--- title: "Health insurance Germany — for US citizens (€58/month+)" description: "Health insurance Germany for American citizens — visa-free 90 days, residence permit, study, work. Recognised cover from €0.85/day (Schengen) or €58/month (long stay)." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health insurance in Germany for American citizens", "description": "Health insurance Germany for American citizens — visa-free 90 days, residence permit, study, work. 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}, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Bundesagentur für Arbeit", "url": "https://en.wikipedia.org/wiki/Federal_Employment_Agency" }, { "@type": "Thing", "name": "Ausländerbehörde", "url": "https://en.wikipedia.org/wiki/Foreigners%27_authority" } ], "wordCount": 900, "timeRequired": "PT6M", "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Health insurance guide", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": 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"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": "DefinedTermSet", "name": "Glossary — German visa & health insurance for American citizens", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Schengen visa (C-visa)", "description": "Short-stay visa allowing American citizens up to 90 days in any 180-day period in any of the 26 Schengen states. Requires travel medical insurance with €30,000 minimum cover under EU Regulation 810/2009.", "inDefinedTermSet": "Glossary — German visa & health insurance for American citizens" }, { "@type": "DefinedTerm", "name": "National D-visa", "description": "Long-stay German visa (over 90 days) for study, work, family reunification, or Chancenkarte. Requires recognised health insurance valid for the entire planned stay under § 5 AufenthG.", "inDefinedTermSet": "Glossary — German visa & health insurance for American citizens" }, { "@type": "DefinedTerm", "name": "Ausländerbehörde", "description": "German Foreigners' Authority responsible for issuing and extending residence permits. Verifies continuous health insurance cover at every appointment.", "inDefinedTermSet": "Glossary — German visa & health insurance for American citizens" }, { "@type": "DefinedTerm", "name": "GKV (gesetzliche Krankenversicherung)", "description": "German statutory health insurance system, funded by income-based contributions (~14.6% + supplementary rate). Mandatory for employees under the Jahresarbeitsentgeltgrenze (€73,800 in 2026, indicative).", "inDefinedTermSet": "Glossary — German visa & health insurance for American citizens" }, { "@type": "DefinedTerm", "name": "PKV (private Krankenversicherung)", "description": "Private German health insurance. Premiums are age- and risk-rated. Open to freelancers, civil servants, and employees earning above the GKV threshold. Incoming policies like Care Expatriate are PKV-style products designed for foreign residents during the bridging period.", "inDefinedTermSet": "Glossary — German visa & health insurance for American citizens" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to get accepted German visa insurance from the United States", "description": "5-step process for American citizens to obtain a German Auslandsvertretung-recognised health insurance certificate.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the correct tariff", "text": "For a Schengen trip from the United States choose Care Visa Protect (from €0.85/day). For study, work, family reunification or Chancenkarte choose Care Expatriate (from €58/month) or Care College (from €27.50/month)." }, { "@type": "HowToStep", "position": 2, "name": "Enter your data online", "text": "Name as in passport, date of birth, planned entry date and duration. No PAN, Aadhaar, CPF, SSN or local ID needed." }, { "@type": "HowToStep", "position": 3, "name": "Pay by card or SEPA", "text": "Visa/Mastercard accepted from every country. The system issues an EUR invoice." }, { "@type": "HowToStep", "position": 4, "name": "Download the PDF certificate", "text": "Care Concept emails the recognised confirmation within 5–15 minutes of payment. Print in colour on white A4." }, { "@type": "HowToStep", "position": 5, "name": "Submit at your visa appointment", "text": "Bring the printout to the German mission or VFS/iDATA/BLS appointment in the United States. The certificate is accepted by every German Auslandsvertretung — embassy practice can still vary case-by-case." } ], "totalTime": "PT15M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Health insurance guide", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "FAQ Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/" }, { "@type": "ListItem", "position": 4, "name": "For American citizens", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Do US citizens need a visa for Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — for tourist or business stays up to 90 days within any 180-day period. For longer stays (work, study, family, retirement) you need a national D-visa or, after entry, a residence permit (Aufenthaltstitel) issued by the local Ausländerbehörde under § 5 AufenthG." } }, { "@type": "Question", "name": "Do I need travel insurance for the 90-day visa-free stay?