--- title: "From €58/mo – pregnancy health insurance for expats in Germany 2026" description: "Pregnancy in Germany as an expat: which insurance covers prenatal care and the birth, the 8-month waiting period in incoming policies, typical doctor and clinic costs — Care Expatriate from €58/month, DAK-Gesundheit ~17.8% of gross." 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 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"@context": "https://schema.org", "@type": "Article", "headline": "Pregnancy in Germany as an expat — health insurance, proofs, costs and doctor", "description": "Pregnancy in Germany as an expat: which insurance covers prenatal care and the birth, the 8-month waiting period in incoming policies, typical doctor and clinic costs — Care Expatriate from €58/month, DAK-Gesundheit ~17.8% of gross.", "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": "2026-09-01", "dateModified": "2026-08-25", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-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": "Pregnancy & Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-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": "Does Care Expatriate cover pregnancy for expats in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, after an 8-month waiting period from contract start — Care Expatriate includes prenatal check-ups, delivery and postnatal cover from €58/month (ages 13–40). Pre-existing pregnancy at sign-up is excluded." } }, { "@type": "Question", "name": "Which insurance covers pregnancy immediately for expats?", "acceptedAnswer": { "@type": "Answer", "text": "Only GKV — DAK-Gesundheit covers pregnancy from day one of membership (no waiting period) under § 24c SGB V. Contribution: 17.8% of gross, split 50/50. Family Insurance (§ 10 SGB V) also covers pregnant spouses free." } }, { "@type": "Question", "name": "How much does a delivery cost without insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "A normal delivery costs €3,000–5,000; a C-section €6,000–10,000 at a public hospital. Prenatal check-ups add €800–1,200 over 9 months. Care Expatriate reimburses 100% of these after the 8-month waiting period." } }, { "@type": "Question", "name": "Which doctor confirms pregnancy for expat insurance claims?", "acceptedAnswer": { "@type": "Answer", "text": "The Mutterpass (pregnancy passport) is issued at week 8–12 and required for both GKV and Care Expatriate claims. Any registered Frauenarzt (gynaecologist) in Germany. Care Expatriate reimburses within 14 days from €58/month upwards." } }, { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Expatriate as pregnancy insurance proof?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, under § 5 AufenthG — as long as the contract started before conception and includes the 8-month waiting period. Care Expatriate PDF from €58/month lists pregnancy cover explicitly. Travel policies are rejected for pregnant expats." } }, { "@type": "Question", "name": "Does health insurance cover pregnancy for expats in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Public health insurance (GKV) covers prenatal care, delivery and postnatal care fully – with no waiting period. Private incoming insurance like Care Expatriate (from €58/month) may cover pregnancy depending on the plan – check the specific terms before signing up." } }, { "@type": "Question", "name": "Is there a waiting period for maternity coverage in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "It depends on the insurance type. GKV (public insurance) has zero waiting period – pregnancy is covered from day one. Care Economy has an 8-month waiting period for maternity benefits. Care Visa Protect covers pregnancy that begins after the policy start date. Plan ahead and start your policy early." } }, { "@type": "Question", "name": "How much does giving birth without insurance cost in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "A natural birth costs around €2,000–4,000, a C-section €5,000–15,000. Add prenatal checkups (€30–80 each), midwife and postnatal care – total easily exceeds €10,000. Care Expatriate from €58/month can provide coverage during this period." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does Care Expatriate cover pregnancy for expats in Germany?", "text": "Does Care Expatriate cover pregnancy for expats in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, after an 8-month waiting period from contract start — Care Expatriate includes prenatal check-ups, delivery and postnatal cover from €58/month (ages 13–40). Pre-existing pregnancy at sign-up is excluded.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance covers pregnancy immediately for expats?", "text": "Which insurance covers pregnancy immediately for expats?