--- title: "From €246/mo – health insurance & medication Germany" description: "Medication in Germany for foreign retirees: how GKV co-payments work (§§ 31, 61, 62 SGB V) and how Care Expatriate from €246/mo (61–74) handles prescriptions." 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", 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out for (neutral overview)", "description": "Medication in Germany for foreign retirees: how GKV co-payments work (§§ 31, 61, 62 SGB V) and how Care Expatriate from €246/mo (61–74) handles prescriptions.", "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": "2026-09-10", "dateModified": "2026-08-24", "mainEntityOfPage": { "@type": "WebPage", "@id": 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"https://en.wikipedia.org/wiki/Schengen_Area" } ], "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": "Foreign Retirees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/" }, { "@type": "ListItem", "position": 4, "name": "Medications in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Family visit or longer stay in 3 steps", "description": "Options for short visits or longer family stays up to entry age 74.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your plan", "text": "Care Economy for visits up to 2 years · Care Expatriate for longer stays or family-reunification scenarios up to 5 years." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter passport, travel/stay and visa or residence details online. Additional information may be required depending on the plan." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive insurance proof after successful application and submit it with your visa or residence documents." } ], "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 prescription-medication co-payments work in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "GKV members pay 10% of the pharmacy price, minimum €5, maximum €10 per prescription (§ 61 SGB V). Annual co-payment cap: 2% of gross annual income, 1% for chronically ill (§ 62 SGB V). Care Expatriate members pay 100% at the pharmacy and file the invoice for reimbursement within tariff limits." } }, { "@type": "Question", "name": "Does Care Expatriate cover prescription medication in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes for acute treatment prescribed during the stay — antibiotics, pain relief, wound care — reimbursed up to the tariff limit (€150 deductible on Basic; €0 on Comfort/XL). From €58/month (ages 13–40) to €246/month (age 61–74). Chronic pre-existing medication stacks (insulin, statins for years) remain excluded per § 19 VVG." } }, { "@type": "Question", "name": "Are chronic-illness medications covered by Care Expatriate?", "acceptedAnswer": { "@type": "Answer", "text": "No — pre-existing chronic medication is excluded on all Incoming tariffs per AVB and § 19 VVG. Foreign retirees on long-term statins, insulin or cancer therapy need GKV via KVdR (§ 5 SGB V 9/10-rule) or an EU S1 form; otherwise medication is paid out-of-pocket at retail pharmacy prices." } }, { "@type": "Question", "name": "How much do medications typically cost out-of-pocket in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Antibiotic course €15–40, insulin €50–90/month, cholesterol statins €10–30/month, blood-pressure combos €15–45/month — retail Apotheke prices. GKV members pay only €5–10 co-payment; Care Expatriate reimburses acute prescriptions but not chronic stacks." } }, { "@type": "Question", "name": "Can I use my home-country prescription in a German pharmacy?", "acceptedAnswer": { "@type": "Answer", "text": "Non-EU prescriptions need a fresh German Rezept from a GP (Hausarzt) — visit fee €10–30 with Care Expatriate, or covered fully under GKV. Only prescriptions from EU/EEA doctors are recognised at German Apotheken. Bring a translated medication list to the first appointment." } }, { "@type": "Question", "name": "What does health insurance cover for medications in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Public insurance (GKV) covers prescription medications with a copay of 5–10 EUR per item. Private insurance (PKV) reimburses based on the chosen plan. Incoming insurance like Care Expatriate covers medications for acute conditions only." } }, { "@type": "Question", "name": "Can I use my foreign prescriptions in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Foreign prescriptions are generally not accepted at German pharmacies. You need a German doctor to issue a new prescription. Bring your medication list (Medikamentenplan) to your appointment for smooth transition." } }, { "@type": "Question", "name": "How much do prescription drugs cost without insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Without insurance, you pay the full pharmacy price – which can range from €20 to over €200 per medication per month. With a Care Expatriate from 58 €/month, prescriptions for acute conditions are covered from day one." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do prescription-medication co-payments work in Germany?", "text": "How do prescription-medication co-payments work in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "GKV members pay 10% of the pharmacy price, minimum €5, maximum €10 per prescription (§ 61 SGB V). Annual co-payment cap: 2% of gross annual income, 1% for chronically ill (§ 62 SGB V). Care Expatriate members pay 100% at the pharmacy and file the invoice for reimbursement within tariff limits.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does Care Expatriate cover prescription medication in Germany?", "text": "Does Care Expatriate cover prescription medication in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes for acute treatment prescribed during the stay — antibiotics, pain relief, wound care — reimbursed up to the tariff limit (€150 deductible on Basic; €0 on Comfort/XL). From €58/month (ages 13–40) to €246/month (age 61–74). Chronic pre-existing medication stacks (insulin, statins for years) remain excluded per § 19 VVG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Are chronic-illness medications covered by Care Expatriate?", "text": "Are chronic-illness medications covered by Care Expatriate?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — pre-existing chronic medication is excluded on all Incoming tariffs per AVB and § 19 VVG. Foreign retirees on long-term statins, insulin or cancer therapy need GKV via KVdR (§ 5 SGB V 9/10-rule) or an EU S1 form; otherwise medication is paid out-of-pocket at retail pharmacy prices.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much do medications typically cost out-of-pocket in Germany?", "text": "How much do medications typically cost out-of-pocket in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Antibiotic course €15–40, insulin €50–90/month, cholesterol statins €10–30/month, blood-pressure combos €15–45/month — retail Apotheke prices. GKV members pay only €5–10 co-payment; Care Expatriate reimburses acute prescriptions but not chronic stacks.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use my home-country prescription in a German pharmacy?", "text": "Can I use my home-country prescription in a German pharmacy?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Non-EU prescriptions need a fresh German Rezept from a GP (Hausarzt) — visit fee €10–30 with Care Expatriate, or covered fully under GKV. Only prescriptions from EU/EEA doctors are recognised at German Apotheken. Bring a translated medication list to the first appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does health insurance cover for medications in Germany?", "text": "What does health insurance cover for medications in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Public insurance (GKV) covers prescription medications with a copay of 5–10 EUR per item. Private insurance (PKV) reimburses based on the chosen plan. Incoming insurance like Care Expatriate covers medications for acute conditions only.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use my foreign prescriptions in Germany?", "text": "Can I use my foreign prescriptions in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Foreign prescriptions are generally not accepted at German pharmacies. You need a German doctor to issue a new prescription. Bring your medication list (Medikamentenplan) to your appointment for smooth transition.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much do prescription drugs cost without insurance in Germany?", "text": "How much do prescription drugs cost without insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Without insurance, you pay the full pharmacy price – which can range from €20 to over €200 per medication per month. With a Care Expatriate from 58 €/month, prescriptions for acute conditions are covered from day one.