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — German immigration officers can require proof of travel medical insurance with €30,000 cover and repatriation. Care Visa Protect (from €0.85/day, minimum €7.50) meets every requirement. US travel insurance (Allianz Travel, World Nomads, Travelex) is usually accepted if it shows €30,000 minimum and Schengen-wide validity." } }, { "@type": "Question", "name": "What is the cheapest legitimate insurance for a US expat in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate Basic (€58/month, ages 13–40) is the cheapest internationally-recognised private cover. Ages 41–60: from €68/month; ages 61–74: from €246/month (Basic, example figures). Once employed in Germany earning under €69,300/year (2025 JVEG), GKV (TK, AOK, Barmer, DAK) is mandatory — typically 14–15% of salary, split 50/50 with employer." } }, { "@type": "Question", "name": "Can I keep my American health insurance while living in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Most US plans also stop paying after 6 months abroad. Technically yes — but the German Ausländerbehörde will not accept US plans (UnitedHealthcare, Aetna, Cigna, BCBS) as proof for your residence permit, because they lack a German postal address and statutory-equivalent benefits documentation. Switch to Care Expatriate or German GKV." } }, { "@type": "Question", "name": "What about EU Blue Card holders — GKV or private?", "acceptedAnswer": { "@type": "Answer", "text": "EU Blue Card holders (§ 18b AufenthG) earning over €58,400/year (2025) may opt for private health insurance like Care Expatriate or HanseMerkur, often saving €200–€400/month vs GKV. Once you choose private, switching back to GKV is generally not possible after age 55." } }, { "@type": "Question", "name": "How does Care Expatriate compare to international US health plans (GeoBlue, IMG, Cigna Global)?", "acceptedAnswer": { "@type": "Answer", "text": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Care Expatriate is purpose-built for Germany: recognised by every Ausländerbehörde (which GeoBlue and Cigna Global often are not for residence-permit purposes), no deductible (most US international plans have $250–$2,500 deductibles), German-speaking 24/7 hotline, and direct settlement with German hospitals." } }, { "@type": "Question", "name": "Is Care Expatriate accepted for the German Freelance Visa (Freiberufler, § 21 AufenthG)?", "acceptedAnswer": { "@type": "Answer", "text": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Yes — the Berlin Ausländerbehörde and freelance-visa offices in Munich, Hamburg, Cologne and Frankfurt all accept Care Expatriate (Comfort or Premium variant). For artists, writers, software developers and consultants, it's the standard recommended option." } }, { "@type": "Question", "name": "What happens at Anmeldung if my insurance isn't recognised?", "acceptedAnswer": { "@type": "Answer", "text": "Switch BEFORE the residence-permit appointment to avoid 4–8 weeks of delay. The Bürgeramt registers your address regardless — but your residence permit application at the Ausländerbehörde will be paused until you provide recognised insurance." } }, { "@type": "Question", "name": "Are pre-existing conditions covered for Americans?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate excludes pre-existing conditions for the first 6 months unless medically underwritten and approved. Disclose all conditions honestly when applying — undisclosed conditions void cover. For students under the DAK Studenten / TK statutory system, pre-existing conditions are fully covered immediately." } }, { "@type": "Question", "name": "How does the Affordable Care Act (Obamacare) interact with German residence?", "acceptedAnswer": { "@type": "Answer", "text": "Once you are a German tax resident (>183 days) you generally lose ACA marketplace eligibility. File Form 2555 Foreign Earned Income Exclusion with the IRS to avoid the individual mandate. German insurance (Care Expatriate or GKV) satisfies the ACA 'minimum essential coverage' requirement." } }, { "@type": "Question", "name": "Can my American spouse and children get the same German insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Once one spouse is employed in Germany and on GKV, the non-working spouse and children under 23 are usually free under GKV family insurance (§ 10 SGB V). Yes — Care Expatriate insures each family member individually with the same household contract." } }, { "@type": "Question", "name": "I'm retiring to Germany on a US Social Security pension — what insurance do I need?", "acceptedAnswer": { "@type": "Answer", "text": "US retirees in Germany (often on § 7 AufenthG residence permit) typically need either Care Expatriate (private, from €246/month in the 61–74 band, Basic example, up to €432/month Premium) or — if you arrived before age 55 with German residence — voluntary GKV. The US-Germany totalisation agreement covers pension rights only, not healthcare." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do US citizens need a visa for Germany?", "text": "Do US citizens need a visa for 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": "No — for tourist or business stays up to 90 days within any 180-day period. For longer stays (work, study, family, retirement) you need a national D-visa or, after entry, a residence permit (Aufenthaltstitel) issued by the local Ausländerbehörde under § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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": "Do I need travel insurance for the 90-day visa-free stay?", "text": "Do I need travel insurance for the 90-day visa-free stay?", "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": "Yes — German immigration officers can require proof of travel medical insurance with €30,000 cover and repatriation. Care Visa Protect (from €0.85/day, minimum €7.50) meets every requirement. US travel insurance (Allianz Travel, World Nomads, Travelex) is usually accepted if it shows €30,000 minimum and Schengen-wide validity.