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
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
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
Visa interview soon? Embassies require valid health-insurance proof at the appointment — apply today, get the PDF in your inbox in minutes.
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
Visa & Schengen
Proof for the embassy — avoid rejection
Studies & language school
Secure enrollment — from €27.50/mo
Expats & freelancers
Protect your residence permit — from €58/mo
Employees
Statutory cover from day 1 — prepare your registration
Retirees & seniors
Long-term stay without insurance gap
Blocked account
Visa + blocked account + insurance — one application
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
Choose your situation
Select your audience and stay duration — visa, studies, work or long-term stay.
Compare tariffs
Transparent prices, instantly visible — no hidden costs. Statutory health fund or private cover.
Apply online
5–10 minute application, insurance certificate immediately by email — ready for embassy or authority.
In a hurry? Pick the closest match:
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.
| Your situation | Recommended solution | From |
|---|---|---|
| Student under 30, enrolled | DAK-Gesundheit (statutory) | €135.52/month · open-ended |
| Student over 30 or GKV-exempt | Care Student (private) | €101.54/month · up to 5 years |
| Language course / Studienkolleg | Care College | €27.50/month · up to 5 years |
| Blocked account + insurance combo | BASTI blocked account | €4.90/month · 1 year |
| Semester break abroad | Care Economy | €30/30 days · up to 2 years |
Student under 30, enrolled
Student over 30 or GKV-exempt
Language course / Studienkolleg
Blocked account + insurance combo
Semester break abroad
| Your situation | Recommended solution | From |
|---|---|---|
| Permanent employment (GKV-required) | DAK-Gesundheit (statutory) | 17.8% gross · open-ended |
| Transition between two jobs | Care Economy | €30/30 days · up to 2 years |
| Seasonal work (up to 91 days) | Care 01 seasonal workers | €0.39/day · up to 91 days |
| Job search / Chancenkarte | Care Economy | €30/30 days · up to 2 years |
Permanent employment (GKV-required)
Transition between two jobs
Seasonal work (up to 91 days)
Job search / Chancenkarte
| Your situation | Recommended solution | From |
|---|---|---|
| Freelancer / self-employed | Care Expatriate | €58/month · up to 5 years |
| Expat with family | Care Expatriate | €58/month · up to 5 years |
| Short stay up to 2 years | Care Economy | €30/30 days · up to 2 years |
| Blue Card specialist | DAK-Gesundheit (statutory) | 17.8% gross · open-ended |
| Your situation | Recommended solution | From |
|---|---|---|
| Long-term stay retiree (61–74) | Care Expatriate | from €246/month · up to 5 years |
| Short visit parents/seniors | Care Economy | €30/30 days · up to 2 years |
| Parent reunification § 36 AufenthG | Care Economy → Care Expatriate | €30/30 days · up to 2 years |
| Your situation | Recommended solution | From |
|---|---|---|
| Schengen visa (up to 92 days) | Care Visa Protect | €0.85/day · up to 92 days |
| Au-pair in DACH | Care Au-Pair | €21/month · up to 2 years |
| Tourist / visitor | Care Economy | €30/30 days · up to 2 years |
| Formal obligation (Verpflichtungserklärung) | Care Economy | €30/30 days · up to 2 years |
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.
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.
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) and received the insurance confirmation immediately by email — in time for the start of the semester.
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 in 8 minutes and received his membership confirmation immediately — statutory health insurance was active from day 1.
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 through our portal (€30/30 days) and switched after three months to Care Expatriate 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: 6. April 2026.
What our customers say about us
“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
Cameroon
“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
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“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
Australia
Now choose your plan
Frequently asked questions
Over 10,000 policies issued · Since 2009