--- title: "From €246/mo – Insurance proof for the Ausländerbehörde" description: "Insurance certificate for the German Ausländerbehörde — the 10 required details (insurer, tariff, holder, dates, scope, cover) and tariffs from €246/mo (61–74)." 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": "Insurance proof for the German Ausländerbehörde — which details must appear on the certificate", "description": "Insurance certificate for the German Ausländerbehörde — the 10 required details (insurer, tariff, holder, dates, scope, cover) and tariffs from €246/mo (61–74).", "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": "2026-08-24", "dateModified": "2026-08-29", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Schengen Area", "url": "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": "Insurance proof — required details", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-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 details must appear on the insurance certificate for the Ausländerbehörde?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate PDF from €68/month (age 41–60) includes all ten by default. Ten items: insurer name & address, tariff name (e. g. Care Expatriate Basic/Comfort/Premium), policyholder full name & date of birth, policy number, start and end date, geographic scope (Germany + Schengen), sum insured (unlimited or ≥ €30,000), repatriation cover, deductible amount, and § 5 AufenthG conformity clause in German." } }, { "@type": "Question", "name": "Is an English-only certificate accepted by the German Ausländerbehörde?", "acceptedAnswer": { "@type": "Answer", "text": "No — the certificate must be in German or bilingual DE/EN. Care Expatriate (from €68/month, ages 41–60) and Care Visa Protect (from €0.85/day, ages up to 64) issue bilingual PDFs at signup. Foreign-language-only policies are commonly rejected at the appointment." } }, { "@type": "Question", "name": "What minimum sum insured does the Ausländerbehörde require?", "acceptedAnswer": { "@type": "Answer", "text": "At least €30,000 for Schengen visas (EU Reg. 810/2009) and effectively unlimited for national residence permits under § 5 AufenthG. Care Expatriate offers €1M (Basic) up to unlimited (Premium). Low-cap travel policies (€30k, no repatriation) are refused for stays over 90 days." } }, { "@type": "Question", "name": "Must the certificate name repatriation of mortal remains explicitly?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — § 5 AufenthG interpretation across Länder requires explicit repatriation and medically necessary return-transport wording. Care Expatriate lists both up to €25,000 (Basic) / unlimited (Premium) — pure travel policies typically miss this clause." } }, { "@type": "Question", "name": "Can the insurance start date be later than the residence-permit start date?", "acceptedAnswer": { "@type": "Answer", "text": "No — cover must be uninterrupted from the day of entry (§ 5 (1) Nr. 1 AufenthG). Care Expatriate lets you pick a start date up to 30 days ahead from €68/month (age 41–60) or €246/month (age 61–74); backdating is not possible." } }, { "@type": "Question", "name": "What information must my insurance certificate contain for the foreigners office?", "acceptedAnswer": { "@type": "Answer", "text": "Your certificate must include your full name, date of birth, coverage period, territorial scope (Germany/Schengen), and scope of cover (outpatient, inpatient, repatriation). Care Expatriate – from €58/month provides a certificate meeting all requirements." } }, { "@type": "Question", "name": "Is a PDF printout accepted by the Ausländerbehörde?", "acceptedAnswer": { "@type": "Answer", "text": "Most foreigners offices accept PDF printouts – but some require the original document. Check with your local office beforehand. Care Expatriate delivers the certificate instantly via email as PDF." } }, { "@type": "Question", "name": "What happens if my insurance certificate is rejected at the foreigners office?", "acceptedAnswer": { "@type": "Answer", "text": "You will need to request an updated certificate from your insurer, which can delay your residence permit application by 2–6 weeks. With Care Expatriate, you receive a compliant certificate within minutes – including all mandatory fields required by German authorities." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which details must appear on the insurance certificate for the Ausländerbehörde?", "text": "Which details must appear on the insurance certificate for the Ausländerbehörde?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate PDF from €68/month (age 41–60) includes all ten by default. Ten items: insurer name & address, tariff name (e. g. Care Expatriate Basic/Comfort/Premium), policyholder full name & date of birth, policy number, start and end date, geographic scope (Germany + Schengen), sum insured (unlimited or ≥ €30,000), repatriation cover, deductible amount, and § 5 AufenthG conformity clause in German.