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The two basic requirements for the visa application process are always included in your Blocked Account Package.

1. Sufficient funding of your stay in Germany. This part would be covered by the Blocked Account of Fintiba.

2. Proof of a adequate Health Insurance. This is covered by MAWISTA Visum with an UNLIMITED amount. More than the € 30,000 requested by the Consulates and Embassy for the Visa Insurance.

Besides the governmental (statutory) and the private health insurance, the incoming insurance is a type of travel health insurance for incoming guests (students and many others) for their visit in Germany. Incoming insurance is important if you arrive in Germany prior to your actual enrollment date. This is because your statutory health insurance only protects you in case of illness from the date of your enrollment onwards. Meaning you will not be insured for the days or weeks in between your arrival date and actual start of studies. Incoming insurance is a cheap and effective way to protect you against that risk.

In general, you could decide by yourself, if you want to be insured with a private or a public health insurance, at the time you are enrolling at the university.
As soon as you apply for private health insurance, as a student, you will need an exemption from the obligatory statutory health insurance when enrolling at the university. This decision is binding for the whole duration of your study, so you will not be able to switch back to statutory health insurance.

IMPORTANT: As a student aged older than 30 years, or after the 14th semester of your study, it is not possible to get insured with the public health insurance, so you must choose the private health insurance.