Insurance proof for the German Ausländerbehörde — which details must appear on the certificate
- Residence permit: Care Expatriate from €68/mo (41–60) · €246/mo (61–74) (recognised under § 5 AufenthG · up to 5 years)
- Short residence / D-visa: Care Economy from €1.00/day (0–64) · €2.95/day (65–74) (with deductible · up to 2 years · min. €10 premium)
- Schengen visit: Care Visa Protect from €0.85/day (0–64) · €2.60/day (65–74) (≤ 92 days · EU 810/2009 · min. €8.50)
Three rules that decide whether your certificate is accepted by the German Ausländerbehörde or embassy:
- 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.
- 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.
- 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
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Receive confirmation after successful application
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.
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
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.
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.
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.
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.
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€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.
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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.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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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
“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
Cameroon
“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
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“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
Australia
Now choose your plan
Recommended tariffs — residence permit (primary), D-visa bridge, Schengen visit
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
→ Complete the application, receive your instant PDF, submit your proof
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
→ Complete the application, receive your instant PDF, submit your proof
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
→ 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. Want a printable document checklist for the appointment? Document checklist for retirees. For the full overview see the foreign-retirees hub.
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 exact details must be on the insurance certificate for the German Ausländerbehörde?
Ten mandatory data points: (1) insurer's full legal name and address (e.g. HanseMerkur Reiseversicherung AG, Hamburg), (2) tariff name (e.g. Care Expatriate Basic), (3) policyholder's full name, date of birth and passport number, (4) start and end date of cover that match the requested stay, (5) territorial scope (Germany / Schengen / worldwide), (6) minimum sum insured (≥ €30,000 Schengen, unlimited for § 5 AufenthG), (7) inpatient + outpatient + medication cover, (8) medically necessary repatriation (Rücktransport), (9) deductible (Selbstbeteiligung) disclosed in € per case or per year, (10) bilingual German/English version with QR-verifiable certificate code. The recognised long-term lane is <a href="/en/insurance-plans/care-expatriate/overview/" class="text-primary underline underline-offset-2">Care Expatriate from €68/month (41–60) · €246/month (61–74)</a>.
Why was my certificate rejected at the embassy or Ausländerbehörde?
The four most common reasons: missing repatriation (Rücktransport) clause, sum insured below €30,000 for Schengen or below the inpatient/outpatient minimums for § 5 AufenthG, exclusion of acute illness during the first days, or no German version. <a href="/en/insurance-plans/care-visa-protect/overview/" class="text-primary underline underline-offset-2">Care Visa Protect from €0.85/day (0–64) · €2.60/day (65–74)</a> meets EU Regulation 810/2009, and <a href="/en/insurance-plans/care-economy/overview/" class="text-primary underline underline-offset-2">Care Economy from €1.00/day (0–64) · €2.95/day (65–74)</a> covers stays up to 2 years — both issued in German + English with a Hamburg correspondence address.
How fast can I get a certificate the Ausländerbehörde accepts?
10 minutes online. After payment HanseMerkur emails the bilingual German/English PDF certificate within minutes — accepted by every German embassy and Ausländerbehörde under § 5 AufenthG. No medical exam, no health questions for standard tier cover. The PDF carries the insurer's full legal name, tariff, holder, validity dates, sum insured, repatriation clause and a QR code the case officer can verify on the spot.