--- title: "From €21/mo · Au pair insurance cost Germany 2026" description: "How much does au-pair insurance cost in Germany (2026)? Care Au-Pair tiers from €21 (Si) to €43 (XL) — host-family cost split, BMFSFJ contract obligations, embassy proof." 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": "Article", "headline": "Au pair insurance cost in Germany 2026 — €21 to €43 per month", "description": "How much does au-pair insurance cost in Germany (2026)? 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older templates list €50)." }, { "@type": "HowToStep", "position": 3, "name": "Board and lodging — ~€350/month equivalent", "text": "Free private room and 3 meals/day, valued at roughly €350/month — non-cash but a real cost line for the household." }, { "@type": "HowToStep", "position": 4, "name": "Insurance — €21 to €43/month", "text": "Care Au-Pair: Si €21 (health only), M €35 (with private liability — most common), XL €43 (M plus accident insurance)." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Au-pair budget Germany — key cost terms", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Pocket money (Taschengeld)", "description": "Minimum €280/month under the BMFSFJ au-pair model contract — paid in cash, independent of hours worked.", "inDefinedTermSet": "Au-pair budget Germany — key cost terms" }, { "@type": "DefinedTerm", "name": "Sprachkurs-Zuschuss", "description": "Language-course subsidy of up to €70/month that the host family typically contributes toward a German A1/A2/B1 Goethe or telc course.", "inDefinedTermSet": "Au-pair budget Germany — key cost terms" }, { "@type": "DefinedTerm", "name": "Kost und Logis", "description": "Free private room and three meals per day — valued at approximately €350/month equivalent and considered part of the au-pair package.", "inDefinedTermSet": "Au-pair budget Germany — key cost terms" }, { "@type": "DefinedTerm", "name": "BMFSFJ", "description": "Bundesministerium für Familie, Senioren, Frauen und Jugend — publisher of the standard German au-pair contract template that defines minimum pocket money and host-family obligations.", "inDefinedTermSet": "Au-pair budget Germany — key cost terms" }, { "@type": "DefinedTerm", "name": "Unfallversicherung", "description": "Private accident insurance — typically required by German host families and included in the Care Au-Pair XL tier from €43/month.", "inDefinedTermSet": "Au-pair budget Germany — key cost terms" }, { "@type": "DefinedTerm", "name": "Haftpflichtversicherung", "description": "Private liability insurance — typically required in the au-pair contract; included from the Care Au-Pair M tier upward.", "inDefinedTermSet": "Au-pair budget Germany — key cost terms" } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Foreigners in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreigners-germany/" }, { "@type": "ListItem", "position": 3, "name": "Au-pair health insurance", "item": "https://www.krankenversicherung-auslaender.de/en/au-pair-health-insurance-germany/" }, { "@type": "ListItem", "position": 4, "name": "Au-pair insurance cost", "item": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "How much does au-pair insurance cost in Germany in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "Care Au-Pair runs from €21/month (Si tier, health only) to €43/month (XL tier, health + private liability + accident). The M tier at €35/month is the one most German host families request because it includes private liability cover." } }, { "@type": "Question", "name": "Does the host family or the au-pair pay for insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Care Au-Pair costs from €21/month (Basic) to €43/month (XL) for au-pairs up to 35 years under § 12 AufenthV. Under the BMFSFJ standard au-pair contract the host family is responsible for arranging and paying health, private liability and accident insurance for the au-pair stay — alongside the €280/month pocket money, up to €70/month German Sprachkurs subsidy, plus free room and board." } }, { "@type": "Question", "name": "Is Care Au-Pair accepted by the German embassy?", "acceptedAnswer": { "@type": "Answer", "text": "The Care Au-Pair PDF certificate is regularly accepted by German embassies and consulates under EU Regulation 810/2009 Art. 15 and by the Ausländerbehörde under § 5 AufenthG. Final acceptance is at the consular officer's discretion." } }, { "@type": "Question", "name": "Can a native English-speaking au-pair from the US, UK, Australia, New Zealand, Canada or South Africa enter Germany visa-free?", "acceptedAnswer": { "@type": "Answer", "text": "Care Au-Pair costs from €21/month (Basic) to €43/month (XL) for au-pairs up to 35 years under § 12 AufenthV. Citizens of the US, UK, Australia, New Zealand, Canada, Japan, South Korea and Israel can enter visa-free and convert to the au-pair residence permit at the local Ausländerbehörde within 90 days — but they still need a German-recognised insurance certificate before the Anmeldung." } }, { "@type": "Question", "name": "What does the host family