FINTIBA PLUS
Individualised Bundle of Blocked Account and Health Insurance for Your Stay in Germany

✔ Free Travel Health Insurance worth € 95.001

We know that your time is valuable.

Save time and let us take care of what you need for your stay in Germany.

We offer a tailor-made solution with free additional services for visa application and more supported by individual Customer Care. You only provide us with a few personal details and we take care of what you really need.

Preparing your visa application has never been easier. Get your blocked account together with the required health insurance within one solution – Covering everything from your visa appointment until the enrolment at your university – everything fully digital and app-based.

Officially Approved

by the German Federal Foreign Office

Recommended

by major German universities

Trusted

by customers from >170 countries

The Fintiba Plus package covers all eventualities

Depending on the purpose of your stay, the duration of your previous studies and your age, your package will include some or all of the following components – but always only what you need:

Download the Fintiba App on:

      

Download the Fintiba App on:

       

Everything will be individualised to your personal situation

By just providing us with a few details about your person and your plans in Germany we evaluate which health insurance your tailored package needs to include

Visa

Blocked Account and Free Travel Health Insurance to prove your financial means and insurance coverage for your visa

Preparation Course

(If applicable) Private Health Insurance to cover the insurance gap up to your official university enrolment

University

A Governmental Health Insurance will become effective as soon as you are enrolled at a German university

The Fintiba Plus Package offers many advantages

  • Free Travel Health Insurance for your visa application worth € 95.001

  • Integrated online health insurance process
  • Travel as well as Statutory Health Insurance have unlimited insurance coverage 
  • Travel Health Insurance includes Travel Liability Insurance
  • No need to visit a local insurance office in Germany
  • All relevant information always available at your fingertips in the Fintiba App
  • Step by step guidance through the process and personal customer care
  • All digital documents for your enrolment already available prior to arrival in Germany

Blocked Account

Fast

Blocked Account opening in less than 10 minutes3

Secure

Blocked Account opening in your name to guarantee security and facilitate international money transfers

Fair

Saving on monthly fees in case the visa is rejected

Efficient

German Euro account (no problems with conversion rates or at local authorities)

Guaranteed

Highest security of the money due to the German deposit protection fund

Easy

No registration letter (Anmeldung) needed to ensure fast money access in Germany

Travel and Private Health Insurance 

Travel Health Insurance

  • Free of charge within the Fintiba Plus package1
  • In accordance with all authority requirements2
  • Unlimited insurance coverage (more than € 30,000.00 are covered)
  • Valid for the agreed period within 12 months from the applied start of insurance – multiple entry and exit is possible
  • Coverage complies with the requirements of the European Parliament and Council

Private Health Insurance

  • Valid for 48 months (automated cancellation in case you switch to governmental health insurance)
  • The insured services are paid 100% by the insurer (with the exception of maximum limits for special services such as glasses or dental prostheses) 
  • Insured region: Germany and the states of the EU, as well as Switzerland, Liechtenstein, Norway and Iceland (if these countries are not the country of origin or the standard place of residency)

Travel and Private Health Insurance 

Travel Health Insurance

  • Unlimited insurance coverage (more than € 30,000.00 are covered)
  • € 0.00 self-retention
  • Valid for the agreed period within 12 months from the applied start of insurance – multiple entry and exit is possible
  • Free of charge in case your visa has been refused
  •  Coverage complies with the requirements of the European Parliament and Council

Private Health Insurance

  • Valid for 48 months (automated cancellation in case you switch to governmental health insurance)
  • The insured services are paid 100% by the insurer (with the exception of maximum limits for special services such as glasses or dental prostheses) 
  • Insured region: Germany and the states of the EU, as well as Switzerland, Liechtenstein, Norway and Iceland (if these countries are not the country of origin or the standard place of residency)

Governmental Health Insurance 

Free ISIC Card

3 years free International Student Identity Card for discounted flights, accommodation, entries in museums and theatres etc.

Appointment Service

Telephone service for doctor recommendations and to book your appointment with a specialist doctor

Cost Coverage

various medical services and preventive check-ups are covered (e.g. professional tooth cleaning or HPV vaccination)

Multi-Language Service Hotline

Customer Service covering 22 languages

Doctor-Video-Chat

specialist medical advice is given via online video service

Live-Chat

with DAK consultants to ask general questions about health insurance

Governmental Health Insurance 

Free ISIC Card

3 years free International Student Identity Card for discounted flights, accommodation, entries in museums and theatres etc.

