Seasonal Work and Short-Term Employment: Health Insurance from €0.39/day (2026) in Germany

Care01-Saisonarbeiter starts at €0.39/day (up to 91 days/year) — the volume-based rate drops to €0.48/day for shorter groups. Minimum premium is €5. The employer registers via the Meldetool under § 8 SGB IV before the first working day.

Not if the job stays under 70 working days or 3 months per year (§ 8 SGB IV — kurzzeitige Beschäftigung). Then Care01-Saisonarbeiter from €0.39/day fulfils the § 5 AufenthG proof; DAK-Gesundheit only applies if the threshold is crossed.

The Care01 Versicherungsbestätigung (issued instantly after employer registration) plus the Meldebescheinigung under § 28a SGB IV. The Ausländerbehörde accepts this bundle for the seasonal work visa under § 15a BeschV.

Yes — the optional Unfall + Haftpflicht module raises the daily rate by roughly €0.10–€0.15 but covers workplace and off-duty accidents up to €500,000. It is recommended for agricultural and construction seasonal work.

Care01 ends automatically at day 91. From day 92 the employee must switch to DAK-Gesundheit (17.8% of gross, § 5 SGB V) or bridge with Care Expatriate from €58/month until statutory registration under § 186 SGB V is complete.

Seasonal workers (up to 70 working days/year) who are exempt from social security must arrange their own health insurance. Care 01 Saisonarbeiter starts from just €0.39/day and provides hospital coverage.

They are alternatives: short-term employment is exempt from social security if it lasts no more than 3 calendar months OR 70 working days per year. Once exceeded, full social insurance contributions apply retroactively. Compare Care 01 from €0.39/day for seasonal coverage.