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    Health Insurance for Foreigners in Germany
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    Care Expatriate — recognised long-term residence lane (up to 5 years)from €68/month (41–60) · from €246/month (61–74)
    Two counters, two checks. The Bürgeramt (Anmeldung) does NOT ask for insurance — but the Ausländerbehörde does, at a separate appointment, and refuses the residence permit if cover is not active from day 1.

    Health insurance after entry — must you re-prove it at the Anmeldung in Germany?

    Entry age 41–60: from €68/monthEntry age 61–74: from €246/month
    4.9/5 · Over 10,000 policies since 2009
    Foreign retiree at the Bürgeramt Anmeldung in Germany — passport and Wohnungsgeberbestätigung at the counter, separate Ausländerbehörde appointment for the residence permit
    Anmeldung
    No insurance check
    Ausländerbehörde
    Insurance re-checked
    Day 1
    Cover must exist

    Three rules that decide what you actually need at the Anmeldung counter in Germany:

    1. 1Default for foreign retirees → Care Expatriate is the recognised long-term lane: the Bürgeramt does not ask for insurance, but the next appointment (Ausländerbehörde) does. The recognised long-term Incoming product is Care Expatriate from €68/month (41–60) · from €246/month (61–74), accepted by every Ausländerbehörde under § 5 AufenthG, up to 5 years per contract.
    2. 214-day Anmeldung deadline (§ 17 BMG): every newcomer must register at the Bürgeramt within 14 days of moving in. The Anmeldebestätigung (registration certificate) is then required for the Ausländerbehörde appointment, the bank account, the GKV / Incoming insurer registration and the tax number.
    3. 3Bridge cover for the gap to the long-term contract: if the long-term contract or the GKV membership is not yet active, bridge with Care Economy from €30 / 30 days (up to 2 years) — recognised under § 5 AufenthG for stays up to 2 years.

    Anmeldung tomorrow and unsure if your cover is recognised? 30-second post-entry insurance finder →

    Inside: the difference between the Bürgeramt and the Ausländerbehörde checks · the 14-day clock that triggers the residence-permit appointment · why backdated insurance is rejected by the Ausländerbehörde

    Sources: § 17 BMG · § 21 BMG · § 23 BMG · § 5 AufenthG · § 36 AufenthG · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · Auswärtiges Amt

    Senior Stay Coverage

    Options for visitors and long-stay seniors up to entry age 74

    Visa & Residence Proof

    Proof for embassy, consulate or residence documents

    Online Application

    Receive confirmation after successful application

    4.9/5

    Over 10,000 policies issued · Since 2009

    Care Expatriate is the recognised long-term lane the Ausländerbehörde re-checks after entry — accepted under § 5 AufenthG, up to 5 years per contract.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing
    4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued

    Anmeldung vs. Ausländerbehörde — the six concrete rules after entry

    Quick answer: "Do I have to re-prove health insurance at the Anmeldung in Germany?" — No, not at the Bürgeramt. The Bürgeramt asks for passport + Wohnungsgeberbestätigung under § 17 / § 21 BMG. Insurance is re-checked at the SEPARATE Ausländerbehörde appointment for the residence permit (§ 5 AufenthG) and must be active from day 1 of residence — recognised long-term lane: Care Expatriate from €68/month (41–60) or €246/month (61–74).

    • Anmeldung at the Bürgeramt: passport + Wohnungsgeberbestätigung — insurance NOT checked
    • 14-day deadline to register after moving in (§ 17 BMG) — fine risk if missed
    • Ausländerbehörde appointment: insurance certificate IS re-checked (§ 5 AufenthG)
    • Recognised cover required from day 1 of residence — backdating is not accepted
    • GKV needs 2–6 weeks to issue the Mitgliedschaftsbescheinigung — bridge with Care Economy
    • Care Expatriate from €68/month (41–60) · €246/month (61–74) — recognised long-term lane

    The three counters after entry — Bürgeramt, Ausländerbehörde, insurer

    Counter 1 / 3

    Anmeldung — Bürgeramt (§ 17 / § 21 BMG)

    Asks for: Passport + Wohnungsgeberbestätigung (landlord confirmation) + registration form.

    Insurance: Insurance certificate is NOT requested here.

    Deadline: Within 14 days of moving in (§ 17 BMG).

    Counter 2 / 3

    Ausländerbehörde — residence-permit appointment (§ 5 AufenthG)

    Asks for: Passport, biometric photo, Anmeldebestätigung, proof of livelihood, INSURANCE CERTIFICATE.

    Insurance: Insurance is RE-CHECKED here against the entry date and permit duration.

    Deadline: Before the visa expires; recognised cover from day 1 of residence.

    Counter 3 / 3

    GKV / Incoming insurer — internal registration

    Asks for: Anmeldebestätigung, passport, contract data; for GKV employees: M10 electronic notification to the employer.

    Insurance: The insurer issues the Mitgliedschaftsbescheinigung used at the Ausländerbehörde.

    Deadline: Right after Anmeldung — typically 2–6 weeks for GKV processing.

    Avoid the mistakes that can delay your application

    Senior prices can surprise you

    Age matters. For seniors, rates can be much higher, so show age-based pricing before the visitor applies.