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only GKV — DAK-Gesundheit covers pregnancy from day one of membership (no waiting period) under § 24c SGB V. Contribution: 17.8% of gross, split 50/50. Family Insurance (§ 10 SGB V) also covers pregnant spouses free.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does a delivery cost without insurance in Germany?", "text": "How much does a delivery cost without insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A normal delivery costs €3,000–5,000; a C-section €6,000–10,000 at a public hospital. Prenatal check-ups add €800–1,200 over 9 months. Care Expatriate reimburses 100% of these after the 8-month waiting period.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which doctor confirms pregnancy for expat insurance claims?", "text": "Which doctor confirms pregnancy for expat insurance claims?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The Mutterpass (pregnancy passport) is issued at week 8–12 and required for both GKV and Care Expatriate claims. Any registered Frauenarzt (gynaecologist) in Germany. Care Expatriate reimburses within 14 days from €58/month upwards.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Expatriate as pregnancy insurance proof?", "text": "Does the Ausländerbehörde accept Care Expatriate as pregnancy insurance proof?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, under § 5 AufenthG — as long as the contract started before conception and includes the 8-month waiting period. Care Expatriate PDF from €58/month lists pregnancy cover explicitly. Travel policies are rejected for pregnant expats.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does health insurance cover pregnancy for expats in Germany?", "text": "Does health insurance cover pregnancy for expats in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Public health insurance (GKV) covers prenatal care, delivery and postnatal care fully – with no waiting period. Private incoming insurance like Care Expatriate (from €58/month) may cover pregnancy depending on the plan – check the specific terms before signing up.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is there a waiting period for maternity coverage in Germany?", "text": "Is there a waiting period for maternity coverage in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "It depends on the insurance type. GKV (public insurance) has zero waiting period – pregnancy is covered from day one. Care Economy has an 8-month waiting period for maternity benefits. Care Visa Protect covers pregnancy that begins after the policy start date. Plan ahead and start your policy early.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does giving birth without insurance cost in Germany?", "text": "How much does giving birth without insurance cost in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A natural birth costs around €2,000–4,000, a C-section €5,000–15,000. Add prenatal checkups (€30–80 each), midwife and postnatal care – total easily exceeds €10,000. Care Expatriate from €58/month can provide coverage during this period.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-25", "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 — pregnancy covered after 8-month waiting period 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. Pregnancy & Health Insurance in Germany Care Visa Protect and Care Economy do NOT cover pregnancy in Germany — only acute, life-threatening complications. The two recognised pregnancy lanes are Care Expatriate (8-month waiting period) and DAK-Gesundheit (statutory, day 1). # Pregnancy in Germany as an expat — health insurance, proofs, costs and doctor 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Pregnant expat woman at a German doctor's office with an ultrasound monitor in the background — Care Expatriate from €58/month covers pregnancy after an 8-month waiting period, DAK-Gesundheit covers pregnancy from day 1 of the employee contract](/assets/schwangerschaft-expat-krankenversicherung-deutschland-DrVn9OC4.jpg) - [Long-term lane: Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur · 8-month waiting period · Comfort/Premium for planned birth) - Statutory lane: DAK-Gesundheit ~17.8% of gross (employer pays half · pregnancy covered from day 1 · no waiting period) - Excluded: Care Visa Protect & Care Economy (only acute, life-threatening complications — never the pregnancy lane) Care Expatriate €58/mo · 8-mo wait DAK-Gesundheit ~17.8% · day 1 Visa Protect / Economy Pregnancy excluded Three rules that decide which insurance actually covers prenatal care, the Hebamme and the birth for an expat in Germany: 1. 