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is an English-only certificate accepted by the German Ausländerbehörde?", "text": "Is an English-only certificate accepted by the German Ausländerbehörde?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — the certificate must be in German or bilingual DE/EN. Care Expatriate (from €68/month, ages 41–60) and Care Visa Protect (from €0.85/day, ages up to 64) issue bilingual PDFs at signup. Foreign-language-only policies are commonly rejected at the appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What minimum sum insured does the Ausländerbehörde require?", "text": "What minimum sum insured does the Ausländerbehörde require?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "At least €30,000 for Schengen visas (EU Reg. 810/2009) and effectively unlimited for national residence permits under § 5 AufenthG. Care Expatriate offers €1M (Basic) up to unlimited (Premium). Low-cap travel policies (€30k, no repatriation) are refused for stays over 90 days.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Must the certificate name repatriation of mortal remains explicitly?", "text": "Must the certificate name repatriation of mortal remains explicitly?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — § 5 AufenthG interpretation across Länder requires explicit repatriation and medically necessary return-transport wording. Care Expatriate lists both up to €25,000 (Basic) / unlimited (Premium) — pure travel policies typically miss this clause.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can the insurance start date be later than the residence-permit start date?", "text": "Can the insurance start date be later than the residence-permit start date?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — cover must be uninterrupted from the day of entry (§ 5 (1) Nr. 1 AufenthG). Care Expatriate lets you pick a start date up to 30 days ahead from €68/month (age 41–60) or €246/month (age 61–74); backdating is not possible.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What information must my insurance certificate contain for the foreigners office?", "text": "What information must my insurance certificate contain for the foreigners office?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Your certificate must include your full name, date of birth, coverage period, territorial scope (Germany/Schengen), and scope of cover (outpatient, inpatient, repatriation). Care Expatriate – from €58/month provides a certificate meeting all requirements.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is a PDF printout accepted by the Ausländerbehörde?", "text": "Is a PDF printout accepted by the Ausländerbehörde?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Most foreigners offices accept PDF printouts – but some require the original document. Check with your local office beforehand. Care Expatriate delivers the certificate instantly via email as PDF.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens if my insurance certificate is rejected at the foreigners office?", "text": "What happens if my insurance certificate is rejected at the foreigners office?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "You will need to request an updated certificate from your insurer, which can delay your residence permit application by 2–6 weeks. With Care Expatriate, you receive a compliant certificate within minutes – including all mandatory fields required by German authorities.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-29", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Expatriate — recognised long-term residence 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 proof — required details A generic policy number is NOT enough. The Ausländerbehörde wants 10 specific data points on the certificate — missing even one (repatriation, German version, sum insured) triggers a rejection. # Insurance proof for the German Ausländerbehörde — which details must appear on the certificate 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/) ![Insurance certificate (Versicherungsnachweis) for the German Ausländerbehörde — required fields and recognised tariffs Care Visa Protect, Care Economy, Care Expatriate](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [Residence permit: Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (recognised under § 5 AufenthG · up to 5 years) - [Short residence / D-visa: Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over)](/en/insurance-plans/care-economy/overview/) (with deductible · up to 2 years · min. €10 premium) - [Schengen visit: Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/) (≤ 92 days · EU 810/2009 · min. €8.50) Residence Expatriate ≤ 5 yrs D-visa Economy ≤ 2 yrs Schengen Visa Protect ≤ 92 d Three rules that decide whether your certificate is accepted by the German Ausländerbehörde or embassy : 1. 