Care Concept eligibility rules
Schengen visa cover accepted by every embassy, buyable after you arrive. Every row below is taken from Care Concept's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Any residence | Inbound Germany, EU and Schengen products for guests, students, jobseekers and skilled workers of any origin. | verified |
| No fixed country of residence | With conditions | Keyed to your stay in Europe rather than a permanent address. | partly |
| Buying after you have left home | Yes | Care Economy can be bought before and after arrival: apply within a year of entry, with a 31-day accidents-only waiting period if you apply late, waived with proof of prior cover. | partly |
| Maximum age | 74 | 74 on both Care Visa Protect and Care Economy. | verified |
| One-way and open-ended trips | Yes | Built for inbound migration cases such as jobseekers and family reunion, so not tied to return travel. | verified |
| Longest trip | 24 months, renewable | Care Visa Protect runs 92 days with an annual multi-entry variant; Care Economy runs up to two years including extensions. | verified |
| Pre-existing conditions | No | Exclusion is the norm in this product class; specifics not verified. | low |
| Cover in the USA | No | Core products are inbound Europe. | partly |
| Schengen visa certificate | Yes | Care Visa Protect is accepted by all embassies and consulates for issuing Schengen visas, with €50,000 cover from about €0.85 a day and instant documents. | verified |
| Winter sports | Not verified | Not verified. | low |
| Scuba diving | Not verified | Not verified. | low |
| High-altitude trekking | Not verified | Not verified. | low |
| Scooters and motorbikes | Not verified | Not verified. | low |
| Working abroad | Yes | Care Economy explicitly serves jobseekers, skilled workers and nursing staff not yet inside German social security. | verified |
| Trip cancellation | No | Health products without cancellation cover. | verified |
| Families | Yes | Family options available. | partly |
Who underwrites it
Care Concept AG with German carriers. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Care Concept. That is disclosed on every link, and it never changes where they appear or in what order. Brokers and tipsters welcome; iframes and white-label pages in five languages.
Sources: care-concept.de, care-concept.de. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.