--- title: "From €0.85/day – expat 3-phase checklist for Germany 2026" description: "Expat checklist for Germany in three phases: before entry, after entry and after Anmeldung — Care Visa Protect from €0.85/day, Care Economy from €30/30 days, Care Expatriate from €58/month." 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": 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"Expat checklist for Germany — three phases: before entry, after entry, after Anmeldung", "description": "Expat checklist for Germany in three phases: before entry, after entry and after Anmeldung — Care Visa Protect from €0.85/day, Care Economy from €30/30 days, Care Expatriate from €58/month.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-08-31", "dateModified": "2026-09-05", "mainEntityOfPage": 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"https://en.wikipedia.org/wiki/Foreigners%27_authority" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "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": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Expat Insurance Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/" }, { "@type": "ListItem", "position": 4, "name": "3-Phase Checklist for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Long-term stay covered in 3 steps", "description": "Care Expatriate can cover longer incoming stays up to 5 years, depending on age and selected plan.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your plan", "text": "Care Expatriate for expats, freelancers, self-employed people, employees on assignment without German statutory insurance, or seniors up to entry age 74." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter passport, destination, stay details and requested coverage period online. Additional questions may apply depending on the plan." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive PDF confirmation after successful application and submit it to the embassy, consulate or immigration authority if requested." } ], "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": "What insurance do I need before entering Germany as an expat?", "acceptedAnswer": { "@type": "Answer", "text": "Phase 1 (before entry): Care Visa Protect from €0.85/day (min €7.50) covers the visa application and first 92 days. It meets EU Regulation 810/2009 for Schengen entry and is issued digitally within 5 minutes — mandatory before the embassy appointment." } }, { "@type": "Question", "name": "Which cover applies after arrival but before Anmeldung in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Phase 2 (after entry, before Anmeldung): Care Economy from €30/30 days bridges the 14-day Bürgeramt window (§ 17 BMG). It works without a German address and is accepted by the Ausländerbehörde as interim proof under § 5 AufenthG." } }, { "@type": "Question", "name": "What insurance is needed after Anmeldung as an expat in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Phase 3 (after Anmeldung): switch to Care Expatriate from €58/month (long-term private) or DAK-Gesundheit at 17.8% of gross (once employed). Both carry the § 5 AufenthG-compliant certificate for the residence permit application." } }, { "@type": "Question", "name": "Can one policy cover all three expat phases in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate covers phases 2 and 3 seamlessly (from €58/month, 1–60 months). Phase 1 still needs Care Visa Protect (€0.85/day) because most embassies reject long-term private policies without a valid visa — Care Expatriate activates only after entry." } }, { "@type": "Question", "name": "How long does each expat phase typically take in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Phase 1: 4–12 weeks (visa processing). Phase 2: 1–14 days (arrival to Anmeldung). Phase 3: from Anmeldung onwards. Total bridge cost with Care Visa Protect + Care Economy ≈ €50–€120 before switching to Care Expatriate €58/month or DAK-Gesundheit." } }, { "@type": "Question", "name": "What are the 3 phases of health insurance for expats in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Phase 1: Before arrival – secure insurance proof for your visa. Phase 2: After arrival – register, inform employer. Phase 3: After registration – switch to permanent insurance (GKV or PKV). An incoming policy like Care Expatriate covers phases 1 and 2." } }, { "@type": "Question", "name": "Do I need health insurance before entering Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, most visas require proof of health insurance starting from your entry date. Care Economy (from 30 €/30 days) or Care Expatriate (from 58 €/month) provide instant PDF proof accepted by embassies." } }, { "@type": "Question", "name": "How much does a hospital stay cost without insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "A single hospital day costs 600–1,200 €, and emergency surgery can exceed 15,000 €. With Care Expatriate from 58 €/month, you are covered from day 1 across all 3 phases." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance do I need before entering Germany as an expat?", "text": "What insurance do I need before entering Germany as an expat?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Phase 1 (before entry): Care Visa Protect from €0.85/day (min €7.50) covers the visa application and first 92 days. It meets EU Regulation 810/2009 for Schengen entry and is issued digitally within 5 minutes — mandatory before the embassy appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which cover applies after arrival but before Anmeldung in Germany?", "text": "Which cover applies after arrival but before Anmeldung in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Phase 2 (after entry, before Anmeldung): Care Economy from €30/30 days bridges the 14-day Bürgeramt window (§ 17 BMG). It works without a German address and is accepted by the Ausländerbehörde as interim proof under § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance is needed after Anmeldung as an expat in Germany?", "text": "What insurance is needed after Anmeldung as an expat in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Phase 3 (after Anmeldung): switch to Care Expatriate from €58/month (long-term private) or DAK-Gesundheit at 17.8% of gross (once employed). Both carry the § 5 AufenthG-compliant certificate for the residence permit application.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can one policy cover all three expat phases in Germany?", "text": "Can one policy cover all three expat phases in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate covers phases 2 and 3 seamlessly (from €58/month, 1–60 months). Phase 1 still needs Care Visa Protect (€0.85/day) because most embassies reject long-term private policies without a valid visa — Care Expatriate activates only after entry.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long does each expat phase typically take in Germany?", "text": "How long does each expat phase typically take in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Phase 1: 4–12 weeks (visa processing). Phase 2: 1–14 days (arrival to Anmeldung). Phase 3: from Anmeldung onwards. Total bridge cost with Care Visa Protect + Care Economy ≈ €50–€120 before switching to Care Expatriate €58/month or DAK-Gesundheit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What are the 3 phases of health insurance for expats in Germany?", "text": "What are the 3 phases of health insurance for expats in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Phase 1: Before arrival – secure insurance proof for your visa. Phase 2: After arrival – register, inform employer. Phase 3: After registration – switch to permanent insurance (GKV or PKV). An incoming policy like Care Expatriate covers phases 1 and 2.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need health insurance before entering Germany?", "text": "Do I need health insurance before entering Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, most visas require proof of health insurance starting from your entry date. Care Economy (from 30 €/30 days) or Care Expatriate (from 58 €/month) provide instant PDF proof accepted by embassies.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does a hospital stay cost without insurance in Germany?", "text": "How much does a hospital stay cost without insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A single hospital day costs 600–1,200 €, and emergency surgery can exceed 15,000 €. With Care Expatriate from 58 €/month, you are covered from day 1 across all 3 phases.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-checklist-before-entry-after-entry-after-registration-three-phases-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "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/) [Care Expatriate — § 5 / § 21 AufenthG long-term proof from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Expat Insurance Germany](/en/guide-health-insurance-germany/health-insurance-expats-germany/) 4. 3-Phase Checklist for Germany Three phases of the German arrival journey — before entry (visa), after entry (Anmeldung), after Anmeldung (residence permit). One recognised insurance lane per phase. The wrong lane in phase 3 normally pauses the permit. # Expat checklist for Germany — three phases: before entry, after entry, after Anmeldung 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Expat checklist for Germany — three phases (before entry, after entry, after Anmeldung) with the recognised insurance lane per phase: Care Visa Protect from €0.85/day for the visa, Care Economy from €30/30 days as bridge after arrival, Care Expatriate from €58/month for the residence permit](/assets/versicherungsnachweis-nicht-akzeptiert-checkliste-CORbWlSx.jpg) - [Phase 1 (before entry): Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/) (Schengen-conform · EU-VO 810/2009 · ≥ €30,000) - [Phase 2 (after entry): Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/) (bridge for landlord + bank · DE/EN PDF · foreign address OK) - [Phase 3 (after Anmeldung): Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur · § 5 / § 21 AufenthG · up to 5 years) Before entry Visa Protect €0.85/d After entry Economy €30/30d After Anmeldung Expatriate €58/mo Three rules that decide which insurance lane fits the three time-ordered phases of the German arrival journey: 1. 