1 **Long-term residence (default for retirees) → Care Expatriate:** the recognised long-term Incoming product covering all 10 mandatory fields, including unlimited inpatient sum and bilingual certificate — [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/), accepted by every Ausländerbehörde under § 5 AufenthG, up to 5 years per contract. 2. 2 **Short residence / D-visa or bridge → Care Economy:** per-day pricing covers stays from 1 day up to 2 years — [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/), recognised under § 5 AufenthG with German + English certificate. 3. 3 **Schengen visit → Care Visa Protect:** €30,000 minimum sum + repatriation + Schengen-wide validity, fully EU 810/2009 compliant — bilingual PDF within minutes. Not sure which lane your case needs? [30-second insurance-proof finder →](/en/tariffinder-germany/) Inside: the four reasons embassies most often reject a certificate · why a 'worldwide' policy can still fail the Ausländerbehörde · the QR-verifiable PDF that case officers prefer Sources: EU Regulation 810/2009 (Visa Code) · § 5 AufenthG · § 36 AufenthG · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Visa Protect AVB · Auswärtiges Amt Visa Guidance 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 29, 2026** SourcesEU Regulation 810/2009 · § 5 AufenthG · § 36 AufenthG · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Visa Protect AVB · Auswärtiges Amt · DKG-Krankenhausstatistik 2024 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Care Expatriate is the recognised certificate for retiree residence permits — covers all 10 mandatory fields, accepted by every Ausländerbehörde under § 5 AufenthG, up to 5 years per contract. [Care Expatriate (residence permit, up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (D-visa / 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 - The German Ausländerbehörde and the embassy do not accept a generic policy number — the insurance certificate (Versicherungsnachweis / Versicherungsbestätigung) must show ten data points: (1) full legal name of the insurer (e.g. HanseMerkur Reiseversicherung AG, Hamburg), (2) tariff name (Care Visa Protect / Care Economy / Care Expatriate), (3) policyholder full name + date of birth + passport number, (4) start and end date of cover matching the requested stay, (5) territorial scope (Germany / Schengen / worldwide), (6) minimum sum insured (≥ €30,000 for Schengen, unlimited for residence permits), (7) inpatient + outpatient + medication cover, (8) medically necessary repatriation (Rücktransport), (9) deductible disclosure, (10) bilingual German/English version with insurer signature or QR-verifiable code. - Recognised lanes by stay length: Schengen visit (≤ 90 days) → Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74), EU 810/2009 compliant. National D-visa or short residence (1 day–2 years) → Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) (with deductible, min. €10 premium). Long-term residence permit (12 months–5 years) → Care Expatriate from €68/month (41–60) · €246/month (61–74), accepted by every Ausländerbehörde under § 5 AufenthG. - Why generic travel insurance is rejected: missing repatriation clause, sum insured below €30,000, exclusion of acute illness on arrival, no German-language version, no insurer's German correspondence address. Care Visa Protect, Care Economy and Care Expatriate are issued in German + English by HanseMerkur with a Hamburg correspondence address — the PDF certificate is downloadable within minutes after payment. Key facts at a glance Reviewed August 29, 2026 - **EU Regulation 810/2009 — Schengen minimum:** Sum insured ≥ €30,000, valid in all Schengen states, includes medically necessary repatriation. Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74) is fully compliant. (Source: EU Regulation 810/2009 (Visa Code) Annex II). - **§ 5 AufenthG — residence permit minimum:** The Ausländerbehörde requires recognised cover from day 1 for inpatient + outpatient + medication. The recognised long-term Incoming product is Care Expatriate from €68/month (41–60) · €246/month (61–74), up to 5 years per contract. (Source: Aufenthaltsgesetz § 5 · BAMF). - **Cost of one rejected certificate:** A rejected certificate at the embassy commonly delays the visa by 4–8 weeks and can cost a re-application fee of €75–€80. A standard inpatient day in Germany averages €830 (DKG 2024) — without recognised cover the spouse pays the full bill. (Source: Auswärtiges Amt Gebührenverordnung · DKG-Krankenhausstatistik 2024). ## The 10 mandatory data points on the insurance certificate **Quick answer:** "Which details must be on an insurance proof for the German Ausländerbehörde?" — ten fields: insurer's full legal name + address, tariff name, holder data with passport, validity dates matching the stay, territorial scope, sum insured (≥ €30,000 Schengen / unlimited for residence), inpatient + outpatient + medication, repatriation, deductible disclosure, bilingual German/English version with verifiable code. - **1\. Insurer's full legal name + address.