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    Health Insurance for Foreigners in Germany
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    Care Expatriatefrom €58/month (up to 5 years)

    Long-Term-Health Insurance for Foreigners in Germany – Tariffs, Proofs and Checklist

    Sources: § 5 AufenthG (insurance proof for the residence permit) · § 4 SGB IV (posted workers / Entsendung) · § 18d AufenthG (researchers) · Care Expatriate AVB · HanseMerkur Versicherungsgruppe Hamburg · Care Concept AG

    Foreigners moving to Germany for 6 months to 5 years need a long-term Incoming policy recognised by the Ausländerbehörde under § 5 AufenthG. This applies to intra-company transferees, posted workers, researchers under § 18d AufenthG, freelancers, accompanying family members and most non-EU expats whose employer does not yet enrol them in German statutory cover (GKV).

    The recognised standard is Care Expatriate from €58/month (ages 18–29). Premiums scale by 10-year age tier (30–39, 40–49, 50–59, 60–64, 65–74); the official price table is shown below. Cover runs from 1 to 60 months — long enough for the typical first Aufenthaltstitel cycle and most renewal windows.

    Below: which expat profiles need long-term private Incoming cover (vs voluntary GKV), the four documents the Ausländerbehörde checks at the Aufenthaltstitel appointment, the full Care Expatriate price table by age tier, the bridge route via Care Economy for arrival gaps, and the clean handover to GKV when an expat joins a regular German payroll.

    Long-Stay Coverage

    Care Expatriate by HanseMerkur Versicherungsgruppe / Advigon

    Residence Documents

    Proof for visa or immigration authority documents

    Fast Confirmation

    PDF confirmation available after successful application

    4.9/5

    Over 10,000 policies issued · Since 2009

    Aufenthaltstitel appointment booked? Pick the recognised long-term Incoming tariff.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing
    4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued

    Four mistakes that delay the Aufenthaltstitel appointment

    Quick answer: "Why was my Aufenthaltstitel delayed?" — most long-term expats stumble on one of four points: bought a 90-day Schengen travel policy instead of long-term Incoming cover, applied for voluntary GKV without realising underwriting takes weeks, relied on a home-country employer policy that does not meet § 5 AufenthG, or arrived on a tourist policy that expires before the appointment date. Care Expatriate removes all four by default.

    Avoid the mistakes that can delay your application

    Visitor insurance may be too short

    For multi-month or multi-year stays, Care Expatriate can be a better fit than short visitor coverage.

    Statutory or private?

    Freelancers, self-employed people and some incoming long-stay cases may need private incoming coverage instead of German statutory insurance.

    Residence proof requested?

    Care Expatriate can provide PDF confirmation after successful application for visa or immigration documents.

    Renewal stress later

    A longer coverage term can reduce repeated renewal pressure during projects, residence processes or long stays.

    What happens if your long-term insurance gap is detected

    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.

    🇪🇺

    €30,000 minimum

    Schengen proof must be clear

    Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits.

    • 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.

    Aufenthaltstitel appointments are fixed — secure the Incoming certificate first

    Why act before the embassy appointment

    Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits.

    📅

    Appointments can be limited

    If the proof is missing or unsuitable, preparing corrected documents can cost valuable time.

    ⚡

    PDF certificate after application

    Care Visa Protect provides the certificate by email after successful online application.

    🛡️

    €30,000 minimum coverage

    Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area.

    💶

    From €0.85/day

    Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip.

    From booking to Ausländerbehörde-ready certificate — in 3 steps

    10 minutes online. PDF certificate (English/German) for HR, university administration and the Ausländerbehörde. Cover starts on the day you choose — typically the planned arrival date or the Aufenthaltstitel start date.

    Schengen-ready in 3 steps

    Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.

    1. Pick the right plan

      Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.

    2. Apply online

      Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.

    3. Submit your proof

      Receive the PDF certificate after successful online application and submit it with your visa or authority documents.

    What long-term expats say about Care Expatriate for the Aufenthaltstitel

    4.9/5 · Since 2009 · Over 10,000 policies issued
    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

    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

    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

    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

    Yunhee

    Australia

    Now choose your plan

    4.9/5 · Since 2009 · Over 10,000 policies issued

    Care Expatriate — all long-term rates by age & tier

    Quick answer: Care Expatriate starts at €58/month (ages 18–29). Premiums scale by 10-year age tier; the full official table below shows the exact rate for every age bracket up to 74. Up to 60 months in a single contract — recognised under § 5 AufenthG for the long-term Aufenthaltstitel.

    Care Expatriateworldwide without USA, Canada and Mexico
    Basic
    BestsellerComfort
    Premium
    Deductible / yr
    150,–
    Deductible / yr
    150,–
    Deductible / yr
    500,–
    Deductible / yr
    0,–
    Deductible / yr
    500,–
    Deductible / yr
    1.000,–
    Entry age:0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,–
    Entry age:13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,–
    Entry age:41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,–
    Entry age:61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,–

    All prices per month/person in euros. Deductible applies per insurance year. As of 2026.

    Care Economy — bridge tariff for arrival & ≤2-year stays

    Quick answer: Aufenthaltstitel still being processed and you need fast cover for the arrival window or a posting of ≤2 years? Care Economy from €30 per 30 days bridges the gap and is accepted by the Ausländerbehörde for the initial residence permit.

    Care Economy
    Duration
    Bestsellerup to 64
    up to 64
    Bestseller65+
    65+
    no deductible with deductible no deductible with deductible
    up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day
    91–180 days €1.59/day €1.35/day €4.37/day €3.70/day
    181–365 days €2.30/day €1.95/day €5.84/day €4.95/day
    366–730 days €2.83/day €2.40/day €9.32/day €7.90/day

    All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026.

    Frequently asked questions about long-term health insurance for foreigners in Germany

    Frequently Asked Questions

    What counts as long-term health insurance for the German residence permit?

    Cover that runs for the full intended stay (typically 6 months to 5 years), is recognised under § 5 AufenthG, includes outpatient, hospital and repatriation, and is issued by an insurer accepted by the Ausländerbehörde. Care Expatriate (HanseMerkur Versicherungsgruppe) meets all four conditions and is bookable from €58/month (ages 18–29).

    Can I stay on private Incoming cover for the full 5 years, or do I need to switch to GKV later?

    Care Expatriate is bookable up to 60 months in a single contract. Switching to statutory cover (GKV) is only mandatory if you become a regular German employee under the Jahresarbeitsentgeltgrenze (€77,400/year for 2025). Freelancers, researchers and intra-company transferees can stay on private Incoming for the full 5-year window.

    Is Care Expatriate accepted by HR departments and university administration?

    Yes. The PDF certificate (English/German) is recognised by HR onboarding teams, university Akademisches Auslandsamt offices, and the Ausländerbehörde during the Aufenthaltstitel application — the same proof works for all three. Employees joining a regular German payroll later switch to statutory cover (DAK-Gesundheit at 17.8% of gross, split with the employer).

    4.9/5

    Over 10,000 policies issued · Since 2009

    Moving to Germany for 6 months or longer? Lock in the recognised Incoming tariff.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing