--- title: "From €246/mo – Elternnachzug retired parents Germany" description: "Parent reunification (Elternnachzug) for retired parents in Germany — § 36 (2) AufenthG hardship clause, embassy proofs, cover from €246/month (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": "Parent reunification for retired parents — typical health-insurance requirements and proofs in Germany", "description": "Parent reunification (Elternnachzug) for retired parents in Germany — § 36 (2) AufenthG hardship clause, embassy proofs, cover from €246/month (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": "2026-09-01", "dateModified": "2026-08-29", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "European Health Insurance Card", "url": "https://en.wikipedia.org/wiki/European_Health_Insurance_Card" }, { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Retirees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/" }, { "@type": "ListItem", "position": 4, "name": "Parent Reunification (Retired Parents) in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Which insurance proof is required for parent reunification (§ 36 AufenthG)?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €246/month (age 61–74) is the standard — PDF issued same day. A German-language private insurance certificate covering the full permit duration. Travel and Schengen policies are rejected under § 5 AufenthG." } }, { "@type": "Question", "name": "Are parents automatically covered by their child's DAK Familienversicherung?", "acceptedAnswer": { "@type": "Answer", "text": "No — § 10 SGB V covers only spouses and children under 25 — never parents. Reuniting parents need private cover (Care Expatriate €246–432/month age 61–74) or voluntary GKV (~€900/month max)." } }, { "@type": "Question", "name": "How much does parent-reunification insurance cost yearly in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate age 61–74: €2,952/year (Basic) up to €5,184/year (Premium, SB 0). Care Economy for shorter visits: from about €89 / 30 days (ages 65 and over). Both accepted under § 36 AufenthG and § 5 AufenthG." } }, { "@type": "Question", "name": "Which pre-arrival documents are needed for parent reunification?", "acceptedAnswer": { "@type": "Answer", "text": "Passport, biometric photo, invitation letter from the sponsoring child, financial guarantee (Verpflichtungserklärung under § 68 AufenthG), rental confirmation and insurance certificate. Care Expatriate provides the last one PDF from €246/month." } }, { "@type": "Question", "name": "Does the German embassy accept Care Expatriate for parent-reunification visas?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — bilingual DE/EN PDF issued from €246/month (age 61–74) — no separate translation cost. Care Expatriate is listed as an accepted Incoming tariff by all German embassies (Auswärtiges Amt guidance)." } }, { "@type": "Question", "name": "What health insurance do parents need for family reunification in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Parents joining their children in Germany need their own health insurance – they cannot be covered under statutory family insurance (Familienversicherung). Care Expatriate from 58 €/month provides an authority-compliant certificate for the residence permit." } }, { "@type": "Question", "name": "Is statutory health insurance (GKV) available for parents moving to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Usually not. Parents arriving through family reunification typically do not qualify for GKV. A private incoming insurance like Care Expatriate is the standard solution, starting from 58 €/month." } }, { "@type": "Question", "name": "How much does health insurance cost for elderly parents in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For parents aged 61–74, Care Expatriate starts from 246 €/month (Basic tier). Without insurance, a single hospital day in Germany costs around 830 € on average." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance proof is required for parent reunification (§ 36 AufenthG)?", "text": "Which insurance proof is required for parent reunification (§ 36 AufenthG)?", "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 from €246/month (age 61–74) is the standard — PDF issued same day. A German-language private insurance certificate covering the full permit duration. Travel and Schengen policies are rejected under § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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": "Are parents automatically covered by their child's DAK Familienversicherung?", "text": "Are parents automatically covered by their child's DAK Familienversicherung?", "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 — § 10 SGB V covers only spouses and children under 25 — never parents. Reuniting parents need private cover (Care Expatriate €246–432/month age 61–74) or voluntary GKV (~€900/month max).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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": "How much does parent-reunification insurance cost yearly in Germany?", "text": "How much does parent-reunification insurance cost yearly in Germany?", "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 age 61–74: €2,952/year (Basic) up to €5,184/year (Premium, SB 0). Care Economy for shorter visits: from about €89 / 30 days (ages 65 and over). Both accepted under § 36 AufenthG and § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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": "Which pre-arrival documents are needed for parent reunification?", "text": "Which pre-arrival documents are needed for parent reunification?", "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": "Passport, biometric photo, invitation letter from the sponsoring child, financial guarantee (Verpflichtungserklärung under § 68 AufenthG), rental confirmation and insurance certificate. Care Expatriate provides the last one PDF from €246/month.