---
title: "From €58/mo · Expat Moves to Germany · Cover Checklist 2026"
description: "Expat moving to Germany: starting when must health insurance cover exist? Checklist for immigration office and embassy — recognized tariffs."
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---

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✈️ 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 — long-term residence permit 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.  Expat Moves to Germany: When Is It Required 

Cover must exist from day 1 in Germany — embassies typically already require proof at the visa application (§ 5 AufenthG) 

# Expat Moving to Germany: When Must Health Insurance Cover Exist? Checklist 2026

4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) 

![Expat moving to Germany — when must health insurance cover exist? Checklist for embassy, entry and Ausländerbehörde](/assets/aufenthaltserlaubnis-rentner-deutschland--SjhSpkd.jpg)

-   [Long-term residence permit: Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur · § 18a/§ 21 AufenthG · up to 5 years) 
-   [Visitor / job-search / Chancenkarte: Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/) (Schengen-conform · ages 0–74 · up to 2 years) 
-   [Employed contract: DAK-Gesundheit ~17.8% of gross](/en/insurance-plans/dak-gesundheit-angestellte/overview/) (statutory · § 5 Abs. 1 Nr. 1 SGB V · employer pays half) 

Day 1

Cover from entry

Long-term

Care Expatriate €58/mo

Employed

DAK ~17.8%

Three immovable rules for an expat moving to Germany under § 5 AufenthG :

1.  1 **Cover starts on or before the entry date:** Not on the date of the Anmeldung at the Einwohnermeldeamt, not on the date of the residence-permit appointment. Most German embassies already require recognised proof at the visa application — typically [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) as the embassy bridge. 
2.  2 **The residence purpose decides the lane, not personal preference:** Employees with a German work contract are mandatorily statutory under § 5 Abs. 1 Nr. 1 SGB V — the employer registers them at a GKV (e.g. DAK). Self-employed and freelancers stay private with [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur, ages 18–74, accepted for § 21 AufenthG up to 5 years). 
3.  3 **Foreign / travel policies are bridge-only:** Typically accepted for the first weeks after entry, but the Ausländerbehörde requires a German-recognised contract for the residence permit itself. Plan the switch from the travel / Care Economy bridge to [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) or DAK before the residence-permit appointment. 

Not sure which lane fits?  [30-second expat-tariff finder →](/en/tariffinder-germany/)

Inside:  the one form most expats forget at the Einwohnermeldeamt  ·  why a travel policy will not get you a residence permit  ·  the entry-age bracket that doubles your premium overnight 

Sources:  § 5 AufenthG (cover requirement) · § 18a / § 21 AufenthG (employed / self-employed permit) · § 5 Abs. 1 Nr. 1 SGB V (mandatory statutory for employees) · HanseMerkur Care Expatriate / Care Economy AVB · DAK-Gesundheit tariff sheet 2026 

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 3, 2026**  Sources§ 5 / § 18a / § 21 AufenthG · § 5 Abs. 1 Nr. 1 SGB V · HanseMerkur Care Expatriate / Care Economy AVB · DAK-Gesundheit 2026 

4.9/5 458 customer responses · [our own survey](/en/review-methodology/) 

Over 10,000 policies issued · Since 2009

## Moving to Germany? Take out Care Expatriate so the contract is in place before the residence-permit appointment — embassies and the Ausländerbehörde routinely refuse travel-only policies.

[Care Expatriate — long-term residence permit from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy — embassy & entry bridge 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

-   German law (§ 5 AufenthG) requires every foreigner to hold recognised health-insurance cover from day 1 of the stay — and embassies typically already require proof at the visa application, before you even fly. Three recognised tariff lanes cover the standard expat path: Care Economy from €30/30 days (visitor / job-search / Chancenkarte, up to 2 years), Care Expatriate from €58/month (long-term self-employed / freelancer / mobile worker, up to 5 years), DAK-Gesundheit (statutory, mandatory once an employer registers the contract under § 5 Abs. 1 Nr. 1 SGB V). 
-   Three immovable rules: (1) Cover must START on or before the date of entry — not on the date of the Anmeldung at the Einwohnermeldeamt and not on the date of the residence-permit appointment. (2) Foreign / travel policies are typically accepted only as a bridge for the first weeks; the Ausländerbehörde requires a German-recognised contract for the residence permit itself. (3) The right tariff is determined by the residence purpose, NOT by personal preference — employees go to GKV via the employer; self-employed / freelancers stay private (Care Expatriate); visitors / job-seekers use Care Economy. 
-   Cost frame: a single uninsured inpatient day in Germany averages €830 (DeStatis DRG 2024). Care Economy bridges the embassy → entry → Anmeldung phase from €30/30 days, Care Expatriate covers the long-term residence permit from €58/month, and once the employer registers the work contract DAK-Gesundheit takes over at 17.8% of gross salary (employer pays half). Booking the wrong tariff (e.g. travel policy for a 2-year stay) leads to refused residence permits and forced re-purchase at higher entry-age premiums. 

