--- title: "From €30/30d · Expat Anmeldung documents Germany 2026" description: "Expat Anmeldung in Germany — which documents the Bürgeramt, landlord and Ausländerbehörde ask for in parallel: insurance proof from €30/30 days, recognised lanes explained." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": 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are often required in parallel", "description": "Expat Anmeldung in Germany — which documents the Bürgeramt, landlord and Ausländerbehörde ask for in parallel: insurance proof from €30/30 days, recognised lanes explained.", "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": "2026-09-06", "dateModified": "2026-09-09", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Bundesagentur für Arbeit", "url": "https://en.wikipedia.org/wiki/Federal_Employment_Agency" }, { "@type": "Thing", "name": "Ausländerbehörde", "url": "https://en.wikipedia.org/wiki/Foreigners%27_authority" }, { "@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": "Registration & Documents in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-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": "Which documents do expats need for Anmeldung in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The Wohnungsgeberbestätigung (landlord confirmation, § 19 BMG), passport, and Meldeformular. The Bürgeramt does not require insurance proof — but the Ausländerbehörde asks for it in parallel (Care Expatriate from €58/month or Care Economy from €30/30 days)." } }, { "@type": "Question", "name": "Do I need a German address before buying health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy (from €30/30 days) and Care Visa Protect (from €0. No. 85/day) can be issued to a foreign address or hotel. Care Expatriate from €58/month accepts pre-Anmeldung applications with a temporary address — final policy update after § 17 BMG registration." } }, { "@type": "Question", "name": "Which documents does the Ausländerbehörde request alongside Anmeldung?", "acceptedAnswer": { "@type": "Answer", "text": "Passport, visa/entry stamp, biometric photo, insurance certificate (Care Expatriate €58/month or DAK-Gesundheit), Wohnungsgeberbestätigung, and proof of income or contract (§ 5 AufenthG). All within the 14-day Anmeldung window (§ 17 BMG)." } }, { "@type": "Question", "name": "What insurance does the German bank need to open an account?", "acceptedAnswer": { "@type": "Answer", "text": "Most banks (N26, Deutsche Bank, DKB) don't require insurance directly, but need Anmeldung + tax ID. Once approved, the SEPA mandate for Care Expatriate (from €58/month) or DAK-Gesundheit debits is set up in 2–3 days." } }, { "@type": "Question", "name": "Is the Anmeldung deadline strict in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — § 17 BMG sets 14 days from moving in. Missing it triggers a fine up to €1,000 (§ 54 BMG). Care Economy from €30/30 days can bridge insurance during any delay until the Anmeldung is complete and DAK-Gesundheit or Care Expatriate becomes active." } }, { "@type": "Question", "name": "What documents do I need for Anmeldung in Germany as an expat?", "acceptedAnswer": { "@type": "Answer", "text": "You need your passport, Wohnungsgeberbestätigung (landlord confirmation), and your visa. Health insurance proof is needed for the Ausländerbehörde. An incoming insurance like Care Expatriate (from 58 €/month) provides accepted proof with instant PDF." } }, { "@type": "Question", "name": "Can I register in Germany without health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, the Anmeldung itself usually doesn't require insurance proof. However, the Ausländerbehörde will require it for your residence permit. A Care Economy policy (from 30 €/30 days) can serve as fast-track proof during the transition period." } }, { "@type": "Question", "name": "How long does it take to get health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Private incoming insurance like Care Expatriate gives you instant proof – PDF in about 7 minutes. For public insurance (GKV), the electronic health card takes 2–4 weeks, but you receive a provisional certificate immediately after enrollment." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which documents do expats need for Anmeldung in Germany?", "text": "Which documents do expats need for Anmeldung in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The Wohnungsgeberbestätigung (landlord confirmation, § 19 BMG), passport, and Meldeformular. The Bürgeramt does not require insurance proof — but the Ausländerbehörde asks for it in parallel (Care Expatriate from €58/month or Care Economy from €30/30 days).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need a German address before buying health insurance?", "text": "Do I need a German address before buying health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Economy (from €30/30 days) and Care Visa Protect (from €0. No. 85/day) can be issued to a foreign address or hotel. Care Expatriate from €58/month accepts pre-Anmeldung applications with a temporary address — final policy update after § 17 BMG registration.