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-and-medication-what-to-watch-out-for-neutral-overview-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "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 — recognised acute-medical lane (prescribed medication per AVB) (up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Retirees in Germany](/en/guide-health-insurance-germany/health-insurance-retirees-germany/) 4. Medications in Germany Neutral overview (no medical advice). GKV reimburses prescription medication under § 31 SGB V with Zuzahlung (10 % · min €5 / max €10 per pack, § 61 SGB V; annual cap § 62 SGB V). Recognised Incoming products (Care Expatriate) cover prescribed medication for acute new events only — pre-existing chronic medication is excluded per AVB and § 19 VVG. # Health insurance and medication in Germany — what to watch out for (neutral overview) Entry age 41–60: from €68/month Entry age 61–74: from €246/month 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Foreign retiree in Germany — prescription medication, GKV Zuzahlung (§§ 31, 61, 62 SGB V) vs Care Expatriate AVB compared](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [For the full chronic medication stack: GKV via KVdR (§ 5 SGB V 9/10) or EU Form S1 (EU Reg. 883/2004)](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/) (Zuzahlung 10 % · min €5 / max €10 per pack · annual cap 2 % / 1 % chronic) - [Recognised acute lane (residence permit): Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (prescribed medication for acute treatment per AVB · chronic excluded) - [Short bridge: Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over)](/en/insurance-plans/care-economy/overview/) (≤ 2 years · § 5 AufenthG · same chronic exclusion) § 31 SGB V GKV pays €5 / €10 Zuzahlung 2 % / 1 % annual cap Three things foreign retirees in Germany should know about prescription medication and health insurance : 1. 1 **GKV pays prescribed medication with a Zuzahlung:** Under § 31 SGB V the GKV reimburses prescribed medication directly at the pharmacy. The patient pays 10 %, minimum €5 and maximum €10 per pack (§ 61 SGB V). Annual hardship cap 2 % of gross household income — 1 % for chronically ill members (§ 62 SGB V). 2. 2 **Care Expatriate covers acute prescribed medication:** [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/) reimburses prescribed medication for the treatment of an acute new event per AVB and tariff tier. Pre-existing chronic medication is excluded — disclose every chronic drug in writing at sign-up under § 19 VVG. 3. 3 **Chronic stack from day one = GKV only:** The full chronic medication stack is reliably covered only by GKV — admitted via KVdR (§ 5 Abs. 1 Nr. 11 SGB V) or EU Form S1 (EU Reg. 883/2004). Otherwise plan chronic medication cost personally while on Incoming cover. Unsure which lane fits your medication situation? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the 10 medication insurance points foreign retirees in Germany should know · how the GKV Zuzahlung and the §§ 61, 62 SGB V hardship cap actually work · what Care Expatriate AVB actually says about prescribed vs chronic medication Sources: § 31 SGB V (medication benefits) · § 34 SGB V (OTC exclusion) · § 61 SGB V (Zuzahlung) · § 62 SGB V (hardship cap) · § 5 SGB V (KVdR 9/10) · § 19 VVG · § 5 AufenthG · EU Reg. 883/2004 (Form S1) · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · GKV-Spitzenverband 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 ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 24, 2026** Sources§§ 31, 34, 61, 62 SGB V · § 5 SGB V (KVdR 9/10) · § 19 VVG · § 5 AufenthG · EU Reg. 883/2004 · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · GKV-Spitzenverband · BMG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Need a recognised acute-medical lane that reimburses prescribed medication for new events while chronic stays personal? Care Expatriate from €68/mo (41–60) · €246/mo (61–74) is the standard non-EU retiree lane under § 5 AufenthG. [Care Expatriate (acute medical, ≤ 5 years per contract) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (short bridge, ≤ 2 years) 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 - Medication in Germany is reimbursed by GKV under § 31 SGB V with patient co-payment (Zuzahlung, § 61 SGB V): 10 % of the pack price, minimum €5 and maximum €10 per pack — never more than the actual price. An annual hardship cap of 2 % of gross household income (1 % for chronically ill members) applies under § 62 SGB V; once the cap is