Health Insurance for foreign guests and temporary visitors in Germany
Visum at a glance
Maximum entry age
Notice of termination
Via telephone, fax or e-mail
Proof of insurance
MAWISTA health insurance tariffs are recognised as sufficient by official authorities for granting a temporary residency permit in Germany, Switzerland and the Schengen states
If you have questions about the MAWISTA Visum health insurance, our staff will be glad to assist you in person. In case of claims, our emergency hotline is available 24 hours a day so that you can feel well-provided for in all locations.
AWP P&C S.A.
Niederlassung für Deutschland
85609 Aschheim (bei München)
What do I need to know about health insurance tariffs?
Liability insurance pays costs for damages caused inadvertently by you in daily life. This includes property damage (damage to or destruction of property) and personal injury (damage to health, injury or death of third parties). For property and personal damage, the sum insured is up to €1,000,000 per person and up to €250,000 for damage to rental property (for example, water damage caused by you).
The incoming health insurance MAWISTA Visum is recognised by Schengen authorities, both for Germany as well as for stays in all EU countries, Norway, Iceland, Switzerland, Liechtenstein and the United Kingdom.
If your family will be staying for less than six months, MAWISTA Visum is a good choice.
Each family member must take out insurance separately. We do not offer family insurance that covers several people.
What do I do if I fall ill or have an accident?
If the illness is minor (for example, you have the flu, headaches or have had a minor accident), we recommend you visit a general practitioner in your local area. The doctor who treats you can then refer you to a specialist if need be. If you have toothache, you should go straight to a dentist.
If you have severe pain, a serious accident or need to see someone outside of normal opening hours (for example at the weekend), please visit an on-call doctor's practice that offers an emergency service or a hospital. If you need to stay in hospital as an inpatient (e.g. for an operation), contact your insurer immediately. In this case, your insurer's emergency call centre team will clarify the details of how the costs will be covered directly with the hospital. The advantage of this is that you do not need to pay high hospital bills as the insurer will pay your costs directly.
Our emergency call centre team are available 24 hours a day:
Tel.: +49 89 6242 4496
Fax: +49 89 6242 4246
The prerequisite for obtaining a declaration of cost acceptance is the treatment of an acute illness (no previous illness) that is medically necessary and cannot be postponed.
Please submit the following documents so we can check that you meet these prerequisites:
- Detailed report on findings by the doctor who ordered the operation
- Medical history
- Information about when the operation will take place
- Information about where the operation will take place
How do I submit a bill?
Please use our claim form to submit your bill and make sure you complete it in full. Once you have sent the form, you will receive an automatic confirmation of receipt via email. The insurer will then check whether your bill can be refunded and deal with the rest.
So they can check hospital bills, your insurer will need the following documents:
- Admission notification from the hospital
- Discharge notification from the hospital
- Full discharge report
What is insured; what isn’t insured?
Costs for medication will be covered provided they have been prescribed by a doctor for medically necessary treatment of an acute illness.
With MAWISTA Visum, the insurer will generally only reimburse treatment that is medically necessary and has occurred after the start of the insurance term. Treatment for pre-existing conditions will therefore not be paid for by the insurer.
The conditions of insurance in section 3 outline the cases where there is no insurance cover:
- Medical treatment and other measures ordered by a physician, where the purpose of travel was to seek such treatment
- Medical treatment and other measures ordered by a physician that the insured person knew were necessary prior to inception of insurance cover or at the time of taking out the insurance or which he or she could have expected in the circumstances of which he or she was aware
- Alcoholism, drug addiction and other addictions, and the consequences thereof
- Childbirth after the 36th week of pregnancy as well as abortions and the consequences thereof that are not medically indicated and can be postponed
- Injuries caused by actively participating in competitions held by sports organisations and training in connection therewith
- Dental treatment other than analgesic treatment and repairs to dentures and provisional inlays costing more than EUR 250 per stay
- Massage treatments, as well as the procuration of artificial limbs and other aids
- Treatment of psychiatric or mental disorders, as well as hypnotism and psychotherapy (including associated medication and return hospital transport)
- Treatment or placement due to infirmity, the need for nursing care or custody (including return hospital transport)
- For fees and charges which exceed the extent considered generally customary and reasonable in the country concerned and for optional benefits such as a single room or treatment by the head physician.