Appointment Service

Telephone service for doctor recommendations and to book your appointment with a specialist doctor

Cost Coverage

various medical services and preventive check-ups are covered (e.g. professional tooth cleaning or HPV vaccination)

Multi-Language Service Hotline

Customer Service covering 22 languages

Doctor-Video-Chat

specialist medical advice is given via online video service

Live-Chat

with DAK consultants to ask general questions about health insurance

We make sure that you are well-prepared for Germany

Get a free online consultation and find out what you need for your stay in Germany

Just provide us with a few details

A German Health Insurance is a prerequisite for your stay in Germany

Every person who wants to study or work in the Federal Republic of Germany is required to prove sufficient financial means and health insurance. Otherwise, a visa will not be granted and there will be no enrolment at a German university.

General Information on German Health Insurance

The German Health Insurance System
Governmental Health Insurance
Private Health Insurance
Why do I need a Governmental Health Insurance for my enrolment?
Important Notice for International Students
What is a Travel Insurance?

The German Health Insurance System

To prevent that you must pay the costs of medical care or medications privately in case of illness or an accident, in Germany it is mandatory to have health insurance – especially for international students who are otherwise not allowed to enrol at a university.

The health insurance system in Germany is one of the most effective worldwide. The system is based on two types of health insurances – the statutory (or governmental) health insurance and private health insurance. Whereas the governmental health insurance is accessible for everyone, certain conditions apply for private health insurance.

Since citizens from outside of the EU member states are not able to remain insured in their home country’s health insurance, they need to cover themselves with German health insurance.

Governmental Health Insurance

In general, the governmental health insurance contribution is based on the income of the policy holder. However, for (international) students, all statutory health insurance providers in Germany must offer an affordable tariff for students up to 30 years of age or until the end of their 14th semester of studies.

The governmental insurance contribution for international students is the same for all health insurance companies. On top of that, there is an individual additional contribution to the respective health insurance company.

Since the normal tariff of governmental health insurance providers is significantly higher than the student tariff, it may, therefore, be a better solution for someone who is older than 30 years or has already completed the 14th subject-related-semester to take out private health insurance.

Within our Fintiba Plus package, we will automatically evaluate which option would suit you best.

Private Health Insurance

In general, there is a certain group of people who are often privately insured. Employees whose gross income is above the income threshold for compulsory insurance, public servants, self-employed persons and freelancers. In contrast to the governmental health insurance, the contributions are not calculated by the income but depending on the state of health, age and scope of benefits. Therefore, you will have to give detailed information on your state of health so that the company can individually adapt the insurance coverage and the tariff. For international guests in Germany, the private health insurance companies often offer special rates which are adapted to the needs and length of the stay.

However, as soon as you apply for private health insurance you will still need an exemption from the obligatory statutory health insurance when enrolling at university. After exemption, you will not be able to switch back to statutory health insurance.

It is important to notice that all treatment costs must be paid in advance by the policy holder. Afterwards, the private health insurance company will reimburse the costs upon submission of an invoice (cost reimbursement principle).

The insurance cover expires as soon as the policy holder returns to his or her home country.

Why do I need a Governmental Health Insurance for my enrolment?

According to German law § 5 paragraph 1 Nr. 9 Sentence 1 SGB V, all students are required to obtain health insurance with a statutory health insurance company. Consequently, you can only enrol when you have valid health insurance. An incoming/travel insurance cannot be accepted for the enrolment.

In case you can provide equivalent health insurance in all aspects of coverage from your home country that is valid here in Germany, you would still need to exempt from the statutory health insurance before your enrolment at a German university.

Please be aware that an exemption from statutory health insurance in Germany will be a final decision that cannot be reversed for the whole duration of your stay.

Important Notice for International Students

Students who are attending a preparatory language course or for example a “Studienkolleg” also need health insurance. Since in their case, they are not yet enrolled in university and therefore not eligible for the statutory health insurance, private health insurance needs to be taken out.

Attention: International students who are privately insured in Germany but who are not yet 30 years old or have not yet completed their 14th subject-related-semester often need a certificate of exemption from the statutory health insurance for enrolment in case they want to stay privately insured. A change to statutory health insurance within the study stay is no longer possible after that.

