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What is Fintiba Plus and what insurances does it include?

For your German visa you need two things: proof that you can pay for your stay, usually a Blocked Account, and health insurance. Fintiba Plus provides both tailored to your individual situation and needs for the visa application to show you cover the financial requirements and necessary insurance in one online solution.

The main advantages of Fintiba Plus over our standalone Fintiba Blocked Account:

  • Free Travel Health Insurance for your visa application.
  • Everything in one online account: no visit to an insurance office needed.
  • Accepted by German authorities, with all documents for your visa and your university enrollment available before you arrive.
  • Visa-compliant coverage with well-known public and private insurance partners.
  • Private health insurance for applicants who can’t or don't want to get public health insurance.
  • Your travel health insurance ends automatically once your long-term health insurance starts.

You don’t need to choose the right insurance yourself. We put together your Fintiba Plus package based on the information you give us when you open your account, so you receive every document you need for your visa application.

 

What does Fintiba Plus cost?

The Fintiba Plus package itself is free. You only pay for the products in it.

  • Blocked Account: a one-time opening fee and a monthly fee. Our current prices are listed here.
  • Travel Health Insurance (MAWISTA Visum): free with Fintiba Plus.
  • Health insurance: a monthly fee, depending on your insurance and your age. For public health insurance, payments start once you enroll at university.
  • You only ever pay for public or private health insurance, never both at the same time.
  • Your health insurance fees are not taken from your Blocked Account. They’re collected from the German current account (Girokonto) that you use for your Fintiba payouts.

You’ll find the latest details on available tariffs, eligibility and prices on our website: Health insurance for your German visa

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What’s in the package?

Every Fintiba Plus package includes:

  1. Your Blocked Account, which is your proof of financial resources for the visa.
  2. Free Travel Health Insurance (MAWISTA Visum)*, which covers you from your arrival in Germany until your health insurance starts. You receive this product automatically when applying for a follow-up health insurance product.
  3. Health Insurance that matches your situation. Depending on your age, your visa type and whether you are enrolled at a university, this is public health insurance (for example BARMER), private health insurance (MAWISTA Expatcare), or a combination: private cover first, then public cover once you enroll.

You are an employee and look for a health insurance only solution?

Find our offer here: Health Insurance for Employees - The blocked account free standalone health insurance products of Fintiba.

 

What health insurance products does Fintiba provide and what are the associated partners?

Fintiba has the following products available:

  • Travel Health Insurance by MAWISTA: MAWISTA Visum - free of charge, included in our Fintiba Plus offer.

  • Private Health Insurance by MAWISTA: MAWISTA Expatcare - for Language Studies and Studienkollegs, before official semester start at your university.  In case you can't or don't want to get public health insurance, this can further cover your study period.

  • Public Health Insurance by BARMER - for the time after students complete their preparatory courses and start university studies under the age of 30.

When do I receive my insurance documents?

  • Travel Insurance documents & provisional health insurance confirmation: Once your funds arrive with your Blocked Account and your Blocking Confirmation (your proof of finance to the authority) is issued, you’ll also receive your Travel Insurance confirmation and provisional health insurance documents to confirm your health insurance order placement. At this point your MAWISTA Visum travel insurance is activated.
  • Health insurance policy (BARMER or MAWISTA Expatcare): this becomes available once you’ve uploaded your visa and set up your payouts. You’ll receive it by email, and it’ll also be saved in the Documents section of your Fintiba App.

If you can’t find your policy, please check your spam or junk folder first.

 

What standalone Health Insurance options do I have?

You don't require a Blocked Account, but want to benefit from health insurance coverage through Fintiba? Find what you need here:

  • Travel Insurance Mawista VISUM 👉Follow this link

  • Health Insurance for Employees 👉 Find out more about our offer here.

  • Blocked Account for Minors Health Insurance 👉More on how to get it here.

 

Can I change my Fintiba products?

You are able to:

  • Upgrade a regular Fintiba blocked account to Fintiba plus, adding health insurance and free travel insurance to your package.

  • Change health insurances, if applicable for your situation, keeping Fintiba Plus and your free travel insurance benefit.

  • Cancel your health insurance and turn your account into a regular Fintiba Blocked Account.

Our support team will gladly help you check, if you are eligible for alternative health insurance options offered. 

For cancelling your health insurance, please keep the following in mind:

  • You’ll need to arrange health insurance for your visa yourself.

  • You’ll lose your free Travel Health Insurance, because it’s only available with Fintiba Plus.

  • In case your health insurance is already active, please provide your new health insurance provider confirmation documents with your request.

  • If your travel insurance has already been activated, costs may apply depending on the active period. You can circumvent charges in case you have an alternative running travel insurance. Please provide the confirmation documents with your request.

For requests regarding changes, our team is available for you any time via our contact form.

 

What else can Fintiba help me with? When do I need to contact the provider?

Fintiba will help you on the following topics:

  • Questions about your package and which insurance was chosen for you.
  • Your confirmation documents and insurance policies (missing, incorrect, or needing an update).
  • Changes to your travel date, study start, or package, including upgrading or cancelling.
  • Your Blocked Account, payouts, or the Fintiba App.

Contact Fintiba via our contact form here.

 

Contact your insurance provider directly for:

  • Details on your insurance coverage.
  • Doctor visits, medical bills, claims and reimbursements.
  • Your health insurance card and membership documents.
  • Changes to your insurance contract after it has started.
  • Confirmations your university needs from your insurer.

The contact details are as follows:

 

BARMER (public health insurance)

 

MAWISTA (travel health insurance and private health insurance)

You are holding a health insurance with our former partner DAK? 

You can reach them through these contacts directly. Please note Fintiba cannot answer questions on your DAK health insurance.

DAK-Gesundheit (public health insurance)

 

For the latest news about our products, visit fintiba.com.

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