--- title: "From €0.85/day · Health insurance foreigners Germany" description: "Health insurance for foreigners in Germany: compare plans, get proof instantly. From €0.85/day. HanseMerkur & DAK-Gesundheit. Online application — last updated: 9. September 2026." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Do I need health insurance as a foreigner in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — in most cases health cover for your stay in Germany is legally required, for example for visa applications, residence permits or university enrollment." } }, { "@type": "Question", "name": "How much does health insurance for foreigners cost?", "acceptedAnswer": { "@type": "Answer", "text": "Costs depend on your situation: Schengen visa from €0.85/day (Care Visa Protect), language course from €27.50/month (Care College), students from €101.54/month (Care Student) or €135.52/month (DAK GKV), expats from €58/month (Care Expatriate)." } }, { "@type": "Question", "name": "Statutory or private health insurance — what fits me?", "acceptedAnswer": { "@type": "Answer", "text": "It depends on your status: employees below the annual income threshold are required to be in the GKV (e.g. DAK-Gesundheit). Students over 30, freelancers and visitors typically use private incoming plans." } }, { "@type": "Question", "name": "Is the insurance proof accepted by embassies?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — confirmations from HanseMerkur and DAK-Gesundheit are regularly accepted by German embassies (for example Ankara, New Delhi, Shanghai) and by Ausländerbehörden. The proof is delivered immediately by email." } }, { "@type": "Question", "name": "How quickly do I receive the proof of insurance?", "acceptedAnswer": { "@type": "Answer", "text": "After the online application you usually receive your insurance policy immediately by email — as a PDF to print or present to the embassy, university or Ausländerbehörde." } }, { "@type": "Question", "name": "Can I take out the insurance online?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — every plan can be taken out fully online. The application typically takes 5–10 minutes. You will need your passport, your stay dates, and depending on the case an enrollment letter." } }, { "@type": "Question", "name": "What happens if my visa is rejected?", "acceptedAnswer": { "@type": "Answer", "text": "If your visa is rejected, the insurance can usually be cancelled. Check the cancellation terms of the specific plan." } }, { "@type": "Question", "name": "Is health insurance mandatory for a residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — proof of valid health insurance is a standard requirement of the Ausländerbehörde when issuing or extending a residence permit." } }, { "@type": "Question", "name": "What documents do I need for health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "You typically need your passport, planned dates of stay and — depending on your situation — a university enrollment letter or employment contract. Applications take 5–10 minutes online." } }, { "@type": "Question", "name": "Is there health insurance for foreigners with no waiting period?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — several plans start immediately with no waiting period, such as Care Economy (from €30/30 days) and Care Visa Protect (from €0.85/day). Cover starts on the chosen start date." } }, { "@type": "Question", "name": "Can I get health insurance in Germany without a job?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — if you are between jobs, on a job-seeker visa, or a freelancer, private incoming insurance like Care Economy or Care Expatriate covers you. No employer needed." } }, { "@type": "Question", "name": "Can family members be insured together?", "acceptedAnswer": { "@type": "Answer", "text": "With statutory health insurance, spouses and children without their own income can usually be co-insured for free under family insurance. Private incoming plans insure each person individually." } }, { "@type": "Question", "name": "Can I get expat health insurance in Germany in English?