1 **Pregnancy must start AFTER the policy starts:** Every incoming policy excludes a pregnancy that already exists at application. For self-employed expats and § 21 AufenthG holders, the cheapest path is to start [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) well before conception, so the 8-month waiting period is over by the time pregnancy begins. 2. 2 **DAK-Gesundheit covers pregnancy from day 1:** Once the employee contract starts, statutory cover (~17.8% of gross, employer pays half) covers prenatal, midwife, ultrasounds, birth and postnatal — no waiting period. The newborn is added free of charge under § 10 SGB V family insurance. 3. 3 **Care Visa Protect / Care Economy are NOT a pregnancy lane:** Both products explicitly exclude pregnancy and planned birth — only acute, life-threatening complications would be reimbursed. They are valid as bridge / Schengen cover for non-pregnancy use cases only. Family planning starting in the next 12 months? [30-second pregnancy lane finder →](/en/tariffinder-germany/) Inside: why a pregnancy known at application is excluded by every incoming policy · the difference between Comfort and Premium for planned birth in Care Expatriate · how the newborn is added to DAK family insurance for free under § 10 SGB V Sources: HanseMerkur Care Expatriate AVB (8-month waiting period for pregnancy) · HanseMerkur Care Economy / Care Visa Protect AVB (pregnancy excluded) · § 5 / § 21 AufenthG (residence permit & cover precondition) · § 5 SGB V (statutory GKV via employment) · § 10 SGB V (free family insurance for newborns) · DAK-Gesundheit 2026 contribution rate · 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 25, 2026** SourcesHanseMerkur Care Expatriate AVB · § 5 / § 21 AufenthG · § 5 SGB V · § 10 SGB V · DAK-Gesundheit 2026 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Pregnancy lane in Germany: Care Expatriate is the recognised long-term cover (8-month waiting period, must start before conception). DAK-Gesundheit covers pregnancy from day 1 of the employee contract — no waiting period. Care Visa Protect and Care Economy do not cover pregnancy. [Care Expatriate — pregnancy covered (Comfort/Premium) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[DAK-Gesundheit — pregnancy covered from day 1 (employees) ~17.8% of gross · employer pays half ](/en/insurance-plans/dak-gesundheit-angestellte/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 - Two recognised lanes for pregnant expats in Germany — and two that DO NOT apply: Care Expatriate (HanseMerkur incoming) covers prenatal care, midwife, ultrasounds and the birth AFTER an 8-month waiting period (knowledge-base.md), only if the pregnancy starts AFTER the policy start date — from €58/month at entry age 13–40 (Basic), Comfort/Premium tier needed for planned birth. DAK-Gesundheit (statutory GKV, ~17.8% of gross, employer pays half) covers pregnancy fully from day 1 of the employee contract with no waiting period. - Care Visa Protect and Care Economy do NOT cover pregnancy or planned birth — only acute, life-threatening complications. A pregnancy known at the moment of application is excluded from every incoming policy. The cheapest planning path for self-employed expats and § 21 AufenthG holders is to start Care Expatriate well before conception, so the 8-month waiting period is over by the time pregnancy begins. - Typical out-of-pocket costs in Germany for an uninsured pregnancy (Statistisches Bundesamt DRG / KBV reference): prenatal package ~€500–€1,200, ultrasounds ~€40–€150 each, midwife from ~€500, vaginal birth in hospital ~€2,500–€4,000, C-section ~€4,000–€7,000, complications can quickly reach 5-figure sums. The recognised lane prevents this risk and the certificate is recognised by the Ausländerbehörde under § 5 / § 21 AufenthG. Key facts at a glance Reviewed August 25, 2026 - **Care Expatriate AVB — pregnancy covered after 8-month waiting period:** All three tiers cover pregnancy complications; Comfort and Premium also cover the planned birth itself. Pregnancy must start after the policy start date — a known pregnancy at application is excluded. Starting Care Expatriate well before family planning is the cheapest planning path. (Source: HanseMerkur Care Expatriate AVB 2026). - **Care Visa Protect / Care Economy — pregnancy explicitly excluded:** Both products only reimburse acute, life-threatening complications. Routine prenatal care, the Hebamme and the birth itself are not covered. They are valid as Schengen bridge or short-term incoming cover for non-pregnancy use cases. (Source: HanseMerkur AVB 2026). - **DAK-Gesundheit (~17.8% of gross) — pregnancy covered from day 1:** Once the employee contract starts, statutory