Au pair insurance cost in Germany 2026 — €21 to €43 per month
Reviewed by Steffan Grund, insurance specialist for foreign residents in Germany · Last reviewed 2026-04-08
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. 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.
Over 10,000 policies issued · Since 2009
Get the Care Au-Pair certificate your host family needs
Recommended tariffs — most-chosen and full-package
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
→ Complete the application, receive your instant PDF, submit your proof
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
→ 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.
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
|
BestsellerCare Au-Pair M
|
Care Au-Pair XL
|
|---|---|---|---|---|
| Monatsprämie (€/Monat) | 21,– € / Monat | 26,– € / Monat | 35,– € / Monat | 43,– € / Monat |
| Selbstbeteiligung | 50 €/Fall | 35 €/Fall | 0 € | 0 € |
Alle Preise pro Monat/Person in Euro. Eintrittsalter bis 35 Jahre. Laufzeit 1–24 Monate. Versicherbar sind ausländische Au-pairs mit ständigem Wohnsitz im Ausland während eines Aufenthalts in Deutschland sowie deutsche/österreichische Versicherte im Ausland; Geltungsbereich abhängig von Wohnsitz, Gastland und Tarifbedingungen, USA, Kanada und Mexiko ausgenommen. Nachhaftung 3 Monate (alle Tarife). Stand 2026.
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 →
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.
Over 10,000 policies issued · Since 2009
Pick the Care Au-Pair tier your host family will accept
Related guides
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?
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?
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?
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. The cash-only portion is around €440/month.
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.