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Every plan here can be applied for entirely in English, and your certificate is issued as a bilingual German/English PDF that German embassies and the Ausländerbehörde accept. Application, documents and support are all in English." } }, { "@type": "Question", "name": "What is Incoming (expat) health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Incoming insurance is private health cover for foreigners staying temporarily in Germany — students, language learners, visitors, job-seekers and expats not yet in the statutory system (GKV). It is recognised for visa and residence-permit applications and starts immediately. Typical plans: Care Visa Protect, Care Economy, Care College and Care Expatriate." } }, { "@type": "Question", "name": "What is the best health insurance for foreigners in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "There is no single best plan — it depends on your stay. Short visits and Schengen visas → Care Visa Protect (from €0.85/day); language or prep courses → Care College (from €27.50/month); enrolled students → Care Student or statutory DAK; long-term expats → Care Expatriate (from €58/month)." } }, { "@type": "Question", "name": "Do EU citizens need German health insurance, or is the EHIC enough?", "acceptedAnswer": { "@type": "Answer", "text": "For short visits, EU/EEA citizens can use their EHIC (European Health Insurance Card) for necessary treatment. But to register a residence, study or work in Germany you normally need German-recognised cover — statutory GKV or a recognised private plan. Non-EU citizens almost always need a recognised plan for the visa or residence permit." } }, { "@type": "Question", "name": "Which health insurance do I need for a German student visa?", "acceptedAnswer": { "@type": "Answer", "text": "It depends on your study stage. For a language course or Studienkolleg before enrollment, Care College (from €27.50/month) is common; after you enroll at a university you switch to statutory GKV (e.g. DAK, from €135.52/month) or Care Student (from €101.54/month) if you qualify for a GKV exemption. All certificates are accepted by embassies and the Ausländerbehörde." } } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to take out health insurance for foreigners in Germany", "description": "Find the right health insurance in 3 simple steps — online, fast and with instant proof.", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your situation", "text": "Select your audience and stay duration — for example studies, visa, expat or employee." }, { "@type": "HowToStep", "position": 2, "name": "Compare tariffs", "text": "Compare transparent prices from €0.85/day — no hidden costs, instantly visible." }, { "@type": "HowToStep", "position": 3, "name": "Apply online", "text": "Complete the application in 5–10 minutes and receive proof of insurance immediately by email." } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" } ] } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [ # Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) ![Health insurance for foreigners in Germany — portal for visa, studies and residence](/assets/hero-slide-1-portal-krankenversicherung-auslaender-deutschland-BtwLyoMF.webp) ## Your trusted portal for health insurance in Germany Affordable plans for visa & Schengen, studies and long-term stay — compare side by side. - Online application available • Transparent prices - Application & forms in 7 languages - For visa, studies & residence — frequent embassy and Ausländerbehörde requirements [Visa & Schengen](/en/health-insurance-visa-foreigners-germany/)[Studies & language school](/en/health-insurance-foreign-students-germany/)[Expats / long-term stay](/en/expat-health-insurance-germany/) [Find tariff](/en/tariffinder-germany/)[All plans](/en/product-overview-germany/) [I'm not sure → ](/en/tariffinder-germany/) ![Health insurance for visa, studies and blocked account — compare and apply online](/assets/hero-slide-2-visum-studium-sperrkonto-krankenversicherung-C0PD1_S4.webp) ## Health insurance for visa, short stay or studies Schengen / visit, studies & language school, blocked-account visa: compare quickly and apply online. - Frequently used as proof (case-by-case) - Transparent prices • Online application available - Application & forms in 7 languages [Schengen / visit / guests](/en/health-insurance-visa-foreigners-germany/)[Studies & language school](/en/health-insurance-foreign-students-germany/)[Blocked account & visa](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/) More: [Parent / family reunification› ](/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/)[Seasonal workers› ](/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/) [Find tariff](/en/tariffinder-germany/)[All plans](/en/product-overview-germany/) [I'm not sure → ](/en/tariffinder-germany/) ![Long-term stay in Germany — health insurance for expats, freelancers and retirees](/assets/hero-slide-3-langzeitaufenthalt-expat-freelancer-rentner-m4QVpgAn.webp) ## Long-term stay in Germany — find an affordable plan For expats, freelancers or retirees: orientation, comparison and direct application. - For long-term stay: expat job, self-employed/freelance or retirement - Transparent prices & online application available - 7 languages available [Expats / long-term stay](/en/expat-health-insurance-germany/)[Freelancers](/en/expat-health-insurance-germany/health-insurance-foreign-freelancers-germany/)[Retirees](/en/health-insurance-foreign-retirees-germany/) More: [Employees› ](/en/health-insurance-foreign-employees-germany/)[China business (Schengen)› ](/en/health-insurance-visa-foreigners-germany/health-insurance-chinese-visitors-business-travelers-eu-schengen-germany/) [Find tariff](/en/tariffinder-germany/)[All plans](/en/product-overview-germany/) [I'm not sure → ](/en/tariffinder-germany/) Swipe → **Visa interview soon?