typically pay per month all-in for an au-pair?", "acceptedAnswer": { "@type": "Answer", "text": "The cash-only portion is around €440/month. Roughly €790/month including the in-kind value of room and board: €280 pocket money + up to €70 Sprachkurs subsidy + ~€350 board and lodging equivalent + €35 Care Au-Pair M + ~€58 Deutschlandticket." } }, { "@type": "Question", "name": "What about A1 German — is it mandatory before the embassy interview?", "acceptedAnswer": { "@type": "Answer", "text": "The BAMF au-pair guideline recommends basic German (A1) so the au-pair can communicate with the host family. In practice, embassies in the Philippines, Colombia and Vietnam often expect an A1 or B1 Goethe or telc certificate; embassies in Western Europe and English-speaking countries are typically more flexible." } }, { "@type": "Question", "name": "Au pair insurance Germany — what does the bundle include and what does it cost?", "acceptedAnswer": { "@type": "Answer", "text": "Au pair health insurance cost Germany sits between €21/month (Si, health only) and €43/month (XL, health plus liability plus accident). Au pair insurance Germany usually means the Care Au-Pair Incoming policy. If you have ever wondered how much does au pair insurance cost in Germany on a host-family budget line, the M tier at €35/month — the standard host family insurance cost au pair families pick — bundles private liability damage in the home alongside medical. The au pair liability insurance cost portion is included from the M tier upward; the au pair accident insurance cost portion is included from the XL tier upward. Care Au-Pair price stays flat for the whole contract once locked in." } }, { "@type": "Question", "name": "Au pair contract Germany BMFSFJ — what does the host family pay around the policy?", "acceptedAnswer": { "@type": "Answer", "text": "The au pair visa fee germany 75 EUR consular charge is paid once at the embassy. Under the au pair contract Germany BMFSFJ standard template the host family also covers au pair pocket money 280 euro per month, an au pair language course allowance 50 to 70 euros for a Sprachkurs, and au pair board and lodging cost Germany (private room plus three meals per day, in-kind value around €350/month). Together this puts au pair monthly budget germany 2026 at roughly €790 all-in including in-kind value, or about €440 cash out of pocket per month for the family." } }, { "@type": "Question", "name": "Au pair from USA, UK, Ireland, Canada, Australia, New Zealand or South Africa — visa-free or not?", "acceptedAnswer": { "@type": "Answer", "text": "Au pair from USA germany and au pair from Canada germany applicants can enter visa-free and convert to the residence permit inside Germany within 90 days. Au pair from UK Ireland germany participants follow the same visa-free path (UK post-Brexit, Ireland as EU). Au pair from Australia New Zealand germany applicants also enter under the visa-free list. Au pair from South Africa germany is the exception — South African nationals do need a national visa at a German mission before travel, despite the common confusion. A native English speaking au pair Germany passport from any of these countries still needs the Care Au-Pair certificate before the Anmeldung. The BAMF au pair guideline sets the rules; the local Ausländerbehörde issues the final residence permit." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does au-pair insurance cost in Germany in 2026?", "text": "How much does au-pair insurance cost in Germany in 2026?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Au-Pair runs from €21/month (Si tier, health only) to €43/month (XL tier, health + private liability + accident). The M tier at €35/month is the one most German host families request because it includes private liability cover.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the host family or the au-pair pay for insurance?", "text": "Does the host family or the au-pair pay for insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Au-Pair costs from €21/month (Basic) to €43/month (XL) for au-pairs up to 35 years under § 12 AufenthV. Under the BMFSFJ standard au-pair contract the host family is responsible for arranging and paying health, private liability and accident insurance for the au-pair stay — alongside the €280/month pocket money, up to €70/month German Sprachkurs subsidy, plus free room and board.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care Au-Pair accepted by the German embassy?", "text": "Is Care Au-Pair accepted by the German embassy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The Care Au-Pair PDF certificate is regularly accepted by German embassies and consulates under EU Regulation 810/2009 Art. 15 and by the Ausländerbehörde under § 5 AufenthG. Final acceptance is at the consular officer's discretion.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can a native English-speaking au-pair from the US, UK, Australia, New Zealand, Canada or South Africa enter Germany visa-free?", "text": "Can a native English-speaking au-pair from the US, UK, Australia, New Zealand, Canada or South Africa enter Germany visa-free?