    Short visit or long stay?

    Care Visa Protect or Care Economy may fit visits; Care Expatriate may fit selected longer family-stay cases.

    Entry age limit matters

    Many options have an entry-age limit. Check eligibility before preparing visa or residence documents.

    Coverage gaps create stress

    Choose the coverage period carefully if travel dates, family visit length or residence timing are uncertain.

    Cover gap on day 1 — refused residence permit and €830/day hospital risk

    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.

    👴

    Age changes everything

    Senior pricing and eligibility matter

    Older parents or seniors may face higher prices and entry-age limits, so the wrong choice can create surprises before applying.

    • 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.

    Just landed in Germany? Pick the post-entry cover before the 14-day Anmeldung clock runs out

    Why act before family visit or residence paperwork

    Older visitors often face age-based pricing and eligibility limits. Waiting too long can make the right option harder to choose.

    👴

    Age affects price

    Senior rates can be much higher, so check pricing before preparing documents.

    📄

    Entry-age limits matter

    Many incoming insurance options are only available up to a specific entry age.

    ⚡

    Short visit or long stay?

    Care Visa Protect, Care Economy and Care Expatriate serve different stay lengths.

    ✅

    Avoid coverage gaps

    Choose the coverage period carefully if family visit dates or residence timing are uncertain.

    From contract to Ausländerbehörde-ready certificate — in 3 steps

    10 minutes online. No medical exam, no health questions for standard tier cover. PDF certificate in German + English by email within minutes — accepted at every Ausländerbehörde appointment under § 5 AufenthG.

    Schengen-ready in 3 steps

    Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.

    1. Pick the right plan

      Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.

    2. Apply online

      Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.

    3. Submit your proof

      Receive the PDF certificate after successful online application and submit it with your visa or authority documents.

    What foreign retirees say about Care Expatriate after Anmeldung at the Ausländerbehörde

    4.9/5 · Since 2009 · Over 10,000 policies issued
    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

    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

    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

    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

    Yunhee

    Australia

    Now choose your plan

    4.9/5 · Since 2009 · Over 10,000 policies issued

    Full price tables — Care Expatriate (residence), Care Economy (bridge), Care Visa Protect (visit)

    Quick answer: Care Expatriate is the recognised post-entry residence lane: ages 41–60 from €68/month; ages 61–74 from €246/month — up to 5 years per contract (Basic / Comfort / Premium variants). Care Economy bridges 1 day to 2 years with per-day pricing by age (€1.00/day for 0–64, €2.95/day for 65–74, both with deductible). Care Visa Protect covers a Schengen visit at €0.85/day (0–64) and €2.60/day (65–74).

    Residence permit — Care Expatriate (ages 0–74, up to 5 years)

    Care Expatriateworldwide without USA, Canada and Mexico
    Basic
    BestsellerComfort
    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.

    Bridge after entry — Care Economy (1 day – 2 years)

    Care Economy
    Duration
    Bestsellerup to 64
    up to 64
    Bestseller65+
    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.

    Schengen visit — Care Visa Protect (≤ 92 days)

    Care Visa Protect Daily premium Multiple Visa
    (annual contract)
    up to age 64 €0.85/day €110/year
    65 – 74 years €2.60/day €215/year

    Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026.

    FAQ — Health insurance after entry and at the Anmeldung

    Frequently Asked Questions

    Do I have to show health insurance at the Anmeldung (Bürgeramt) in Germany?

    No. The Anmeldung at the Bürgeramt (Einwohnermeldeamt) is purely a residence registration under § 17 / § 21 BMG (Bundesmeldegesetz). The case officer asks for the passport, the Wohnungsgeberbestätigung (landlord confirmation) and the registration form — not for an insurance certificate. The insurance proof is re-checked at the SEPARATE Ausländerbehörde appointment for the residence permit (§ 5 AufenthG). The recognised long-term lane for foreign retirees is <a href="/en/insurance-plans/care-expatriate/overview/" class="text-primary underline underline-offset-2">Care Expatriate from €68/month (41–60) · €246/month (61–74)</a>.

    What happens if my insurance is not active yet on the day of the Ausländerbehörde appointment?

    The residence permit is refused or postponed. The Ausländerbehörde requires recognised cover from the entry / start-of-residence date — backdated cover is not accepted. Fastest fix: <a href="/en/insurance-plans/care-economy/overview/" class="text-primary underline underline-offset-2">Care Economy from €1.00/day (0–64) · €2.95/day (65–74)</a> as a bridge (1 day to 2 years, recognised under § 5 AufenthG), and switch to <a href="/en/insurance-plans/care-expatriate/overview/" class="text-primary underline underline-offset-2">Care Expatriate from €68/month (41–60) · €246/month (61–74)</a> the moment the long-term residence permit is granted.

    I missed the 14-day Anmeldung deadline — does that affect my insurance?

    The 14-day deadline (§ 17 BMG) is a registration obligation; missing it can trigger an administrative fine but does not cancel your insurance. It does delay the residence-permit appointment, which means recognised cover must remain active throughout the gap. Use Care Economy (1 day–2 years, recognised under § 5 AufenthG) as a bridge until the long-term residence permit is issued and the Care Expatriate contract starts.