** Not 'HanseMerkur' alone — the certificate must show 'HanseMerkur Reiseversicherung AG, Siegfried-Wedells-Platz 1, 20354 Hamburg' (German correspondence address required by Ausländerbehörden). - **2\. Tariff name (Tarifbezeichnung).** Care Visa Protect / Care Economy / Care Expatriate + tier (Basic, Comfort, Premium) — never just 'Reisekrankenversicherung'. - **3\. Holder: name, DOB, passport number.** Full name as in passport, date of birth, passport number — must match the visa application data character-by-character. - **4\. Start + end date of cover.** Dates must match the requested stay. Schengen visa: cover ≥ visa validity. § 5 AufenthG: cover from the registered entry date until the residence permit is issued. - **5\. Territorial scope.** 'Germany' for residence, 'Schengen states' for Schengen visa, 'worldwide incl. country of origin' for Care Expatriate. A US-only or worldwide-without-Schengen policy is rejected. - **6\. Minimum sum insured.** ≥ €30,000 for Schengen visas (EU 810/2009). For residence permits the Ausländerbehörde requires unlimited or 'in unbegrenzter Höhe' for inpatient + outpatient + medication. - **7\. Inpatient + outpatient + medication.** All three explicitly listed: stationäre Heilbehandlung, ambulante Heilbehandlung, Arznei- und Verbandmittel. Missing one is grounds for rejection. - **8\. Medically necessary repatriation.** Mandatory for Schengen (EU 810/2009) and strongly expected for residence permits: 'medizinisch notwendiger Rücktransport in das Heimatland'. - **9\. Deductible (Selbstbeteiligung) disclosed.** If present, must be stated in € per case or per year. Care Visa Protect: €0 deductible. Care Economy: deductible variant. Care Expatriate Basic: €150/year deductible — all printed on the certificate. - **10\. Bilingual German/English + QR code.** PDF in German and English, issued by HanseMerkur with a verifiable certificate code (QR or URL). Embassies and Ausländerbehörden can verify the certificate online — fastest path to a 'genehmigt' stamp. ## The three certificate lanes — residence permit (primary), D-visa, Schengen visit Lane 1 / 3 ### Long-term residence permit (12 months – 5 years) The recognised long-term lane: Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74 (Basic / Comfort / Premium variants). Up to 5 years per contract; PDF certificate in German + English by email within minutes; § 5 AufenthG re-checks at every renewal. This is the lane every retiree applying under § 36 AufenthG (family reunion) or § 7 AufenthG (general residence) ends up in. **Need:** Care Expatriate · ≤ 5 years · § 5 AufenthG [Care Expatriate from €68/month (41–60) · €246/month (61–74) →](/en/insurance-plans/care-expatriate/overview/) Lane 2 / 3 ### National D-visa / short residence (≤ 2 years) Care Economy: per-day pricing by age — from €1.00/day for ages up to 64 (with deductible) and from €2.95/day for ages 65 and over (with deductible), minimum €10 premium. Recognised by every Ausländerbehörde for stays up to 2 years and switchable to Care Expatriate the moment a long-term residence permit is granted. **Need:** Care Economy · ≤ 2 years · § 5 AufenthG [Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) →](/en/insurance-plans/care-economy/overview/) Lane 3 / 3 ### Schengen visit (≤ 90 days) Care Visa Protect: from €0.85/day (up to age 64) and €2.60/day (65–74), minimum €8.50 premium. Sum insured €1,000,000, repatriation included, valid in all 29 Schengen states — fully EU Regulation 810/2009 compliant. Bilingual certificate issued within minutes. **Need:** Care Visa Protect · ≤ 92 days · EU 810/2009 [Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74) →](/en/insurance-plans/care-visa-protect/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. ## Wrong certificate at the embassy — visa delayed 4–8 weeks and €830/day risk on arrival ## 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. ## Embassy interview booked? Pick the right certificate lane first — residence, D-visa or Schengen ## 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 embassy-ready certificate — in 3 steps 10 minutes online. No medical exam, no health questions for standard tier cover. Bilingual German + English PDF certificate by email within minutes — covers all 10 mandatory fields