What is the difference between Fintiba Basic and Plus, and which one is sufficient for a national visa?

Fintiba has two packages; both are accepted for the visa, but the scope difference varies depending on the student.

#Comparison

#For the National Visa?

From the consulate's perspective, both are accepted, because two main documents are required for the visa: Sperrkonto proof + insurance. Basic does not include insurance, so you need to get separate insurance.

#Which One Is Right For You?

Choose Basic + separate insurance if:

• you know which insurance you want (Care Concept, Mawista etc.)
• you have prior experience with arranging insurance
• your budget is tight (Basic + cheap insurance = ~120 €/total for the first year)

Choose Plus if:

• you want "everything to be handled in one package"
• you are going to Germany for the first time and don't want to feel overwhelmed
• you want them to prepare your student GKV transition with TK (you will then arrange the transition to TK yourself)

#Practical Numbers

12-month total:

• Basic + separate travel insurance: ~89 + (4.9 × 12) + (50 × 12) = ~750 €
• Plus: ~89 + (9.9 × 12) = ~210 € (includes first 90 days of insurance, then GKV)

Plus is more economical in the long run.

Related: Sperrkonto alternatives