Key facts at a glance Reviewed September 3, 2026

-   **§ 5 AufenthG: recognised cover from day 1 in Germany — and typically already at the embassy:** The German Aufenthaltsgesetz makes proof of sufficient health-insurance cover a precondition of every residence permit. Most embassies already require recognised proof at the visa application, before the flight. Booking the wrong tariff at the embassy stage leads to refused or delayed residence permits. (Source: § 5 AufenthG).
-   **§ 5 Abs. 1 Nr. 1 SGB V: employees are mandatorily statutory once the employer registers the contract:** An expat with a German work contract above the marginal-employment threshold is automatically statutory at the GKV (e.g. DAK-Gesundheit) at around 17.8% of gross salary, employer pays half. No private alternative is allowed below the JAEG threshold (€77,400/year in 2025). (Source: § 5 Abs. 1 Nr. 1 SGB V).
-   **Care Expatriate covers the long-term self-employed / freelancer / mobile-worker lane up to 5 years:** HanseMerkur Care Expatriate from €58/month (entry age 13–40), accepted by every Ausländerbehörde for § 21 AufenthG self-employed residence permits and § 18a AufenthG skilled-worker permits where no GKV trigger exists. Entry-age brackets: 41–60 from €68/month, 61–74 from €246/month. (Source: HanseMerkur Care Expatriate AVB 2026).
-   **Average uninsured inpatient day in Germany: ~€830:** Statistisches Bundesamt DRG data shows an average inpatient day rate of around €830 (basic ward). Whichever lane fits the residence purpose — DAK statutory, Care Expatriate long-term, or Care Economy embassy bridge — recognised cover prevents this cost completely. (Source: Statistisches Bundesamt DRG 2024).

## Five typical mistakes when an expat moves to Germany

**Quick answer:** "From when must my health-insurance cover exist when I move to Germany?" — most expats run into one of five issues: starting cover only on the Anmeldung date instead of the entry date; using a foreign or travel policy as the long-term solution; choosing the wrong tariff for the residence purpose (e.g. travel policy for a 2-year stay); not insuring family members from day 1 of the joint entry; or missing the switch from the embassy bridge (Care Economy) to the long-term contract (Care Expatriate / DAK) before the residence-permit appointment.

## 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 an uninsured first day in Germany can cost an expat

## 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.

## Flight booked? Cover has to be in force on the entry date — file before the embassy / Ausländerbehörde appointment

## 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 decision to recognised proof — in 3 steps

10 minutes online for Care Expatriate or Care Economy, the policy document is issued by email and is accepted by every German embassy and every Ausländerbehörde for the residence permit. Once the employer registers the work contract, DAK automatically takes over under § 5 SGB V.

## 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 for the long-term residence permit in Germany

4.9/5 458 customer responses · [our own survey](/en/review-methodology/) 

“ 

5/5 

> “My biggest worry was that the embassy wouldn't accept the insurance.   
> The proof was accepted immediately — no questions asked.   
> That saved me a lot of stress.” 

![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) 

Georges

Cameroon

“ 

5/5 

> “I needed proof of insurance urgently for my visa appointment.   
> The confirmation arrived within minutes by email.   
> Everything worked first time at the embassy.” 

![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) 

Olga

Russia

“ 

5/5 

> “Found the best solution and best service for health insurance for foreign visitors and guests in Germany.   
> Fast, simple and affordable.   
> Highly recommended!” 

![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) 

Michael

Germany

“ 

5/5 

> “The online sign-up was done in just a few minutes.   
> When I actually had to see a doctor, the billing went smoothly.   
> I was really covered — not just on paper.” 

![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) 

Yunhee

Australia

### Now choose your plan

4.9/5 458 customer responses · [our own survey](/en/review-methodology/) 

## The 3 recognised products that cover the expat path in Germany

✅ Long-term residence permit (§ 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

🛬 Embassy & entry bridge

### 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

💼 Statutory once employed

### DAK-Gesundheit Employees 

currently 17.8% of gross income

(employer pays half · plus long-term care insurance)

For foreign employees with a social-security-covered job in Germany

-   Statutory health insurance for employees in Germany 
-   Employer pays half of the health insurance contribution 
-   Family coverage for spouse & children may be possible under statutory rules 
-   Doctor, dentist, hospital, pharmacy & prescription medication coverage 
-   Health insurance card for medical treatment in Germany 
-   EU/EEA coverage via the European Health Insurance Card 
-   Save €120 per year with DAK Garantietarif 120 possible 
-   Optional: DAK Fit & Travel with additional benefits up to age 39 
-   Mandatory long-term care insurance also applies 
-   Reputable statutory health insurance provider 

Why DAK-Gesundheit?

For foreign employees in Germany who need statutory health insurance with a health insurance card, employer contribution and possible family coverage.

Why statutory health insurance as an employee?

More security in everyday working life in Germany: the employer pays half, family members may be covered free of charge under certain conditions, and medical treatment is handled easily through the health insurance card.