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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": "Does the German embassy accept Care Expatriate for parent-reunification visas?", "text": "Does the German embassy accept Care Expatriate for parent-reunification visas?", "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 — bilingual DE/EN PDF issued from €246/month (age 61–74) — no separate translation cost. Care Expatriate is listed as an accepted Incoming tariff by all German embassies (Auswärtiges Amt guidance).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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 health insurance do parents need for family reunification in Germany?", "text": "What health insurance do parents need for family reunification in Germany?", "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": "Parents joining their children in Germany need their own health insurance – they cannot be covered under statutory family insurance (Familienversicherung). Care Expatriate from 58 €/month provides an authority-compliant certificate for the residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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 statutory health insurance (GKV) available for parents moving to Germany?", "text": "Is statutory health insurance (GKV) available for parents moving to Germany?", "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": "Usually not. Parents arriving through family reunification typically do not qualify for GKV. A private incoming insurance like Care Expatriate is the standard solution, starting from 58 €/month.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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": "How much does health insurance cost for elderly parents in Germany?", "text": "How much does health insurance cost for elderly parents in Germany?", "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": "For parents aged 61–74, Care Expatriate starts from 246 €/month (Basic tier). Without insurance, a single hospital day in Germany costs around 830 € on average.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/parent-reunification-parents-as-retirees-health-insurance-typical-requirements-proofs-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 lane for Elternnachzug (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. Parent Reunification (Retired Parents) in Germany Parent reunification (Elternnachzug) under § 36 (2) AufenthG is granted only as an exceptional hardship case — the embassy file must include recognised health insurance from day 1. The recognised long-term lane for retired parents is Care Expatriate. # Parent reunification for retired parents — typical health-insurance requirements and proofs in Germany 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/) ![Retired parent reunification (Elternnachzug) in Germany — Care Expatriate certificate accepted by German embassies under § 36 AufenthG](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [Elternnachzug residence: Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (recognised under § 5 + § 36 AufenthG · up to 5 years) - [D-visa bridge: 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 pre-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) 10 requirements embassy checks § 36 (2) AufenthG hardship clause 1 lane Expatriate ≤ 5 yrs Three rules for a successful Elternnachzug (parent reunification) file in Germany : 1. 1 **Match the insurance to the full visa duration:** the embassy refuses Elternnachzug files where the certificate expires before the requested D-visa. [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/) runs up to 5 years per contract under § 5 + § 36 AufenthG — one decision for the whole permit cycle. 2. 2 **Document the hardship clearly (§ 36 (2) AufenthG):** the außergewöhnliche Härte test is at the discretion of the Ausländerbehörde — provide medical reports and proof that no other relative can care for the parent in the home country. Bridge any gap with [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) — PDF within minutes, recognised under § 5 AufenthG. 3. 3 **Plan the post-arrival steps:** § 17 BMG requires the Anmeldung within 14 days of moving in; the Anmeldebestätigung then unlocks the Ausländerbehörde appointment for the residence-permit card and every following office (GKV, bank, tax number). Need help matching the certificate to your embassy file? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the hardship test under § 36 (2) AufenthG that decides every Elternnachzug case · the certificate-duration trap that gets D-visa files refused at the embassy · the Schengen pre-visit that does not extend into a residence permit Sources: § 36 (2) AufenthG · § 5 AufenthG · § 17 BMG · § 68 AufenthG (Verpflichtungserklärung) · § 19 VVG · EU Regulation 810/2009 · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Visa Protect AVB 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** Sources§ 36 (2) AufenthG · § 5 AufenthG · § 17 BMG · § 68 AufenthG · § 19 VVG · EU Regulation 810/2009 · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · 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 long-term lane for parent reunification (Elternnachzug) — accepted under § 5 + § 36 (2) AufenthG, up to 5 years per contract. [Care Expatriate (Elternnachzug residence, 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 - Parent reunification (Elternnachzug) under § 36 (2) AufenthG is granted only as an exceptional hardship case (außergewöhnliche Härte) — the German embassy and Ausländerbehörde require a complete file including recognised health insurance from day 1 of the long-stay D-visa. The recognised long-term lane is Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74, up to 5 years per contract, PDF certificate in German + English. - Typical Elternnachzug proofs requested by the German embassy: valid passport, sponsor's residence proof and income (Verpflichtungserklärung where applicable), proof of secured housing, recognised health insurance certificate naming the parent and matching the entire visa duration, and evidence of the hardship (medical reports, isolation in the home country, no other relatives able to provide care). - Bridge between the D-visa appointment and the long-term contract: Care Economy from €1.00/day for ages up to 64 (with deductible) and €2.95/day for ages 65 and over (with deductible), minimum €10 premium, recognised under § 5 AufenthG up to 2 years. Pre-visit before the Elternnachzug application: Care Visa Protect from €0.85/day (up to age 64) and €2.60/day (65–74), minimum €8.50 premium, EU 810/2009 compliant. Key facts at a glance Reviewed August 29, 2026 - **§ 36 (2) AufenthG — exceptional hardship clause:** Parent reunification for adult sponsors is granted only to avoid an exceptional hardship (außergewöhnliche Härte). The Ausländerbehörde decides at its discretion based on the parent's care needs and the absence of relatives in the home country. (Source: Aufenthaltsgesetz § 36 (2) · BAMF). - **§ 5 AufenthG — recognised cover from day 1:** The German embassy and Ausländerbehörde refuse Elternnachzug files if recognised health cover is missing for any day of the visa. Care Expatriate from €68/month (41–60) · €246/month (61–74) covers the full residence period up to 5 years. (Source: Aufenthaltsgesetz § 5 · BAMF). - **Cost of one missed day in Germany:** A standard inpatient day in Germany averages €830 (DKG 2024). One uninsured week can exceed €5,800 out of pocket — and a missing or wrong certificate can cost the Elternnachzug visa altogether. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## The 10 typical Elternnachzug requirements and proofs for retired parents in Germany **Quick answer:** "Which proofs do German embassies require for the Elternnachzug visa for retired parents?" — exceptional hardship file under § 36 (2) AufenthG, valid passport, sponsor's residence and stable income, secured housing, recognised health insurance from day 1 matching the full visa duration, certificate naming the parent with passport, repatriation included, gap-free bridge cover, declared pre-existing conditions, and Anmeldung within 14 days after arrival. The recognised long-term lane is Care Expatriate from €68/month (41–60) or €246/month (61–74) — up to 5 years per contract. - **1\. Legal basis (§ 36 (2) AufenthG) — exceptional hardship file** Document the außergewöhnliche Härte: medical reports, isolation in the home country, no other relatives able to provide care. Embassy decision is discretionary. - **2\. Valid passport with sufficient remaining validity** Passport must be valid for the full requested visa duration plus a buffer (typically 3 months). Two recent biometric photos. - **3\. Sponsor's residence proof and stable income** Sponsor's residence permit / German passport, employer letter or Steuerbescheid. A Verpflichtungserklärung (§ 68 AufenthG) may be requested. - **4\. Secured housing in Germany large enough for the parent** Mietvertrag plus Wohnflächenbescheinigung from the landlord. The Ausländerbehörde checks that the flat is suitable for an additional resident. - **5\. Recognised health insurance from day 1 of the visa** Care Expatriate from €68/month (41–60) · €246/month (61–74) — bilingual certificate, matches entire visa duration, recognised under § 5 + § 36 AufenthG. - **6\. Insurance certificate names the parent and matches the visa dates** Embassies refuse certificates that name the sponsor or have a shorter validity than the visa. Ensure parent's full name + passport are printed. - **7\. Repatriation (medizinisch notwendiger Rücktransport) included** All Care Concept products include repatriation per AVB — confirm the printed certificate explicitly lists Rücktransport. - **8\. Bridge for the embassy / D-visa wait — no gap allowed** Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) — PDF within minutes, recognised under § 5 AufenthG up to 2 years. - **9\. Pre-existing conditions disclosed correctly (§ 19 VVG)** Incoming products exclude pre-existing chronic conditions per AVB — disclose at sign-up to avoid claim denial. - **10\. After arrival: Anmeldung within 14 days (§ 17 BMG)** Bürgeramt registration within 14 days; the Anmeldebestätigung is required for every following step (Ausländerbehörde, GKV, bank). ## The three recognised insurance lanes for parent reunification — pick the right one from day 1 Lane 1 / 3 ### Elternnachzug residence permit (12 months – 5 years) — primary Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74. Up to 5 years per contract; bilingual PDF certificate within minutes; recognised by German embassies and the Ausländerbehörde for parent reunification