--- title: "From €246/mo – retirees chronic conditions Germany" description: "Foreign retirees with chronic conditions in Germany: how § 19 VVG disclosure works, why Incoming cover from €246/mo (61–74) excludes pre-existing illness." 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": "Foreign retirees with chronic conditions in Germany — typical misconceptions to avoid", "description": "Foreign retirees with chronic conditions in Germany: how § 19 VVG disclosure works, why Incoming cover from €246/mo (61–74) excludes pre-existing illness.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-08-31", "dateModified": "2026-08-30", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-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": "Chronic Conditions in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Family visit or longer stay in 3 steps", "description": "Options for short visits or longer family stays up to entry age 74.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your plan", "text": "Care Economy for visits up to 2 years · Care Expatriate for longer stays or family-reunification scenarios up to 5 years." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter passport, travel/stay and visa or residence details online. Additional information may be required depending on the plan." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive insurance proof after successful application and submit it with your visa or residence 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": "Do Incoming tariffs cover pre-existing chronic conditions?", "acceptedAnswer": { "@type": "Answer", "text": "No — the Ausländerbehörde accepts them under § 5 AufenthG for the permit, but chronic-condition treatment is private out-of-pocket. Care Expatriate, Care Economy and Care Visa Protect exclude pre-existing chronic illness per HanseMerkur AVB." } }, { "@type": "Question", "name": "How does § 19 VVG disclosure work at sign-up?", "acceptedAnswer": { "@type": "Answer", "text": "Under § 19 VVG, applicants must truthfully answer health questions on the application form. False answers void the contract retroactively (§ 22 VVG). For chronic conditions, only acute-medical treatment is covered — not ongoing chronic-illness management." } }, { "@type": "Question", "name": "Can retirees with diabetes or heart disease join GKV in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Only via the KVdR 9/10 rule (§ 5 SGB V) or employment. GKV cannot reject applicants for chronic conditions and covers all treatment. Foreign retirees rarely qualify, so Care Expatriate (€246/month, 61–74) remains the recognised lane — with the chronic-condition exclusion." } }, { "@type": "Question", "name": "Which route works for retirees with chronic conditions moving to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Three realistic options: (1) join GKV via KVdR if the 9/10 rule is met, (2) EU Form S1 for EU pensioners (home country pays), (3) Care Expatriate for permit compliance under § 5 AufenthG while paying chronic-condition costs privately (€2,000–5,000/month typical)." } }, { "@type": "Question", "name": "Is there any private cover for pre-existing conditions?", "acceptedAnswer": { "@type": "Answer", "text": "Only substitutive PKV under § 193 VVG (Allianz, DKV, Debeka) offers risk-adjusted cover for pre-existing conditions — with medical underwriting and typical premiums of €800–1,500/month for retirees. Not an Incoming product." } }, { "@type": "Question", "name": "What happens with pre-existing conditions and health insurance for retirees in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Public health insurance (GKV) covers all pre-existing conditions without health checks. Private insurance (PKV) may apply surcharges or exclusions. Incoming insurance like Care Expatriate covers acute care but not pre-existing conditions." } }, { "@type": "Question", "name": "Can I get health insurance in Germany with chronic illness as a retiree?", "acceptedAnswer": { "@type": "Answer", "text": "Yes – the GKV accepts everyone regardless of health status. PKV may apply conditions. The PKV basic tariff (Basistarif) cannot reject applicants. Incoming insurance provides bridge coverage for acute needs while you arrange permanent insurance." } }, { "@type": "Question", "name": "How much does a hospital stay cost without insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "A single day in a German hospital costs approximately €830 on average. Without insurance, even a short 5-day stay results in bills over €4,000. The Care Expatriate from 58 €/month covers hospital stays for acute conditions from day one." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do Incoming tariffs cover pre-existing chronic conditions?", "text": "Do Incoming tariffs cover pre-existing chronic conditions?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — the Ausländerbehörde accepts them under § 5 AufenthG for the permit, but chronic-condition treatment is private out-of-pocket. Care Expatriate, Care Economy and Care Visa Protect exclude pre-existing chronic illness per HanseMerkur AVB.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How does § 19 VVG disclosure work at sign-up?", "text": "How does § 19 VVG disclosure work at sign-up?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Under § 19 VVG, applicants must truthfully answer health questions on the application form. False answers void the contract retroactively (§ 22 VVG). For chronic conditions, only acute-medical treatment is covered — not ongoing chronic-illness management.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can retirees with diabetes or heart disease join GKV in Germany?", "text": "Can retirees with diabetes or heart disease join GKV in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only via the KVdR 9/10 rule (§ 5 SGB V) or employment. GKV cannot reject applicants for chronic conditions and covers all treatment. Foreign retirees rarely qualify, so Care Expatriate (€246/month, 61–74) remains the recognised lane — with the chronic-condition exclusion.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which route works for retirees with chronic conditions moving to Germany?", "text": "Which route works for retirees with chronic conditions moving to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Three realistic options: (1) join GKV via KVdR if the 9/10 rule is met, (2) EU Form S1 for EU pensioners (home country pays), (3) Care Expatriate for permit compliance under § 5 AufenthG while paying chronic-condition costs privately (€2,000–5,000/month typical).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is there any private cover for pre-existing conditions?", "text": "Is there any private cover for pre-existing conditions?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only substitutive PKV under § 193 VVG (Allianz, DKV, Debeka) offers risk-adjusted cover for pre-existing conditions — with medical underwriting and typical premiums of €800–1,500/month for retirees. Not an Incoming product.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens with pre-existing conditions and health insurance for retirees in Germany?", "text": "What happens with pre-existing conditions and health insurance for retirees in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Public health insurance (GKV) covers all pre-existing conditions without health checks. Private insurance (PKV) may apply surcharges or exclusions. Incoming insurance like Care Expatriate covers acute care but not pre-existing conditions.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I get health insurance in Germany with chronic illness as a retiree?", "text": "Can I get health insurance in Germany with chronic illness as a retiree?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes – the GKV accepts everyone regardless of health status. PKV may apply conditions. The PKV basic tariff (Basistarif) cannot reject applicants. Incoming insurance provides bridge coverage for acute needs while you arrange permanent insurance.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does a hospital stay cost without insurance in Germany?", "text": "How much does a hospital stay cost without insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A single day in a German hospital costs approximately €830 on average. Without insurance, even a short 5-day stay results in bills over €4,000. The Care Expatriate from 58 €/month covers hospital stays for acute conditions from day one.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-chronic-conditions-health-insurance-typical-misconceptions-avoid-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "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 acute-medical lane (chronic illness excluded per AVB) (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. Chronic Conditions in Germany Recognised Incoming products (Care Expatriate, Care Economy) cover acute medical only under § 5 AufenthG and EXCLUDE pre-existing chronic illness per AVB and § 19 VVG. Chronic treatment from day one is paid only by GKV via KVdR (§ 5 SGB V) or EU Form S1. # Foreign retirees with chronic conditions in Germany — typical misconceptions to avoid Entry age 41–60: from €68/month Entry age 61–74: from €246/month 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Foreign retiree with chronic conditions in Germany — § 19 VVG disclosure, AVB exclusions, GKV/KVdR vs Care Expatriate compared](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [For chronic treatment from day one: GKV via KVdR (§ 5 SGB V 9/10) or EU Form S1 (EU Reg. 883/2004)](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/) (the only lane that pays chronic care without health questions) - [For the residence permit when GKV is closed: Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (acute medical only · chronic illness EXCLUDED per AVB · § 19 VVG disclosure required) - [Short bridge: Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over)](/en/insurance-plans/care-economy/overview/) (≤ 2 years · same chronic-condition exclusion · § 5 AufenthG) § 19 VVG disclose all AVB exclusion chronic out GKV/KVdR chronic in The three things foreign retirees with chronic conditions in Germany typically misunderstand: 1. 1 **Incoming products EXCLUDE pre-existing chronic illness:** Care Expatriate, Care Economy and Care Visa Protect cover acute new events and emergency care under § 5 AufenthG. Ongoing chronic treatment (regular medication, scheduled specialist visits, planned procedures, cancer aftercare) is excluded per AVB. 2. 2 **§ 19 VVG disclosure is mandatory:** Every known chronic condition must be disclosed in writing at sign-up. Concealment triggers retroactive contract rescission and loss of the recognised insurance proof — putting the residence permit at risk. The insurer then offers accept / exclude / decline. 3. 3 **GKV via KVdR or Form S1 is the chronic-condition lane:** Only GKV pays chronic treatment from day one without health questions — via KVdR (§ 5 Abs. 1 Nr. 11 SGB V) or EU Form S1 (EU Reg. 883/2004). When closed, the residence-permit lane is [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/) for acute care only — chronic costs are then self-funded. Unsure which lane applies to your chronic-condition profile? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the 10 misconceptions retirees with chronic conditions repeat most often in Germany · what § 19 VVG actually requires you to disclose at sign-up — and the exact sanctions for concealment · the realistic GKV admission route via KVdR (§ 5 SGB V 9/10) or EU Form S1 Sources: § 19 VVG (pre-contractual disclosure) · § 27 SGB V (medical benefits) · § 5 SGB V (KVdR 9/10 rule) · § 9 SGB V (voluntary GKV) · § 5 AufenthG · §§ 20, 23 SGB XI · EU Reg. 883/2004 (Form S1) · 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 30, 2026** Sources§ 19 VVG · § 27 SGB V · § 5 SGB V (KVdR 9/10) · § 5 AufenthG · §§ 20, 23 SGB XI · EU Reg. 883/2004 · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Visa Protect AVB · DKG-Krankenhausstatistik 2024 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Residence permit due and KVdR closed? Care Expatriate from €68/mo (41–60) · €246/mo (61–74) is the recognised acute-medical lane under § 5 AufenthG — chronic illness excluded per AVB, plan it via GKV/KVdR if eligible. [Care Expatriate (acute medical, ≤ 5 years per contract) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (short 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 - Foreign retirees with chronic conditions (e.g. hypertension, diabetes, cardiovascular history, prior cancer treatment, COPD) face a strict legal framework in Germany: § 19 VVG requires honest pre-contractual disclosure of every known chronic condition. Incoming products (Care Expatriate from €68/month entry age 41–60 · €246/month entry age 61–74; Care Economy from €1.00/day up to age 64 · €2.95/day age 65 and over) explicitly EXCLUDE pre-existing chronic illness per AVB — they cover acute new events and emergency care under § 5 AufenthG, not the ongoing chronic treatment. - The realistic chronic-condition lane is German GKV. If KVdR is open under the 9/10 rule (§ 5 Abs. 1 Nr. 11 SGB V), GKV accepts the retiree without health questions and pays for the chronic treatment (§ 27 SGB V) and Pflegegrad benefits via SPV (§ 20 SGB XI). EU/EEA/Swiss pensioners may use Form S1 (EU Reg. 883/2004) to be treated like a German resident. Substitutive German PKV is risk-rated and usually closed or unaffordable for new entrants over 55–60 with chronic illness. - Practical recommendation: (1) check GKV/KVdR eligibility first — it is the only route that includes chronic treatment from day one without health questions; (2) if KVdR is closed, the recognised acute-medical lane for the residence permit (§ 5 AufenthG) is Care Expatriate