** Embassies require valid health-insurance proof at the appointment — apply today, get the PDF in your inbox in minutes. 4.9/5 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) Over 10,000 policies issued Since 2009 HanseMerkur & DAK-Gesundheit Imagine sitting in the Charité emergency room — and no one knows who is paying the bill. A single hospital day costs on average **€830** (InEK 2024). Without the right insurance you pay everything yourself — or risk your visa being rejected before you even enter. Find the right plan in 60 seconds — whether for a Schengen visa, studies or a long-term stay in Germany. ## Find the right cover Choose your situation — we'll show you the matching plans with transparent prices. Whether statutory health fund or private health cover: the right solution is here. Health insurance for foreigners in Germany — find the right plan for your visa, studies or residence permit. [ ### Foreigners in Germany Understand insurance requirements — avoid mistakes from €30/mo ](/en/health-insurance-foreigners-guests-visitors-incoming-germany/)[ ### Visa & Schengen Proof for the embassy — avoid rejection from €0.85/day ](/en/health-insurance-visa-foreigners-germany/)[ ### Studies & language school Secure enrollment — from €27.50/mo from €27.50/mo ](/en/health-insurance-foreign-students-germany/)[ ### Expats & freelancers Protect your residence permit — from €58/mo from €58/mo ](/en/expat-health-insurance-germany/)[ ### Employees Statutory cover from day 1 — prepare your registration from 17.8% gross ](/en/health-insurance-foreign-employees-germany/)[ ### Retirees & seniors Long-term stay without insurance gap from €30/30 days ](/en/health-insurance-foreign-retirees-germany/)[ ### Blocked account Visa + blocked account + insurance — one application from €4.90/mo ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/) 5–10 min Average online application 92 days max Schengen cover (Care Visa Protect) 5 years max Long-stay cover (Care Expatriate) ## Why thousands of foreigners trust us Renowned insurers, instant proof and an application in your language — everything for a safe stay in Germany. ### Renowned insurers Plans from HanseMerkur and DAK-Gesundheit — established for decades. Insurance policy available without waiting period, regularly accepted at embassies (e.g. Ankara, New Delhi). ### Instant proof by email Insurance confirmation right after applying — as official proof for embassy, university and Ausländerbehörde. Incoming insurance Germany, valid immediately. ### Online application in 7 languages German, English, Spanish, Chinese, Turkish, Russian, French — apply from anywhere in the world. Proof of insurance in your language. ## 3 steps to your insurance cover 1 ### Choose your situation Select your audience and stay duration — visa, studies, work or long-term stay. 2 ### Compare tariffs Transparent prices, instantly visible — no hidden costs. Statutory health fund or private cover. 3 ### Apply online 5–10 minute application, insurance certificate immediately by email — ready for embassy or authority. In a hurry? Pick the closest match: [ 🛂 Visa < 92 days Care Visa Protect · from €0.85/day → ](/en/insurance-plans/care-visa-protect/overview/)[ 🎓 Studies / language school Care College · from €27.50/month → ](/en/insurance-plans/care-college/overview/)[ 🏠 Long-term stay Care Expatriate · from €58/month → ](/en/insurance-plans/care-expatriate/overview/) ## Which insurance fits your situation? Find the right solution in seconds — by audience and life situation. Whether health insurance for a residence permit, GKV registration as an employee or an incoming plan for a visit: see all options at a glance. ### Students & language students Without proof of insurance: no enrollment, no residence-permit extension. Your situation Recommended solution From Student under 30, enrolled [DAK-Gesundheit (statutory)](/en/insurance-plans/dak-gesundheit/overview/) €135.52/month · open-ended Student over 30 or GKV-exempt [Care Student (private)](/en/insurance-plans/care-student/overview/) €101.54/month · up to 5 years Language course / Studienkolleg [Care College](/en/insurance-plans/care-college/overview/) €27.50/month · up to 5 years Blocked account + insurance combo [BASTI blocked account](/en/insurance-plans/blocked-account/overview/) €4.90/month · 1 year Semester break abroad [Care Economy](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years [ Student under 30, enrolled DAK-Gesundheit (statutory) €135.52/month · open-ended ](/en/insurance-plans/dak-gesundheit/overview/)[ Student over 30 or GKV-exempt Care Student (private) €101.54/month · up to 5 years ](/en/insurance-plans/care-student/overview/)[ Language course / Studienkolleg Care College €27.50/month · up to 5 years ](/en/insurance-plans/care-college/overview/)[ Blocked account + insurance combo BASTI blocked account €4.90/month · 1 year ](/en/insurance-plans/blocked-account/overview/)[ Semester break abroad Care Economy €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/) ### Employees & specialists Without GKV registration: no employment contract, no salary — your employer cannot legally hire you. Your situation Recommended solution From Permanent employment (GKV-required) [DAK-Gesundheit (statutory)](/en/insurance-plans/dak-gesundheit-angestellte/overview/) 17.8% gross · open-ended Transition between two jobs [Care Economy](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years Seasonal work (up to 91 days) [Care 01 seasonal workers](/en/insurance-plans/care01-saisonarbeiter/overview/) €0.39/day · up to 91 days Job search / Chancenkarte [Care Economy](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years [ Permanent employment (GKV-required) DAK-Gesundheit (statutory) 17.8% gross · open-ended ](/en/insurance-plans/dak-gesundheit-angestellte/overview/)[ Transition between two jobs Care Economy €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/)[ Seasonal work (up to 91 days) Care 01 seasonal workers €0.39/day · up to 91 days ](/en/insurance-plans/care01-saisonarbeiter/overview/)[ Job search / Chancenkarte Care Economy €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/) ### Expats & freelancers Without proof of insurance: your residence permit will not be extended. Your situation Recommended solution From Freelancer / self-employed [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) €58/month · up to 5 years Expat with family [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) €58/month · up to 5 years Short stay up to 2 years [Care Economy](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years Blue Card specialist [DAK-Gesundheit (statutory)](/en/insurance-plans/dak-gesundheit-angestellte/overview/) 17.8% gross · open-ended [ Freelancer / self-employed Care Expatriate €58/month · up to 5 years ](/en/insurance-plans/care-expatriate/overview/)[ Expat with family Care Expatriate €58/month · up to 5 years ](/en/insurance-plans/care-expatriate/overview/)[ Short stay up to 2 years Care Economy €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/)[ Blue Card specialist DAK-Gesundheit (statutory) 17.8% gross · open-ended ](/en/insurance-plans/dak-gesundheit-angestellte/overview/) ### Retirees & seniors Without health cover: no residence permit for family reunification or long-term stay. Your situation Recommended solution From Long-term stay retiree (61–74) [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) from €246/month · up to 5 years Short visit parents/seniors [Care Economy](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years Parent reunification § 36 AufenthG [Care Economy → Care Expatriate](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years [ Long-term stay retiree (61–74) Care Expatriate from €246/month · up to 5 years ](/en/insurance-plans/care-expatriate/overview/)[ Short visit parents/seniors Care Economy €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/)[ Parent reunification § 36 AufenthG Care Economy → Care Expatriate €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/) ### Visa & short stay Without EU-compliant insurance: visa rejection at the embassy — travel is not possible. Your situation Recommended solution From Schengen visa (up to 92 days) [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) €0.85/day · up to 92 days Au-pair in DACH [Care Au-Pair](/en/insurance-plans/care-au-pair/overview/) €21/month · up to 2 years Tourist / visitor [Care Economy](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years Formal obligation (Verpflichtungserklärung) [Care Economy](/en/insurance-plans/care-economy/overview/) €30/30 days · up to 2 years [ Schengen visa (up to 92 days) Care Visa Protect €0.85/day · up to 92 days ](/en/insurance-plans/care-visa-protect/overview/)[ Au-pair in DACH Care Au-Pair €21/month · up to 2 years ](/en/insurance-plans/care-au-pair/overview/)[ Tourist / visitor Care Economy €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/)[ Formal obligation (Verpflichtungserklärung) Care Economy €30/30 days · up to 2 years ](/en/insurance-plans/care-economy/overview/) **Visa rejected? Get a refund.