--- title: "From €58/mo · Expat Bridging Insurance Germany 2026" description: "Expat Relocation: When a Bridging Insurance Is Enough — and When Not: practical guidance for foreigners in Germany." 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": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": 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Relocation: When a Bridging Insurance Is Enough — and When Not: practical guidance for foreigners in Germany.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-08-27", "dateModified": "2026-08-30", "mainEntityOfPage": { "@type": "WebPage", "@id": 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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": "When is a bridging insurance enough for an expat relocating to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For stays under 90 days without a residence permit application — Care Visa Protect from €0.85/day (minimum €7.50) covers the Schengen visa. Beyond 90 days or for residence permits, you need Care Expatriate from €58/month under § 5 AufenthG." } }, { "@type": "Question", "name": "Can Care Economy bridge the first 30 days after arrival in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, for stays up to 24 months without a work contract. Care Economy costs €30/30 days (ages up to 64), from about €88.50/30 days (ages 65 and over). Accepted by the Ausländerbehörde for tourist and family-visit permits, but not for § 21 self-employment permits." } }, { "@type": "Question", "name": "When is bridging NOT enough — when do I need a full residence tariff?", "acceptedAnswer": { "@type": "Answer", "text": "As soon as you (1) sign an employment contract, (2) apply for a Blue Card / § 18b permit, or (3) plan to stay beyond 12 months. Then only Care Expatriate (from €58/month) or GKV (DAK-Gesundheit, 17.8%) qualify." } }, { "@type": "Question", "name": "Does the Ausländerbehörde accept international travel insurance for relocation?", "acceptedAnswer": { "@type": "Answer", "text": "No — travel policies are excluded under § 5 AufenthG once a residence permit is requested. Only Incoming tariffs (Care Expatriate, Care Economy) or GKV (DAK-Gesundheit) are accepted with a German-language certificate." } }, { "@type": "Question", "name": "How fast can I get insurance proof for the Ausländerbehörde appointment?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate issues a PDF certificate within minutes from €58/month (ages 13–40). Same day. The certificate covers § 5 AufenthG and is accepted by all 100+ German Ausländerbehörden." } }, { "@type": "Question", "name": "When does travel insurance stop being enough in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Travel insurance typically stops being accepted once you register a residence (Anmeldung) or apply for a residence permit. For stays over 90 days, Care Expatriate (from €58/month) provides proof accepted by immigration offices." } }, { "@type": "Question", "name": "What is the best transition insurance for expats moving to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For short stays, Care Economy (from €30/30 days) works well. For longer stays with a residence permit, Care Expatriate (from €58/month) provides instant proof accepted nationwide. See also: short vs. long stay insurance options." } }, { "@type": "Question", "name": "How do I switch from interim to full health insurance coverage in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Start the application for statutory or private health insurance (gesetzliche or private Krankenversicherung) at least 4 weeks before your interim policy expires. Bring both certificates to the immigration office to prove seamless coverage. Care Expatriate provides an instant PDF accepted for residence permits." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "When is a bridging insurance enough for an expat relocating to Germany?", "text": "When is a bridging insurance enough for an expat relocating to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For stays under 90 days without a residence permit application — Care Visa Protect from €0.85/day (minimum €7.50) covers the Schengen visa. Beyond 90 days or for residence permits, you need Care Expatriate from €58/month under § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can Care Economy bridge the first 30 days after arrival in Germany?", "text": "Can Care Economy bridge the first 30 days after arrival in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, for stays up to 24 months without a work contract. Care Economy costs €30/30 days (ages up to 64), from about €88.50/30 days (ages 65 and over). Accepted by the Ausländerbehörde for tourist and family-visit permits, but not for § 21 self-employment permits.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "When is bridging NOT enough — when do I need a full residence tariff?", "text": "When is bridging NOT enough — when do I need a full residence tariff?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "As soon as you (1) sign an employment contract, (2) apply for a Blue Card / § 18b permit, or (3) plan to stay beyond 12 months. Then only Care Expatriate (from €58/month) or GKV (DAK-Gesundheit, 17.8%) qualify.