cover includes prenatal, midwife, ultrasounds, vaginal or C-section birth and postnatal — no waiting period. Employer pays half. The newborn is added to the family insurance for free under § 10 SGB V. (Source: § 5 SGB V · § 10 SGB V · DAK-Gesundheit 2026). - **Out-of-pocket pregnancy cost in Germany without insurance: 5-figure range:** KBV / DRG reference: prenatal package ~€500–€1,200, ultrasounds ~€40–€150 each, midwife from ~€500, vaginal birth ~€2,500–€4,000, C-section ~€4,000–€7,000, complications easily exceed €10,000. The recognised lane prevents this risk completely. (Source: KBV / Statistisches Bundesamt DRG 2024). ## 3 typical pregnancy scenarios for expats in Germany — and the recognised insurance lane per case **Quick answer:** "Which insurance covers pregnancy for expats in Germany?" Care Expatriate from €58/month covers prenatal, midwife and birth after an 8-month waiting period — only if the pregnancy starts after the policy start date. DAK-Gesundheit (~17.8% of gross, employer pays half) covers pregnancy fully from day 1 of the employee contract with no waiting period. Care Visa Protect and Care Economy do not cover pregnancy. Scenario 1 / 3 ### Pregnancy already exists at policy start (visible / known) Incoming policies (Care Expatriate, Care Economy, Care Visa Protect) only cover a pregnancy that started AFTER the policy start date. A pregnancy known at the moment of application is excluded — only acute, life-threatening complications would be reimbursed. The recognised lane is statutory cover via DAK-Gesundheit (~17.8% of gross), which opens on day 1 of the employee contract with no waiting period and full prenatal, midwife and birth cover. For self-employed expats and § 21 AufenthG holders this is a hard planning point — the family-planning guide details the exact options. **Typical lane:** DAK-Gesundheit from day 1 · OR plan policy start before conception [Family planning lane (partner + children) →](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/) Scenario 2 / 3 ### Pregnancy starts AFTER the Care Expatriate policy starts (the typical case) If conception happens after the policy start date, Care Expatriate (HanseMerkur incoming, ages 0–74) covers all pregnancy treatment after an 8-month waiting period — prenatal visits, ultrasounds, the Hebamme (midwife) and the birth itself. Comfort or Premium tiers cover the planned birth; complications are covered in all three tiers. From €58/month at entry age 13–40 (Basic), recognised by the Ausländerbehörde under § 5 / § 21 AufenthG, certificate in German + English. The waiting-period mechanic means timing the policy start before family planning is the cheapest path. **Typical lane:** Care Expatriate Comfort/Premium · 8-month waiting period · DE+EN certificate [Care Expatriate from €58/month (long-term) →](/en/insurance-plans/care-expatriate/overview/) Scenario 3 / 3 ### Pregnant expat with an employee contract — statutory GKV from day 1 Once the employee contract starts, statutory DAK-Gesundheit (~17.8% of gross, employer pays half, ~8.9% net cost to the employee) covers pregnancy and birth fully from day 1 — prenatal, midwife, ultrasounds, birth, postnatal, all included with no waiting period. The eGK arrives within ~14 days of payroll registration. The newborn is added to the family insurance (free) under § 10 SGB V. This is the strongest lane for pregnant expat employees and applies regardless of when the pregnancy started. **Typical lane:** Employee contract · § 5 SGB V · § 10 SGB V family insurance [How private vs. statutory compares →](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/) ## 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 pregnant expat relies on Care Visa Protect or Care Economy — or signs Care Expatriate when the pregnancy already exists ## 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. ## Family planning starting soon? Lock the Care Expatriate policy today — the 8-month waiting period only counts down once the policy is active ## 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 application to recognised pregnancy cover — in 3 steps 10 minutes online for Care Expatriate, the policy document is issued by email in German + English and is accepted by the Ausländerbehörde for § 5 / § 21 AufenthG. The 8-month waiting period for pregnancy starts on the policy start date. Comfort or Premium tier is needed for the planned birth; complications are covered in all three tiers. ## 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 expat families say about Care Expatriate as the long-term pregnancy lane 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 two recognised pregnancy lanes — Care Expatriate (incoming, 