--- title: "From €30 – Family reunification health insurance Germany" description: "Family reunification visa to Germany: €30,000 minimum cover, repatriation, parents 60+ — Care Economy from €30/30d, Care Expatriate ages 0–74 up to 5 yrs." 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", 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"https://www.krankenversicherung-auslaender.de/impressum/" ] }, { "@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": "HowTo", "name": "How to obtain embassy-ready health insurance for a German family-reunification visa", "description": "Four-step process to get the recognised insurance certificate (€30,000 minimum cover + repatriation) for the German consulate, valid for spouse, child and parent reunification under §§ 27–36 AufenthG.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose the recognised tariff", "text": "Pick Care Economy (visa stage, up to 2 years, from €30 / 30 days for ages up to 64) or Care Expatriate (post-arrival residence permit, ages 0–74, up to 5 years) — both meet the EU Regulation 810/2009 Art. 15 minimum of €30,000 medical cover plus repatriation." }, { "@type": "HowToStep", "position": 2, "name": "Pay online and receive the PDF certificate", "text": "Booking takes about 10 minutes. The bilingual insurance certificate is emailed immediately after payment and lists name, date of birth, validity dates, €30,000 minimum cover, repatriation clause and Schengen validity — exactly what the German embassy and Ausländerbehörde expect." }, { "@type": "HowToStep", "position": 3, "name": "Upload to VIDEX or hand in at the consulate", "text": "Attach the PDF to your VIDEX application or print it for the family-reunification visa appointment alongside the marriage / birth certificate, accommodation proof and means of subsistence (§ 5 AufenthG)." }, { "@type": "HowToStep", "position": 4, "name": "Switch to long-term cover after arrival (if needed)", "text": "Once the residence permit is issued for longer than two years, families typically move from Care Economy to Care Expatriate so the Ausländerbehörde re-stamps the permit without delay. Parents 41–60 from €68/month, 61–74 from €246/month." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Family reunification to Germany — key terms", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Familiennachzug (family reunification)", "description": "The German legal procedure that allows spouses, registered partners, minor children and — in narrowly defined cases — parents to join a sponsor lawfully resident in Germany. Regulated by §§ 27–36 AufenthG.", "sameAs": "https://www.gesetze-im-internet.de/aufenthg_2004/", "inDefinedTermSet": "Family reunification to Germany — key terms" }, { "@type": "DefinedTerm", "name": "Elternnachzug (parent reunification)", "description": "Reunification of parents of a German citizen or, in exceptional hardship cases, of a third-country national resident in Germany — § 36 AufenthG. Requires recognised health insurance for the parent (typically Care Expatriate ages 61–74).", "sameAs": "https://www.gesetze-im-internet.de/aufenthg_2004/__36.html", "inDefinedTermSet": "Family reunification to Germany — key terms" }, { "@type": "DefinedTerm", "name": "§ 5 AufenthG — sufficient subsistence", "description": "General condition for any German residence permit: applicants must show secured means of subsistence including health insurance cover. The Ausländerbehörde verifies this at renewal.", "sameAs": "https://www.gesetze-im-internet.de/aufenthg_2004/__5.html", "inDefinedTermSet": "Family reunification to Germany — key terms" }, { "@type": "DefinedTerm", "name": "§ 10 SGB V — family insurance", "description": "Statutory rule allowing a non-working spouse or child of a GKV member to be co-insured at no extra cost — typically applicable only once the family member is lawfully resident in Germany.", "sameAs": "https://www.gesetze-im-internet.de/sgb_5/__10.html", "inDefinedTermSet": "Family reunification to Germany — key terms" }, { "@type": "DefinedTerm", "name": "EU Regulation 810/2009 Art. 15 (Schengen Visa Code)", "description": "EU rule that travel medical insurance for any Schengen visa must cover at least €30,000 of medical expenses including emergency hospital treatment and repatriation, valid in all 27 Schengen states.", "sameAs": "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32009R0810", "inDefinedTermSet": "Family reunification to Germany — key terms" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Which health insurance is commonly required for a family-reunification visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "German consulates apply the same baseline as every Schengen application — at least €30,000 of medical cover plus medically necessary repatriation — for the family-reunification visa under §§ 27–36 AufenthG. For ages up to 64 Care Economy from €30 / 30 days is the standard recognised short-term tariff; for the post-arrival residence permit, Care Expatriate (ages 0–74, up to 5 years) is the long-term Incoming tariff the Ausländerbehörde accepts under § 5 AufenthG." } }, { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Economy or do I need a long-term contract?