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the Ausländerbehörde accept international travel insurance for relocation?", "text": "Does the Ausländerbehörde accept international travel insurance for relocation?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — travel policies are excluded under § 5 AufenthG once a residence permit is requested. Only Incoming tariffs (Care Expatriate, Care Economy) or GKV (DAK-Gesundheit) are accepted with a German-language certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How fast can I get insurance proof for the Ausländerbehörde appointment?", "text": "How fast can I get insurance proof for the Ausländerbehörde appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate issues a PDF certificate within minutes from €58/month (ages 13–40). Same day. The certificate covers § 5 AufenthG and is accepted by all 100+ German Ausländerbehörden.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "When does travel insurance stop being enough in Germany?", "text": "When does travel insurance stop being enough in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Travel insurance typically stops being accepted once you register a residence (Anmeldung) or apply for a residence permit. For stays over 90 days, Care Expatriate (from €58/month) provides proof accepted by immigration offices.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the best transition insurance for expats moving to Germany?", "text": "What is the best transition insurance for expats moving to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For short stays, Care Economy (from €30/30 days) works well. For longer stays with a residence permit, Care Expatriate (from €58/month) provides instant proof accepted nationwide. See also: short vs. long stay insurance options.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do I switch from interim to full health insurance coverage in Germany?", "text": "How do I switch from interim to full health insurance coverage in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Start the application for statutory or private health insurance (gesetzliche or private Krankenversicherung) at least 4 weeks before your interim policy expires. Bring both certificates to the immigration office to prove seamless coverage. Care Expatriate provides an instant PDF accepted for residence permits.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-relocation-when-bridging-is-enough-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "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 — § 21 AufenthG accepted 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 Relocation to Germany: When Bridging Is Enough Travel-style insurance is the #1 reason expat residence-permit applications are rejected — bridging only works for short stays or employer-bound gaps # Expat Relocation to Germany: When a Transitional Solution Is Enough — and When Not 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Expat relocating to Germany — when a transitional bridging insurance (Care Economy) is enough vs. when long-term recognised cover (Care Expatriate, DAK-Gesundheit) is required for § 5 / § 21 AufenthG](/assets/aufenthaltserlaubnis-rentner-deutschland--SjhSpkd.jpg) - [Bridge (≤ 90 days / pre-employer): Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/) (Schengen-conform · instant DE/EN PDF · cancellable) - [Long-term standard: Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur · § 5 / § 21 AufenthG · up to 5 years) - [Employee start: DAK-Gesundheit ~17.8% of gross](/en/insurance-plans/dak-gesundheit-angestellte/overview/) (half paid by employer · family members free under Familienversicherung) Short bridge Economy €30/30d Long-term Expatriate €58/mo Employee lane DAK ~17.8% Three rules that decide whether a bridging insurance is actually enough for your relocation: 1. 1 **Bridging works only for short stays or a confirmed employer start:** Use [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) for ≤ 90 days, or as a 1–3 month gap-filler before the German employer enrols you in DAK-Gesundheit. 2. 2 **Anmeldung or residence permit normally triggers long-term cover:** § 5 / § 21 AufenthG requires the certificate to cover the full permit duration — travel-style cover is normally rejected. Use [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur, up to 5 years). 3. 3 **Switch at least 4 weeks before the bridge expires:** Start the long-term policy seamlessly the day after the bridge ends, and bring both certificates to the Ausländerbehörde — gaps trigger contribution back-payments and can pause the permit. Permit appointment soon? [30-second relocation tariff finder →](/en/tariffinder-germany/) Inside: the 6 relocation scenarios where bridging is rejected · why Care Economy is cancellable the day GKV starts — and what that saves you · the 4-week switching deadline that prevents permit-pausing gaps Sources: § 5 / § 21 / § 36 AufenthG (residence permit & cover precondition) · § 5 SGB V (statutory GKV via employment) · § 17 BMG (Anmeldung 14-day deadline) · HanseMerkur Care Expatriate / Care Economy AVB · DAK-Gesundheit 2026 · 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: **August 30, 2026** Sources§ 5 / § 21 / § 36 AufenthG · § 5 SGB V · § 17 BMG · 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 ## Permit appointment in the next