1 **Phase 1 — visa cover before entry:** Schengen visa applicants typically attach [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) (EU-VO 810/2009, ≥ €30,000, ≤ 92 days). National-visa applicants typically attach Care Expatriate already at this step. 2. 2 **Phase 2 — bridge after entry:** During the 14-day Anmeldung window (§ 17 BMG), landlord and bank typically accept [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) as placeholder. Cancellable the day the long-term lane or DAK-Gesundheit starts. 3. 3 **Phase 3 — long-term after Anmeldung:** For § 5 / § 21 AufenthG the certificate has to cover the full requested permit duration — [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) is recognised nationwide. Statutory DAK-Gesundheit only opens after the employee contract starts. Visa or Anmeldung in the next 14 days? [30-second 3-phase tariff finder →](/en/tariffinder-germany/) Inside: the four documents the embassy expects in phase 1 · why landlord and bank typically accept a different lane than the Ausländerbehörde · the one mistake (Care Visa Protect used for § 21 AufenthG) that pauses most permits Sources: EU-VO 810/2009 (Schengen visa minimum cover) · § 17 BMG (Anmeldung 14-day deadline) · § 5 / § 21 AufenthG (residence permit & cover precondition) · § 5 SGB V (statutory GKV via employment) · HanseMerkur Care Visa Protect / Care Economy / Care Expatriate AVB · Statistisches Bundesamt DRG 2024 Long-Stay Coverage Care Expatriate by HanseMerkur Versicherungsgruppe / Advigon Residence Documents Proof for visa or immigration authority documents Fast Confirmation PDF confirmation available after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 5, 2026** SourcesEU-VO 810/2009 · § 17 BMG · § 5 / § 21 AufenthG · § 5 SGB V · HanseMerkur Care Visa Protect / Care Economy / Care Expatriate AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Three phases — before entry (visa), after entry (move-in), after Anmeldung (residence permit). Lock the right lane per phase: Care Expatriate for the long-term permit, Care Economy as the bridge after arrival. Both bookable from a foreign address. [Care Expatriate — § 21 AufenthG accepted from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy — bridge after entry from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/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/) ## 📌 TL;DR — at a glance - Three time-ordered phases, three recognised insurance lanes: BEFORE entry — Care Visa Protect from €0.85/day (Schengen-conform, EU-VO 810/2009, ≥ €30,000, ages 0–74, up to 92 days). AFTER entry / pre-Anmeldung — Care Economy from €30/30 days (HanseMerkur incoming, bookable from foreign address) as bridge for landlord and bank during the 14-day Anmeldung window (§ 17 BMG). AFTER Anmeldung — Care Expatriate from €58/month at entry age 13–40 Basic (HanseMerkur incoming, § 5 / § 21 AufenthG, up to 5 years) for the residence permit. - Statutory DAK-Gesundheit (~17.8% of gross, employer pays half) only opens AFTER the employee contract starts and payroll is registered — it cannot be used as the visa proof, the move-in proof or the pre-permit proof. Both Care Economy and Care Expatriate are issued in German + English within minutes and bookable from a foreign address before the Anmeldung. - One uninsured inpatient day in Germany averages around €830 (Statistisches Bundesamt DRG 2024). Locking the right lane per phase prevents this risk completely from day 1 — visa, arrival, move-in and permit are all covered without gaps. Any travel-style cover stretched into the residence-permit phase is normally rejected at the Ausländerbehörde. Key facts at a glance Reviewed September 5, 2026 - **EU-VO 810/2009 — Schengen visa minimum cover ≥ €30,000:** Embassies typically reject any short-term certificate below this threshold. Care Visa Protect from €0.85/day (minimum €8.50, ages 0–74, up to 92 days) meets the four criteria — €30,000 medical, all Schengen states, repatriation, instant DE+EN PDF. (Source: EU-VO 810/2009 · HanseMerkur AVB). - **§ 17 BMG — 14-day Anmeldung deadline after move-in:** Within those 14 days the Bürgeramt issues the Meldebescheinigung. Landlord and bank typically ask for an insurance certificate at move-in and account opening — Care Economy from €30/30 days is the typical bridge in this window. (Source: § 17 BMG). - **§ 5 / § 21 AufenthG — certificate must cover the full requested permit duration:** If the requested permit is 24 months and the policy only covers 3, the Ausländerbehörde normally pauses the case. Care Expatriate (HanseMerkur) from €58/month at entry age 13–40 (Basic) is locked at the start for up to 60 months and accepted nationwide. (Source: § 5 / § 21 AufenthG · HanseMerkur AVB 2026). - **Average uninsured inpatient day in Germany: ~€830:** Statistisches Bundesamt DRG data shows an average inpatient day rate of around €830 (basic ward). Locking the right lane per phase prevents this risk completely from day 1 of the journey. (Source: Statistisches Bundesamt DRG 2024). ## 3 time-ordered phases of the German arrival journey — and the recognised insurance lane per phase **Quick answer:** "Which insurance do I need before entry, after entry and after the Anmeldung?" Phase 1 (before entry): Care Visa Protect from €0.85/day (Schengen, EU-VO 810/2009). Phase 2 (after entry, before Anmeldung): Care Economy from €30/30 days as bridge for landlord and bank. Phase 3 (after Anmeldung, residence permit): Care Expatriate from €58/month for § 5 / § 21 AufenthG. Statutory DAK-Gesundheit only opens after the employee contract starts. Phase 1 / 3 ### Phase 1 — before entry: visa application and arrival For the visa application and the trip itself, embassies typically require a Schengen-conform certificate under EU-VO 810/2009: at least €30,000 medical cover, valid in all Schengen states, including emergency repatriation. Care Visa Protect from €0.85/day (minimum €8.50, ages 0–74, up to 92 days) is issued in German + English within minutes and accepted by every German embassy. National-visa applicants typically attach Care Expatriate from €58/month at this step instead, because the embassy already wants the long-term lane visible. **Typical proof:** EU-VO 810/2009 · ≥ €30,000 · Schengen-wide · repatriation · DE+EN PDF [Care Visa Protect from €0.85/day (≤ 92 days) →](/en/insurance-plans/care-visa-protect/overview/) Phase 2 / 3 ### Phase 2 — after entry, before Anmeldung: landlord, bank, move-in After arrival the 14-day Anmeldung deadline (§ 17 BMG) starts. Landlords commonly ask for a basic insurance certificate at move-in; banks accept the same as placeholder cover for the Girokonto. Care Economy from €30/30 days (HanseMerkur incoming, Schengen-conform, entry until the 75th birthday, bookable from a foreign address with an instant German + English PDF) is the typical bridge. It is cancellable the day a recognised long-term tariff or DAK-Gesundheit takes over — no double-pay risk. **Typical proof:** Insurance proof + ID · 14-day Anmeldung deadline · cancellable bridge [Care Economy from €30/30 days (bridge) →](/en/insurance-plans/care-economy/overview/) Phase 3 / 3 ### Phase 3 — after Anmeldung: residence permit and long-term lane Once the Meldebescheinigung is issued, the Ausländerbehörde appointment for § 5 / § 21 AufenthG follows. The certificate has to cover the full requested permit duration — a travel-style policy is normally rejected. Care Expatriate (HanseMerkur incoming) from €58/month at entry age 13–40 (Basic) is recognised nationwide, runs up to 60 months and is issued in German + English. Statutory DAK-Gesundheit (~17.8% of gross, employer pays half) only opens AFTER the employee contract starts and replaces the private lane on day 1 of the contract. **Typical proof:** § 5 / § 21 AufenthG · full permit duration · DE+EN certificate [Care Expatriate from €58/month (long-term) →](/en/insurance-plans/care-expatriate/overview/) ## Avoid the mistakes that can delay your application ### Visitor insurance may be too short For multi-month or multi-year stays, Care Expatriate can be a better fit than short visitor coverage. ### Statutory or private? Freelancers, self-employed people and some incoming long-stay cases may need private incoming coverage instead of German statutory insurance. ### Residence proof requested? Care Expatriate can provide PDF confirmation after successful application for visa or immigration documents. ### Renewal stress later A longer coverage term can reduce repeated renewal pressure during projects, residence processes or long stays. ## What happens when an expat shows up at the embassy without Schengen-conform cover, or at the Ausländerbehörde with travel-style cover ## 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. 🧳 Up to 5 years Short visitor cover may be too weak For long stays, freelance work or residence documents, short visitor insurance may be too short or not the right proof. - 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. ## Visa interview or Anmeldung in the next 14 days? Lock the right lane today — every certificate is bookable from a foreign address ## Why act before your residence documents are due Long-stay proof can become urgent during visa, residence permit, project or relocation steps. Short visitor cover may not be enough. 🧳 Long stay, different proof Care Expatriate can fit longer incoming stays up to 5 years, depending on age and selected plan. 