reached, the GKV exempts the patient from further co-payments for the calendar year. - Recognised Incoming products such as Care Expatriate (from €68/month entry age 41–60 · €246/month entry age 61–74) and Care Economy (from €1.00/day up to age 64 · €2.95/day age 65 and over) reimburse PRESCRIBED medication for the treatment of an acute new event under § 5 AufenthG, per AVB and tariff tier. Pre-existing chronic medication is excluded per AVB and § 19 VVG — disclose every chronic medication in writing at sign-up. - Practical decision for foreign retirees: (1) if GKV/KVdR is open under the 9/10 rule (§ 5 Abs. 1 Nr. 11 SGB V), GKV covers the full chronic medication stack with the standard Zuzahlung; (2) if GKV is closed and the residence permit is due, Care Expatriate is the recognised acute-medical lane up to 5 years per contract — chronic medication remains personal cost; (3) for short stays bridging into a residence permit, Care Economy applies up to 2 years with the same chronic exclusion. Key facts at a glance Reviewed August 24, 2026 - **GKV Zuzahlung — § 61 SGB V:** Patient pays 10 % of the pack price, minimum €5 and maximum €10 per pack — never more than the actual price. Applies per pack, regardless of how many packs are on the prescription. (Source: § 61 SGB V · GKV-Spitzenverband). - **Annual hardship cap — § 62 SGB V:** 2 % of gross household income (1 % for the chronically ill). Once the cap is reached, the GKV exempts the patient from further co-payments for the rest of the calendar year — submit pharmacy receipts to the carrier to trigger the exemption. (Source: § 62 SGB V · GKV-Spitzenverband). - **Care Expatriate medication scope — AVB:** Reimburses prescribed medication for the treatment of an acute new event during the contract term, per AVB and chosen tariff tier. From €68/month (41–60) and €246/month (61–74). Pre-existing chronic medication is excluded; disclose every chronic drug at sign-up under § 19 VVG. (Source: HanseMerkur Care Expatriate AVB · § 19 VVG). ## The 10 medication-insurance points foreign retirees in Germany should know **Quick answer:** "How does health insurance cover prescription medication in Germany?" — GKV reimburses prescribed medication under § 31 SGB V; patient pays the Zuzahlung (10 % · min €5 / max €10 per pack, § 61 SGB V), with an annual cap of 2 % of gross household income (1 % chronic, § 62 SGB V). Recognised Incoming products (Care Expatriate from €68/mo · €246/mo, Care Economy from €1.00–€2.95/day) reimburse prescribed medication for an acute new event per AVB; pre-existing chronic medication is excluded under § 19 VVG. This is an insurance overview only — therapy questions belong to the treating physician. - **1\. Point 1 — Prescription medication on GKV (§ 31 SGB V)** GKV reimburses prescribed medication directly at the pharmacy; patient pays the Zuzahlung. Mandatory medication for the chronic stack is covered when GKV is open. - **2\. Point 2 — Zuzahlung mechanics (§ 61 SGB V)** 10 % of the pack price, minimum €5 and maximum €10 per pack — never more than the actual pack price. Applies per pack, not per prescription. - **3\. Point 3 — Hardship cap (§ 62 SGB V)** Annual cap 2 % of gross household income (1 % for the chronically ill). Once reached, the GKV exempts the patient from further co-payments for the rest of the calendar year. - **4\. Point 4 — OTC and lifestyle drugs (§ 34 SGB V)** GKV does NOT reimburse most OTC medication for adults; lifestyle drugs and named exclusions are out. Limited exceptions for serious illness on the GBA list. - **5\. Point 5 — Care Expatriate — what it pays for medication** PRESCRIBED medication for the treatment of an acute new event during the contract term, per AVB and chosen tariff tier. From €68/month (entry age 41–60) · €246/month (entry age 61–74). - **6\. Point 6 — Pre-existing chronic medication — strict exclusion** Excluded per AVB and § 19 VVG on every recognised Incoming product (Care Expatriate, Care Economy, Care Visa Protect). The chronic stack remains personal cost until GKV/KVdR opens. - **7\. Point 7 — § 19 VVG disclosure at sign-up** Every regularly taken medication must be disclosed in writing. Concealment leads to retroactive contract rescission and loss of the recognised insurance proof — putting the residence permit at risk. - **8\. Point 8 — Imported medication and equivalents** Imported medication may not be reimbursed if a German equivalent exists. Bring a written summary (German + English) of dose and substance for the German treating physician to issue a local prescription. - **9\. Point 9 — Pharmacy receipts and reimbursement workflow** GKV: direct settlement at the pharmacy + Zuzahlung paid in cash/card. Incoming (Care Expatriate, Care Economy): patient pays at the pharmacy and submits the original receipt + prescription to the insurer for reimbursement per AVB. - **10\. Point 10 — When GKV opens for the full chronic stack** Via KVdR under the 9/10 rule (§ 5 Abs. 1 Nr. 11 SGB V), § 9 SGB V (voluntary) or EU Form S1 (EU Reg. 883/2004). Outside these doors, GKV cannot enrol a foreign retiree. ## Three lanes for medication in Germany — GKV (full chronic stack), Care Expatriate (acute prescribed), Care Economy (short bridge) Lane 1 / 3 ### GKV — full medication cover with Zuzahlung If GKV is open via KVdR (§ 5 Abs. 1 Nr. 11 SGB V — 9/10 rule) or EU Form S1 (EU Reg. 883/2004), GKV reimburses the prescribed medication stack at the pharmacy under § 31 SGB V. Patient pays the Zuzahlung (§ 61 SGB V: 10 %, min €5 / max €10 per pack), with the annual hardship cap (§ 62 SGB V: 2 %, 1 % for the chronically ill) limiting yearly out-of-pocket cost. The only lane that reliably covers ongoing chronic medication. **Need:** GKV via KVdR or EU Form S1 · §§ 31, 61, 62 SGB V [See: when GKV vs private applies → →](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/) Lane 2 / 3 ### Care Expatriate — prescribed medication for acute treatment Recognised Incoming lane under § 5 AufenthG: Care Expatriate from €68/month (entry age 41–60) and €246/month (entry age 61–74). Reimburses prescribed medication for the treatment of an acute new event per AVB and tariff tier — outpatient, inpatient, surgery, follow-up. Pre-existing chronic medication is excluded; disclose every chronic drug in writing at sign-up under § 19 VVG. **Need:** Care Expatriate · ≤ 5 years · § 5 AufenthG · acute · chronic excluded [Care Expatriate from €68/month (41–60) · €246/month (61–74) →](/en/insurance-plans/care-expatriate/overview/) Lane 3 / 3 ### Care Economy — short bridge with same medication scope Care Economy from €1.00/day for ages up to 64 and €2.95/day for ages 65 and over (with deductible), minimum €10. Recognised under § 5 AufenthG up to 2 years. Same scope on medication: prescribed drugs for an acute new event per AVB; chronic medication excluded. Useful as a short bridge while the long-term residence and insurance route are decided. **Need:** Care Economy · ≤ 2 years · § 5 AufenthG · acute · chronic excluded [Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) →](/en/insurance-plans/care-economy/overview/) ## 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. ## Assuming Incoming covers chronic medication — exclusion in AVB + § 19 VVG concealment risks the residence permit ## 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. ## Residence permit due and chronic medication ongoing? Disclose every drug under § 19 VVG, take Care Expatriate for the recognised acute lane, plan chronic medication via GKV/KVdR if eligible ## 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 — 3 steps with full medication disclosure 10 minutes online. Disclose every regularly taken medication in writing at sign-up under § 19 VVG. Bilingual PDF certificate (German + English) by email within minutes — accepted by the Ausländerbehörde under § 5 AufenthG. ## Family visit or longer stay in 3 steps Options for short visits or longer family stays up to entry age 74. 1. 1 🎯 Choose your plan Care Economy for visits up to 2 years · Care Expatriate for longer stays or family-reunification scenarios up to 5 years. 2. 2 📝 Complete the application Enter passport, travel/stay and visa or residence details online. Additional information may be required depending on the plan. 3. 3 ✅ Receive your proof Receive insurance proof after successful application and submit it with your visa or residence documents. ## What retirees say about Care Expatriate as the recognised acute-medical lane covering prescribed medication 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/) ## Recommended tariffs for the medication-insurance question — Care Expatriate (acute prescribed), Care Economy (short bridge). Chronic medication from day one only via GKV/KVdR or EU Form S1. 