--- title: "From €58/mo · Expat Job-Search Insurance · Germany 2026" description: "Expat Without Employer: How to Stay Insured in Germany During Job Search: 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": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Expat Without an Employer: How to Stay Insured in Germany During the Job Search", "description": "Expat Without Employer: How to Stay Insured in Germany During Job Search: 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": "2026-09-05", "dateModified": "2026-08-29", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-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": "Expat Without Employer — Staying Insured in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-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": "How do I stay insured in Germany during a job search as an expat?", "acceptedAnswer": { "@type": "Answer", "text": "With the Chancenkarte (§ 20a AufenthG, up to 12 months) or job-seeker visa (§ 20 AufenthG, 6 months), you need private cover — Care Expatriate from €58/month (ages 13–40). GKV is not available without an employment contract." } }, { "@type": "Question", "name": "Can Care Expatriate cover the entire Chancenkarte period?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate runs 1–60 months and is cancellable monthly once you sign a work contract and switch to DAK-Gesundheit (17. Yes. 8% of gross, split 50/50). From €58/month for young expats." } }, { "@type": "Question", "name": "What happens to my insurance when I sign a work contract?", "acceptedAnswer": { "@type": "Answer", "text": "GKV becomes mandatory under § 5 SGB V if your gross salary is below €77,400/year (JVEG 2026). Care Expatriate cancels monthly with proof of DAK-Gesundheit enrolment. Above the threshold, you can stay private." } }, { "@type": "Question", "name": "Does the Ausländerbehörde accept travel insurance during a job search?", "acceptedAnswer": { "@type": "Answer", "text": "No — § 5 AufenthG requires a full Incoming or statutory tariff for stays over 90 days. Care Expatriate from €58/month or Care Economy from €30/30 days are accepted; ADAC or Allianz Travel are not." } }, { "@type": "Question", "name": "Can I keep DAK Familienversicherung if my spouse works while I job-search?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — spouse's DAK membership covers you free under § 10 SGB V as long as your monthly income stays under €556 (2026 mini-job threshold). Also covers children under 25. No separate contract needed while covered." } }, { "@type": "Question", "name": "What health insurance options do I have in Germany without an employer?", "acceptedAnswer": { "@type": "Answer", "text": "You can continue voluntarily in the statutory health insurance (from approx. €210/month), receive coverage through unemployment benefits (ALG I), or use a private transition solution like Care Expatriate from €58/month – accepted for residence permits." } }, { "@type": "Question", "name": "How much does health insurance cost during a job search in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Voluntary statutory insurance costs at least approx. €210/month without income. Care Expatriate starts at €58/month and is recognized by immigration authorities for up to 5 years." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do I stay insured in Germany during a job search as an expat?", "text": "How do I stay insured in Germany during a job search as an expat?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "With the Chancenkarte (§ 20a AufenthG, up to 12 months) or job-seeker visa (§ 20 AufenthG, 6 months), you need private cover — Care Expatriate from €58/month (ages 13–40). GKV is not available without an employment contract.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can Care Expatriate cover the entire Chancenkarte period?", "text": "Can Care Expatriate cover the entire Chancenkarte period?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate runs 1–60 months and is cancellable monthly once you sign a work contract and switch to DAK-Gesundheit (17. Yes. 8% of gross, split 50/50). From €58/month for young expats.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to my insurance when I sign a work contract?", "text": "What happens to my insurance when I sign a work contract?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "GKV becomes mandatory under § 5 SGB V if your gross salary is below €77,400/year (JVEG 2026). Care Expatriate cancels monthly with proof of DAK-Gesundheit enrolment. Above the threshold, you can stay private.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the Ausländerbehörde accept travel insurance during a job search?", "text": "Does the Ausländerbehörde accept travel insurance during a job search?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — § 5 AufenthG requires a full Incoming or statutory tariff for stays over 90 days. Care Expatriate from €58/month or Care Economy from €30/30 days are accepted; ADAC or Allianz Travel are not.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I keep DAK Familienversicherung if my spouse works while I job-search?", "text": "Can I keep DAK Familienversicherung if my spouse works while I job-search?