Within the Fintiba Plus package, we will change your insurance coverage from private to governmental automatically in case you are eligible for it. You don’t need to worry about anything!

What is a Travel Insurance?

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

More Details on the Fintiba Plus Package

Details regarding the Fintiba Blocked Account
What does the Travel Insurance cover?
What does the Private Health Insurance cover?
What does the Governmental Health Insurance cover?
Information on the free Travel Insurance
What happens when the visa is rejected?
What distinguishes DAK from other health insurance providers?

Details regarding the Fintiba Blocked Account

The Fintiba Plus package always includes a “Blocked Account” to prove your sufficient financial means as well as “Travel Health Insurance”. These two aspects are a prerequisite to receiving a visa for Germany.

The Blocked Account is officially approved by the German Federal Foreign Office and therefore recognized worldwide. Fintiba is the most experienced blocked account provider and market leader for digital blocked accounts since January 2017. With customers from over 170 countries, we have great knowledge in all country-specific eventualities and can, therefore, guarantee the best customer support.

The Blocked Account can be opened completely online and within only a few minutes. You will get access to your personal Fintiba account where you can manage the required actions for the account opening. As soon as the account is successfully opened, you will be able to transfer money to the blocked account which is opened in your own name. Immediately after the money has arrived, the blocking confirmation for your visa appointment will be issued automatically.

For more information on the blocked account click here.

What does the Travel Insurance cover?

The Fintiba Plus package includes the “MAWISTA Visum” as travel insurance which is issued for a duration of 183 days. The health insurance is provided via our service partner MAWISTA and the coverage complies with the requirements of the council regulation (EC) no. 810/2009 of the European Parliament and Council as of 13.07.2009 and is unlimited. The health insurance protects you from the high costs of illness or accident during your stay.

Below, you can find the most important benefits of the travel health insurance which are included in the Fintiba Plus package:

✔ Outpatient treatment

✔ Inpatient treatment

✔ Medicines and dressings

✔ Pain-killing dental treatment and repairs of dentures and provisional measures up to € 250.00

✔ Transport costs to the nearest suitable hospital

✔ Funeral or repatriation costs (max. € 25,000.00)

✔ Repatriation to home country *

✔ Treatment of existing diseases until the insured person can be transported again after the insurance protection has expired, limited to 45 days

✔ Travel liability insurance

What does the Private Health Insurance cover?

Depending on your needs, the Fintiba Plus package may include the “MAWISTA Student” as private health insurance.

Below, you can find the most important benefits of the private health insurance which is included into the Fintiba Plus package:

 

✔ Outpatient treatment

✔ Inpatient treatment

✔ Medicines and dressings

✔ Aids-related to the accident (not including sight aids and max. € 250.00)

✔ Medical treatment (e.g. massage), up to 8 per insurance year

✔ Analgesic dental treatments, denture repairs and temporary solutions (max. € 500.00)

✔ Transport costs to the nearest suitable hospital

✔ Pregnancy, childbirth and their implications

✔ Funeral or repatriation costs (max. € 25,000.00)

✔ Repatriation to home country

What does the Governmental Health Insurance cover?

The Fintiba Plus package includes the governmental health insurance from “DAK-Gesundheit“. The insurance covers the costs for your treatment with a doctor, dentist or in a hospital. Moreover, it bears the costs for medicines which your doctor prescribes to you.

For more information on the insurance coverage, you can download the info flyer of DAK Gesundheit.

Information on the free Travel Insurance

The Fintiba Plus package includes a free Travel Health Insurance worth € 95.00. This also applies to customers whose package does not include governmental health insurance!

Students who are eligible for the governmental health insurance will be switched to DAK from the day of their official enrolment. Students who have (interim) private health insurance included in the package will be switched over to MAWISTA Student after their arrival in Germany in order to align with the requirements for the residence permit.

Please note that the respective insurance conditions always apply.

What happens when the visa is rejected?

In case your visa is rejected or in case you need to cancel your duration earlier than expected after you arrive in Germany, it is always possible to completely close your Fintiba Plus package. Depending on your specific situation, one of the following processes will apply:

  • In case you are in your home country and your visa was rejected/you withdrew your visa application, or you did not even apply but want to cancel your trip to Germany, we will need an official confirmation from the German embassy or consulate which allows us to close your account and your Fintiba Plus package respectively.