-   🏛️ DAK-Gesundheit
-   📄 Membership certificate for employers & authorities
-   🔒 Doctor, dentist, clinic, pharmacy & prescription medication
-   🏷️ Currently 17.8% of gross income · employer pays half

[DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit-angestellte/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit-angestellte/apply/)

→ Complete the application, start your membership, receive your health insurance card

Compare every expat lane and all 11 tariffs in the [foreigners hub](/en/health-insurance-foreigners-in-germany/).

## Full price tables — Care Expatriate · Care Economy · DAK-Gesundheit

**Quick answer:** Three recognised products cover the full expat path: Care Expatriate from €58/month (long-term residence permit, up to 5 years), Care Economy from €30/30 days (embassy / job-search / Chancenkarte bridge, up to 2 years), and statutory DAK at ~17.8% of gross salary once the employer registers the work contract.

### Long-term residence permit — Care Expatriate

HanseMerkur incoming, ages 0–74, up to 5 years, accepted for § 18a / § 21 AufenthG, valid worldwide including the home country (3 tiers — Basic / Comfort / Premium):

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/)

### Embassy & entry bridge — Care Economy

Schengen-conform incoming, ages 0–74, 1 day to 2 years, accepted for visitor / job-search / Chancenkarte:

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/)

### Statutory once the employer registers the contract — DAK-Gesundheit

Statutory under § 5 Abs. 1 Nr. 1 SGB V, ~17.8% of gross salary, employer pays half, free Familienversicherung for spouse and children (DAK button price: 17.8% of gross (open-ended)):

DAK-Gesundheit for employees (statutory) 

General contribution rate

14.6 % of gross

\+ 3.2 % DAK supplement = 17.8 %

Employer / employee share

8.9 % each

Paid 50/50

Compulsory long-term care

approx. 3.6 % standard

4.2 % childless from age 23 · reductions depending on number of children

Total (incl. care, childless)

≈ 22.0 % of gross

Depending on long-term care variant

Family co-insurance

possible

Spouse & children covered under statutory conditions

Sickness pay (Krankengeld)

from day 43

70 % of gross, max 78 weeks

Compulsory insurance limit (JAEG)

€77,400 / year

\= €6,450 / month (as of 2026)

Income-based

No flat rate — contribution scales with gross salary

Family covered free

Spouse without income + children co-insured

Mandatory under JAEG

Gross < €77,400 / year → statutory insurance required

2026 contribution rates: 14.6 % general + 3.2 % DAK supplement = 17.8 %; split 50/50 between employer and employee (8.9 % each). Compulsory long-term care approx. 3.6 % standard, 4.2 % childless from age 23, reductions depending on number of children. Family co-insurance possible under statutory conditions. As of 2026.

[DAK Employees — Overview](/en/insurance-plans/dak-gesundheit-angestellte/overview/) [Apply for membership](/en/insurance-plans/dak-gesundheit-angestellte/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 moving to Germany: when must health insurance cover exist?

## Frequently Asked Questions

When must an expat's health insurance cover start in Germany? 

Cover must exist from day one of entry — the German Ausländerbehörde requires proof under § 5 AufenthG on the very first day the residence permit becomes effective. Care Expatriate starts from €58/month (ages 13–40) with a same-day PDF certificate.

Is travel insurance enough when relocating to Germany as an expat? 

No — expats need a recognized Incoming or statutory tariff: Care Expatriate (from €58/month) for private cover, or DAK-Gesundheit once employment starts (17. A tourist travel policy is not accepted for a residence permit. 8% of gross, split 50/50 with the employer).

Do I need German health insurance before or after the Anmeldung (address registration)? 

Before. The Bürgeramt requires the Meldebescheinigung, but the Ausländerbehörde requires health insurance proof for the residence permit — and most banks and landlords also ask before signing. Care Expatriate issues the certificate within minutes.

Can Care Expatriate bridge the gap until my employer registers me with GKV? 

Yes — care Expatriate is the standard bridge tariff for expats — from €58/month, cancellable monthly once DAK-Gesundheit or another Krankenkasse confirms enrolment. Cover runs 1–60 months under § 5 AufenthG.

Which documents does the Ausländerbehörde ask from expats moving to Germany? 

Typically five: valid passport, biometric photo, rental contract + Anmeldung, proof of income or employment, and a health insurance certificate under § 5 AufenthG. Care Expatriate delivers the last one as a PDF the same day for €58/month upwards.

When does health insurance need to start for expats moving to Germany? 

Health insurance must be in place from your first day in Germany. Many embassies already require proof when applying for a visa. For a quick start, [Care Expatriate from 58 EUR/month](/en/insurance-plans/care-expatriate/overview/) provides immediate coverage accepted by authorities.

What health insurance do I need as a self-employed expat in Germany? 

Self-employed expats are not covered by statutory health insurance (GKV) through an employer. Common options include Care Expatriate (from 58 EUR/month, up to 5 years) or voluntary GKV membership. See our [product overview](/produktuebersicht/) for all available plans.

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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 3, 2026.