Health Insurance for Job Seekers in Germany
Health Insurance is a mandatory requirement if you want to apply for a Job Seeker Visa or an Opportunity Card (Chancenkarte) in Germany. Without valid health insurance, your visa application will not be approved. The good news: with Fintiba Plus, you get a complete solution — a digital Blocked Account combined with the exact Health Insurance coverage you need. This makes meeting all visa requirements faster, easier, and fully secure.
Fintiba Plus Package for Job Seekers
The Fintiba Plus Package is designed specifically for job seekers applying for a visa. It provides all the necessary components to ensure a smooth application process.
Blocked Account
Secure your Blocked Account - fast, easy and completely online. Enjoy peace of mind as our Blocked Account is accepted by all German authorities.
Travel Health Insurance
Enjoy 6 months of Mawista Visum travel health insurance, ensuring you are covered abroad.
Private Health Insurance
Choose Mawista Student or Mawista Expatcare Comfort for comprehensive private health coverage.
Quick and Simple
Experience a straightforward application process with Fintiba, getting your visa documents quickly.
Get Fintiba Plus Today
Fintiba Plus is everything you need for your Opportunity Card or Job Seeker Visa in Germany — fast, simple, and reliable.
Customer Testimonials
Fintiba made my move to Germany effortless and quick.
Fintiba Plus Package for the Opportunity Card
The Fintiba Plus Package is designed specifically for job seekers. It offers essential Health Insurance and a Blocked Account to simplify your visa application process.
Since the Opportunity Card is a visa type that allows you to stay in Germany for up to one year, you must show proof of full health insurance coverage for the entire year when submitting your visa application.
This is why some German embassies and consulates around the world do not accept Mawista Visum, as it is only a free travel health insurance option designed for short stays. Instead, they require insurance that covers the full duration of your visa. In these cases, Mawista Reisecare is a suitable solution, as it meets the coverage requirements for the entire year.
Blocked Account
Secure your digital Blocked Account and be able to safely deposit your required blocked amount of €1,091 per month with a German bank.
Mawista Visum
Enjoy 12 months of comprehensive travel health insurance with Mawista Visum.
Mawista Expatcare Comfort
Choose Mawista Expatcare Comfort for tailored private health insurance options.
Flexible Options
Create your account and select the insurance that best fits your needs.
Health Insurance Requirements for Job Seekers in Germany
Anyone applying for a Job Seeker Visa or Opportunity Card (Chancenkarte) in Germany must prove that they have valid health insurance. This insurance must meet the legal requirements set by German authorities and cover medical treatment, emergencies, and hospital care for the entire duration of your stay as a job seeker.
Since the Opportunity Card allows a stay of up to one year, embassies and consulates expect proof of full-year coverage at the time of application. This is why some embassies do not accept short-term travel health insurance options like Mawista Visum. Instead, they often require comprehensive coverage such as Mawista Reisecare, which meets the necessary conditions for visa approval.
Why Do Job Seekers Need Health Insurance in Germany?
What Documents Are Required to Prove Health Insurance?
A formal insurance certificate (in German or English) from your insurance provider
Confirmation of coverage dates that match the intended period of your stay
Proof that your insurance meets German visa requirements, including outpatient, inpatient, and emergency coverage
If you choose a package like Fintiba Plus, all required documents are automatically generated and accepted by embassies worldwide
Get Fintiba Plus Today
Fintiba Plus is everything you need for your Opportunity Card or Job Seeker Visa in Germany — fast, simple, and reliable.
Health Insurance Requirement for Opportunity Card Applicants
If you plan to apply for the Opportunity Card (Chancenkarte) in Germany, you must prove that you have valid health insurance that meets all legal requirements. This insurance must cover medical treatment, hospital stays, and emergencies for the entire period of your stay, which can be up to one year. German authorities will not approve your visa application without appropriate health insurance proof.
Why Is Health Insurance Necessary for Opportunity Card Applicants?
What Type of Health Insurance Is Accepted for the Opportunity Card?
How to Apply for Health Insurance as a Job Seeker in Germany
Applying for health insurance is a key step in securing your Job Seeker Visa or Opportunity Card. You must arrange valid health insurance before your visa appointment, as it is part of the required documents. Many providers, including Fintiba Plus and Mawista Reisecare, allow you to complete the process fully online, making it simple to get your insurance certificate on time.
Steps to apply for health insurance for Job Seeker Visa or Opportunity Card
Here is how you can apply for health insurance as a job seeker:
• Choose a provider that offers insurance accepted by German authorities (e.g. public insurance, Mawista Reisecare, or Fintiba Plus).
• Complete the online application by filling in your personal details and planned stay duration.
• Upload any requested documents, such as a copy of your passport.
• Pay the insurance premium as required by the provider.
• Receive your insurance confirmation. This document will be used for your visa application.
Documents you need to submit
When applying for health insurance for your Job Seeker Visa or Opportunity Card, you typically need to submit:
• A copy of your passport
• The exact dates of your planned stay
• Proof of address (if required by the provider)
Your provider will issue a formal insurance certificate that you can submit at your visa appointment. This certificate must clearly show that your insurance meets all visa requirements.
Frequently Asked Questions about Job Seeker Health Insurance
Many applicants for the Job Seeker Visa or Opportunity Card have questions about health insurance requirements, coverage, and how to apply. Below you will find answers to some of the most common queries related to job seeker health insurance in Germany.
Can I work while on a German job seeker visa?
Yes, but with restrictions. You may take part-time or casual work and, in some cases, trial employment with a potential employer. The main purpose of your stay must still be job searching.
Can I convert a tourist visa to a job seeker visa in Germany?
No. You cannot change a tourist or Schengen visa into a job seeker visa from within Germany. You must apply from your home country or country of legal residence.
Is the German job seeker visa still available?
Yes, but it is now primarily for graduates of German universities and vocational programs. Skilled workers without a German qualification should instead apply for the Opportunity Card.
What is the approval rate for German job seeker visa applications?
While no official statistics are published, approval rates are high for applicants who meet all requirements. Most rejections occur due to incomplete documentation or insufficient proof of funds.
Can I apply for the German job seeker visa from within Germany?
Yes. If you already hold a student residence permit or another long-term visa, you can apply directly at your local Ausländerbehörde before your current permit expires.
Can I extend my German job seeker visa?
No. The job seeker visa cannot be extended beyond the maximum 18-month period. If you don’t find a job in this timeframe, you’ll need to leave Germany or apply for another visa type from abroad.
How long can I stay in Germany on a job seeker visa?
The visa is valid for up to 18 months if you graduated from a German university or completed recognized vocational training in Germany. The countdown starts from the date you officially complete your studies or training, not from when your visa is issued.
Required funds for the German job seeker visa
You must prove you have enough funds to cover your living expenses for the entire visa period. The usual benchmark is €992 per month (as of 2025). Most applicants use a Blocked Account for this, but a Declaration of Commitment may also be accepted.