Blocked Account and Health Insurance for your stay in Germany

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 190 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.

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

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 kind of costs will be refunded by the insurer in case of a return transport?
Extract of the insurance terms and conditions:
AWP P&C S.A. refunds:
The costs of the medically advisable and justifiable repatriation of the insured person to a suitable hospital located closest to the place of residence of the insured person in his or her home country. In addition, the costs of the medically advisable and justifiable repatriation are reimbursed upon request by the insured person where continued hospital treatment is expected to exceed 14 days in the opinion of the physician giving treatment. Irrespective of this, the costs of the patient’s repatriation to his or her home country are paid if these remain within the limits of the expected costs of continued medical treatment.
Legally binding are the conditions of insurance of the AWP P&C S.A., München.

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.

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.

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.

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