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — spouse's DAK membership covers you free under § 10 SGB V as long as your monthly income stays under €556 (2026 mini-job threshold). Also covers children under 25. No separate contract needed while covered.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance options do I have in Germany without an employer?", "text": "What health insurance options do I have in Germany without an employer?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "You can continue voluntarily in the statutory health insurance (from approx. €210/month), receive coverage through unemployment benefits (ALG I), or use a private transition solution like Care Expatriate from €58/month – accepted for residence permits.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance cost during a job search in Germany?", "text": "How much does health insurance cost during a job search in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Voluntary statutory insurance costs at least approx. €210/month without income. Care Expatriate starts at €58/month and is recognized by immigration authorities for up to 5 years.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "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 — bridge any job-search gap 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 Without Employer — Staying Insured in Germany No employer = no automatic GKV — and § 9 SGB V voluntary continuation has a strict 3-month application deadline. Miss it and the only lane left is private incoming # Expat Without an Employer: How to Stay Insured in Germany During the Job Search 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Expat without an employer in Germany — staying insured during the job search via § 9 SGB V continuation, Care Expatriate or Care Economy](/assets/aufenthaltstitel-arbeitnehmer-deutschland-nfQGfDeI.jpg) - [Was in GKV before? freiwillige GKV continuation from ~€220/month](/en/insurance-plans/dak-gesundheit-angestellte/overview/) (§ 9 SGB V · apply within 3 months · spouse/children stay free) - [§ 16f Job-search permit or never in GKV: Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur · up to 5 years · cancellable monthly) - [Short gap between two contracts: Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/) (Schengen-conform · cancellable when new lane starts) GKV continuation § 9 SGB V · 3 mo § 16f Job-search Expatriate €58/mo Short gap Economy €30/30d Three rules that prevent every coverage gap during the job search : 1. 1 **Map the lane to your situation:** Was in GKV before → [DAK § 9 SGB V continuation](/en/insurance-plans/dak-gesundheit-angestellte/overview/) · § 16f Job-search permit or never in GKV → [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/). 2. 2 **Mind the 3-month deadline:** Voluntary GKV continuation under § 9 SGB V must be requested within 3 months of the old employment end — strict, no extension. Miss it and the only lane left is private incoming. 3. 3 **Bridge short gaps:** [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) Schengen-conform covers 1–8 weeks between two German contracts — cancellable monthly when the new lane starts. Searching now? [30-second job-search tariff finder →](/en/tariffinder-germany/) Inside: the one § 9 SGB V form that costs nothing but expires in 90 days · why the § 16f permit hides an 18-month liability without recognised cover · the bridge tariff that protects against a single ~€830 inpatient day Sources: § 5 Abs. 1 Nr. 1 SGB V (statutory employees) · § 9 SGB V (voluntary continuation) · § 10 SGB V (Familienversicherung) · § 28a SGB IV (HR registration deadline) · § 16f / § 18a / § 21 AufenthG (permit categories) · DAK-Gesundheit tariff sheet 2026 · 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: **August 29, 2026** Sources§ 5 / § 9 / § 10 SGB V · § 28a SGB IV · § 16f / § 18a / § 21 AufenthG · DAK-Gesundheit 2026 · 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 ## Job search in Germany without an employer? Lock in the right lane today — DAK § 9 SGB V continuation if you were in GKV (apply within 3 months), Care Expatriate from €58/month for the § 16f Job-search permit, Care Economy from €30/30 days as the short bridge. [Care Expatriate — bridge any job-search gap from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy — short-gap 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 - Job search in Germany without an employer — how to stay insured: three recognised lanes. (1) freiwillige GKV continuation under § 9 SGB V — only if you were statutorily insured in GKV before (apply within 3 months of the employment end), minimum ~€220/month (2025). (2) Care Expatriate from €58/month (HanseMerkur, recognised by the Ausländerbehörde for up to 5 years) — for § 16f Job-search permit holders or expats who never had GKV. (3) Care Economy from €30/30 days (Schengen-conform) — for short bridges of 1–8 weeks between two German employers. - Three rules that prevent every typical lane gap during the job search: (1) Apply for freiwillige GKV continuation within 3 months of the old employment end — § 9 SGB V is strict, no extension. (2) On a § 16f Job-search permit, Care Expatriate from €58/month is the recognised long-term proof for the Ausländerbehörde — locked at the entry-age premium for up to 60 months. (3) Never cancel the job-search lane before the new DAK Mitgliedsbescheinigung