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Care Economy is commonly accepted at the visa application stage and for the first months of the residence permit because it covers up to 2 years, includes repatriation and meets the €30,000 EU minimum. Once the residence permit is issued for longer than two years, families typically switch to Care Expatriate so the Ausländerbehörde can re-stamp the permit without delay. Final acceptance always depends on the responsible Ausländerbehörde." } }, { "@type": "Question", "name": "My elderly parent is 65. Which tariff actually works for parent reunification (Elternnachzug)?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate covers ages 0–74. Premiums for parents aged 41–60 start from €68/month and for parents aged 61–74 from €246/month. No medical examination is required at booking, although pre-existing conditions and pregnancy are excluded by the insurer's terms (HanseMerkur AVB)." } }, { "@type": "Question", "name": "What exactly must appear on the insurance certificate for the embassy?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): The PDF certificate is typically expected to show — exact wording depends on the responsible consulate — the insured person's name and date of birth, validity dates covering the full requested stay, minimum medical cover of €30,000, an explicit repatriation clause and validity in all 27 Schengen states for the visa stage. Care Economy and Care Visa Protect issue this PDF immediately after payment — ready to upload to VIDEX or hand in at the consulate." } }, { "@type": "Question", "name": "We want to visit Germany first (≤92 days) before the reunification visa — what then?", "acceptedAnswer": { "@type": "Answer", "text": "For a short pre-reunification visit on a Schengen visa, Care Visa Protect from €0.85/day (minimum €8.50 per trip, up to €50,000) is the cheapest recognised Schengen-only option. It does not replace the long-stay tariff for the actual family-reunification visa — switch to Care Economy or Care Expatriate before the D-visa appointment." } }, { "@type": "Question", "name": "Can a spouse join my German statutory insurance (GKV) for free instead?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Only once you are legally resident and family insurance under § 10 SGB V applies — typically after the residence permit is issued and the principal insured is in a GKV. At the visa stage and during the gap until enrolment, you still need recognised private Incoming cover (Care Economy or Care Expatriate) for the embassy and the Ausländerbehörde." } }, { "@type": "Question", "name": "How long does it take to get the certificate to take to the German embassy appointment?", "acceptedAnswer": { "@type": "Answer", "text": "About 10 minutes online. After payment the PDF certificate is emailed immediately. Upload it to VIDEX or print it for the consulate appointment together with the family-reunification application; if the embassy asks for an extended period, just reissue the PDF with the new dates — no medical exam, no waiting period." } }, { "@type": "Question", "name": "How long does a family-reunification visa to Germany take, and how should I time the insurance?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Processing of the family reunion visa Germany application at the consulate typically takes 4 to 12 weeks, sometimes longer for parent reunification (Elternnachzug, § 36 AufenthG) and for posts with high demand. Plan to have recognised cover ready from the date you want to enter Germany — Care Economy and Care Expatriate let you set the start date freely and reissue the PDF if the embassy appointment shifts, so you do not pay for unused weeks." } }, { "@type": "Question", "name": "Can I work in Germany on a family-reunification visa, and does that change the insurance I need?", "acceptedAnswer": { "@type": "Answer", "text": "Spouses joining under §§ 27–30 AufenthG generally receive unrestricted work permission with the residence permit. As soon as employment begins and the salary is below the JVEG threshold (€77,400 per year in 2026), GKV (statutory insurance) becomes mandatory — at that point Care Economy / Care Expatriate is replaced by a German statutory fund and family members are typically co-insured for free under § 10 SGB V. Until the work contract starts, the Incoming tariff remains the recognised proof for the Ausländerbehörde." } }, { "@type": "Question", "name": "What is a family reunion visa to Germany, and what insurance does it commonly require?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): A family reunion visa to Germany (Familienzusammenführung / Familiennachzug) is the national D-visa under §§ 27–36 AufenthG that lets a spouse, registered partner, minor child or — in narrow hardship cases — a parent join a sponsor lawfully resident in Germany. On the insurance point the embassy and Ausländerbehörde commonly require recognised cover with at least €30,000 of medical expenses plus medically necessary repatriation, valid from day one of the requested stay. Care Economy (visa stage, ages up to 64 from €30 / 30 days) and Care Expatriate (post-arrival, ages 0–74) are the two Incoming tariffs that meet this baseline — final acceptance depends on the responsible consulate." } }, { "@type": "Question", "name": "How do I apply for a family reunion visa in Germany, and when do I attach the insurance certificate?", "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Book an appointment at the German consulate responsible for your residence, fill in the VIDEX application for the national D-visa under § 27 AufenthG, and bring the family-reunification file: marriage or birth certificate (often apostilled), sponsor's passport and Meldebescheinigung, accommodation proof, means of subsistence (§ 5 AufenthG) and the insurance certificate (€30,000 + repatriation, valid in all 27 Schengen states for the visa stage). The Care Economy or Care Expatriate PDF is emailed within 10 minutes after payment and can be uploaded to VIDEX or handed in at the biometric appointment — reissue with new dates if the embassy slot shifts." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which health insurance is commonly required for a family-reunification visa to Germany?", "text": "Which health insurance is commonly required for a family-reunification visa to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "German consulates apply the same baseline as every Schengen application — at least €30,000 of medical cover plus medically necessary repatriation — for the family-reunification visa under §§ 27–36 AufenthG. For ages up to 64 Care Economy from €30 / 30 days is the standard recognised short-term tariff; for the post-arrival residence permit, Care Expatriate (ages 0–74, up to 5 years) is the long-term Incoming tariff the Ausländerbehörde accepts under § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Economy or do I need a long-term contract?", "text": "Does the Ausländerbehörde accept Care Economy or do I need a long-term contract?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Care Economy is commonly accepted at the visa application stage and for the first months of the residence permit because it covers up to 2 years, includes repatriation and meets the €30,000 EU minimum. Once the residence permit is issued for longer than two years, families typically switch to Care Expatriate so the Ausländerbehörde can re-stamp the permit without delay. Final acceptance always depends on the responsible Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "My elderly parent is 65. Which tariff actually works for parent reunification (Elternnachzug)?", "text": "My elderly parent is 65. Which tariff actually works for parent reunification (Elternnachzug)?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate covers ages 0–74. Premiums for parents aged 41–60 start from €68/month and for parents aged 61–74 from €246/month. No medical examination is required at booking, although pre-existing conditions and pregnancy are excluded by the insurer's terms (HanseMerkur AVB).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What exactly must appear on the insurance certificate for the embassy?", "text": "What exactly must appear on the insurance certificate for the embassy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): The PDF certificate is typically expected to show — exact wording depends on the responsible consulate — the insured person's name and date of birth, validity dates covering the full requested stay, minimum medical cover of €30,000, an explicit repatriation clause and validity in all 27 Schengen states for the visa stage. Care Economy and Care Visa Protect issue this PDF immediately after payment — ready to upload to VIDEX or hand in at the consulate.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "We want to visit Germany first (≤92 days) before the reunification visa — what then?", "text": "We want to visit Germany first (≤92 days) before the reunification visa — what then?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For a short pre-reunification visit on a Schengen visa, Care Visa Protect from €0.85/day (minimum €8.50 per trip, up to €50,000) is the cheapest recognised Schengen-only option. It does not replace the long-stay tariff for the actual family-reunification visa — switch to Care Economy or Care Expatriate before the D-visa appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can a spouse join my German statutory insurance (GKV) for free instead?", "text": "Can a spouse join my German statutory insurance (GKV) for free instead?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Only once you are legally resident and family insurance under § 10 SGB V applies — typically after the residence permit is issued and the principal insured is in a GKV. At the visa stage and during the gap until enrolment, you still need recognised private Incoming cover (Care Economy or Care Expatriate) for the embassy and the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long does it take to get the certificate to take to the German embassy appointment?", "text": "How long does it take to get the certificate to take to the German embassy appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "About 10 minutes online. After payment the PDF certificate is emailed immediately. Upload it to VIDEX or print it for the consulate appointment together with the family-reunification application; if the embassy asks for an extended period, just reissue the PDF with the new dates — no medical exam, no waiting period.