Incoming health insurance for parents visiting Germany

If your parents need a Schengen visa to visit Germany, they generally need qualifying travel medical insurance for their visa application.

The insurance must meet the applicable Schengen requirements for their trip.

Even where insurance is not required for a particular stay, medical cover is worth considering because treatment in Germany can be expensive without insurance.

Yes. You can arrange incoming health insurance for your parents or other family members travelling from India to Germany.

You will normally need information such as their age, travel dates and personal details to arrange the cover.

Suitable incoming health insurance can be used as proof of medical insurance for a Schengen visa when the selected plan meets the applicable visa requirements.

TravelSecure Incoming is designed to meet the applicable requirements of the Schengen Visa Code.

You receive an insurance certificate that can be used as proof of cover for the visa application.

It is best to arrange the insurance before the visa application or before the trip begins.

Choose an insurance period that covers the required travel dates and make sure the dates correspond with the planned stay.

Cover starts on the agreed insurance date shown on the policy.

For visitors, this is normally arranged around the start of the insured trip. Always check the exact insurance period before travelling.

This depends on the plan.

TravelSecure Incoming can provide temporary health insurance for stays of up to 365 days.

Choose the insurance period based on the planned duration of the visit.

Depending on the plan, incoming health insurance can cover eligible costs for:

• Medically necessary outpatient treatment
• Inpatient hospital treatment
• Prescribed medication
• Emergency dental treatment
• Medical aids
• Emergency assistance
• Medical return transport
• Search, rescue and recovery

The exact benefits, limits and exclusions are defined by the selected plan.

Incoming health insurance is primarily designed for unexpected illnesses and accidents during the insured stay.

Pre-existing conditions, ongoing treatment and treatment that was already planned before the trip may be excluded or restricted.

This is particularly important when arranging cover for older parents or someone with an existing medical condition.

Yes. TravelSecure Incoming is also available for older visitors.

The premium depends on the insured person’s age. Different daily rates apply for people up to age 64, ages 65–74 and age 75 and above.

This makes it important to enter the age of the person travelling, not the age of the person arranging the insurance in Germany.

Yes. TravelSecure Incoming covers eligible medically necessary inpatient hospital treatment according to the plan conditions.

This is an important part of incoming health insurance because hospital treatment without suitable insurance can result in significant costs.

Incoming health insurance generally covers emergency or pain-relieving dental treatment rather than routine or planned dental care.

TravelSecure Incoming includes eligible pain-relieving dental treatment, basic fillings and certain temporary dental repairs according to the plan conditions.

It is not a replacement for comprehensive dental insurance.

TravelSecure Incoming includes eligible return transport when it meets the conditions of the plan.

The exact circumstances under which return transport is covered are important, so check the plan wording rather than assuming that every return flight for medical reasons is automatically insured.

Incoming health insurance can sometimes provide temporary cover for a spouse or family member during the period before regular German health insurance begins.

However, visa and residence requirements depend on the individual situation. Incoming insurance should therefore not automatically be treated as a permanent substitute for GKV or PKV.

We can help you check which type of health insurance is appropriate for your family member’s situation.

Incoming health insurance is temporary cover primarily designed for visitors and other defined short-term situations.

German public health insurance (GKV) and private health insurance (PKV) are designed for people who need regular health insurance while living or working in Germany.

If your parents are only visiting from India, incoming health insurance may be appropriate for their stay. If someone is moving permanently to Germany, their long-term health insurance situation should be checked separately.