is issued — that creates a coverage gap that voids the residence-permit proof. - Cost frame: Care Expatriate from €58/month at entry age 13–40 (locked for up to 60 months), 41–60 from €68/month, 61–74 from €246/month (HanseMerkur AVB 2026). freiwillige GKV continuation under § 9 SGB V from ~€220/month (2025, minimum assumed income, including Pflegeversicherung). Care Economy from €30/30 days bridges short gaps Schengen-conform. A single uninsured inpatient day in Germany averages ~€830 (DeStatis DRG 2024). Key facts at a glance Reviewed August 29, 2026 - **§ 9 SGB V: 3-month deadline for voluntary GKV continuation:** If you were statutorily insured in GKV (e.g. DAK Angestellte) before the job ended, you can continue voluntarily — but the application must reach the Krankenkasse within 3 months. Premium starts at the minimum income basis (~€220/month in 2025, including Pflegeversicherung), capped by the Beitragsbemessungsgrenze. (Source: § 9 SGB V). - **§ 16f Job-search permit: 18 months without GKV access:** The German job-search permit under § 16f AufenthG is granted for up to 18 months without giving access to GKV. The Ausländerbehörde requires recognised long-term cover for the entire permit duration — Care Expatriate from €58/month is the standard accepted incoming product. (Source: § 16f AufenthG). - **Care Expatriate locks the entry-age premium for up to 60 months:** HanseMerkur Care Expatriate from €58/month (entry age 13–40). Entry-age brackets — 41–60 from €68/month, 61–74 from €246/month — are locked at the start and do not increase with age during the 60-month term. Cancellable monthly once a new GKV-eligible contract starts. (Source: HanseMerkur Care Expatriate AVB 2026). - **Average uninsured inpatient day in Germany: ~€830:** Statistisches Bundesamt DRG data shows an average inpatient day rate of around €830 (basic ward). Whichever lane fits — § 9 SGB V continuation, Care Expatriate for § 16f, or Care Economy as the short bridge — recognised cover prevents this cost completely from day 1. (Source: Statistisches Bundesamt DRG 2024). ## 6 typical job-search scenarios — and the recognised insurance lane for each **Quick answer:** "I'm an expat in Germany without an employer right now — how do I stay insured?" — these six scenarios cover the most common job-search situations: ex-DAK members, § 16f permit holders, gaps between two contracts, expats who never had GKV, family insurance during continuation, and the cancel rule when the new contract starts. 1 ### Last day of old DAK / GKV employment freiwillige GKV continuation (§ 9 SGB V) If you were statutorily insured in GKV (e.g. DAK Angestellte) before, you can continue voluntarily under § 9 SGB V. Apply within 3 months of the employment end. Premium: minimum ~€220/month (2025), based on assumed income — capped by the Beitragsbemessungsgrenze. [DAK Angestellte ~17.8% of gross (continuation lane) →](/en/insurance-plans/dak-gesundheit-angestellte/overview/) 2 ### § 16f Job-search permit (18 months) Care Expatriate from €58/month The 18-month job-search permit is a private-side permit with no automatic GKV access. Care Expatriate from €58/month (HanseMerkur) is recognised by the Ausländerbehörde for the entire 18 months and is cancellable monthly the day a new GKV-eligible contract starts. [Care Expatriate from €58/month →](/en/insurance-plans/care-expatriate/overview/) 3 ### Gap between two employers (1–8 weeks) Care Economy from €30/30 days Short bridge: Care Economy from €30/30 days (Schengen-conform, entry until the 75th birthday) covers the days between the old contract ending and the new one starting. Cancellable monthly — no minimum-term penalty. [Care Economy from €30/30 days →](/en/insurance-plans/care-economy/overview/) 4 ### Expat never in GKV (came on § 21 / § 16f / § 18c) Care Expatriate from €58/month (long-term) If you never had GKV in Germany (typical for self-employed expats, EU Blue Card holders over JAEG, or Job-Seekers), Care Expatriate is the recognised long-term lane during the job search — locked at the entry-age premium for up to 60 months. [Care Expatriate from €58/month →](/en/insurance-plans/care-expatriate/overview/) 5 ### Family on the old DAK Familienversicherung Family stays free under § 10 SGB V (during continuation) If you continue voluntarily under § 9 SGB V, spouse and children stay free in Familienversicherung (§ 10 SGB V). If you switch to Care Expatriate, each family member needs a separate contract — typically from €58/month per adult. [Care Expatriate (per family member) →](/en/insurance-plans/care-expatriate/overview/) 6 ### New job offer signed Cancel job-search lane only with new Mitgliedsbescheinigung Care Expatriate cancels monthly the day the new DAK Mitgliedsbescheinigung is issued. Voluntary GKV continuation cancels with the new employer's contract registration. Never cancel before — that creates a coverage gap that voids the residence-permit proof. [DAK Angestellte ~17.8% of gross (new contract) →](/en/insurance-plans/dak-gesundheit-angestellte/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 going uninsured during the job search can cost ## 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. ## Old contract ended? Decide the lane this week — § 9 SGB V continuation expires after 3 months, and the Ausländerbehörde checks