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 the cheapest legitimate insurance for a US expat in Germany?", "text": "What is the cheapest legitimate insurance for a US expat in 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": "Care Expatriate Basic (€58/month, ages 13–40) is the cheapest internationally-recognised private cover. Ages 41–60: from €68/month; ages 61–74: from €246/month (Basic, example figures). Once employed in Germany earning under €69,300/year (2025 JVEG), GKV (TK, AOK, Barmer, DAK) is mandatory — typically 14–15% of salary, split 50/50 with employer.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 keep my American health insurance while living in Germany?", "text": "Can I keep my American health insurance while living in 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": "Most US plans also stop paying after 6 months abroad. Technically yes — but the German Ausländerbehörde will not accept US plans (UnitedHealthcare, Aetna, Cigna, BCBS) as proof for your residence permit, because they lack a German postal address and statutory-equivalent benefits documentation. Switch to Care Expatriate or German GKV.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 about EU Blue Card holders — GKV or private?", "text": "What about EU Blue Card holders — GKV or private?", "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": "EU Blue Card holders (§ 18b AufenthG) earning over €58,400/year (2025) may opt for private health insurance like Care Expatriate or HanseMerkur, often saving €200–€400/month vs GKV. Once you choose private, switching back to GKV is generally not possible after age 55.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 does Care Expatriate compare to international US health plans (GeoBlue, IMG, Cigna Global)?", "text": "How does Care Expatriate compare to international US health plans (GeoBlue, IMG, Cigna Global)?", "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": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Care Expatriate is purpose-built for Germany: recognised by every Ausländerbehörde (which GeoBlue and Cigna Global often are not for residence-permit purposes), no deductible (most US international plans have $250–$2,500 deductibles), German-speaking 24/7 hotline, and direct settlement with German hospitals.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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": "Is Care Expatriate accepted for the German Freelance Visa (Freiberufler, § 21 AufenthG)?", "text": "Is Care Expatriate accepted for the German Freelance Visa (Freiberufler, § 21 AufenthG)?", "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": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Yes — the Berlin Ausländerbehörde and freelance-visa offices in Munich, Hamburg, Cologne and Frankfurt all accept Care Expatriate (Comfort or Premium variant). For artists, writers, software developers and consultants, it's the standard recommended option.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 happens at Anmeldung if my insurance isn't recognised?", "text": "What happens at Anmeldung if my insurance isn't recognised?", "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": "Switch BEFORE the residence-permit appointment to avoid 4–8 weeks of delay. The Bürgeramt registers your address regardless — but your residence permit application at the Ausländerbehörde will be paused until you provide recognised insurance.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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": "Are pre-existing conditions covered for Americans?", "text": "Are pre-existing conditions covered for Americans?", "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 excludes pre-existing conditions for the first 6 months unless medically underwritten and approved. Disclose all conditions honestly when applying — undisclosed conditions void cover. For students under the DAK Studenten / TK statutory system, pre-existing conditions are fully covered immediately.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 does the Affordable Care Act (Obamacare) interact with German residence?", "text": "How does the Affordable Care Act (Obamacare) interact with German residence?", "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": "Once you are a German tax resident (>183 days) you generally lose ACA marketplace eligibility. File Form 2555 Foreign Earned Income Exclusion with the IRS to avoid the individual mandate. German insurance (Care Expatriate or GKV) satisfies the ACA 'minimum essential coverage' requirement.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 my American spouse and children get the same German insurance?", "text": "Can my American spouse and children get the same German 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": "Once one spouse is employed in Germany and on GKV, the non-working spouse and children under 23 are usually free under GKV family insurance (§ 10 SGB V). Yes — Care Expatriate insures each family member individually with the same household contract.