and carries a QR-verifiable code. ## 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 certificates accepted at the Ausländerbehörde 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 — residence permit (primary), D-visa bridge, Schengen visit 🎯 Residence permit · 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 🛟 D-visa / bridge ≤ 2 years ### 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 🛂 Schengen visit · ≤ 92 days ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof Need the full proofs list the Ausländerbehörde commonly asks for? [Required proofs for foreign retirees](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/). Want a printable document checklist for the appointment? [Document checklist for retirees](/en/guide-health-insurance-germany/health-insurance-retirees-germany/checklist-which-documents-retirees-at-application-authority-common-need-germany/). For the full overview see the [foreign-retirees hub](/en/guide-health-insurance-germany/health-insurance-retirees-germany/). ## Full price tables — Care Expatriate (residence), Care Economy (D-visa), Care Visa Protect (Schengen) **Quick answer:** Care Expatriate is the recognised residence-permit lane: ages 41–60 from €68/month (Basic, €150 deductible); ages 61–74 from €246/month — up to 5 years per contract. Care Economy bridges 1 day to 2 years with per-day pricing by age (€1.00/day for up to age 64, €2.95/day for 65–74, both with deductible). Care Visa Protect covers a Schengen visit at €0.85/day (0–64) and €2.60/day (65–74). ### Residence permit — Care Expatriate (ages 0–74, up to 5 years) Care 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/) ### D-visa / 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/) ### Schengen visit — Care Visa Protect (≤ 92 days) Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ## FAQ — Insurance certificate fields for the Ausländerbehörde ## Frequently Asked Questions Which details must appear on the insurance certificate for the Ausländerbehörde? Care Expatriate PDF from €68/month (age 41–60) includes all ten by default. Ten items: insurer name & address, tariff name (e. g. Care Expatriate Basic/Comfort/Premium), policyholder full name & date of birth, policy number, start and end date, geographic scope (Germany + Schengen), sum insured (unlimited or ≥ €30,000), repatriation cover, deductible amount, and § 5 AufenthG conformity clause in German. Is an English-only certificate accepted by the German Ausländerbehörde? No — the certificate must be in German or bilingual DE/EN. Care Expatriate (from €68/month, ages 41–60) and Care Visa Protect (from €0.85/day, ages up to 64) issue bilingual PDFs at signup. Foreign-language-only policies are commonly rejected at the appointment. What minimum sum insured does the Ausländerbehörde require? At least €30,000 for Schengen visas (EU Reg. 810/2009) and effectively unlimited for national residence permits under § 5 AufenthG. Care Expatriate offers €1M (Basic) up to unlimited (Premium). Low-cap travel policies (€30k, no repatriation) are refused for stays over 90 days. Must the certificate name repatriation of mortal remains explicitly? Yes — § 5 AufenthG interpretation across Länder requires explicit repatriation and medically necessary return-transport wording. Care Expatriate lists both up to €25,000 (Basic) / unlimited (Premium) — pure travel policies typically miss this clause. Can the insurance start date be later than the residence-permit start date? No — cover must be uninterrupted from the day of entry (§ 5 (1) Nr. 1 AufenthG). Care Expatriate lets you pick a start date up to 30 days ahead from €68/month (age 41–60) or €246/month (age 61–74); backdating is not possible. What information must my insurance certificate contain for the foreigners office? Your certificate must include your full name, date of birth, coverage period, territorial scope (Germany/Schengen), and scope of cover (outpatient, inpatient, repatriation). [Care Expatriate – from €58/month](/en/insurance-plans/care-expatriate/overview/) provides a certificate meeting all requirements. Is a PDF printout accepted by the Ausländerbehörde? Most foreigners offices accept PDF printouts – but some require the original document. Check with your local office beforehand. Care Expatriate delivers the certificate instantly via email as PDF. What happens if my insurance certificate is rejected at the foreigners office? You will need to request an updated certificate from your insurer, which can delay your residence permit application by 2–6 weeks. With [Care Expatriate](/en/insurance-plans/care-expatriate/overview/), you receive a compliant certificate within minutes – including all mandatory fields required by German authorities. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: August 29, 2026.