up to 5 years per contract, but expect chronic-condition exclusion in the AVB — disclose every condition at sign-up under § 19 VVG; (3) plan chronic treatment costs personally (medication, specialist visits, scheduled procedures) until GKV admission opens. Key facts at a glance Reviewed August 30, 2026 - **§ 19 VVG — pre-contractual disclosure of every known chronic condition:** German insurance contract law requires honest, written disclosure of every chronic condition known at sign-up — medication, prior surgeries, cancer history, cardiovascular events, diabetes, COPD, mental-health treatment. Concealment leads to retroactive rescission and claim refusal under § 19 Abs. 2 VVG. (Source: § 19 VVG · BGH Rechtsprechung). - **Incoming products exclude pre-existing chronic illness per AVB:** Care Expatriate, Care Economy and Care Visa Protect AVB explicitly exclude treatment of conditions known before contract start. Acute new events and emergency care remain covered. The cover is recognised under § 5 AufenthG for the residence permit, but the ongoing chronic treatment is not paid. (Source: HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Visa Protect AVB). - **GKV via KVdR or Form S1 — the chronic-condition lane:** GKV admitted under KVdR (§ 5 Abs. 1 Nr. 11 SGB V — 9/10 rule) or EU Form S1 (EU Reg. 883/2004) covers chronic treatment from day one without health questions, and includes Pflegegrad benefits via SPV (§ 20 SGB XI). Confirm eligibility BEFORE entry — the 9/10 rule is rarely met by non-EU retirees. (Source: § 5 Abs. 1 Nr. 11 SGB V · EU Reg. 883/2004 · DRV / GKV-Spitzenverband). ## The 10 misconceptions retirees with chronic conditions repeat most often in Germany **Quick answer:** "Are chronic conditions covered by Incoming insurance for foreign retirees in Germany?" — No. Recognised Incoming products (Care Expatriate from €68/mo · €246/mo, Care Economy from €1.00–€2.95/day) cover acute new events and emergency care under § 5 AufenthG; they EXCLUDE pre-existing chronic illness per AVB and § 19 VVG. Chronic treatment from day one is paid only by GKV admitted via KVdR (§ 5 Abs. 1 Nr. 11 SGB V — 9/10 rule) or EU Form S1 (EU Reg. 883/2004). Always disclose chronic conditions in writing at sign-up. - **1\. Misconception 1 — "Incoming insurance covers my chronic condition like normal health insurance"** False. Care Expatriate, Care Economy and Care Visa Protect explicitly exclude pre-existing chronic illness per AVB. They cover acute new events and emergency care — not the ongoing chronic treatment. The full chronic-condition lane is GKV via KVdR (§ 5 SGB V) or EU Form S1. - **2\. Misconception 2 — "If I don't mention my chronic condition, the insurer will not find out"** Concealment breaches § 19 VVG. The insurer can rescind the contract retroactively, refuse the claim AND withdraw the insurance proof the Ausländerbehörde already accepted — putting the residence permit at risk. Disclose every known condition in writing at sign-up. - **3\. Misconception 3 — "I can switch from Incoming to GKV any time once I'm in Germany"** GKV admission is rule-based, not discretionary. The doors are KVdR (§ 5 Abs. 1 Nr. 11 SGB V — 9/10 rule), § 9 SGB V (voluntary) or EU Form S1. Without one of these, GKV cannot enrol you. Plan the route BEFORE entry. - **4\. Misconception 4 — "The Ausländerbehörde will accept any travel-health certificate as proof"** No. § 5 AufenthG requires a recognised lane: GKV, substitutive German PKV, or a recognised Incoming product (Care Expatriate, Care Economy). Standard home-country travel insurance is regularly rejected — sums below €30,000, missing repatriation, or short validity all fail. - **5\. Misconception 5 — "Care Expatriate covers acute care, so I can stop my chronic medication"** Acute cover does NOT replace chronic treatment. Continue your prescribed chronic regimen and plan personally for medication, specialist follow-up and scheduled procedures while on Incoming cover. Only GKV (or substitutive PKV) reimburses the chronic stack. - **6\. Misconception 6 — "Substitutive German PKV is always available as a backup"** Substitutive PKV is age-based and risk-rated. For new entrants over 55–60 with chronic conditions it is usually closed or priced above what a retired household can carry. The realistic backup for the residence permit is recognised Incoming (Care Expatriate). - **7\. Misconception 7 — "Pflegeversicherung is included in any health insurance"** No. Pflegeversicherung (SGB XI) is a separate insurance tied to GKV (Soziale Pflegeversicherung, § 20) or substitutive PKV (private Pflegepflichtversicherung, § 23). Care