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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": "I'm retiring to Germany on a US Social Security pension — what insurance do I need?", "text": "I'm retiring to Germany on a US Social Security pension — what insurance do 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": "US retirees in Germany (often on § 7 AufenthG residence permit) typically need either Care Expatriate (private, from €246/month in the 61–74 band, Basic example, up to €432/month Premium) or — if you arrived before age 55 with German residence — voluntary GKV. The US-Germany totalisation agreement covers pension rights only, not healthcare.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/faq-germany/for-american-citizens/", "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 Expatriate ab nur 58,00 € / Monat (13–40 J.) (bis 5 Jahre) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Health insurance guide](/en/guide-health-insurance-germany/) 3. [FAQ Germany](/en/guide-health-insurance-germany/faq-germany/) 4. For American citizens German embassies in the United States: insurance proof is the #1 rejection reason — wrong wording delays the visa, not the price. ![Health insurance for American citizens entering Germany](/assets/visa-health-insurance-germany-hero-DFqxsyUe.webp) # Health insurance in Germany for American citizens 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) **Quick answer:** US citizens can enter Germany visa-free for up to 90 days but still need travel medical insurance with €30,000 cover and repatriation — US providers like UnitedHealthcare, Aetna or Cigna usually exclude Schengen requirements. For stays over 90 days (residence permit, work, study), Care Expatriate (from €58/month) is recognised by every German Ausländerbehörde and is significantly cheaper than maintaining a US plan abroad. Key facts at a glance Reviewed September 7, 2026 - **€30,000 minimum:** Schengen visa medical cover required by EU Visa Code Art. 15. (Source: EU Reg. 810/2009). - **~€830/day:** average German hospital cost without cover — the single biggest risk. (Source: Destatis 2024 (indicative)). - **10,000+ policies:** issued since 2009 for foreigners, students, expats and visitors in Germany. (Source: Care Concept internal data). ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 7, 2026** SourcesBAMF · German Missions Worldwide · § 5 AufenthG · § 193 VVG · EU Reg. 810/2009 · HanseMerkur AVB · Care Concept AG “English email support replied in under an hour.” — T. A. (Hamburg), PhD researcher Quotes from internal customer feedback, anonymised and shortened. › **Popular with travellers from the United States and neighbours** — 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 ⟷ Hospital night uninsured 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). Trusted Providers Care Concept · HanseMerkur · DAK-Gesundheit · BASTI Proof for Your Situation Visa, enrollment, residence, employer or blocked-account documents Online Process Apply online and receive the available confirmation after successful completion 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Get accepted German health insurance — recommended for American citizens [Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Plan Finder (30 s)](/en/tariffinder-germany/) [📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing ## 📌 TL;DR — at a glance - **American citizens travelling to Germany need:** either Care Visa Protect (Schengen, up to 92 days, €30,000+ cover) OR Care Expatriate (national D-visa, study, work, Chancenkarte, family — from €58/month). - **Embassy acceptance:** the Care Concept PDF certificate is accepted by every German Auslandsvertretung — embassy practice can still vary case-by-case. - **Visa rejection refund:** full premium refund on confirmed embassy rejection before policy start date (check AVB — indicative). - **After arrival:** GKV starts day 1 of employment; visa-stage cover can be cancelled pro-rata once GKV proof is issued. Around 120,000 Americans live in Germany and millions visit each year. As a US passport holder you do NOT need a Schengen visa for visits up to 90 days — but you DO need health insurance from day one if you plan to register a German address (Anmeldung) and apply for a residence permit (Aufenthaltstitel, § 5 AufenthG). Once registered, German law requires continuous health insurance with no gaps. Why most US health plans don't work: UnitedHealthcare, Aetna, Blue Cross Blue Shield and Cigna typically exclude long-term cover outside the United States, charge enormous out-of-network rates in Germany, and do not meet the German Ausländerbehörde's documentation requirements (German postal address of insurer, statutory-equivalent benefits). Care Expatriate (HanseMerkur/Advigon) is purpose-built for US expats: recognised by every German authority, no deductible, worldwide cover including the USA up to 6 weeks per year. ## 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. ## 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. 