKV Comparison

#Process

1. Before visa application: Get 3-6 months of insurance from Hanse Merkur or Mawista (24-30 €/month).
2. Add the insurance certificate to your visa documents.
3. After receiving your visa, come to Germany.
4. Choose a GKV (TK/AOK/Barmer) for university enrollment.
5. After applying for GKV, cancel your visa insurance (refund for unused months).

#Important Notes

• Anmeldung may not be required for GKV application, but a GKV confirmation document is necessary for university enrollment.
• Can visa insurance be from a TR source? — Companies in Turkey are not accepted by the German consulate (Hanse Merkur's Turkish representative makes different contracts).
• Coverage above 30K € is not mandatory for the visa, but premium coverage is recommended (especially for those aged 30+).

#Strategy

• Fintiba Plus package (Sperrkonto + Insurance in one package) - most practical
• Mawista Visum cheap + flexible (easy to cancel once visa is issued)
• Paying annually is 15-20% cheaper than monthly for students

Related: Fintiba insurance | Insurance from Turkey.