8-month wait) and DAK-Gesundheit (statutory, day 1) ✅ Pregnancy covered after 8-month waiting period ### 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 🏥 Statutory · pregnancy covered from day 1 ### 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 Family planning context? [Expat family — joint planning for partner and children](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/). Lane comparison: [Private vs. statutory — which factors matter](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/). Permit context: [why insurance is almost always required](/en/guide-health-insurance-germany/health-insurance-expats-germany/residence-permit-expats-why-health-insurance-almost-always-matters-germany/). Compare every lane in the [foreigners hub](/en/guide-health-insurance-germany/health-insurance-expats-germany/). ## Full price tables — Care Expatriate (incoming) & DAK-Gesundheit (statutory) **Quick answer:** Care Expatriate is the only incoming product that covers pregnancy in Germany — after an 8-month waiting period and only if the pregnancy starts after the policy start date. Comfort/Premium tier is needed for the planned birth; complications are covered in all three tiers. DAK-Gesundheit (statutory) covers pregnancy fully from day 1 of the employee contract — no waiting period, employer pays half. ### Long-term — Care Expatriate (3 tiers) HanseMerkur incoming, ages 0–74, up to 5 years, accepted by the Ausländerbehörde for § 5 / § 21 AufenthG, certificate in German + English. Pregnancy covered after 8-month waiting period; planned birth in 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/) ### Statutory — DAK-Gesundheit (employees) Statutory GKV via DAK-Gesundheit, ~17.8% of gross (employer pays half, ~8.9% net to the employee). Pregnancy, prenatal care, midwife (Hebamme), ultrasounds, vaginal or C-section birth and postnatal are covered from day 1 — no waiting period. Newborn added free of charge under § 10 SGB V family insurance: 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 — Pregnancy and health insurance for expats in Germany ## Frequently Asked Questions Does Care Expatriate cover pregnancy for expats in Germany? Yes, after an 8-month waiting period from contract start — Care Expatriate includes prenatal check-ups, delivery and postnatal cover from €58/month (ages 13–40). Pre-existing pregnancy at sign-up is excluded. Which insurance covers pregnancy immediately for expats? Only GKV — DAK-Gesundheit covers pregnancy from day one of membership (no waiting period) under § 24c SGB V. Contribution: 17.8% of gross, split 50/50. Family Insurance (§ 10 SGB V) also covers pregnant spouses free. How much does a delivery cost without insurance in Germany? A normal delivery costs €3,000–5,000; a C-section €6,000–10,000 at a public hospital. Prenatal check-ups add €800–1,200 over 9 months. Care Expatriate reimburses 100% of these after the 8-month waiting period. Which doctor confirms pregnancy for expat insurance claims? The Mutterpass (pregnancy passport) is issued at week 8–12 and required for both GKV and Care Expatriate claims. Any registered Frauenarzt (gynaecologist) in Germany. Care Expatriate reimburses within 14 days from €58/month upwards. Does the Ausländerbehörde accept Care Expatriate as pregnancy insurance proof? Yes, under § 5 AufenthG — as long as the contract started before conception and includes the 8-month waiting period. Care Expatriate PDF from €58/month lists pregnancy cover explicitly. Travel policies are rejected for pregnant expats. Does health insurance cover pregnancy for expats in Germany? Public health insurance (GKV) covers prenatal care, delivery and postnatal care fully – with no waiting period. Private incoming insurance like [Care Expatriate (from €58/month)](/en/insurance-plans/care-expatriate/overview/) may cover pregnancy depending on the plan – check the specific terms before signing up. Is there a waiting period for maternity coverage in Germany? It depends on the insurance type. GKV (public insurance) has zero waiting period – pregnancy is covered from day one. [Care Economy](/en/insurance-plans/care-economy/overview/) has an 8-month waiting period for maternity benefits. Care Visa Protect covers pregnancy that begins after the policy start date. Plan ahead and start your policy early. How much does giving birth without insurance cost in Germany? A natural birth costs around €2,000–4,000, a C-section €5,000–15,000. Add prenatal checkups (€30–80 each), midwife and postnatal care – total easily exceeds €10,000. [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) can provide coverage during this period. [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 25, 2026.