--- title: "From €246/mo · Retirees Abroad Cover · Germany" description: "Health insurance proofs for foreign retirees in Germany — Care Expatriate from €246/month (61–74), S1 form for EU pensioners, residence permit checklist." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health insurance for foreign retirees in Germany — which proofs are typically required?", "description": "Health insurance proofs for foreign retirees in Germany — Care Expatriate from €246/month (61–74), S1 form for EU pensioners, residence permit checklist.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-08-27", "dateModified": "2026-09-07", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "European Health Insurance Card", "url": "https://en.wikipedia.org/wiki/European_Health_Insurance_Card" }, { "@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": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@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": "Foreign Retirees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/" }, { "@type": "ListItem", "position": 4, "name": "Insurance Proofs for Foreign Retirees (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority 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": "Which insurance proofs do foreign retirees typically need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "A German-language private Incoming certificate covering the full permit duration, with ≥ €30,000 medical, repatriation and Ausländerbehörde-recognised wording. Care Expatriate from €68/month (age 41–60) or €246/month (age 61–74) issues the compliant PDF same-day for § 7 or § 36 AufenthG files." } }, { "@type": "Question", "name": "Do EU pensioners need Care Expatriate or the S1 form in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "EU pensioners with a state pension from another EU/EEA state usually use EU Form S1 (Regulation 883/2004) which grants free GKV access via AOK/DAK. Non-EU retirees and EU retirees without qualifying pension use Care Expatriate from €246/month (age 61–74) instead." } }, { "@type": "Question", "name": "Are travel policies from home country accepted for retiree residence permits?", "acceptedAnswer": { "@type": "Answer", "text": "No — § 5 AufenthG requires a recognised Incoming or GKV certificate. Home-country policies (US Medicare, UK NHS, ADAC-style travel) are refused because they lack the required German-language wording, repatriation clause and long-stay conformity. Care Expatriate PDF from €68/month satisfies the check." } }, { "@type": "Question", "name": "How long must the certificate be valid for the Ausländerbehörde appointment?", "acceptedAnswer": { "@type": "Answer", "text": "For the full requested permit duration — typically 12 months minimum. Care Expatriate runs 1–60 months from €246/month (age 61–74) with monthly cancellation under § 205 VVG. Certificates dated less than the permit period are commonly rejected." } }, { "@type": "Question", "name": "What if my retiree residence permit is refused after I insured with Care Expatriate?", "acceptedAnswer": { "@type": "Answer", "text": "Cancel monthly with 1-month notice under § 205 VVG — no long-term commitment. Care Expatriate refunds unused premium pro-rata if you cancel before the start date. This makes it low-risk to sign the certificate before the Ausländerbehörde appointment." } }, { "@type": "Question", "name": "Does Germany require health insurance for retired foreigners?", "acceptedAnswer": { "@type": "Answer", "text": "Yes – retired foreigners need proof of health insurance (Krankenversicherungsnachweis) for their residence permit. Options include statutory insurance (GKV), private insurance (PKV), or incoming insurance like Care Expatriate starting at 246 €/month for ages 61–74." } }, { "@type": "Question", "name": "What documents do retirees from abroad need for German health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Typically: insurance certificate with name (as in passport), coverage period, and territorial scope. Additionally: pension statement, passport, and residence permit application. EU retirees may use the S1 form." } }, { "@type": "Question", "name": "Can I use my home country insurance as a retiree in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "EU retirees can transfer their insurance via the S1 form – apply at your home insurer and register with a German health fund. Non-EU retirees typically need German insurance. Care Expatriate from 246 €/month is a practical option for retirees aged 61–74 without GKV access." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance proofs do foreign retirees typically need in Germany?", "text": "Which insurance proofs do foreign retirees typically need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A German-language private Incoming certificate covering the full permit duration, with ≥ €30,000 medical, repatriation and Ausländerbehörde-recognised wording. Care Expatriate from €68/month (age 41–60) or €246/month (age 61–74) issues the compliant PDF same-day for § 7 or § 36 AufenthG files.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do EU pensioners need Care Expatriate or the S1 form in Germany?", "text": "Do EU pensioners need Care Expatriate or the S1 form in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU pensioners with a state pension from another EU/EEA state usually use EU Form S1 (Regulation 883/2004) which grants free GKV access via AOK/DAK. Non-EU retirees and EU retirees without qualifying pension use Care Expatriate from €246/month (age 61–74) instead.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Are travel policies from home country accepted for retiree residence permits?", "text": "Are travel policies from home country accepted for retiree residence permits?