Residence Over 90 Days in Germany: Which Insurance Is Typically Required?

From €58/month: Care Expatriate is the recognised long-stay lane for stays 91 days–5 years, accepted by the Ausländerbehörde under § 5 AufenthG — overview.

No. EU Reg. 810/2009 covers up to 90 days only; a national D-visa needs GKV or recognised private insurance (Care Expatriate from €58/month, 1–60 months).

€30,000 minimum medical cover with no time cap, worldwide repatriation, and validity for the full residence permit period (§ 5 AufenthG, § 2 AufenthV).

Yes — Care Economy bridges the entry weeks (from €30/30 days, 0–49 y), then switch to Care Expatriate for months 4–60 — Care Expatriate.

DAK-Gesundheit ~17.8% gross, split with the employer) is fully accepted for employees, students under 30 and family members under § 10 SGB V. Yes. GKV (e.g.

For stays exceeding 90 days, German authorities typically require comprehensive health insurance — not a standard travel policy. Options include statutory insurance (GKV, e.g., DAK-Gesundheit) for employees and students, or private plans like Care Expatriate (from €58/month, up to 5 years) for freelancers and self-employed expats.

In many cases, yes. Products like Care Economy (from €30/30 days, up to 2 years) are frequently accepted by immigration offices for residence permits. However, standard travel insurance is almost always rejected. Always confirm with your local Ausländerbehörde.

Incoming insurance (e.g., Care Economy) covers temporary stays — affordable but time-limited. Full insurance (GKV/PKV) provides permanent coverage preferred for residence permits. Care Expatriate bridges both worlds: up to 5 years, recognized by authorities.