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which documents does the Ausländerbehörde request alongside Anmeldung?", "text": "Which documents does the Ausländerbehörde request alongside Anmeldung?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Passport, visa/entry stamp, biometric photo, insurance certificate (Care Expatriate €58/month or DAK-Gesundheit), Wohnungsgeberbestätigung, and proof of income or contract (§ 5 AufenthG). All within the 14-day Anmeldung window (§ 17 BMG).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance does the German bank need to open an account?", "text": "What insurance does the German bank need to open an account?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Most banks (N26, Deutsche Bank, DKB) don't require insurance directly, but need Anmeldung + tax ID. Once approved, the SEPA mandate for Care Expatriate (from €58/month) or DAK-Gesundheit debits is set up in 2–3 days.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is the Anmeldung deadline strict in Germany?", "text": "Is the Anmeldung deadline strict in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — § 17 BMG sets 14 days from moving in. Missing it triggers a fine up to €1,000 (§ 54 BMG). Care Economy from €30/30 days can bridge insurance during any delay until the Anmeldung is complete and DAK-Gesundheit or Care Expatriate becomes active.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What documents do I need for Anmeldung in Germany as an expat?", "text": "What documents do I need for Anmeldung in Germany as an expat?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "You need your passport, Wohnungsgeberbestätigung (landlord confirmation), and your visa. Health insurance proof is needed for the Ausländerbehörde. An incoming insurance like Care Expatriate (from 58 €/month) provides accepted proof with instant PDF.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I register in Germany without health insurance?", "text": "Can I register in Germany without health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, the Anmeldung itself usually doesn't require insurance proof. However, the Ausländerbehörde will require it for your residence permit. A Care Economy policy (from 30 €/30 days) can serve as fast-track proof during the transition period.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long does it take to get health insurance in Germany?", "text": "How long does it take to get health insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Private incoming insurance like Care Expatriate gives you instant proof – PDF in about 7 minutes. For public insurance (GKV), the electronic health card takes 2–4 weeks, but you receive a provisional certificate immediately after enrollment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-registration-which-documents-are-often-required-in-parallel-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "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. Registration & Documents in Germany 14 days for the Anmeldung (§ 17 BMG) — and three agencies ask for documents in parallel: Bürgeramt, bank/landlord, Ausländerbehörde. Lining up the insurance lane first removes most of the ping-pong. # Expat Anmeldung in Germany — which documents are often required in parallel 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Expat Anmeldung in Germany — which documents the Bürgeramt, landlord, bank and Ausländerbehörde ask for in parallel during the 14-day registration window, and how Care Economy from €30/30 days and Care Expatriate from €58/month cover the insurance proof for each step](/assets/aufenthaltserlaubnis-rentner-deutschland--SjhSpkd.jpg) - Bürgeramt (Anmeldung): passport · Wohnungsgeberbestätigung · form — 14-day deadline (§ 17 BMG) - [Bank / landlord placeholder: Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/) (Schengen-conform · DE/EN PDF · foreign address OK) - [Ausländerbehörde long-term: Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur · § 5 / § 21 AufenthG · up to 5 years) Bürgeramt Anmeldung 14 d Bank + flat Economy €30/30d Permit Expatriate €58/mo Three rules that decide which documents the Bürgeramt, bank and Ausländerbehörde typically expect during the 14-day Anmeldung window: 1. 1 **Anmeldung first, insurance lane second:** The Bürgeramt asks for passport, Wohnungsgeberbestätigung and the form within 14 days (§ 17 BMG) — no insurance proof at this step. But the Meldebescheinigung is then a precondition for the bank upgrade and the Ausländerbehörde, so the insurance lane should already be locked. 2. 2 **Right lane per agency:** Landlords and banks usually accept [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) as basic placeholder; the Ausländerbehörde normally requires [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (or another recognised long-term tariff) for § 5 / § 21 AufenthG. 3. 