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Au-Pair costs from €21/month (Basic) to €43/month (XL) for au-pairs up to 35 years under § 12 AufenthV. Citizens of the US, UK, Australia, New Zealand, Canada, Japan, South Korea and Israel can enter visa-free and convert to the au-pair residence permit at the local Ausländerbehörde within 90 days — but they still need a German-recognised insurance certificate before the Anmeldung.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does the host family typically pay per month all-in for an au-pair?", "text": "What does the host family typically pay per month all-in for an au-pair?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The cash-only portion is around €440/month. Roughly €790/month including the in-kind value of room and board: €280 pocket money + up to €70 Sprachkurs subsidy + ~€350 board and lodging equivalent + €35 Care Au-Pair M + ~€58 Deutschlandticket.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What about A1 German — is it mandatory before the embassy interview?", "text": "What about A1 German — is it mandatory before the embassy interview?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The BAMF au-pair guideline recommends basic German (A1) so the au-pair can communicate with the host family. In practice, embassies in the Philippines, Colombia and Vietnam often expect an A1 or B1 Goethe or telc certificate; embassies in Western Europe and English-speaking countries are typically more flexible.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Au pair insurance Germany — what does the bundle include and what does it cost?", "text": "Au pair insurance Germany — what does the bundle include and what does it cost?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Au pair health insurance cost Germany sits between €21/month (Si, health only) and €43/month (XL, health plus liability plus accident). Au pair insurance Germany usually means the Care Au-Pair Incoming policy. If you have ever wondered how much does au pair insurance cost in Germany on a host-family budget line, the M tier at €35/month — the standard host family insurance cost au pair families pick — bundles private liability damage in the home alongside medical. The au pair liability insurance cost portion is included from the M tier upward; the au pair accident insurance cost portion is included from the XL tier upward. Care Au-Pair price stays flat for the whole contract once locked in.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Au pair contract Germany BMFSFJ — what does the host family pay around the policy?", "text": "Au pair contract Germany BMFSFJ — what does the host family pay around the policy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The au pair visa fee germany 75 EUR consular charge is paid once at the embassy. Under the au pair contract Germany BMFSFJ standard template the host family also covers au pair pocket money 280 euro per month, an au pair language course allowance 50 to 70 euros for a Sprachkurs, and au pair board and lodging cost Germany (private room plus three meals per day, in-kind value around €350/month). Together this puts au pair monthly budget germany 2026 at roughly €790 all-in including in-kind value, or about €440 cash out of pocket per month for the family.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Au pair from USA, UK, Ireland, Canada, Australia, New Zealand or South Africa — visa-free or not?", "text": "Au pair from USA, UK, Ireland, Canada, Australia, New Zealand or South Africa — visa-free or not?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Au pair from USA germany and au pair from Canada germany applicants can enter visa-free and convert to the residence permit inside Germany within 90 days. Au pair from UK Ireland germany participants follow the same visa-free path (UK post-Brexit, Ireland as EU). Au pair from Australia New Zealand germany applicants also enter under the visa-free list. Au pair from South Africa germany is the exception — South African nationals do need a national visa at a German mission before travel, despite the common confusion. A native English speaking au pair Germany passport from any of these countries still needs the Care Au-Pair certificate before the Anmeldung. The BAMF au pair guideline sets the rules; the local Ausländerbehörde issues the final residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/au-pair-insurance-cost-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-20", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.dehttps://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "contentUrl": "https://www.krankenversicherung-auslaender.dehttps://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "caption": "Au-pair insurance cost Germany 2026 — Care Au-Pair Si, S, M, XL tier pricing", "creditText": "Care Concept AG", "license": "https://krankenversicherung-auslaender.lovable.app/impressum/", "copyrightNotice": "© Care