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — § 5 AufenthG requires a recognised Incoming or GKV certificate. Home-country policies (US Medicare, UK NHS, ADAC-style travel) are refused because they lack the required German-language wording, repatriation clause and long-stay conformity. Care Expatriate PDF from €68/month satisfies the check.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long must the certificate be valid for the Ausländerbehörde appointment?", "text": "How long must the certificate be valid for the Ausländerbehörde appointment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For the full requested permit duration — typically 12 months minimum. Care Expatriate runs 1–60 months from €246/month (age 61–74) with monthly cancellation under § 205 VVG. Certificates dated less than the permit period are commonly rejected.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What if my retiree residence permit is refused after I insured with Care Expatriate?", "text": "What if my retiree residence permit is refused after I insured with Care Expatriate?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Cancel monthly with 1-month notice under § 205 VVG — no long-term commitment. Care Expatriate refunds unused premium pro-rata if you cancel before the start date. This makes it low-risk to sign the certificate before the Ausländerbehörde appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does Germany require health insurance for retired foreigners?", "text": "Does Germany require health insurance for retired foreigners?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes – retired foreigners need proof of health insurance (Krankenversicherungsnachweis) for their residence permit. Options include statutory insurance (GKV), private insurance (PKV), or incoming insurance like Care Expatriate starting at 246 €/month for ages 61–74.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What documents do retirees from abroad need for German health insurance?", "text": "What documents do retirees from abroad need for German health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Typically: insurance certificate with name (as in passport), coverage period, and territorial scope. Additionally: pension statement, passport, and residence permit application. EU retirees may use the S1 form.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use my home country insurance as a retiree in Germany?", "text": "Can I use my home country insurance as a retiree in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU retirees can transfer their insurance via the S1 form – apply at your home insurer and register with a German health fund. Non-EU retirees typically need German insurance. Care Expatriate from 246 €/month is a practical option for retirees aged 61–74 without GKV access.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "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 retiree lane (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. Insurance Proofs for Foreign Retirees (Germany) Foreign retirees almost never qualify for KVdR (9/10 rule) — without a recognised insurance proof the Ausländerbehörde pauses the residence permit. The lane depends on EU vs. non-EU passport. # Health insurance for foreign retirees in Germany — which proofs are typically required? 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 couple holding a German residence permit and an insurance certificate at the Ausländerbehörde — Care Expatriate from €68/month (ages 41–60) and €246/month (ages 61–74) is the recognised long-term Incoming lane](/assets/aufenthaltserlaubnis-rentner-deutschland--SjhSpkd.jpg) - [Non-EU retiree (long-term): Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (vs. ~€830/day inpatient · § 5 AufenthG) - [EU pensioner (S1 bridge): Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) (vs. €180–€350 GP visit · 4–8 wks S1 wait) - [Pre-existing condition: Substitutive PKV (with health questions)](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/) (vs. exclusion under every Incoming AVB) Non-EU long-term Expatriate €68–€246/mo EU S1 bridge Economy €30/30d Family reunion § 36 AufenthG · 5 yrs Three rules that decide which proof the Ausländerbehörde accepts from a foreign retiree: 1. 1 **Non-EU retiree (USA, Russia, Turkey, China, India):** Home insurance cannot be transferred — the recognised long-term lane is [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/) (HanseMerkur, ages 0–74, up to 5 years per contract, § 5 AufenthG). 2. 2 **EU pensioner (S1 form):** Home insurance fund issues the Portable Document S1 in 4–8 weeks. Bridge the gap with [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) — monthly cancellable the day the eGK arrives. 3. 3 **Entry-age locking (the largest single cost saver):** The Care Expatriate premium band is fixed by the day of policy start. Signing the day before the 61st birthday locks the €68/mo band for the full 5-year contract instead of €246/mo. EU passport or non-EU? S1 wait or already past it? [30-second retiree-lane finder →](/en/tariffinder-germany/) Inside: the six documents the Ausländerbehörde typically requests from foreign retirees · why a pure travel-insurance certificate is rejected for the residence permit · the one chronic-condition exception where Substitutive PKV beats every Incoming tariff Sources: § 5 AufenthG · § 4 AufenthG · § 5 / § 10 SGB V · HanseMerkur Care Expatriate AVB · EU Regulation 883/2004 (S1) 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: **September 7, 2026** Sources§ 5 AufenthG · § 4 AufenthG · § 5 / § 10 SGB V (Familienversicherung) · § 257 SGB V (PKV-Zuschuss) · HanseMerkur Care Expatriate AVB · EU Regulation 883/2004 (S1) · KBV-Honorarbericht 2024 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## The two recognised proof lanes for foreign retirees in Germany — and a 30-second finder for the EU vs. non-EU split. [Care Expatriate (long-term, up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (S1 bridge / short stay) 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 - Foreign retirees applying for or extending a German residence permit need a recognised health-insurance proof — without it the Ausländerbehörde will not issue or renew the permit. The recognised lanes are Care Expatriate (HanseMerkur incoming, ages 0–74, up to 5 years) from €68/month at entry age 41–60 and €246/month at entry age 61–74, and — for EU pensioners — the S1 form transferred from the home insurance fund. - What the Ausländerbehörde typically requires: an insurance certificate naming the applicant exactly as in the passport, the cover period, the territorial scope (Germany / Schengen / worldwide) and the policy number. Pure travel-insurance certificates (Reiseversicherung) are NOT accepted for the residence permit. EU retirees additionally bring the S1 form (issuance can take 4–8 weeks at the home fund — bridge with Care Economy from €30 / 30 days). - Pre-existing conditions are excluded by every Incoming product including Care Expatriate; this is a hard AVB rule. Acute conditions arising after the policy start are fully covered up to the chosen tier ceiling. For known chronic conditions a German private long-term tariff (Substitutive PKV) with health questions is the right route. Key facts at a glance Reviewed September 7, 2026 - **Care Expatriate — entry-age premium locking (calendar-day rule):** The premium band is fixed by the day of policy start. Ages 41–60 → from €68/month; ages 61–74 → from €246/month (Basic). Signing the day before the 61st birthday locks the cheaper band for the entire 5-year contract — the largest single cost saver in senior cover. (Source: HanseMerkur Care Expatriate AVB · § 12 VVG). - **S1 form (EU pensioners) — typical issuance time: 4–8 weeks:** The home insurance fund (e.g. EOPYY Greece, INSS Spain, ZUS/NFZ Poland) issues the Portable Document S1 in 4–8 weeks. Without bridge cover the residence permit cannot be issued — Care Economy from €30 / 30 days is the standard bridge. (Source: EU Regulation 883/2004 · DVKA-Praxisleitfaden). - **Pre-existing-condition exclusion (all Incoming tariffs):** Conditions known and treated before policy start are excluded across every Incoming product (Care Expatriate, Care Economy). Acute conditions arising after start are fully covered up to the chosen tier ceiling. For known chronic conditions a German Substitutive PKV with health questions is the right route. (Source: HanseMerkur Care Expatriate AVB · § 41 VVG). - **German hospital cost without cover:** A standard inpatient day in Germany averages €830 (DKG 2024). For a senior with a 4-week hospital stay that is over €23,000 out of pocket — Care Expatriate Basic at €246/month removes the risk for the full 5 years. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## Six documents the Ausländerbehörde typically requires from foreign retirees **Quick answer:** "Which documents does the German immigration office require from a foreign retiree?" — typically six: an insurance certificate (name as in passport, period, scope, policy number), the pension statement, the S1 form for EU pensioners only, the passport and residence permit, proof of sufficient financial means, and the Anmeldung confirmation. Pure travel-insurance certificates are not accepted for the residence permit. - Insurance certificate / policy with applicant name (exactly as passport), period of cover, scope (Germany / Schengen / worldwide) and policy number - Pension statement (home country or German statutory pension) - S1 form — only for EU pensioners (issued by the home insurance fund, takes 4–8 weeks) - Passport and current residence permit (or visa for first application) - Proof of sufficient financial means (Finanzierungsnachweis) - Anmeldung confirmation (Meldebescheinigung) once registered at the city office ## Three recognised proof lanes for foreign retirees — pick the one that matches your situation Lane 1 / 3 ### Non-EU retiree without GKV access — long-term Incoming lane Pensioners from the USA, Russia, Turkey, China, India, Brazil and other third countries cannot transfer their home insurance to Germany. The recognised lane for ages 0–74 is Care Expatriate (HanseMerkur incoming, up to 5 years per contract). From €68/month at entry age 41–60, €246/month at entry age 61–74 (Basic, €150 deductible). Comfort from €248, Premium with zero deductible from €432. The certificate is accepted by every Ausländerbehörde under § 5 AufenthG; PDF in German + English within minutes. Pre-existing conditions are excluded — for known chronic conditions a German Substitutive PKV with health questions is the right route. **Typical lane:** Care Expatriate · § 5 AufenthG · DE+EN certificate [Care Expatriate from €68/month →](/en/insurance-plans/care-expatriate/overview/) Lane 2 / 3 ### EU pensioner waiting for the S1 form — bridge with Care Economy EU pensioners can use the S1 form (Portable Document S1) to transfer the cover of their home insurance fund. The home fund issues the S1 in 4–8 weeks; without that gap-cover the residence permit cannot be issued and an arrival GP visit costs €180–€350 out of pocket (KBV 2024). Bridge the wait with Care Economy from €30 / 30 days (ages up to 64) — accepted by the Ausländerbehörde for short-term Incoming cover, monthly cancellable. Once the S1 lands you switch into a German statutory fund and receive the eGK. **Typical lane:** Care Economy · S1 transfer · monthly cancellable [Care Economy from €30 / 30 days →](/en/insurance-plans/care-economy/overview/) Lane 3 / 3 ### Long stay (3+ years) or family-reunion permit — Care Expatriate to maximum 60 months, then switch lane For § 36 AufenthG family reunification or planned residence beyond two years, Care Expatriate is the recognised long-term lane up to a maximum of 5 years (60 months) per contract. The premium band is locked by the entry age on the day of policy start — signing at age 60 vs. 61 is the largest single cost saver. After month 60, switch into German Substitutive PKV (with health questions), into Familienversicherung § 10 SGB V (if a German GKV-insured spouse exists, income < €535/month) or sign a fresh Care Expatriate term at the new entry age. **Typical lane:** Care Expatriate · entry-age locking · max 60 months [Long-term lane explained →](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/) ## 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. ## What happens when a foreign retiree shows up at the Ausländerbehörde without a recognised proof ## 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. ## About to turn 61? Sign Care Expatriate before the birthday and lock the cheaper band for 5 full years ## 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 application to a recognised retiree proof — 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 by every Ausländerbehörde under § 5 AufenthG. Cover and the entry-age band start on the day you select. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 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 as the recognised long-term proof for the German residence permit 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 — long-term proof and S1 bridge 🎯 Long-term proof · up to 5 years ### Care Expatriate from €68/month (41–60) · from €246/month (61–74) — 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 🛟 S1 bridge · short stay ### 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 Comparing the statutory vs. private decision frame? [Statutory or private for foreign retirees](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/). Joining adult children under § 36 AufenthG? [Parent-reunification health insurance](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-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 proof) & Care Economy (S1 bridge) **Quick answer:** Care Expatriate is the recognised long-term retiree lane: ages 41–60 from €68/month (Basic, €150 deductible); ages 61–74 from €246/month — Comfort from €248, Premium with zero deductible from €432. Care Economy bridges the S1 wait window from €30 / 30 days (up to age 64). ### Long-term — 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/) ### S1 bridge / short stay — 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 proofs for foreign retirees in Germany ## Frequently Asked Questions Which insurance proofs do foreign retirees typically need in Germany? A German-language private Incoming certificate covering the full permit duration, with ≥ €30,000 medical, repatriation and Ausländerbehörde-recognised wording. Care Expatriate from €68/month (age 41–60) or €246/month (age 61–74) issues the compliant PDF same-day for § 7 or § 36 AufenthG files. Do EU pensioners need Care Expatriate or the S1 form in Germany? EU pensioners with a state pension from another EU/EEA state usually use EU Form S1 (Regulation 883/2004) which grants free GKV access via AOK/DAK. Non-EU retirees and EU retirees without qualifying pension use Care Expatriate from €246/month (age 61–74) instead. Are travel policies from home country accepted for retiree residence permits? No — § 5 AufenthG requires a recognised Incoming or GKV certificate. Home-country policies (US Medicare, UK NHS, ADAC-style travel) are refused because they lack the required German-language wording, repatriation clause and long-stay conformity. Care Expatriate PDF from €68/month satisfies the check. How long must the certificate be valid for the Ausländerbehörde appointment? For the full requested permit duration — typically 12 months minimum. Care Expatriate runs 1–60 months from €246/month (age 61–74) with monthly cancellation under § 205 VVG. Certificates dated less than the permit period are commonly rejected. What if my retiree residence permit is refused after I insured with Care Expatriate? Cancel monthly with 1-month notice under § 205 VVG — no long-term commitment. Care Expatriate refunds unused premium pro-rata if you cancel before the start date. This makes it low-risk to sign the certificate before the Ausländerbehörde appointment. Does Germany require health insurance for retired foreigners? Yes – retired foreigners need proof of health insurance (Krankenversicherungsnachweis) for their residence permit. Options include statutory insurance (GKV), private insurance (PKV), or incoming insurance like [Care Expatriate starting at 246 €/month](/en/insurance-plans/care-expatriate/overview/) for ages 61–74. What documents do retirees from abroad need for German health insurance? Typically: insurance certificate with name (as in passport), coverage period, and territorial scope. Additionally: pension statement, passport, and residence permit application. EU retirees may use the S1 form. Can I use my home country insurance as a retiree in Germany? EU retirees can transfer their insurance via the S1 form – apply at your home insurer and register with a German health fund. Non-EU retirees typically need German insurance. [Care Expatriate from 246 €/month](/en/insurance-plans/care-expatriate/overview/) is a practical option for retirees aged 61–74 without GKV access. [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: September 7, 2026.