Expatriate does NOT pay Pflegegrad benefits — see the dedicated guide on KV vs PV. - **8\. Misconception 8 — "My EU pension automatically gives me German GKV"** Only via Form S1 (EU Reg. 883/2004). The S1 must be issued by the home country's social-insurance carrier and registered with a German GKV after entry. Without S1 the EU pension alone does NOT open GKV. - **9\. Misconception 9 — "Care Visa Protect is enough for a long stay because I'm only here for treatment"** Care Visa Protect is a Schengen visa product (≤ 92 days per contract, EU 810/2009). It cannot be extended into a residence permit and excludes pre-existing chronic illness. For a planned medical stay beyond 90 days, Care Economy or Care Expatriate apply — still with chronic-condition exclusion. - **10\. Misconception 10 — "I can disclose chronic conditions later when a claim arises"** Disclosure is pre-contractual under § 19 VVG. Late disclosure is treated as concealment and triggers the § 19 Abs. 2 sanctions: contract rescission, claim refusal, loss of recognised insurance proof. Disclose in writing at sign-up — the insurer can then offer accept/exclude/decline. ## Three lanes for foreign retirees with chronic conditions — GKV/KVdR (chronic in), substitutive PKV (rare), Care Expatriate (acute only, chronic excluded) Lane 1 / 3 ### GKV via KVdR or EU Form S1 — the chronic-condition lane GKV via KVdR (§ 5 Abs. 1 Nr. 11 SGB V — 9/10 rule) or EU Form S1 (EU Reg. 883/2004) is the only route that pays chronic treatment from day one without health questions. Includes acute medical (§ 27 SGB V) and Pflegegrad benefits (SPV, § 20 SGB XI). Check eligibility BEFORE entry — the 9/10 rule is rarely met by non-EU retirees. **Need:** GKV + SPV · KVdR (§ 5 SGB V 9/10) or EU Form S1 [See: when GKV vs private applies → →](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/) Lane 2 / 3 ### Substitutive PKV with risk surcharge — usually closed Substitutive German PKV with private Pflegepflichtversicherung (PPV, § 23 SGB XI) covers chronic illness on a risk-rated basis — but for new entrants over 55–60 with chronic conditions the application is usually declined or the premium becomes unaffordable for a retired household. Worth a tariff check, but not a default expectation. **Need:** Substitutive PKV (rare for retirees) + PPV [See: typical retiree mistakes → →](/en/guide-health-insurance-germany/health-insurance-retirees-germany/common-mistakes-retirees-germany-health-insurance-proofs-deadlines-overview-germany/) Lane 3 / 3 ### Care Expatriate (acute cover for the residence permit) Recognised Incoming lane under § 5 AufenthG: Care Expatriate from €68/month (entry age 41–60) and €246/month (entry age 61–74), up to 5 years per contract. Covers acute new events and emergency care; pre-existing chronic illness is EXCLUDED per AVB. Disclose every chronic condition in writing under § 19 VVG at sign-up — the insurer accepts with exclusion, accepts with surcharge, or declines. **Need:** Care Expatriate · ≤ 5 years · § 5 AufenthG · acute only · chronic excluded [Care Expatriate from €68/month (41–60) · €246/month (61–74) →](/en/insurance-plans/care-expatriate/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. ## Hiding a chronic condition at sign-up — § 19 VVG rescission risks the residence permit and €830/day hospital exposure ## 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. ## Residence permit due and chronic treatment ongoing? Disclose under § 19 VVG, take Care Expatriate for the recognised acute-medical lane, plan chronic costs via GKV/KVdR if eligible ## 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 Ausländerbehörde-ready certificate — 3 steps with full § 19 VVG disclosure 10 minutes online. Disclose every known chronic condition in writing at sign-up under § 19 VVG. Bilingual PDF certificate (German + English) by email within minutes — accepted by the Ausländerbehörde under § 5 AufenthG. Chronic treatment costs remain personal until GKV/KVdR opens. ## Family visit or longer stay in 3 steps Options for short visits or longer family stays up to entry age 74. 1. 1 🎯 Choose your plan Care Economy for visits up to 2 years · Care Expatriate for longer stays or family-reunification scenarios up to 5 years. 2. 2 📝 Complete the application Enter passport, travel/stay and visa or residence details online. Additional information may be required depending on the plan. 3. 