Note: In case of a visa denial, the visa rejection letter is a valid document to close your account. Afterwards, the reversal transfer will be executed to the original account where the money came from. Please note that the process can take 3-4 weeks until the money is in the account.

  • In case you are already in Germany and want to cancel your stay for any reason, we will need an official document from the Foreigners Office (Ausländerbehörde) which allows us to close your blocked account. Afterwards, we will transfer the money back to the account it came from.

Note: If you are already legitimated, we will be able to transfer the money to your German current account too, depending on your instructions.

Upon successful closure of the account, both your Blocked Account and your Health Insurance products, depending on your package type, will be cancelled for you. Please be advised that the following documents CANNOT be accepted to close the Fintiba Plus package: de-registration letter (Abmeldebestätigung), border-crossing certificates (Grenzübertrittsbescheinigung), stamp in your passport when you re-enter your home country, declaration of commitment or self-created documents.

For more questions regarding the Fintiba Plus package, please check our Help Center.

What distinguishes DAK from other health insurance providers?

In the following you can find the differences between DAK and other statutory health insurers.

DAK covers many additional services not covered by other health insurance companies, such as:

  • Subsidy for professional dental cleaning at the dentist of your choice
  • Regular Check-up for insured persons under 35
  • HPV vaccination (also for male insured persons)
  • Cancer prevention: breast ultrasound
  • Dialysis abroad
  • Acupuncture above legal standard
  • Balneology, Electrotherapy, Hydrotherapy, Neural therapy and Phototherapy

Overview of the initial and monthly fees of the package

Your Fintiba Service Initial Fee Monthly Fee
Blocked Account € 89.00 € 4.90
Travel Health Insurance FREE
Private Health Insurance (if applicable) € 33.10
Governmental Health Insurance € 109.894

For all the bargain hunters: Don’t worry. The statutory insurance contributions for foreign students are the same for all health insurance companies. In comparison, DAK-Gesundheit is one of Germany’s biggest statutory health insurers and one of the longest established, with more than 230 years of experience. And remember: with Fintiba Plus you will save up to € 95.00 on your travel health insurance. 

We are working together with awarded partners.

DAK Gesundheit

Best Health Insurance for young people

Sutor Bank

Outstanding asset management

Do you still have questions left? – Watch our webinar!

Watch our Fintiba Plus webinar with the COO of Fintiba – Jonas Marggraf. Stay fully informed about the German health insurance requirements for internationals and get prepared for your stay abroad.

Here’s what our customers think about our service

I unreservedly recommend Fintiba to you, enjoy the innovative and delightful experience!

Fintiba responded to my account opening request (with account details) in less than three (3) hours - it was swift, convenient, very easy and a friendly application. I got confirmation of my deposit in less than 12 hours.

Desmond Bortey Ahia, Ghana

Fintiba Testimonials Experience
5
2018-07-24T11:54:40+01:00

Desmond Bortey Ahia, Ghana

Fintiba responded to my account opening request (with account details) in less than three (3) hours - it was swift, convenient, very easy and a friendly application. I got confirmation of my deposit in less than 12 hours.

Thanks to Fintiba I had this opportunity to apply for visa and to make my dream come true! Now I’m studying in a beautiful country at the faculty of my dreams!


Lilith Melkoumian, Armenia

Fintiba Testimonials Experience
5
2018-07-27T17:34:05+01:00

Lilith Melkoumian, Armenia

Read her full story

The best company for open a Blocked Account and Health Insurance in Germany.

So fast. So easy. A top service. Thank u very much for that! I will tell all my Friends from u. Danke!

Google Review from a happy student

Fintiba Testimonials Experience
5
2018-07-18T10:42:29+01:00

Google Review from a happy student

So fast. So easy. A top service. Thank u very much for that! I will tell all my Friends from u. Danke!

One of the…. oh no… THE ONLY BEST SERVICE I found online.


Shanaka Ajantha Paththini Hiti Appuhamilage, Sri Lanka

Fintiba Testimonials Experience
5
2018-07-18T15:40:59+01:00

Shanaka Ajantha Paththini Hiti Appuhamilage, Sri Lanka

Thank you for making this time taking blocked account process way more easier.