Concept AG" } ] --- 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/) [Care Au-Pair from €21/month (up to 2 years) ](/en/insurance-plans/care-au-pair/overview/) 1. [Home](/en/) 2. [Foreigners in Germany](/en/health-insurance-foreigners-germany/) 3. [Au-pair health insurance](/en/au-pair-health-insurance-germany/) 4. Au-pair insurance cost # Au pair insurance cost in Germany 2026 — €21 to €43 per month Reviewed by [Steffan Grund](/impressum/), insurance specialist for foreign residents in Germany · Last reviewed 2026-08-19 Sources: BMFSFJ au-pair model contract · BAMF au-pair guideline · § 12 BeschV · HanseMerkur AVB 2024 · Care Concept AG **Quick answer:** Au-pair insurance in Germany typically costs **€21 to €43 per month** in 2026: Care Au-Pair Si from €21 (health only), M from €35 (with private liability — most-requested tier) and XL from €43 (M plus accident insurance). Most host families pay the premium as part of the BMFSFJ standard au-pair contract. If you are arriving from the **United States, the United Kingdom, Ireland, Australia, New Zealand, Canada or South Africa** for an au-pair year in Germany, the _au pair insurance cost_ question is usually the second thing the host family asks after the visa appointment. Native English-speaking au-pairs are in high demand with German-speaking families looking for native-level English exposure for their children — but the same BMFSFJ model contract and the same § 12 BeschV residence permit apply. The dedicated tariff for au-pairs in the DACH region (Germany, Austria, Switzerland) is [Care Au-Pair from €21/month](/en/insurance-plans/care-au-pair/overview/). Most host families request the M tier (with private liability) or the XL tier (with accident insurance) — both are typically accepted by the German embassy under EU Regulation 810/2009 Art. 15 and by the Ausländerbehörde under § 5 AufenthG. ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 20, 2026** SourcesEU 810/2009 Art. 15 · § 5 AufenthG · BAMF au-pair guideline · BMFSFJ au-pair model contract · HanseMerkur AVB · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Get the Care Au-Pair certificate your host family needs [Care Au-Pair (au-pairs · up to 2 years) from €21/month (up to 2 years) ](/en/insurance-plans/care-au-pair/overview/)[Care Economy (visitor bridge · up to 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing ## Recommended tariffs — most-chosen and full-package ⭐ Most chosen — M tier ### Care Au-Pair from only €21.00 / month (coverage up to 24 months) For foreign au pairs in Germany & host families - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets requirements for authorities & au pair contracts - Doctor, hospital, prescription medication & dental treatment coverage - For au pair stays in Germany - 4 plan levels: Si, S, M & XL — based on budget and coverage needs - Temporary trips outside the host country may be covered depending on tariff and conditions - 24/7 assistance + digital insurance card - Coverage term: 1 to 24 months · entry age up to 35 - Rates by plan level: from €21 / month - Reputable insurance carrier Why Care Au-Pair? For foreign au pairs in Germany who need affordable health insurance and fast proof of coverage for visas, immigration authorities or the au pair contract — suitable for both au pairs and host families. Why a 24-month coverage term? More planning security during the au pair stay: less renewal stress and a lower risk of a coverage gap if the stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €21 / month · coverage up to 24 months [Care Au-Pair – Quick Overview](/en/insurance-plans/care-au-pair/plan-details/) [Apply online now](/en/insurance-plans/care-au-pair/apply/) → Complete the application, receive your instant PDF, submit your proof 🛡️ Full package — XL tier ### Care Au-Pair from only €21.00 / month (coverage up to 24 months) For foreign au pairs in Germany & host families - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets requirements for authorities & au pair contracts - Doctor, hospital, prescription medication & dental treatment coverage - For au pair stays in Germany - 4 plan levels: Si, S, M & XL — based on budget and coverage needs - Temporary trips outside the host country may be covered depending on tariff and conditions - 24/7 assistance + digital insurance card - Coverage term: 1 to 24 months · entry age up to 35 - Rates by plan level: from €21 / month - Reputable insurance carrier Why Care Au-Pair? For foreign au pairs in Germany who need affordable health insurance and fast proof of coverage for visas, immigration authorities or the au pair contract — suitable for both au pairs and host families. Why a 24-month coverage term? More planning security during the au pair stay: less renewal stress and a lower risk of a coverage gap if the stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €21 / month · coverage up to 24 months [Care Au-Pair – Quick Overview](/en/insurance-plans/care-au-pair/plan-details/) [Apply online now](/en/insurance-plans/care-au-pair/apply/) → Complete the application, receive your instant PDF, submit your proof ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 👨‍👩‍👧 24 months max Contract and visa proof must match Au-pair insurance should match the host-family contract, stay dates and visa documents before the application is submitted. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Why act before the au pair contract starts Au pair insurance proof should match the host-family contract, visa documents and stay dates before travel begins. 👨‍👩‍👧 Contract proof matters Care Au-Pair can provide proof for au pair, host family and visa documents where required. 📅 1 to 24 months Choose the coverage term that matches the planned au pair stay. ⚡ Pick the plan level early Si, S, M and XL differ by budget and benefits. Do not wait until the visa appointment. 🧳 Trips need checking Temporary trips outside the host country may be covered depending on tariff and conditions. Key facts at a glance Reviewed August 20, 2026 - **Care Au-Pair Si** from €21/month — health only, €50/case deductible. Cheapest tier. (Source: HanseMerkur AVB). - **Care Au-Pair M (most-requested)** €35/month — €0 deductible + private liability cover. Tier most German host families ask for. (Source: HanseMerkur AVB). - **Care Au-Pair XL** €43/month — M plus accident insurance (Unfallversicherung). (Source: HanseMerkur AVB). - **BMFSFJ pocket money** minimum €280/month plus up to €70/month language-course subsidy. (Source: BMFSFJ au-pair model contract). ## Total host-family cost per month — 2026 reference Cost line Monthly amount (2026) Source Pocket money (Taschengeld) **€280** (min.) BMFSFJ model contract German-language course subsidy up to **€70** BMFSFJ guidance Board & lodging (Kost und Logis, equivalent value) ~**€350** Market estimate 2026 Care Au-Pair M (health + liability) **€35** HanseMerkur AVB Public-transport ticket (Deutschlandticket) ~**€58** DB 2026 reference Approximate monthly total ≈ **€790** (cash + equivalent) Editorial estimate Cash outflow is roughly **€440/month** (pocket money + language course + insurance + transport); board and lodging is an in-kind cost. Final amounts vary by city, tariff tier and individual contract. ## Care Au-Pair — all tiers, all monthly prices Care Au-Pair Care Au-Pair SI Care Au-Pair S Bestseller Care Au-Pair M Care Au-Pair XL Monthly premium (€/month) €21.00 / month €26.00 / month €35.00 / month €43.00 / month Deductible 50 €/case 35 €/case 0 € 0 € All prices per month/person in euros. Entry age up to 35. Term 1–24 months. Insurable groups include foreign au pairs with permanent residence abroad during a stay in Germany, plus German/Austrian residents abroad. Scope depends on residence, host country and tariff conditions; USA, Canada and Mexico excluded. 3-month post-contract liability (all plans). As of 2026. [Care Au-Pair — Overview](/en/insurance-plans/care-au-pair/overview/) [Apply now](/en/insurance-plans/care-au-pair/overview/) ## Case study: Emma, 23, from Manchester → au-pair year in Munich Emma started with the Si tier (€21/month) to keep costs low. Three weeks in, her host family asked for the private-liability certificate the BMFSFJ template contract requires — Si does not include it. She switched online to Care Au-Pair M (€35/month); the new PDF was issued in under 10 minutes and took effect from the next 1st. **Lesson:** at €35/month the M tier already covers private liability (up to €5 million) and removes the €50/case deductible of the Si tier — usually cheaper than two GP visits combined. [Get Care Au-Pair M now →](/en/insurance-plans/care-au-pair/overview/) ## Native English-speaking au-pairs in Germany Native English-speaking au-pairs from the **US, UK, Ireland, Australia, New Zealand, Canada and South Africa** are particularly popular with German host families who want authentic English exposure for their children. Citizens of the US, UK (post-Brexit treated as third-country), Australia, New Zealand, Canada, South Korea, Japan and Israel can enter Germany visa-free and convert directly to the au-pair residence permit at the Ausländerbehörde within 90 days of arrival — but they still need a German-recognised insurance proof (Care Au-Pair PDF certificate) before the Anmeldung. Au-pairs from Ireland or other EU/EEA states do not need a residence permit, but the host-family contract and insurance obligation are identical. The price brackets above apply to all nationalities — Care Au-Pair is age-based (up to 35), not nationality-based. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Pick the Care Au-Pair tier your host family will accept [Care Au-Pair (au-pairs · up to 2 years) from €21/month (up to 2 years) ](/en/insurance-plans/care-au-pair/overview/)[Care Economy (visitor bridge · up to 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing **Trust qualifier.** Final acceptance of the insurance certificate and the au-pair residence permit always rests with the German consulate that processes your visa and the local Ausländerbehörde that issues the residence permit. Tier choice, contract wording and embassy practice vary by case. Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. ## Related guides - [Au-pair health insurance for Germany — main guide](/en/au-pair-health-insurance-germany/) - [After your au-pair year — switch to student, Ausbildung or job-seeker visa](/en/au-pair-to-student-visa-germany/) - [Expat health insurance Germany (for post-au-pair stays beyond 24 months)](/en/expat-health-insurance-germany/) ## Frequently Asked Questions How much does au-pair insurance cost in Germany in 2026? Care Au-Pair runs from €21/month (Si tier, health only) to €43/month (XL tier, health + private liability + accident). The M tier at €35/month is the one most German host families request because it includes private liability cover. Does the host family or the au-pair pay for insurance? Care Au-Pair costs from €21/month (Basic) to €43/month (XL) for au-pairs up to 35 years under § 12 AufenthV. Under the BMFSFJ standard au-pair contract the host family is responsible for arranging and paying health, private liability and accident insurance for the au-pair stay — alongside the €280/month pocket money, up to €70/month German Sprachkurs subsidy, plus free room and board. Is Care Au-Pair accepted by the German embassy? The Care Au-Pair PDF certificate is regularly accepted by German embassies and consulates under EU Regulation 810/2009 Art. 15 and by the Ausländerbehörde under § 5 AufenthG. Final acceptance is at the consular officer's discretion. Can a native English-speaking au-pair from the US, UK, Australia, New Zealand, Canada or South Africa enter Germany visa-free? Care Au-Pair costs from €21/month (Basic) to €43/month (XL) for au-pairs up to 35 years under § 12 AufenthV. Citizens of the US, UK, Australia, New Zealand, Canada, Japan, South Korea and Israel can enter visa-free and convert to the au-pair residence permit at the local Ausländerbehörde within 90 days — but they still need a German-recognised insurance certificate before the Anmeldung. What does the host family typically pay per month all-in for an au-pair? The cash-only portion is around €440/month. Roughly €790/month including the in-kind value of room and board: €280 pocket money + up to €70 Sprachkurs subsidy + ~€350 board and lodging equivalent + €35 Care Au-Pair M + ~€58 Deutschlandticket. What about A1 German — is it mandatory before the embassy interview? The BAMF au-pair guideline recommends basic German (A1) so the au-pair can communicate with the host family. In practice, embassies in the Philippines, Colombia and Vietnam often expect an A1 or B1 Goethe or telc certificate; embassies in Western Europe and English-speaking countries are typically more flexible. Au pair insurance Germany — what does the bundle include and what does it cost? Au pair health insurance cost Germany sits between €21/month (Si, health only) and €43/month (XL, health plus liability plus accident). Au pair insurance Germany usually means the Care Au-Pair Incoming policy. If you have ever wondered how much does au pair insurance cost in Germany on a host-family budget line, the M tier at €35/month — the standard host family insurance cost au pair families pick — bundles private liability damage in the home alongside medical. The au pair liability insurance cost portion is included from the M tier upward; the au pair accident insurance cost portion is included from the XL tier upward. Care Au-Pair price stays flat for the whole contract once locked in. Au pair contract Germany BMFSFJ — what does the host family pay around the policy? The au pair visa fee germany 75 EUR consular charge is paid once at the embassy. Under the au pair contract Germany BMFSFJ standard template the host family also covers au pair pocket money 280 euro per month, an au pair language course allowance 50 to 70 euros for a Sprachkurs, and au pair board and lodging cost Germany (private room plus three meals per day, in-kind value around €350/month). Together this puts au pair monthly budget germany 2026 at roughly €790 all-in including in-kind value, or about €440 cash out of pocket per month for the family. Au pair from USA, UK, Ireland, Canada, Australia, New Zealand or South Africa — visa-free or not? Au pair from USA germany and au pair from Canada germany applicants can enter visa-free and convert to the residence permit inside Germany within 90 days. Au pair from UK Ireland germany participants follow the same visa-free path (UK post-Brexit, Ireland as EU). Au pair from Australia New Zealand germany applicants also enter under the visa-free list. Au pair from South Africa germany is the exception — South African nationals do need a national visa at a German mission before travel, despite the common confusion. A native English speaking au pair Germany passport from any of these countries still needs the Care Au-Pair certificate before the Anmeldung. The BAMF au pair guideline sets the rules; the local Ausländerbehörde issues the final residence permit. [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: August 20, 2026.