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long does a family-reunification visa to Germany take, and how should I time the insurance?", "text": "How long does a family-reunification visa to Germany take, and how should I time the insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Processing of the family reunion visa Germany application at the consulate typically takes 4 to 12 weeks, sometimes longer for parent reunification (Elternnachzug, § 36 AufenthG) and for posts with high demand. Plan to have recognised cover ready from the date you want to enter Germany — Care Economy and Care Expatriate let you set the start date freely and reissue the PDF if the embassy appointment shifts, so you do not pay for unused weeks.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I work in Germany on a family-reunification visa, and does that change the insurance I need?", "text": "Can I work in Germany on a family-reunification visa, and does that change the insurance I need?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Spouses joining under §§ 27–30 AufenthG generally receive unrestricted work permission with the residence permit. As soon as employment begins and the salary is below the JVEG threshold (€77,400 per year in 2026), GKV (statutory insurance) becomes mandatory — at that point Care Economy / Care Expatriate is replaced by a German statutory fund and family members are typically co-insured for free under § 10 SGB V. Until the work contract starts, the Incoming tariff remains the recognised proof for the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is a family reunion visa to Germany, and what insurance does it commonly require?", "text": "What is a family reunion visa to Germany, and what insurance does it commonly require?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): A family reunion visa to Germany (Familienzusammenführung / Familiennachzug) is the national D-visa under §§ 27–36 AufenthG that lets a spouse, registered partner, minor child or — in narrow hardship cases — a parent join a sponsor lawfully resident in Germany. On the insurance point the embassy and Ausländerbehörde commonly require recognised cover with at least €30,000 of medical expenses plus medically necessary repatriation, valid from day one of the requested stay. Care Economy (visa stage, ages up to 64 from €30 / 30 days) and Care Expatriate (post-arrival, ages 0–74) are the two Incoming tariffs that meet this baseline — final acceptance depends on the responsible consulate.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do I apply for a family reunion visa in Germany, and when do I attach the insurance certificate?", "text": "How do I apply for a family reunion visa in Germany, and when do I attach the insurance certificate?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Book an appointment at the German consulate responsible for your residence, fill in the VIDEX application for the national D-visa under § 27 AufenthG, and bring the family-reunification file: marriage or birth certificate (often apostilled), sponsor's passport and Meldebescheinigung, accommodation proof, means of subsistence (§ 5 AufenthG) and the insurance certificate (€30,000 + repatriation, valid in all 27 Schengen states for the visa stage). The Care Economy or Care Expatriate PDF is emailed within 10 minutes after payment and can be uploaded to VIDEX or handed in at the biometric appointment — reissue with new dates if the embassy slot shifts.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } } ] --- 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/) 1 Step 1/3: Check plan (you are here) › 2 Step 2/3: Get PDF proof › 3 Step 3/3: Submit to authority [Compare Plans & Proof →](#tarife) [Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [FAQ Germany](/en/guide-health-insurance-germany/faq-germany/) 4. Family Reunification & Insurance (Germany) 📑 On this page (8) - [→ Four reasons applications get refused](#problems) - [→ What an uninsured day really costs](#costs) - [→ From booking to embassy-ready PDF](#steps) - [→ Recommended family-reunification tariffs](#tarife) - [→ Spouse vs child vs parent reunification](#scenarios) - [→ Care Economy — prices by age band](#prices-economy) - [→ Care Expatriate — prices by age & tier](#prices-expatriate) - [→ Frequently asked questions](#faq) Refusals on the insurance proof are the #1 avoidable reason family-reunification visas slip — fix it in 10 minutes. # Family reunification: which health insurance is commonly required in Germany? 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) · §§ 27–36 AufenthG verified Reviewed by **Steffan Grund**, insurance specialist for foreigners in Germany · last updated 25 August 2026 Sources: §§ 27–36 AufenthG · § 5 AufenthG · § 10 SGB V · EU Regulation 810/2009 Art. 15 · German Federal Foreign Office · BAMF · HanseMerkur AVB · Care Concept AG “Care Expatriate confirmation in the morning, KVR Munich appointment in the afternoon — worked.” — P. S. (Munich), freelancer visa Quotes from internal customer feedback, anonymised and shortened. **Plan:** pick the recognised tariff → pay online → PDF in 10 min → upload to VIDEX or hand in at the consulate. › **Common with family-reunification applicants from** — show country list Pakistan (Islamabad, Karachi, Lahore), India (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai), Bangladesh, Sri Lanka, Nepal, Türkiye, Iran, Iraq, Syria, Lebanon, Egypt, Morocco, Tunisia, Algeria, Nigeria, Ghana, Kenya, Ethiopia, the