🛂 1 wrong certificate Visa appointment at risk Wrong dates, missing coverage details, unclear validity area or missing repatriation wording can delay your documents exactly when time matters. - 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. ## What German embassies typically check for American applicants - Average German hospital cost for a single emergency surgery: €8,000–€15,000 — without recognised insurance, you pay out-of-pocket. - Anmeldung must happen within 14 days of moving in (BMG § 17); insurance proof is checked at the Bürgeramt and when applying for the residence permit at the Ausländerbehörde. - US Medicare and Medicaid do NOT cover any medical costs in Germany. - Visa-free 90 days starts the day you enter the Schengen Area — overstaying triggers automatic re-entry bans of up to 3 years. - EU Blue Card holders (§ 18b AufenthG) earning over €58,400/year (2025) may choose private insurance (Care Expatriate or HanseMerkur) instead of GKV — typically €200–€400/month cheaper. Embassy practice can vary case-by-case (Einzelfallprüfung) — not legal or medical advice. Final acceptance always rests with the responsible authority. ## Why act before the visa appointment Visa appointments can be hard to reschedule. Missing or unsuitable insurance proof can create avoidable delay exactly when time matters. 📅 Appointment pressure If your documents are incomplete, you may need extra time to prepare corrected proof. 📄 Certificate must fit Check coverage amount, validity dates, destination area and repatriation wording before the appointment. ⚡ PDF proof after application Several online tariffs provide a PDF certificate after successful application. 🛡️ Avoid last-minute panic Choose the right insurance before submitting your visa file, not after a document problem appears. ## 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. 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/) ## Recommended plans for American citizens ### 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 ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof ### Care Expatriate — all prices by age & duration 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/) ### Short trip to Germany first? See Care Visa Protect (Schengen, up to 92 days) Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) Prices indicative, as of 2026. Individual underwriting applies; declare all conditions honestly. ## What American citizens say about German visa & long-stay cover 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 Indicative: around €1,000 in lost gross weekly wages at the German median per week of residence-permit delay (source: Destatis median earnings 2024) — Care Expatriate premium for the same week: about €14. ## More questions American citizens ask about German health insurance Is German healthcare free for American citizens? No. Statutory health insurance (GKV) is funded by income-based contributions (~14.6% + supplementary rate), and private insurance (PKV) by age-rated premiums. Visitors and visa holders must arrive with their own cover — there is no public safety net for uninsured foreigners (indicative, as of 2026). Krankenkasse in English: "Krankenkasse" is the German term for a statutory health insurance fund (e.g. TK, AOK, Barmer, DAK-Gesundheit). Once a American citizen signs a German employment contract above the marginal-earnings threshold, statutory membership is mandatory under § 5 SGB V (Einzelfallprüfung applies). GKV vs PKV for American citizens: employees under the income threshold (Jahresarbeitsentgeltgrenze 2026 ≈ €73,800) must join GKV. Above the threshold, freelancers and high earners may choose PKV. For the visa stage, private incoming cover (Care Visa Protect / Care Expatriate) bridges the period before GKV starts — embassy practice can vary case-by-case. How to apply for German health insurance from the United States: choose a recognised provider (Care Concept policies are issued by HanseMerkur/Advigon in Germany), submit name + date of birth + entry date online, pay by card or SEPA, and receive the PDF certificate by email within minutes — accepted by every German Auslandsvertretung. Not legal advice. What is the €30,000 minimum? EU Visa Code Art. 15 (Regulation 810/2009) requires Schengen visa applicants to hold travel medical insurance with at least €30,000 cover, valid in all Schengen states, including emergency hospital treatment and repatriation. Care Visa Protect covers €50,000 — well above the legal minimum (Source: EU Reg. 810/2009). Do American citizens need health insurance for the Anmeldung (city registration)? Not for the Anmeldung itself, but the Ausländerbehörde requires continuous private or statutory cover for every residence-permit step that follows. Gaps between visa and Anmeldung are the single most common rejection reason — final acceptance always rests with the responsible authority. Switching from visa cover to GKV after Anmeldung: once a American citizen signs an employment contract subject to social-security deductions, statutory health insurance starts on day 1 of employment under § 5 SGB V. The visa-stage incoming policy can usually be cancelled mid-term with proof of GKV membership (check your AVB cancellation clause — typical refund is pro-rata, indicative). What if a American citizen's visa is rejected? Most reputable incoming insurers — including Care Concept — refund the full premium when a confirmed embassy rejection letter is submitted before the policy start date. Always read the cancellation clause in the AVB before purchase. Refund timing typically takes 5–15 working days (indicative; verify with the insurer). Family reunification cover for American citizens: spouses and children joining the resident family member need recognised health insurance from day 1 of entry under § 5 AufenthG. Care Expatriate is commonly used during the bridging period before GKV family insurance starts. The Ausländerbehörde verifies cover at the residence-permit appointment — gaps trigger rejection. ## American citizens — top questions about German health insurance Do US citizens need a visa for Germany? No — for tourist or business stays