Parts of the Expatrio Value Package, you will need to apply for your visa. These parts are the Blocked Account and the Incoming Insurance. The other parts, you will rather need once you are in Germany. For example, the Public Health Insurance with TK is required to enroll at a German university and the Current Bank Account is needed to receive your monthly pay-outs from your Blocked Account. While the Liability Insurance and the ISIC are rather "Add-ons", they stil provide a huge value for you as the Liability Insurance will cover you e.g. in case you spill wine over your friend's sofa or you lose your key. With the ISIC, you will enjoy 150,000 benefits in over 130 countries.