cover on every renewal ## 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 job-end to recognised lane — in 3 steps 10 minutes online for Care Expatriate (long-term, § 16f Job-search) or Care Economy (short bridge), the policy document is issued by email in German + English and is accepted by every Ausländerbehörde for the residence-permit renewal. For § 9 SGB V continuation, request the form directly from your old Krankenkasse (DAK) within 3 months. ## 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 during the German job search 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## The 3 recognised products for the German job-search gap ✅ § 16f Job-search lane ### 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 💼 § 9 SGB V continuation ### 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 🛬 Short-gap bridge ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 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/). Coming from a student visa? [Student → first job](/en/guide-health-insurance-germany/health-insurance-expats-germany/transition-from-student-to-expat-job-typical-health-insurance-steps-germany/). New contract day 1? [HR insurance-proof checklist](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-job-start-what-hr-and-employer-require-as-insurance-proof-germany/). Self-employed vs employed? [Lane comparison](/en/guide-health-insurance-germany/health-insurance-expats-germany/self-employed-or-angestellt-expat-what-changes-self-typically-health-insurance-germany/). Switching residence permits? [Transition matrix](/en/guide-health-insurance-germany/health-insurance-expats-germany/change-residence-permit-expat-health-insurance-what-to-watch-out-for-germany/). Compare every expat lane in the [foreigners hub](/en/guide-health-insurance-germany/health-insurance-expats-germany/). ## Full price tables — Care Expatriate · DAK-Gesundheit · Care Economy **Quick answer:** Three recognised products cover every job-search scenario: Care Expatriate from €58/month for the § 16f permit (entry- age premium locked for up to 60 months), DAK voluntary continuation under § 9 SGB V from ~€220/month (only with prior GKV membership, 3-month deadline), and Care Economy from €30/30 days as the short bridge between two German contracts. ### § 16f Job-search permit — Care Expatriate HanseMerkur incoming, ages 0–74, up to 5 years, accepted by every Ausländerbehörde for the 18-month § 16f Job- search permit, certificate issued in German + English (3 tiers — Basic / Comfort / Premium): Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ### § 9 SGB V voluntary continuation — DAK-Gesundheit For ex-employees with prior GKV membership, the Krankenkasse continues the membership voluntarily under § 9 SGB V — premium based on assumed income, capped by the Beitragsbemessungsgrenze. Once the new job starts, the regular ~17.8% of gross applies (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/) ### Short-gap bridge — Care Economy Schengen-conform incoming, ages 0–74, 1 day to 2 years, cancellable the day the new lane (DAK or Care Expatriate) is in place: 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/) ## FAQ — Health insurance for expats during the German job search ## Frequently Asked Questions How do I stay insured in Germany during a job search as an expat? With the Chancenkarte (§ 20a AufenthG, up to 12 months) or job-seeker visa (§ 20 AufenthG, 6 months), you need private cover — Care Expatriate from €58/month (ages 13–40). GKV is not available without an employment contract. Can Care Expatriate cover the entire Chancenkarte period? Care Expatriate runs 1–60 months and is cancellable monthly once you sign a work contract and switch to DAK-Gesundheit (17. Yes. 8% of gross, split 50/50). From €58/month for young expats. What happens to my insurance when I sign a work contract? GKV becomes mandatory under § 5 SGB V if your gross salary is below €77,400/year (JVEG 2026). Care Expatriate cancels monthly with proof of DAK-Gesundheit enrolment. Above the threshold, you can stay private. Does the Ausländerbehörde accept travel insurance during a job search? No — § 5 AufenthG requires a full Incoming or statutory tariff for stays over 90 days. Care Expatriate from €58/month or Care Economy from €30/30 days are accepted; ADAC or Allianz Travel are not. Can I keep DAK Familienversicherung if my spouse works while I job-search? Yes — spouse's DAK membership covers you free under § 10 SGB V as long as your monthly income stays under €556 (2026 mini-job threshold). Also covers children under 25. No separate contract needed while covered. What health insurance options do I have in Germany without an employer? You can continue voluntarily in the statutory health insurance (from approx. €210/month), receive coverage through unemployment benefits (ALG I), or use a private transition solution like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) from €58/month – accepted for residence permits. How much does health insurance cost during a job search in Germany? Voluntary statutory insurance costs at least approx. €210/month without income. [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) starts at €58/month and is recognized by immigration authorities for up to 5 years. [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 29, 2026.