+49 228 97735-44· German & English spoken
    Health Insurance for Foreigners in Germany
    All tariffsFind a tariff
    Find a tariff
    Care Expatriate — recognised long-term residence lane (up to 5 years)from €68/month (41–60) · from €246/month (61–74)
    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/monthEntry age 61–74: from €246/month
    4.9/5 · Over 10,000 policies since 2009
    Insurance certificate (Versicherungsnachweis) for the German Ausländerbehörde — required fields and recognised tariffs Care Visa Protect, Care Economy, Care Expatriate
    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. 1Long-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), accepted by every Ausländerbehörde under § 5 AufenthG, up to 5 years per contract.
    2. 2Short 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), recognised under § 5 AufenthG with German + English certificate.
    3. 3Schengen 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 →

    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

    4.9/5

    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.

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

    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) →
    Lane 2 / 3

    National D-visa / short residence (≤ 2 years)

    Care Economy: per-day pricing by age — from €1.00/day for ages 0–64 (with deductible) and from €2.95/day for ages 65–74 (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 (0–64) · €2.95/day (65–74) →
    Lane 3 / 3

    Schengen visit (≤ 90 days)

    Care Visa Protect: from €0.85/day (0–64) 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 (0–64) · €2.60/day (65–74) →

    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. Pick the right plan

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

    2. Apply online

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

    3. Submit your proof

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

    What foreign retirees say about Care Expatriate certificates accepted at the Ausländerbehörde

    4.9/5 · Since 2009 · Over 10,000 policies issued
    5/5
    “My biggest worry was that the embassy wouldn't accept the insurance.
    The proof was accepted immediately — no questions asked.
    That saved me a lot of stress.”
    Georges from Cameroon

    Georges

    Cameroon

    5/5
    “I needed proof of insurance urgently for my visa appointment.
    The confirmation arrived within minutes by email.
    Everything worked first time at the embassy.”
    Olga from Russia

    Olga

    Russia

    5/5
    “Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
    Fast, simple and affordable.
    Highly recommended!”
    Michael from Germany

    Michael

    Germany

    5/5
    “The online sign-up was done in just a few minutes.
    When I actually had to see a doctor, the billing went smoothly.
    I was really covered — not just on paper.”
    Yunhee from Australia

    Yunhee

    Australia

    Now choose your plan

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

    Full price tables — Care Expatriate (residence), Care Economy (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 0–64, €2.95/day for 65–74, both with deductible). Care Visa Protect covers a Schengen visit at €0.85/day (0–64) and €2.60/day (65–74).

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

    Care Expatriateworldwide without USA, Canada and Mexico
    Basic
    BestsellerComfort
    Premium
    Deductible / yr
    150,–
    Deductible / yr
    150,–
    Deductible / yr
    500,–
    Deductible / yr
    0,–
    Deductible / yr
    500,–
    Deductible / yr
    1.000,–
    Entry age:0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,–
    Entry age:13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,–
    Entry age:41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,–
    Entry age:61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,–

    All prices per month/person in euros. Deductible applies per insurance year. As of 2026.

    D-visa / bridge — Care Economy (1 day – 2 years)

    Care Economy
    Duration
    Bestsellerup to 64
    up to 64
    Bestseller65+
    65+
    no deductible with deductible no deductible with deductible
    up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day
    91–180 days €1.59/day €1.35/day €4.37/day €3.70/day
    181–365 days €2.30/day €1.95/day €5.84/day €4.95/day
    366–730 days €2.83/day €2.40/day €9.32/day €7.90/day

    All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026.

    Schengen visit — Care Visa Protect (≤ 92 days)

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

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

    FAQ — 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 S/M/XL), 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?

    Care Expatriate and Care Visa Protect issue bilingual PDFs at signup (from €68/month age 41–60, €0. No — the certificate must be in German or bilingual DE/EN. 85/day age 61–74). 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 (XL). 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 (XL) — 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 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, you receive a compliant certificate within minutes – including all mandatory fields required by German authorities.