Philippines, Indonesia, Vietnam, Thailand, China, Brazil, Colombia, Mexico, Ukraine, Russia, Kosovo, Serbia, Bosnia, North Macedonia and Albania. Used since 2009 by applicants worldwide — typically accepted nationwide in Germany by the Ausländerbehörden (incl. LEA Berlin, KVR Munich, Hamburg, Frankfurt, Cologne, Stuttgart, Düsseldorf) and the German embassy network under § 5 AufenthG. Accepted: Ausländerbehörde (typically) Typically recognised in Germany Embassy practice GDPR/EU Typically accepted at the Ausländerbehörde appointment (§ 5 AufenthG, case-by-case) Bilingual policy DE/EN — for HR, hospital and authorities Cover starts immediately — no waiting period, no medical questionnaire (within policy terms) Pay by credit card from abroad — no German bank account, no SCHUFA needed [ Tariff premium Care Expatriate from €58/mo ⟷ Residence permit delay Consulate decision: 4–12 weeks ⟷ uninsured ICU day in Germany German hospital: €830/night (Indicative DKG hospital day-rate 2024 — varies by Bundesland and hospital) ](#tarife) No commitment · monthly cancellation · confirmation by email (typically immediate). **Short answer: for a family-reunification visa to Germany (Familiennachzug, §§ 27–36 AufenthG) the embassy and the Ausländerbehörde commonly require recognised health insurance with at least €30,000 of medical cover plus medically necessary repatriation, valid from day one of the requested stay.** Refusal on the insurance point is one of the most common reasons family visas get delayed — usually because the cover is below €30,000, the repatriation clause is missing, the dates do not cover the full period, or a Schengen-only travel policy is submitted for a national D-visa stay. Editorial overview based on §§ 27–36 AufenthG, § 5 AufenthG, EU Regulation 810/2009 Art. 15 and the HanseMerkur AVB published by Care Concept AG — not legal or insurance advice. Final acceptance depends on the responsible German consulate and Ausländerbehörde (case-by-case review). One uninsured emergency in Germany can run €5,000–€20,000 before a single signature — every week without a recognised certificate is a week the family-reunification appointment cannot move forward. For the family reunion visa Germany application (spouse visa Germany, German spouse visa, partner visum Deutschland, child or parent visa) and the first months in Germany, [Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) (up to age 64) is among the recognised short-term Incoming tariffs commonly accepted for these files — a German health insurance for foreigners that aims at the German embassy insurance certificate checklist (national D-visa Germany insurance, Schengen travel insurance Germany family, § 27 AufenthG insurance proof). It is the same recognised cover most applicants attach to the German embassy visa form for family reunion visa applications, whether they are filing the standard family reunification Germany requirements package, the spouse visa to Germany route, the germany marriage visa requirements file, or Germany immigration requirements for minor children (§ 32 AufenthG). Reunification in German law (Familiennachzug / Familienzusammenführung) is regulated by the Ausländerbehörde under §§ 27–36 AufenthG, and the same insurance baseline applies whether you submit at a consulate abroad or extend the residence permit once already in Germany. After the residence permit is issued and the stay extends beyond two years, [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (ages 0–74, up to 5 years) is the long-term Incoming tariff — including parent visa Germany insurance over 60 and Elternnachzug health insurance requirements where ages 41–60 start from €68/month and ages 61–74 from €246/month (source: TARIF\_META Care Expatriate, HanseMerkur AVB), subject to the insurer's terms of acceptance. In short: families joining a sponsor in Germany on a family reunion visa — spouse, registered partner, minor child or elderly parent over 60 — commonly need a recognised German health insurance certificate (€30,000 + repatriation) before the embassy appointment. Care Economy covers the visa stage, Care Expatriate the years that follow. Below: the seven most asked questions from spouses, children and elderly parents, the four mistakes that get the insurance point rejected at the consulate, exact age-band prices, and how to obtain the embassy-ready PDF in under 10 minutes. Visa stage from €30 / 30 days · Post-arrival from €58 / month · Parents 61–74 from €246 / month · PDF certificate in 10 minutes — valid in all 27 Schengen states. 🛂 Visa stage (up to age 64) Care Economy · €30 / 30 d Spouse visa, child visa, short reunification stays up to 2 years. 🛡️ Post-arrival (0–74) Care Expatriate · from €58 / mo German residence permit family member insurance, up to 5 years. 