📄 Residence documents need clarity Your proof should match destination, coverage period and long-stay purpose. ⚡ Do not wait for renewal stress Preparing longer coverage early can reduce repeated extension pressure. ✅ Private or statutory? Freelancers, self-employed people and employees on assignment without German statutory insurance may need a different route than employees. ## From foreign address to recognised cover — in 3 steps 10 minutes online for Care Visa Protect, Care Economy or Care Expatriate, the policy document is issued by email in German + English and is accepted by embassies (phase 1), landlords + banks (phase 2) and the Ausländerbehörde (phase 3, Care Expatriate). Each lane is cancellable the day the next phase takes over — no double-pay risk. ## Long-term stay covered in 3 steps Care Expatriate can cover longer incoming stays up to 5 years, depending on age and selected plan. 1. 1 🎯 Choose your plan Care Expatriate for expats, freelancers, self-employed people, employees on assignment without German statutory insurance, or seniors up to entry age 74. 2. 2 📝 Complete the application Enter passport, destination, stay details and requested coverage period online. Additional questions may apply depending on the plan. 3. 3 ✅ Submit your proof Receive PDF confirmation after successful application and submit it to the embassy, consulate or immigration authority if requested. ## What expats say about Care Expatriate as the long-term proof for § 21 AufenthG after the Anmeldung 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/) ## The 3 recognised insurance lanes — one per phase ✅ Phase 3 · § 5 / § 21 AufenthG ### 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 🛬 Phase 2 · bridge after entry ### 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 ✈️ Phase 1 · before entry ### 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 Need the per-agency view? [Anmeldung documents in parallel](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/). Need the duration view? [Health insurance and length of stay](/en/guide-health-insurance-germany/health-insurance-expats-germany/health-insurance-and-stay-duration-how-affects-self-short-vs-long-typically-out-germany/). Permit context: [why insurance is almost always required](/en/guide-health-insurance-germany/health-insurance-expats-germany/residence-permit-expats-why-health-insurance-almost-always-matters-germany/). Compare every lane in the [foreigners hub](/en/guide-health-insurance-germany/health-insurance-expats-germany/). ## Full price tables — Care Visa Protect · Care Economy · Care Expatriate **Quick answer:** Three recognised products cover every phase of the German arrival journey: Care Visa Protect from €0.85/day for the visa, Care Economy from €30/30 days as bridge after arrival, Care Expatriate from €58/month for the residence permit. All bookable from a foreign address, certificates issued in German and English. ### Phase 1 — Care Visa Protect HanseMerkur Reiseversicherung AG, Schengen-conform under EU-VO 810/2009, ages 0–74, up to 92 days, certificate in German + English (button price: from €0.85/day (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/) ### Phase 2 — Care Economy HanseMerkur incoming, Schengen-conform, ages 0–74, 1 day to 2 years, bookable from a foreign address, cancellable the day long-term cover starts (button price: from €30 / 30 days (up to 2 years)): 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/) ### Phase 3 — Care Expatriate HanseMerkur incoming, ages 0–74, up to 5 years, accepted by the Ausländerbehörde for § 5 / § 21 AufenthG, certificate in German + English (3 tiers — Basic / Comfort / Premium · button price: from €58/month (up to 5 years)): 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/) ## How long should the health insurance run? **Quick answer:** **Usually for as long as the stay is planned to last — and not shorter.** The premium is set by the entry age at the start of the contract and stays in that age band for the whole term. Anyone who extends later typically signs a new contract at the age they are by then. Term comparison over five years — example values, Basic, age band 13–40 (€58/month) Term Premium/month Total Renewals needed Pre-existing-condition gap 12 months €58 €696 4 possible (2×) 24 months €58 €1,392 2 possible (1×) 60 months €58 €3,480 0 none ### Is a 41st birthday coming up? In the 13–40 age band the Basic premium is €58/month; in the 41–60 band it is €68/month (example values). The difference is around €10 a month — roughly €600 over 60 months. What counts is the age at the start of the contract, not the age during the term. Concretely: someone who chooses a 60-month term at 40 pays the 13–40 band for five years, rather than the 41–60 band from their 41st birthday onwards. ### When the renewal falls due A policy with a twelve-month term typically expires at close to the point the residence permit (Aufenthaltstitel) also needs extending. Both then fall in the same weeks: new contract, new proof of cover, new appointment at the foreigners' authority (Ausländerbehörde) — often under time pressure. A longer term decouples the two dates. There is also the practical effort: every renewal means passport details, proof of address and personal information again — usually gathered by relatives in Germany while the insured person is still abroad. ### What is different at renewal Conditions that first arise during a running contract are, as a rule, covered within that contract. In a contract taken out later they typically count as a pre-existing condition — and pre-existing conditions are usually excluded in incoming tariffs. The older the insured person, the more likely it is that a diagnosis falls between two contracts, and that diagnosis then usually counts as pre-existing in the follow-up contract. A continuous term avoids that gap. A gap can also open up between two contracts — days without cover, which may become visible when the residence permit is next extended. A continuous term avoids that. A fixed term also means planning certainty for the family: the premium is set for the whole duration, with no annual recalculation. For context: Care Expatriate can be taken out up to the age of 74. ### Monthly or a single payment? **Quick answer:** **Both are possible, and the price is the same — there is no discount for paying in one go.** The difference lies in the risk: if a direct debit goes unpaid, that can affect the insurance cover — and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit. That matters above all where the premiums are paid by relatives in Germany: a job change, a change of bank or one tight month then has no bearing on the insured person's residence status. Where the premium is transferred from abroad, one payment replaces up to sixty individual transfers — each with its own bank charges and exchange rate. ### What happens on an early return? If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is, as a rule, refunded minus a €5 processing fee (source: Care Concept FAQ). So someone who pays 60 months in advance and returns after two years gets the premium for the unused months back — the financial risk of paying in one go is therefore €5, not the remaining balance. ### And if the visa is not granted? If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover begins. Premiums already paid are, as a rule, refunded minus a €5 processing fee (source: Care Concept FAQ). ## FAQ — Expat 3-phase checklist for Germany ## Frequently Asked Questions What insurance do I need before entering Germany as an expat? Phase 1 (before entry): Care Visa Protect from €0.85/day (min €7.50) covers the visa application and first 92 days. It meets EU Regulation 810/2009 for Schengen entry and is issued digitally within 5 minutes — mandatory before the embassy appointment. Which cover applies after arrival but before Anmeldung in Germany? Phase 2 (after entry, before Anmeldung): Care Economy from €30/30 days bridges the 14-day Bürgeramt window (§ 17 BMG). It works without a German address and is accepted by the Ausländerbehörde as interim proof under § 5 AufenthG. What insurance is needed after Anmeldung as an expat in Germany? Phase 3 (after Anmeldung): switch to Care Expatriate from €58/month (long-term private) or DAK-Gesundheit at 17.8% of gross (once employed). Both carry the § 5 AufenthG-compliant certificate for the residence permit application. Can one policy cover all three expat phases in Germany? Care Expatriate covers phases 2 and 3 seamlessly (from €58/month, 1–60 months). Phase 1 still needs Care Visa Protect (€0.85/day) because most embassies reject long-term private policies without a valid visa — Care Expatriate activates only after entry. How long does each expat phase typically take in Germany? Phase 1: 4–12 weeks (visa processing). Phase 2: 1–14 days (arrival to Anmeldung). Phase 3: from Anmeldung onwards. Total bridge cost with Care Visa Protect + Care Economy ≈ €50–€120 before switching to Care Expatriate €58/month or DAK-Gesundheit. What are the 3 phases of health insurance for expats in Germany? Phase 1: Before arrival – secure insurance proof for your visa. Phase 2: After arrival – register, inform employer. Phase 3: After registration – switch to permanent insurance (GKV or PKV). An [incoming policy like Care Expatriate](/en/insurance-plans/care-expatriate/overview/) covers phases 1 and 2. Do I need health insurance before entering Germany? Yes, most visas require proof of health insurance starting from your entry date. [Care Economy](/en/insurance-plans/care-economy/overview/) (from 30 €/30 days) or Care Expatriate (from 58 €/month) provide instant PDF proof accepted by embassies. How much does a hospital stay cost without insurance in Germany? A single hospital day costs 600–1,200 €, and emergency surgery can exceed 15,000 €. With [Care Expatriate from 58 €/month](/en/insurance-plans/care-expatriate/overview/), you are covered from day 1 across all 3 phases. [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 5, 2026.