under § 5 + § 36 (2) AufenthG. **Need:** Care Expatriate · ≤ 5 years · § 5 + § 36 AufenthG [Care Expatriate from €68/month (41–60) · €246/month (61–74) →](/en/insurance-plans/care-expatriate/overview/) Lane 2 / 3 ### D-visa bridge / embassy wait (1 day – 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 under § 5 AufenthG up to 2 years; bridges the embassy / Ausländerbehörde processing window before switching to Care Expatriate. **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 pre-visit before Elternnachzug (≤ 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 well above the €30,000 EU 810/2009 minimum, repatriation included. Suitable for a short pre-application visit; ends with the Schengen visa and does not extend into the residence permit. **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 tariff on the Elternnachzug file — refused visa and €830/day hospital risk ## 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 appointment for Elternnachzug booked? Lock in recognised cover before you walk in ## 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 Elternnachzug-ready certificate — in 3 steps 10 minutes online. No medical exam, no health questions for standard tier cover. PDF certificate in German + English by email within minutes — accepted under § 5 and § 36 AufenthG. ## 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 sponsors say about Care Expatriate for parent reunification (Elternnachzug) in Germany 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs for parent reunification — Elternnachzug (primary), D-visa bridge, Schengen pre-visit 🎯 Elternnachzug · 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 pre-visit · ≤ 90 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 exact certificate fields the Ausländerbehörde re-checks for Elternnachzug? [Insurance proof — required details](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/). Wondering whether parents must re-prove insurance at the Anmeldung after arrival? [Anmeldung & insurance after entry](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-after-entry-must-one-prove-again-at-registration-germany/). For the full overview see the [foreign-retirees hub](/en/guide-health-insurance-germany/health-insurance-retirees-germany/). ## Full price tables — Care Expatriate (Elternnachzug), Care Economy (D-visa bridge), Care Visa Protect (pre-visit) **Quick answer:** Care Expatriate is the recognised long-term lane for retired parents joining their adult children under § 36 (2) AufenthG: ages 41–60 from €68/month; ages 61–74 from €246/month — up to 5 years per contract (Basic / Comfort / Premium variants). Care Economy bridges the D-visa wait (1 day – 2 years) at €1.00/day for ages up to 64 and €2.95/day for ages 65–74 (both with deductible). Care Visa Protect covers a short Schengen pre-visit at €0.85/day (0–64) and €2.60/day (65–74). ### Elternnachzug residence — 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 pre-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 — Parent reunification health insurance for retired parents ## Frequently Asked Questions Which insurance proof is required for parent reunification (§ 36 AufenthG)? Care Expatriate from €246/month (age 61–74) is the standard — PDF issued same day. A German-language private insurance certificate covering the full permit duration. Travel and Schengen policies are rejected under § 5 AufenthG. Are parents automatically covered by their child's DAK Familienversicherung? No — § 10 SGB V covers only spouses and children under 25 — never parents. Reuniting parents need private cover (Care Expatriate €246–432/month age 61–74) or voluntary GKV (~€900/month max). How much does parent-reunification insurance cost yearly in Germany? Care Expatriate age 61–74: €2,952/year (Basic) up to €5,184/year (Premium, SB 0). Care Economy for shorter visits: from about €89 / 30 days (ages 65 and over). Both accepted under § 36 AufenthG and § 5 AufenthG. Which pre-arrival documents are needed for parent reunification? Passport, biometric photo, invitation letter from the sponsoring child, financial guarantee (Verpflichtungserklärung under § 68 AufenthG), rental confirmation and insurance certificate. Care Expatriate provides the last one PDF from €246/month. Does the German embassy accept Care Expatriate for parent-reunification visas? Yes — bilingual DE/EN PDF issued from €246/month (age 61–74) — no separate translation cost. Care Expatriate is listed as an accepted Incoming tariff by all German embassies (Auswärtiges Amt guidance). What health insurance do parents need for family reunification in Germany? Parents joining their children in Germany need their own health insurance – they cannot be covered under statutory family insurance (Familienversicherung). [Care Expatriate from 58 €/month](/en/insurance-plans/care-expatriate/overview/) provides an authority-compliant certificate for the residence permit. Is statutory health insurance (GKV) available for parents moving to Germany? Usually not. Parents arriving through family reunification typically do not qualify for GKV. A private incoming insurance like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) is the standard solution, starting from 58 €/month. How much does health insurance cost for elderly parents in Germany? For parents aged 61–74, [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) starts from 246 €/month (Basic tier). Without insurance, a single hospital day in Germany costs around 830 € on average. [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.