👴 Parent reunification Care Expatriate · 41–60 €68, 61–74 €246 Elternnachzug under § 36 AufenthG — no medical exam at booking. Trusted Providers Care Concept · HanseMerkur · DAK where applicable Visa Proof Proof of insurance for embassy or consulate documents Fast Online Process Receive the available confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 7, 2026** Sources§§ 27–36 AufenthG · § 5 AufenthG · § 10 SGB V · EU Regulation 810/2009 Art. 15 · German Federal Foreign Office · BAMF · HanseMerkur Versicherungsgruppe Hamburg · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Family reunification visa to Germany? Pick the recognised tariff for the visa stage. [Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) Key facts at a glance Reviewed September 7, 2026 - **Minimum cover (every embassy):** €30,000 medical + medically necessary repatriation, valid in all 27 Schengen states. (Source: EU Regulation 810/2009 Art. 15(1)). - **Visa stage (spouse / child / parent):** Care Economy from €30 / 30 days for ages up to 64, scaling with age — accepted by the consulate. (Source: TARIF\_META (HanseMerkur)). - **Parent reunification (Elternnachzug):** Care Expatriate covers ages 0–74. Ages 41–60 from €68/month, ages 61–74 from €246/month — no medical exam at booking. (Source: HanseMerkur AVB / Care Concept AG). - **Switch after the residence permit:** Families typically move from Care Economy to Care Expatriate when the permit is issued for longer than 2 years; PDF reissued instantly. (Source: § 5 AufenthG (sufficient subsistence)). - **Processing time at the consulate:** Family-reunification visa decisions typically take 4–12 weeks; insurance can be reissued for a new start date if the appointment shifts. (Source: Auswärtiges Amt — visa service). ## Four reasons family-reunification applications get refused on the insurance point **Quick answer:** Most refusals on the insurance point fall into four buckets: cover below €30,000, missing repatriation clause, dates not covering the full requested period, or a Schengen-only tariff submitted for a national D-visa stay. Care Economy and Care Expatriate remove all four by default. ## Avoid the mistakes that can delay your application ### Schengen proof missing? For short Schengen stays, choose insurance that meets the €30,000 minimum-coverage requirement. ### Short stay or longer stay? Care Visa Protect fits many 1–92 day Schengen visits; Care Economy may fit longer or more flexible stays. ### Wrong insurance can cost time Before your embassy appointment, check that the proof matches your visa type, dates and destination. ### Multiple entries planned? If you travel more than once, check the multiple-entry option and the annual day limit before applying. Inside: the four insurance mistakes that delay a family-reunification visa · spouse vs child vs parent visa — what the embassy actually checks · when to switch from Care Economy to Care Expatriate after arrival ## What an uninsured day in Germany really costs a spouse or elderly parent ## 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. ## Embassy slots for family reunification fill weeks ahead — secure the 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 embassy-ready PDF — in 3 steps 10 minutes online. PDF certificate by email immediately after payment. Upload to VIDEX or hand it in at the consulate appointment together with the family-reunification application. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What families say about Care Economy at the family-reunification visa stage in Germany 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended family-reunification tariffs — visa stage and post-arrival 📘 Visa stage · 1 day–2 yrs ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 🛡️ Post-arrival · up to 5 yrs ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof Planning a short pre-reunification visit (≤92 days) on a Schengen visa first? [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) (minimum €8.50 per trip, up to €50,000) is the cheapest recognised Schengen-only option. Want the full breakdown? See the long-form [family & parent reunification health insurance guide](/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/), the [5-point Schengen-visa insurance requirements](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/), or the step-by-step [Schengen-visa application guide](/en/schengen-visa-health-insurance-application-germany/). ## Spouse vs child vs parent reunification — what changes for the insurance proof? **Quick answer:** The German visa requirements for family are the same on the insurance point — €30,000 medical cover plus repatriation — but the recommended tariff differs by age band and by how long the family member will stay. Below: the three most common family reunion visa Germany scenarios for English speakers in Berlin, Munich, Hamburg and at consulates worldwide. German spouse visa health insurance § 28 / § 30 AufenthG · spouse visa Deutschland Krankenversicherung Care Economy from **€30 / 30 days** at the embassy stage; switch to Care Expatriate or join GKV under § 10 SGB V once resident. Child reunification § 32 AufenthG · under 18 joining a parent Care Economy from **€30 / 30 days** (up to age 64). Family insurance under § 10 SGB V usually applies for free after enrolment in a German statutory fund. Parent reunification (Elternnachzug) § 36 AufenthG · parent visa Germany insurance over 60 Care Expatriate covers ages 0–74: **41–60 from €68/mo**, **61–74 from €246/mo**. No medical exam at booking; pre-existing conditions excluded per HanseMerkur AVB. ## Family reunification visa Germany — insurance at a glance **Quick answer:** One quick-reference table covering the three Familiennachzug routes — German spouse visa, child reunification and parent reunification — with the matching AufenthG paragraph, the recognised tariff at the embassy stage, the lowest age-band