weeks? Care Expatriate for the long term, Care Economy for the short bridge — both with instant DE/EN certificate. [Care Expatriate — § 21 AufenthG accepted from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy — short 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 - When a bridging insurance is enough: short visits up to 90 days without Anmeldung, and the 1–3 month gap before a confirmed German employer enrols you in DAK-Gesundheit. The recognised bridge product is Care Economy from €30/30 days — Schengen-conform, instant PDF in German + English, cancellable the day long-term cover starts. - When bridging is NOT enough: Anmeldung without an employer, residence-permit applications (§ 5 / § 21 AufenthG), Gewerbeanmeldung, and family reunification under § 36 AufenthG. The Ausländerbehörde normally requires recognised long-term cover for the full requested permit duration. The standard product is Care Expatriate (HanseMerkur) from €58/month (Basic, entry age 13–40) — locked at the start for up to 5 years and accepted nationwide. - Cost frame: Care Economy from €30/30 days (bridge, max 24 months); Care Expatriate from €58/month at entry age 13–40 (Basic) — entry age 41–60 from €68/month, 61–74 from €246/month — locked for up to 5 years; DAK-Gesundheit at ~17.8% of gross (employee lane, half paid by the employer, family members covered free under Familienversicherung). 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 August 30, 2026 - **§ 5 / § 21 AufenthG: certificate must cover the full requested permit duration:** If the requested permit is 24 months and the policy only covers 12, the case is paused. Care Expatriate (HanseMerkur) from €58/month (Basic, entry age 13–40) is locked at the start for up to 60 months and accepted nationwide. (Source: § 5 / § 21 AufenthG · HanseMerkur AVB 2026). - **Statutory GKV opens through employment, not Anmeldung alone:** § 5 SGB V triggers DAK-Gesundheit (~17.8% of gross, half paid by the employer) on the first day of an employee contract. Without a confirmed employer, recognised private incoming cover is normally required. (Source: § 5 SGB V · DAK-Gesundheit 2026). - **§ 17 BMG sets a 14-day legal deadline for Anmeldung at the Bürgeramt:** After Anmeldung, most Ausländerbehörden expect recognised long-term cover for the residence permit. A travel-style bridge is normally only accepted for the gap before a confirmed employer or long-term tariff starts. (Source: § 17 BMG). - **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 relocation — Care Economy bridge, Care Expatriate long-term, or DAK on employer start — recognised cover prevents this cost completely from day 1. (Source: Statistisches Bundesamt DRG 2024). ## 6 relocation scenarios — when a bridging insurance is enough, and when only a recognised long-term tariff works **Quick answer:** "When is a transitional / bridging insurance actually enough for relocating to Germany?" — these six scenarios cover the cases the Ausländerbehörde, Bürgeramt and Krankenversicherung see most often. The split is binary: a short stay or confirmed employer start = Care Economy bridge; everything else = Care Expatriate long-term, or DAK-Gesundheit on day-one of an employee contract. 1 ### Short visit up to 90 days (no Anmeldung yet) A travel-style incoming tariff is normally enough. Care Economy from €30/30 days is Schengen-conform, accepted for short stays and cancellable the day you switch to a long-term lane. [Care Economy from €30/30 days →](/en/insurance-plans/care-economy/overview/) 2 ### Employer start in 1–3 months — bridge only Care Economy works as a clean bridge until the German employer enrols you in DAK-Gesundheit (statutory, ~17.8% of gross, half paid by the employer). Cancel the bridge the day GKV starts — no overlap fee. [Care Economy — bridge to GKV →](/en/insurance-plans/care-economy/overview/) 3 ### Anmeldung registered, no employer in sight The Ausländerbehörde normally requires recognised long-term cover before granting the residence permit. A travel/incoming tariff is rarely accepted as a permanent solution. Care Expatriate from €58/month (Basic, entry age 13–40) is locked at the start for up to 5 years. [Care Expatriate from €58/month →](/en/insurance-plans/care-expatriate/overview/) 4 ### Residence permit application (stay > 90 days) For § 5 / § 21 AufenthG the certificate must cover the full requested permit duration. Care Expatriate runs up to 60 months and is accepted nationwide; Care Economy alone (max 24 months and rarely accepted long-term) is normally rejected at this stage. [Care Expatriate · § 5 / § 21 AufenthG →](/en/insurance-plans/care-expatriate/overview/) 5 ### Self-employed with Gewerbeanmeldung From the day of Gewerbeanmeldung continuous cover is mandatory. A bridging tariff is not accepted as a permanent solution — Care Expatriate is the recognised long-term incoming product for § 21 AufenthG. [Care Expatriate (long-term · § 21) →](/en/insurance-plans/care-expatriate/overview/) 6 ### Family reunification with spouse / children (§ 36 AufenthG) Each family member needs continuous recognised cover too. Pure travel insurance is rejected. Book Care Expatriate (per person) before joint entry — otherwise the family permit is delayed. [Care Expatriate (per family