up to 90 days within any 180-day period. For longer stays (work, study, family, retirement) you need a national D-visa or, after entry, a residence permit (Aufenthaltstitel) issued by the local Ausländerbehörde under § 5 AufenthG. Do I need travel insurance for the 90-day visa-free stay? Yes — German immigration officers can require proof of travel medical insurance with €30,000 cover and repatriation. Care Visa Protect (from €0.85/day, minimum €7.50) meets every requirement. US travel insurance (Allianz Travel, World Nomads, Travelex) is usually accepted if it shows €30,000 minimum and Schengen-wide validity. What is the cheapest legitimate insurance for a US expat in Germany? Care Expatriate Basic (€58/month, ages 13–40) is the cheapest internationally-recognised private cover. Ages 41–60: from €68/month; ages 61–74: from €246/month (Basic, example figures). Once employed in Germany earning under €69,300/year (2025 JVEG), GKV (TK, AOK, Barmer, DAK) is mandatory — typically 14–15% of salary, split 50/50 with employer. Can I keep my American health insurance while living in Germany? Most US plans also stop paying after 6 months abroad. Technically yes — but the German Ausländerbehörde will not accept US plans (UnitedHealthcare, Aetna, Cigna, BCBS) as proof for your residence permit, because they lack a German postal address and statutory-equivalent benefits documentation. Switch to Care Expatriate or German GKV. What about EU Blue Card holders — GKV or private? EU Blue Card holders (§ 18b AufenthG) earning over €58,400/year (2025) may opt for private health insurance like Care Expatriate or HanseMerkur, often saving €200–€400/month vs GKV. Once you choose private, switching back to GKV is generally not possible after age 55. How does Care Expatriate compare to international US health plans (GeoBlue, IMG, Cigna Global)? The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Care Expatriate is purpose-built for Germany: recognised by every Ausländerbehörde (which GeoBlue and Cigna Global often are not for residence-permit purposes), no deductible (most US international plans have $250–$2,500 deductibles), German-speaking 24/7 hotline, and direct settlement with German hospitals. Is Care Expatriate accepted for the German Freelance Visa (Freiberufler, § 21 AufenthG)? The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Yes — the Berlin Ausländerbehörde and freelance-visa offices in Munich, Hamburg, Cologne and Frankfurt all accept Care Expatriate (Comfort or Premium variant). For artists, writers, software developers and consultants, it's the standard recommended option. What happens at Anmeldung if my insurance isn't recognised? Switch BEFORE the residence-permit appointment to avoid 4–8 weeks of delay. The Bürgeramt registers your address regardless — but your residence permit application at the Ausländerbehörde will be paused until you provide recognised insurance. Are pre-existing conditions covered for Americans? Care Expatriate excludes pre-existing conditions for the first 6 months unless medically underwritten and approved. Disclose all conditions honestly when applying — undisclosed conditions void cover. For students under the DAK Studenten / TK statutory system, pre-existing conditions are fully covered immediately. How does the Affordable Care Act (Obamacare) interact with German residence? Once you are a German tax resident (>183 days) you generally lose ACA marketplace eligibility. File Form 2555 Foreign Earned Income Exclusion with the IRS to avoid the individual mandate. German insurance (Care Expatriate or GKV) satisfies the ACA 'minimum essential coverage' requirement. Can my American spouse and children get the same German insurance? Once one spouse is employed in Germany and on GKV, the non-working spouse and children under 23 are usually free under GKV family insurance (§ 10 SGB V). Yes — Care Expatriate insures each family member individually with the same household contract. I'm retiring to Germany on a US Social Security pension — what insurance do I need? US retirees in Germany (often on § 7 AufenthG residence permit) typically need either Care Expatriate (private, from €246/month in the 61–74 band, Basic example, up to €432/month Premium) or — if you arrived before age 55 with German residence — voluntary GKV. The US-Germany totalisation agreement covers pension rights only, not healthcare. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Apply for Care Expatriate — get your insurance confirmation today [Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Visa Protect from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/)[Plan Finder (30 s)](/en/tariffinder-germany/) [📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing ## Related guides - [← Back to all FAQ Germany answers](/en/guide-health-insurance-germany/faq-germany/) - [Care Visa Protect — Schengen cover from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) - [Care Expatriate — long-stay cover from €58/month](/en/insurance-plans/care-expatriate/overview/) - [Complete EN guide to health insurance in Germany](/en/guide-health-insurance-germany/) Sources: § 5 AufenthG · § 193 VVG · EU Reg. 810/2009 (Visa Code) · BAMF · German Missions Worldwide YMYL notice: this page is editorial information for American citizens, not legal or medical advice. Verify current visa and insurance rules with the German mission in the United States and your insurer's AVB before making a decision. 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.