🎯 Recognised acute-medical · § 5 AufenthG · prescribed medication per AVB ### Care Expatriate from €68/month (41–60) · from €246/month (61–74) — acute prescribed medication · chronic excluded · § 19 VVG disclosure For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof 🛟 Short bridge · ≤ 2 years · same chronic exclusion ### 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 Wondering when GKV is open instead? [Retirees in Germany — when statutory vs private](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/). Have chronic conditions to plan around? [Retirees with chronic conditions — typical misconceptions](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/). Confused about Krankenversicherung vs Pflegeversicherung? [Health insurance vs long-term care insurance](/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/). For the full overview see the [foreign-retirees hub](/en/guide-health-insurance-germany/health-insurance-retirees-germany/). ## Full price tables — Care Expatriate (long-term acute medical) and Care Economy (short bridge) **Quick answer:** For the medication-insurance question in Germany, the recognised acute-medical lane under § 5 AufenthG is Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74 (up to 5 years per contract). Care Economy bridges shorter stays at €1.00/day for ages 0–64 and €2.95/day for ages 65–74 (up to 2 years). Both reimburse PRESCRIBED medication for the treatment of an acute new event per AVB; pre-existing chronic medication is excluded and § 19 VVG disclosure is mandatory at sign-up. ### Long-term acute medical — Care Expatriate (ages 0–74, up to 5 years) Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ### Short bridge — Care Economy (1 day – 2 years) Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ## FAQ — health insurance and medication for foreign retirees in Germany ## Frequently Asked Questions How do prescription-medication co-payments work in Germany? GKV members pay 10% of the pharmacy price, minimum €5, maximum €10 per prescription (§ 61 SGB V). Annual co-payment cap: 2% of gross annual income, 1% for chronically ill (§ 62 SGB V). Care Expatriate members pay 100% at the pharmacy and file the invoice for reimbursement within tariff limits. Does Care Expatriate cover prescription medication in Germany? Yes for acute treatment prescribed during the stay — antibiotics, pain relief, wound care — reimbursed up to the tariff limit (€150 deductible on Basic; €0 on Comfort/XL). From €58/month (ages 13–40) to €246/month (age 61–74). Chronic pre-existing medication stacks (insulin, statins for years) remain excluded per § 19 VVG. Are chronic-illness medications covered by Care Expatriate? No — pre-existing chronic medication is excluded on all Incoming tariffs per AVB and § 19 VVG. Foreign retirees on long-term statins, insulin or cancer therapy need GKV via KVdR (§ 5 SGB V 9/10-rule) or an EU S1 form; otherwise medication is paid out-of-pocket at retail pharmacy prices. How much do medications typically cost out-of-pocket in Germany? Antibiotic course €15–40, insulin €50–90/month, cholesterol statins €10–30/month, blood-pressure combos €15–45/month — retail Apotheke prices. GKV members pay only €5–10 co-payment; Care Expatriate reimburses acute prescriptions but not chronic stacks. Can I use my home-country prescription in a German pharmacy? Non-EU prescriptions need a fresh German Rezept from a GP (Hausarzt) — visit fee €10–30 with Care Expatriate, or covered fully under GKV. Only prescriptions from EU/EEA doctors are recognised at German Apotheken. Bring a translated medication list to the first appointment. What does health insurance cover for medications in Germany? Public insurance (GKV) covers prescription medications with a copay of 5–10 EUR per item. Private insurance (PKV) reimburses based on the chosen plan. Incoming insurance like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) covers medications for acute conditions only. Can I use my foreign prescriptions in Germany? Foreign prescriptions are generally not accepted at German pharmacies. You need a German doctor to issue a new prescription. Bring your medication list (Medikamentenplan) to your appointment for smooth transition. How much do prescription drugs cost without insurance in Germany? Without insurance, you pay the full pharmacy price – which can range from €20 to over €200 per medication per month. With a [Care Expatriate from 58 €/month](/en/insurance-plans/care-expatriate/overview/), prescriptions for acute conditions are covered from day one. [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 24, 2026.