member) →](/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 a bridging insurance is wrongly used as a permanent solution ## 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. ## Bridge expires soon? Lock long-term recognised cover at least 4 weeks before — gaps trigger back-payments and can pause the permit ## 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 bridging to recognised long-term 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 every Ausländerbehörde. The same certificate covers the parallel Anmeldung and family-permit steps. ## 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 relocating expats say about Care Expatriate for § 5 / § 21 AufenthG residence permits 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 lanes for a relocation to Germany ✅ § 5 / § 21 AufenthG · long-term standard ### 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 🛬 Bridge · short stays · pre-employer ### 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 💼 Employee start · ~17.8% of gross ### 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 Need the residence-permit explainer? [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/). Need the moving-in checklist? [Moving-to-Germany checklist](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-moving-to-germany-when-health-insurance-cover-must-exist-checklist-germany/). Compare every expat lane in the [foreigners hub](/en/guide-health-insurance-germany/health-insurance-expats-germany/). ## Full price tables — Care Expatriate · Care Economy · DAK-Gesundheit **Quick answer:** Three recognised products cover every relocation scenario: Care Expatriate from €58/month for the long-term residence permit, Care Economy from €30/30 days for the short bridge before a confirmed employer or long-term tariff, and DAK-Gesundheit at ~17.8% of gross on the first day of an employee contract (family members free under Familienversicherung). ### § 5 / § 21 AufenthG 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/) ### Bridge — Care Economy Schengen-conform incoming, ages 0–74, 1 day to 2 years, cancellable the day long-term cover or DAK 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/) ### Employee start — DAK-Gesundheit ~17.8% of gross income, half paid by the employer, family members covered free under Familienversicherung (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/) ## FAQ — Bridging vs. long-term cover for relocating expats ## Frequently Asked Questions When is a bridging insurance enough for an expat relocating to Germany? For stays under 90 days without a residence permit application — Care Visa Protect from €0.85/day (minimum €7.50) covers the Schengen visa. Beyond 90 days or for residence permits, you need Care Expatriate from €58/month under § 5 AufenthG. Can Care Economy bridge the first 30 days after arrival in Germany? Yes, for stays up to 24 months without a work contract. Care Economy costs €30/30 days (ages up to 64), from about €88.50/30 days (ages 65 and over). Accepted by the Ausländerbehörde for tourist and family-visit permits, but not for § 21 self-employment permits. When is bridging NOT enough — when do I need a full residence tariff? As soon as you (1) sign an employment contract, (2) apply for a Blue Card / § 18b permit, or (3) plan to stay beyond 12 months. Then only Care Expatriate (from €58/month) or GKV (DAK-Gesundheit, 17.8%) qualify. Does the Ausländerbehörde accept international travel insurance for relocation? No — travel policies are excluded under § 5 AufenthG once a residence permit is requested. Only Incoming tariffs (Care Expatriate, Care Economy) or GKV (DAK-Gesundheit) are accepted with a German-language certificate. How fast can I get insurance proof for the Ausländerbehörde appointment? Care Expatriate issues a PDF certificate within minutes from €58/month (ages 13–40). Same day. The certificate covers § 5 AufenthG and is accepted by all 100+ German Ausländerbehörden. When does travel insurance stop being enough in Germany? Travel insurance typically stops being accepted once you register a residence (Anmeldung) or apply for a residence permit. For stays over 90 days, [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (from €58/month) provides proof accepted by immigration offices. What is the best transition insurance for expats moving to Germany? For short stays, [Care Economy](/en/insurance-plans/care-economy/overview/) (from €30/30 days) works well. For longer stays with a residence permit, [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (from €58/month) provides instant proof accepted nationwide. See also: [short vs. long stay insurance options](/ratgeber-krankenversicherung-deutschland/krankenversicherung-expats/krankenversicherung-und-aufenthaltsdauer-wie-wirkt-sich-kurz-versus-lang-typischerweise-aus-deutschland/). How do I switch from interim to full health insurance coverage in Germany? Start the application for statutory or private health insurance (gesetzliche or private Krankenversicherung) at least 4 weeks before your interim policy expires. Bring both certificates to the immigration office to prove seamless coverage. [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) provides an instant PDF accepted for residence permits. [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: August 30, 2026.