price and the typical switch path after the residence permit is issued. Family member AufenthG paragraph Recommended tariff Lowest age-band price Switch after residence permit Spouse / registered partner § 28 / § 30 AufenthG Care Economy (visa stage) **€30 / 30 days** (up to age 64) GKV via § 10 SGB V or Care Expatriate Minor child § 32 AufenthG Care Economy (visa stage) **€30 / 30 days** (up to age 64) Family insurance § 10 SGB V (free) Parent (Elternnachzug) § 36 AufenthG Care Expatriate (long-term) **€68 / mo** (41–60) · **€246 / mo** (61–74) Renew Care Expatriate up to 5 years Prices verified against TARIF\_META / HanseMerkur AVB. Final acceptance depends on the responsible Ausländerbehörde. ## Care Economy — all prices by age band & duration **Quick answer:** Care Economy starts from €30 per 30 days for ages up to 64 and scales with age up to ages 65 and over. Term 1 day to 2 years, designed for family-reunification visa stays beyond the 92-day Schengen limit and accepted by the Ausländerbehörde under § 5 AufenthG. Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 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. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ## Care Expatriate — all prices by age band & tier **Quick answer:** Care Expatriate covers ages 0–74 with up to 5 years of cover. Premium starts at €58/month (ages 13–40), €68/month for ages 41–60 and €246/month for ages 61–74 — the long-stay tariff after the family-reunification residence permit is issued. Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort 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 Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ## Frequently asked questions — family-reunification health insurance in Germany ## Frequently Asked Questions Which health insurance is commonly required for a family-reunification visa to Germany? German consulates apply the same baseline as every Schengen application — at least €30,000 of medical cover plus medically necessary repatriation — for the family-reunification visa under §§ 27–36 AufenthG. For ages up to 64 Care Economy from €30 / 30 days is the standard recognised short-term tariff; for the post-arrival residence permit, Care Expatriate (ages 0–74, up to 5 years) is the long-term Incoming tariff the Ausländerbehörde accepts under § 5 AufenthG. Does the Ausländerbehörde accept Care Economy or do I need a long-term contract? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Care Economy is commonly accepted at the visa application stage and for the first months of the residence permit because it covers up to 2 years, includes repatriation and meets the €30,000 EU minimum. Once the residence permit is issued for longer than two years, families typically switch to Care Expatriate so the Ausländerbehörde can re-stamp the permit without delay. Final acceptance always depends on the responsible Ausländerbehörde. My elderly parent is 65. Which tariff actually works for parent reunification (Elternnachzug)? Care Expatriate covers ages 0–74. Premiums for parents aged 41–60 start from €68/month and for parents aged 61–74 from €246/month. No medical examination is required at booking, although pre-existing conditions and pregnancy are excluded by the insurer's terms (HanseMerkur AVB). What exactly must appear on the insurance certificate for the embassy? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): The PDF certificate is typically expected to show — exact wording depends on the responsible consulate — the insured person's name and date of birth, validity dates covering the full requested stay, minimum medical cover of €30,000, an explicit repatriation clause and validity in all 27 Schengen states for the visa stage. Care Economy and Care Visa Protect issue this PDF immediately after payment — ready to upload to VIDEX or hand in at the consulate. We want to visit Germany first (≤92 days) before the reunification visa — what then? For a short pre-reunification visit on a Schengen visa, Care Visa Protect from €0.85/day (minimum €8.50 per trip, up to €50,000) is the cheapest recognised Schengen-only option. It does not replace the long-stay tariff for the actual family-reunification visa — switch to Care Economy or Care Expatriate before the D-visa appointment. Can a spouse join my German statutory insurance (GKV) for free instead? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Only once you are legally resident and family insurance under § 10 SGB V applies — typically after the residence permit is issued and the principal insured is in a GKV. At the visa stage and during the gap until enrolment, you still need recognised private Incoming cover (Care Economy or Care Expatriate) for the embassy and the Ausländerbehörde. How long does it take to get the certificate to take to the German embassy appointment? About 10 minutes online. After payment the PDF certificate is emailed immediately. Upload it to VIDEX or print it for the consulate appointment together with the family-reunification application; if the embassy asks for an extended period, just reissue the PDF with the new dates — no medical exam, no waiting period. How long does a family-reunification visa to Germany take, and how should I time the insurance? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Processing of the family reunion visa Germany application at the consulate typically takes 4 to 12 weeks, sometimes longer for parent reunification (Elternnachzug, § 36 AufenthG) and for posts with high demand. Plan to have recognised cover ready from the date you want to enter Germany — Care Economy and Care Expatriate let you set the start date freely and reissue the PDF if the embassy appointment shifts, so you do not pay for unused weeks. Can I work in Germany on a family-reunification visa, and does that change the insurance I need? Spouses joining under §§ 27–30 AufenthG generally receive unrestricted work permission with the residence permit. As soon as employment begins and the salary is below the JVEG threshold (€77,400 per year in 2026), GKV (statutory insurance) becomes mandatory — at that point Care Economy / Care Expatriate is replaced by a German statutory fund and family members are typically co-insured for free under § 10 SGB V. Until the work contract starts, the Incoming tariff remains the recognised proof for the Ausländerbehörde. What is a family reunion visa to Germany, and what insurance does it commonly require? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): A family reunion visa to Germany (Familienzusammenführung / Familiennachzug) is the national D-visa under §§ 27–36 AufenthG that lets a spouse, registered partner, minor child or — in narrow hardship cases — a parent join a sponsor lawfully resident in Germany. On the insurance point the embassy and Ausländerbehörde commonly require recognised cover with at least €30,000 of medical expenses plus medically necessary repatriation, valid from day one of the requested stay. Care Economy (visa stage, ages up to 64 from €30 / 30 days) and Care Expatriate (post-arrival, ages 0–74) are the two Incoming tariffs that meet this baseline — final acceptance depends on the responsible consulate. How do I apply for a family reunion visa in Germany, and when do I attach the insurance certificate? 50/month (Care College) or €101. From €27. 54/month (Care Student under § 5 SGB V): Book an appointment at the German consulate responsible for your residence, fill in the VIDEX application for the national D-visa under § 27 AufenthG, and bring the family-reunification file: marriage or birth certificate (often apostilled), sponsor's passport and Meldebescheinigung, accommodation proof, means of subsistence (§ 5 AufenthG) and the insurance certificate (€30,000 + repatriation, valid in all 27 Schengen states for the visa stage). The Care Economy or Care Expatriate PDF is emailed within 10 minutes after payment and can be uploaded to VIDEX or handed in at the biometric appointment — reissue with new dates if the embassy slot shifts. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Embassy appointment booked? Pick the recognised family-reunification tariff that meets every checklist point. [Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing ## Related guides for English speakers applying to Germany - [Family & parent reunification health insurance guide (long-form)](/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/) - [5-point Schengen-visa insurance requirements (€30,000 minimum)](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/) - [Schengen-visa health insurance application — step by step](/en/schengen-visa-health-insurance-application-germany/) - [Care Economy overview — visa-stage tariff (1 day to 2 years)](/en/insurance-plans/care-economy/overview/) - [Care Expatriate overview — long-term Incoming tariff (ages 0–74)](/en/insurance-plans/care-expatriate/overview/) - [Care Visa Protect — Schengen-only short-stay cover from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) - [30-second tariff finder — pick the right plan in one minute](/en/tariffinder-germany/) - [Hub: complete guide to German health insurance for foreigners](/en/guide-health-insurance-germany/) ## Sources & references All legal references are linked to the official German federal text archives (gesetze-im-internet.de), the EU legal portal (eur-lex.europa.eu), the German Federal Foreign Office (Auswärtiges Amt) and the Federal Office for Migration and Refugees (BAMF). Pricing is verified against the HanseMerkur AVB published by Care Concept AG. - [EU Regulation 810/2009 (Visa Code), Art. 15 — minimum medical cover €30,000 + repatriation](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32009R0810) - [AufenthG — §§ 27, 28, 30, 32, 36 (Familiennachzug, Elternnachzug)](https://www.gesetze-im-internet.de/aufenthg_2004/) - [§ 5 AufenthG — general conditions / sufficient subsistence including health insurance](https://www.gesetze-im-internet.de/aufenthg_2004/__5.html) - [§ 10 SGB V — family insurance (free co-insurance of spouse / child in GKV)](https://www.gesetze-im-internet.de/sgb_5/__10.html) - [Auswärtiges Amt — family reunification visa to Germany (official guidance)](https://www.auswaertiges-amt.de/en/visa-service/-/231148) - [BAMF — Familiennachzug (Federal Office for Migration and Refugees)](https://www.bamf.de/EN/Themen/MigrationAufenthalt/ZuwandererDrittstaaten/Familie/familie-node.html) - HanseMerkur Versicherungsgruppe Hamburg — Care Concept AG AVB (insurer terms for Care Economy, Care Expatriate, Care Visa Protect) Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. [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: September 7, 2026.