3 ✅ Receive your proof Receive insurance proof after successful application and submit it with your visa or residence documents. ## What retirees with chronic conditions say about Care Expatriate as the recognised acute-medical lane 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 retirees with chronic conditions — Care Expatriate (acute, chronic excluded), Care Economy (short bridge). Chronic treatment from day one only via GKV/KVdR or EU Form S1. 🎯 Recognised acute-medical · § 5 AufenthG · chronic excluded per AVB ### Care Expatriate from €68/month (41–60) · from €246/month (61–74) — acute medical only · disclose chronic conditions under § 19 VVG 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 🛟 Short bridge · ≤ 2 years · same chronic-condition exclusion ### 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 Wondering when GKV is open instead? [Retirees in Germany — when statutory vs private](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/). Confused about Krankenversicherung vs Pflegeversicherung? [Health insurance vs long-term care insurance — short differences](/en/guide-health-insurance-germany/health-insurance-retirees-germany/care-need-health-insurance-vs-care-insurance-differences-short-explained-germany/). For the full overview see the [foreign-retirees hub](/en/guide-health-insurance-germany/health-insurance-retirees-germany/). ## Full price tables — Care Expatriate (long-term acute medical) and Care Economy (short bridge) **Quick answer:** For foreign retirees with chronic conditions in Germany, the recognised acute-medical lane under § 5 AufenthG 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). Care Economy bridges shorter stays at €1.00/day for ages 0–64 and €2.95/day for ages 65–74 (up to 2 years). Both products exclude pre-existing chronic illness per AVB; § 19 VVG disclosure is mandatory. Chronic treatment from day one is paid only by GKV via KVdR or EU Form S1. ### Long-term acute medical — 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/) ### Short 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/) ## FAQ — chronic conditions and health insurance for foreign retirees in Germany ## Frequently Asked Questions Do Incoming tariffs cover pre-existing chronic conditions? No — the Ausländerbehörde accepts them under § 5 AufenthG for the permit, but chronic-condition treatment is private out-of-pocket. Care Expatriate, Care Economy and Care Visa Protect exclude pre-existing chronic illness per HanseMerkur AVB. How does § 19 VVG disclosure work at sign-up? Under § 19 VVG, applicants must truthfully answer health questions on the application form. False answers void the contract retroactively (§ 22 VVG). For chronic conditions, only acute-medical treatment is covered — not ongoing chronic-illness management. Can retirees with diabetes or heart disease join GKV in Germany? Only via the KVdR 9/10 rule (§ 5 SGB V) or employment. GKV cannot reject applicants for chronic conditions and covers all treatment. Foreign retirees rarely qualify, so Care Expatriate (€246/month, 61–74) remains the recognised lane — with the chronic-condition exclusion. Which route works for retirees with chronic conditions moving to Germany? Three realistic options: (1) join GKV via KVdR if the 9/10 rule is met, (2) EU Form S1 for EU pensioners (home country pays), (3) Care Expatriate for permit compliance under § 5 AufenthG while paying chronic-condition costs privately (€2,000–5,000/month typical). Is there any private cover for pre-existing conditions? Only substitutive PKV under § 193 VVG (Allianz, DKV, Debeka) offers risk-adjusted cover for pre-existing conditions — with medical underwriting and typical premiums of €800–1,500/month for retirees. Not an Incoming product. What happens with pre-existing conditions and health insurance for retirees in Germany? Public health insurance (GKV) covers all pre-existing conditions without health checks. Private insurance (PKV) may apply surcharges or exclusions. Incoming insurance like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) covers acute care but not pre-existing conditions. Can I get health insurance in Germany with chronic illness as a retiree? Yes – the GKV accepts everyone regardless of health status. PKV may apply conditions. The PKV basic tariff (Basistarif) cannot reject applicants. Incoming insurance provides bridge coverage for acute needs while you arrange permanent insurance. How much does a hospital stay cost without insurance in Germany? A single day in a German hospital costs approximately €830 on average. Without insurance, even a short 5-day stay results in bills over €4,000. The [Care Expatriate from 58 €/month](/en/insurance-plans/care-expatriate/overview/) covers hospital stays for acute conditions from day one. [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 30, 2026.