Aman Deep Lal, India

Fintiba Testimonials Experience
5
2018-07-24T12:19:59+01:00

Aman Deep Lal, India

Really a Good service for students who are in a hurry to open a blocked account

When you arrive in Germany you are going to have to finish some papers to get your money but that is just how things are in Germany. I like how easy they try to make the process and I feel sometimes that they delay verifying some papers until they are able to take a look at everything. All in all, a great service and a trusty one and that's what you should care about If you are in a hurry.

Ahmed Elsalahy, Egypt

Fintiba Testimonials Experience
5
2018-07-19T08:11:44+01:00

Ahmed Elsalahy, Egypt

When you arrive in Germany you are going to have to finish some papers to get your money but that is just how things are in Germany. I like how easy they try to make the process and I feel sometimes that they delay verifying some papers until they are able to take a look at everything. All in all, a great service and a trusty one and that's what you should care about If you are in a hurry.

Great customer service, amazing customer-orientation, superior blocked account service for international students – fast, credible and secure.

The registration of account, activation and payment are fast and smooth. Great experience to recommend.

Jamshidjon Khakimdjanov, Uzbekistan

Fintiba Testimonials Experience
5
2018-07-18T15:48:28+01:00

Jamshidjon Khakimdjanov, Uzbekistan

The registration of account, activation and payment are fast and smooth. Great experience to recommend.

I believe that Fintiba is the best solution for whom are planning to pursue their studies in Germany.

Fintiba provided me with the best service when I was preparing for my student visa from Turkey in terms of opening the bank account so quickly and issuing the bank statement in a short notice which I needed to attach with my visa application. Fintiba team was available all the time and quite supportive. You are doing a great job Fintiba and wish you all the best!

Mohmmad Noor Alshih Ali, Syria

Fintiba Testimonials Experience
5
2018-02-17T13:19:16+01:00

Mohmmad Noor Alshih Ali, Syria

Fintiba provided me with the best service when I was preparing for my student visa from Turkey in terms of opening the bank account so quickly and issuing the bank statement in a short notice which I needed to attach with my visa application. Fintiba team was available all the time and quite supportive. You are doing a great job Fintiba and wish you all the best!

I get notification anytime money is paid into my block account, and feedback when I ask questions. Frequent reminder. Good management. Awesome job. Thumbs up Fintiba


Chuka Oscar Oguji, Nigeria

Fintiba Testimonials Experience
5
2018-07-24T12:24:04+01:00

Chuka Oscar Oguji, Nigeria

Beste Kunden Service, Jungs Leute die immer Hilfreich und Freundlich. Wünsche ich euch das Beste!!!


Abdelhalim Mohamed Hamid Abdelrahman, Arab Emirates

Fintiba Testimonials Experience
5
2018-07-24T11:50:32+01:00

Abdelhalim Mohamed Hamid Abdelrahman, Arab Emirates

I strongly recommend Fintiba to those in a rush. It was so easy and quick to go through all the procedures to open a blocked account.

More importantly, when faced with a problem, I have always received fast responses from Fintiba.

Kyunghee Kang, South Korea

Fintiba Testimonials Experience
5
2018-07-18T13:41:39+01:00

Kyunghee Kang, South Korea

More importantly, when faced with a problem, I have always received fast responses from Fintiba.

Very good service! Opened blocked account in several minutes online!

And now using it without any problems. Extremely recommend if you are a student and need to make a blocked account as soon and easy as possible.

Anastassiya Pustozerova, Russia

Fintiba Testimonials Experience
5
2018-07-18T15:54:55+01:00

Anastassiya Pustozerova, Russia

And now using it without any problems. Extremely recommend if you are a student and need to make a blocked account as soon and easy as possible.
5
12
Fintiba Testimonials Experience

1 With the Free Travel Health Insurance in the Fintiba Plus package you can save up to € 95.00.

2 We will issue an insurance confirmation which is valid for 183 days.

3 With our new OCR technology, your passport will be verified within minutes and you are ready to transfer your money right away. Please note that Russia (RU), Ukraine (UA), Cuba (CU), Iran (IR), Syria (SY), North Korea (KP) and the region Crimea are at the moment not eligible for this process. Alternative passport verification options are available for those countries which as well ensure a fast blocked account opening.

4 The payment of the fees starts after enroling at university. DAK charges € 109.89 for persons under 23 years of age and € 111.75 for childless persons over 23 years of age. In general, the current tariffs of the insurer apply.

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