** Most incoming plans cancel free of charge with proof of rejection — your premium back, no questions asked. ### Still unsure which plan fits? Our tariff finder recommends the best solution in 3 questions — whether for a short stay, studies or long-term residence. [🔍 Start tariff finder](/en/tariffinder-germany/)[📋 View all plans](/en/product-overview-germany/) ### No insurance? You pay these costs yourself. If you have no valid health cover and need a doctor in Germany, you pay according to the official fee schedule — and that quickly becomes existence-threatening. Ask yourself: what would you do if there's an accident tomorrow? €200–500 Doctor visit (outpatient) approx. €830/day Hospital (inpatient) (Source: InEK 2024) €5,000–15,000 Emergency surgery **By contrast:** incoming insurance from **just €0.85/day** — with instant proof for visa, residence permit and university enrollment. Every day without cover = one more day at full risk. Why wait? Thousands of people faced the same question — here are three stories that show how simple the right insurance can be. P **Priya from India 🇮🇳** came to Munich for her master's in 2025. Without the right insurance proof she could not have enrolled at TU München. Through our portal she found the right plan in 10 minutes ([Care College, €27.50/mo](/en/insurance-plans/care-college/overview/)) and received the insurance confirmation immediately by email — in time for the start of the semester. C **Carlos from Colombia 🇨🇴** received his Blue Card in 2026 for an IT role in Frankfurt. His employer needed proof of statutory cover before his first day. Through our portal he registered with [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit-angestellte/overview/) in 8 minutes and received his membership confirmation immediately — statutory health insurance was active from day 1. F **Fatima from Morocco 🇲🇦** (63) joined her daughter in Cologne in 2026 — family reunification under § 36 AufenthG. The Ausländerbehörde Köln required valid cover from the day of entry. Since Fatima had no access to the GKV as a retiree, she took out [Care Economy](/en/insurance-plans/care-economy/overview/) through our portal (€30/30 days) and switched after three months to [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) for her long-term stay. ## Why orient yourself with us? Have you wondered who you can really trust on health insurance in Germany? Here are facts instead of advertising promises — and by the way, every figure is based on publicly available sources. ### 13.1 million foreigners live in Germany (Destatis 2024) — many need the right health cover, from a student visa to long-term residence. ### Since 2009 Over 10,000 policies issued for students, expats, visitors and employees — experience that shows in every application. ### HanseMerkur & DAK Plans from renowned German insurers — regularly accepted at embassies worldwide and at German Ausländerbehörden as official proof of insurance. ### Reachable Phone: +49 228 97735-44 — personal help with questions about plan, application and insurance policy. No chatbot, real people (German & English spoken). Proofs are frequently accepted at embassies in Ankara, New Delhi, Shanghai, Beijing, Lagos, Manila and many other locations. Last updated: 9. September 2026. ## What our customers say about us 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Frequently asked questions ### Do I need health insurance as a foreigner in Germany? ### How much does health insurance for foreigners cost? ### Statutory or private health insurance — what fits me? ### Is the insurance proof accepted by embassies? ### How quickly do I receive the proof of insurance? ### Can I take out the insurance online? ### What happens if my visa is rejected? ### Is health insurance mandatory for a residence permit? ### What documents do I need for health insurance in Germany? ### Is there health insurance for foreigners with no waiting period? ### Can I get health insurance in Germany without a job? ### Can family members be insured together? ### Can I get expat health insurance in Germany in English? ### What is Incoming (expat) health insurance? ### What is the best health insurance for foreigners in Germany? ### Do EU citizens need German health insurance, or is the EHIC enough? ### Which health insurance do I need for a German student visa? 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Find your matching plan now [Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: 10. September 2026.