We will cover you if you fall ill with COVID-19 during your stay abroad.
The following benefits are covered, provided they have been ordered by a doctor:
- Medically necessary treatments
- Costs for in-patient quarantine
- PCR test (if symptoms present)
What do I need to know about Schengen visas, applying for them and extending them?
You submit your visa application to the embassy or consulate general (diplomatic mission) of the Schengen country you wish to enter. Each diplomatic mission is responsible for a specific administrative district. The office you need to apply to therefore depends on your usual residence or domicile. You submit your visa application with all the required documents in person. You can submit your visa application electronically to the Federal Foreign Office.
Processing your application for a short-term visa normally takes 2-10 working days. However, if you plan to travel in peak tourist season, you may experience delays. If you are planning to stay for longer or need a work permit, it might take several months to process your visa. We therefore recommend applying early.
For private visits, you normally need an ‘invitation’. This means a formal declaration of commitment is required. Your host can obtain the relevant form from the diplomatic mission responsible for their place of residence or from the public order office. As part of this declaration, your creditworthiness is normally checked and signature authenticated. By submitting the declaration of commitment, the host is liable for healthcare costs that cannot be paid by the guest themselves. They are obliged to guarantee the livelihood (food, accommodation, clothing etc.) and health care in the case of illness and if care is required. They must also agree to cover the costs if the guest needs to be repatriated.
MAWISTA Visum can also be taken out by Germans living abroad for a temporary visit to Germany.
Want to find out more? Find out more about the details of the declaration of commitment here.
The Schengen area is an alliance of 26 countries whose aim is to remove physical border controls. With a Schengen visa, you gain an entry and exit permit for all countries in the Schengen zone. Member states are Belgium, Denmark, Germany, Estonia, Finland, France, Greece, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Austria, Poland, Portugal, Sweden, Switzerland, Slovakia, Slovenia, Spain, Czech Republic and Hungary.
A current list of countries requiring a visa can be found on the Federal Foreign Office website.
The maximum term for MAWISTA Visum is 183 days. You can apply for MAWISTA continued insurance cover. It is important to apply for this before your original contract expires.
Continued insurance cover only covers acute illness that occur after the application for continued insurance cover (conclusion date).
If you have any questions, our staff would be happy to help you. You can get in touch with us from Monday to Thursday, 9 a.m.-5 p.m. and Friday 9 a.m.-4 p.m. on +49 7024 469 510.
MAWISTA Visum is particularly suitable for those applying for a visa in a Schengen country.
If you want to extend your stay in Germany e.g. to attend a language school, study, as a researcher or expat, we offer health insurance policies with longer terms of up to five years, such as MAWISTA Student and MAWISTA Expatcare. Our team would be happy to advise you on a suitable MAWISTA continued insurance contract.
You can get in touch with us from Monday to Thursday, 9 a.m.-5 p.m. and Friday 9 a.m.-4 p.m.
Tel.: +49 7024 469 510
For private visits, you normally need an ‘invitation’. This means a formal declaration of commitment that your host must enter into for the period of your visit. The relevant form can be obtained from the diplomatic mission responsible for their place of residence or from the public order office. As part of this declaration, your creditworthiness is normally checked and signature authenticated. By submitting the declaration of commitment, the host is liable for healthcare costs that cannot be paid by the guest themselves. They are obliged to guarantee the livelihood (food, accommodation, clothing etc.) and health care in the case of illness and if care is required. They must also agree to cover the costs if the guest needs to be repatriated.
A visa can only be extended in specific, justified exceptional circumstances. The German immigration authority in your guest’s place of residence in Germany is solely responsible for this. Only this authority can decide whether a visa can be extended during a stay in Germany.