3 **Travel cover is rejected for the permit:** A travel/incoming policy stretched beyond its scope is normally rejected at the Ausländerbehörde — the certificate must cover the full requested permit duration, not just the first weeks. Anmeldung appointment in the next 14 days? [30-second pre-Anmeldung tariff finder →](/en/tariffinder-germany/) Inside: the 4 documents the Bürgeramt actually asks for at the Anmeldung · why the bank upgrade and the Ausländerbehörde need different insurance lanes · the one mistake (travel cover used for § 21 AufenthG) that pauses most permits Sources: § 17 BMG (Anmeldung 14-day deadline) · § 5 / § 21 AufenthG (residence permit & cover precondition) · § 5 SGB V (statutory GKV via employment — opens only after contract start) · HanseMerkur Care Expatriate / Care Economy 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 9, 2026** Sources§ 17 BMG · § 5 / § 21 AufenthG · § 5 SGB V · HanseMerkur Care Expatriate / Care Economy AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Anmeldung in Germany within 14 days (§ 17 BMG): line up the insurance lane first — Care Expatriate for the Ausländerbehörde, Care Economy as the short bridge for landlord and bank. 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 — short bridge / placeholder 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 agencies ask for documents in parallel during the 14-day Anmeldung window (§ 17 BMG): the Bürgeramt (Anmeldung itself — passport, Wohnungsgeberbestätigung, form), the bank/landlord (insurance proof + ID) and the Ausländerbehörde (§ 5 / § 21 AufenthG residence permit, insurance for the full requested duration). Lining up the insurance lane first prevents most of the appointment ping-pong. - Recognised insurance lanes: Care Economy from €30/30 days (Schengen-conform short bridge, entry until the 75th birthday, bookable from a foreign address, instant German + English PDF) for the move-in / bank-placeholder phase, and Care Expatriate from €58/month at entry age 13–40 (Basic) — HanseMerkur incoming, accepted by the Ausländerbehörde for § 5 / § 21 AufenthG, up to 5 years. - 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 pre-Anmeldung or pre-permit proof. One uninsured inpatient day in Germany averages ~€830 (Statistisches Bundesamt DRG 2024); recognised cover prevents this risk completely from day 1. Key facts at a glance Reviewed September 9, 2026 - **§ 17 BMG sets a 14-day legal deadline for the Anmeldung after move-in:** Within those 14 days the Bürgeramt issues the Meldebescheinigung against passport + Wohnungsgeberbestätigung + form. The bank upgrade and the Ausländerbehörde appointment normally follow within the same window — that's why the insurance lane has to be locked in parallel. (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). - **§ 5 SGB V — DAK-Gesundheit only opens after the employee contract starts:** Statutory cover (~17.8% of gross, half paid by the employer) is registered through payroll on day 1 of the contract — it cannot be used as the pre-Anmeldung proof for landlord, bank or Ausländerbehörde. The recognised pre-Anmeldung lanes are Care Economy and Care Expatriate. (Source: § 5 SGB V · DAK-Gesundheit 2026). - **Average uninsured inpatient day in Germany: ~€830:** Statistisches Bundesamt DRG data shows an average inpatient day rate of around €830 (basic ward). The right pre-Anmeldung lane (Care Economy short, Care Expatriate long) prevents this risk completely from day 1 — even before the Meldebescheinigung is issued. (Source: Statistisches Bundesamt DRG 2024). ## 3 agencies that ask for documents in parallel during the 14-day Anmeldung window — and what each typically expects **Quick answer:** "Which documents do the Bürgeramt, the bank and the Ausländerbehörde ask for in parallel?" The Bürgeramt wants passport + Wohnungsgeberbestätigung + form (no insurance proof). The bank/landlord want insurance proof + ID — Care Economy from €30/30 days as the short bridge. The Ausländerbehörde wants long-term cover for the full permit duration — Care Expatriate from €58/month under § 5 / § 21 AufenthG. Statutory DAK-Gesundheit only opens after the employee contract starts. Agency 1 / 3 ### Bürgeramt — the Anmeldung itself (14-day deadline, § 17 BMG) The Bürgeramt issues the Meldebescheinigung (registration certificate). What it asks for: valid passport (and visa), the Wohnungsgeberbestätigung signed by the landlord, and the completed Anmeldeformular. Insurance proof is not formally required at this step — but the Meldebescheinigung is then a precondition for the Lohnsteuer-ID, the bank account upgrade and the Ausländerbehörde appointment, which is why the insurance lanes have to be lined up before the appointments stack up. **Typical ask:** Passport · Wohnungsgeberbestätigung · Anmeldeformular · 14-day deadline [Pre-line the insurance lane while the Anmeldung is pending →](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-german-address-bank-authority-how-to-think-typically-germany/) Agency 2 / 3 ### Bank / landlord — insurance proof at move-in and account opening Landlords commonly accept a basic insurance certificate at move-in to confirm you can actually pay for medical care; banks normally accept the same as placeholder cover during the Anmeldung phase but expect a recognised long-term tariff for the permanent Girokonto. Care Economy from €30/30 days (Schengen-conform, entry until the 75th birthday, bookable from a foreign address with an instant German + English PDF) is the typical short bridge. **Typical ask:** Insurance proof + ID · Anmeldebestätigung after Bürgeramt [Care Economy from €30/30 days (short bridge) →](/en/insurance-plans/care-economy/overview/) Agency 3 / 3 ### Ausländerbehörde — § 5 / § 21 AufenthG long-term proof For the residence permit appointment the certificate must 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) only opens AFTER the employee contract starts and cannot be used as the pre-permit proof. **Typical ask:** § 5 / § 21 AufenthG · DE + EN certificate · full permit duration [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 misses the 14-day Anmeldung deadline or shows up 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. ## Anmeldung appointment in the next 14 days? Lock the right insurance lane today — the 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 Economy or Care Expatriate, the policy document is issued by email in German + English and is accepted by landlords (placeholder), banks (placeholder) and the Ausländerbehörde (Care Expatriate, long-term). The same certificate covers the Anmeldung step a few days later. ## 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 during the Anmeldung window 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 2 recognised insurance lanes for the Anmeldung phase ✅ Long-term · § 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 🛬 Short bridge / landlord placeholder ### 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 Need the no-address case in detail? [Insurance proof before the Anmeldung](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-german-address-bank-authority-how-to-think-typically-germany/). Need the lane logic? [Private vs. statutory — which factors matter](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-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 Expatriate · Care Economy **Quick answer:** Two recognised products cover every Anmeldung-window case: Care Expatriate from €58/month for the long-term residence permit, and Care Economy from €30/30 days for the short placeholder cover the landlord and bank ask for at move-in. Both are bookable from a foreign address. ### Long-term — Care Expatriate HanseMerkur incoming, ages 0–74, up to 5 years, accepted by the Ausländerbehörde for § 5 / § 21 AufenthG, certificate issued 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/) ### Short placeholder — Care Economy Schengen-conform incoming, 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/) ## 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 — Documents required in parallel during the German Anmeldung ## Frequently Asked Questions Which documents do expats need for Anmeldung in Germany? The Wohnungsgeberbestätigung (landlord confirmation, § 19 BMG), passport, and Meldeformular. The Bürgeramt does not require insurance proof — but the Ausländerbehörde asks for it in parallel (Care Expatriate from €58/month or Care Economy from €30/30 days). Do I need a German address before buying health insurance? Care Economy (from €30/30 days) and Care Visa Protect (from €0. No. 85/day) can be issued to a foreign address or hotel. Care Expatriate from €58/month accepts pre-Anmeldung applications with a temporary address — final policy update after § 17 BMG registration. Which documents does the Ausländerbehörde request alongside Anmeldung? Passport, visa/entry stamp, biometric photo, insurance certificate (Care Expatriate €58/month or DAK-Gesundheit), Wohnungsgeberbestätigung, and proof of income or contract (§ 5 AufenthG). All within the 14-day Anmeldung window (§ 17 BMG). What insurance does the German bank need to open an account? Most banks (N26, Deutsche Bank, DKB) don't require insurance directly, but need Anmeldung + tax ID. Once approved, the SEPA mandate for Care Expatriate (from €58/month) or DAK-Gesundheit debits is set up in 2–3 days. Is the Anmeldung deadline strict in Germany? Yes — § 17 BMG sets 14 days from moving in. Missing it triggers a fine up to €1,000 (§ 54 BMG). Care Economy from €30/30 days can bridge insurance during any delay until the Anmeldung is complete and DAK-Gesundheit or Care Expatriate becomes active. What documents do I need for Anmeldung in Germany as an expat? You need your passport, Wohnungsgeberbestätigung (landlord confirmation), and your visa. Health insurance proof is needed for the Ausländerbehörde. An [incoming insurance like Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (from 58 €/month) provides accepted proof with instant PDF. Can I register in Germany without health insurance? Yes, the Anmeldung itself usually doesn't require insurance proof. However, the Ausländerbehörde will require it for your residence permit. A [Care Economy policy](/en/insurance-plans/care-economy/overview/) (from 30 €/30 days) can serve as fast-track proof during the transition period. How long does it take to get health insurance in Germany? Private incoming insurance like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) gives you instant proof – PDF in about 7 minutes. For public insurance (GKV), the electronic health card takes 2–4 weeks, but you receive a provisional certificate immediately after enrollment. [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 9, 2026.