--- title: "From €246/mo – retirees in Germany: GKV vs private" description: "Foreign retirees living in Germany — when GKV/KVdR (9/10 rule) applies vs substitutive PKV vs recognised Incoming. Care Expatriate 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": "Foreign retirees with residence in Germany — when statutory (GKV) vs private (Substitutive PKV / Incoming) typically applies", "description": "Foreign retirees living in Germany — when GKV/KVdR (9/10 rule) applies vs substitutive PKV vs recognised Incoming. Care Expatriate 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": "2026-09-07", "dateModified": "2026-08-27", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-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": "Residence: Statutory vs. Private (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-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": "When do retirees qualify for German GKV instead of private?", "acceptedAnswer": { "@type": "Answer", "text": "Only if the KVdR 9/10 rule is met: 90% of the second half of working life must be in German GKV under § 5(1) 11 SGB V. Foreign retirees rarely qualify. Default is Care Expatriate from €246/month (age 61–74)." } }, { "@type": "Question", "name": "Is voluntary GKV possible for foreign retirees residing in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, if the Vorversicherungszeit (§ 9 SGB V, 24 of last 60 months in GKV) is met. Contribution ~14.6% + 1.7% Zusatzbeitrag on worldwide pension income — often reaching €700–900/month. Care Expatriate at €246/month is usually cheaper." } }, { "@type": "Question", "name": "Which pricing applies for private cover of retiree residents?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate age 61–74: €246/month (Basic, SB 150), €322/month (Comfort, SB 150) and €432/month (Premium, SB 0). All tiers cover up to 60 months and are accepted under § 5 AufenthG." } }, { "@type": "Question", "name": "Can EU-pensioners use the S1 form for German GKV?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — eU Regulation 883/2004 lets EU pensioners register their home S1 with a German Krankenkasse — cover is provided by GKV, cost carried by the home country. Non-EU retirees use Care Expatriate from €246/month." } }, { "@type": "Question", "name": "How does the Ausländerbehörde treat retiree cover for residence permits?", "acceptedAnswer": { "@type": "Answer", "text": "Any GKV Mitgliedsbescheinigung or Care Expatriate PDF (from €246/month, age 61–74) is accepted under § 5 AufenthG for § 7 general permits. Travel or Schengen policies are rejected for stays over 90 days." } }, { "@type": "Question", "name": "What is the difference between public and private health insurance for retirees in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Public insurance (GKV) calculates premiums based on income, while private insurance (PKV) bases them on age and health. GKV offers family co-insurance for spouses; PKV does not. For foreign retirees, GKV access requires sufficient pre-insurance periods. Care Expatriate from 58 €/month serves as a bridge solution until status is clarified." } }, { "@type": "Question", "name": "Can I get public health insurance in Germany without German pension contributions?", "acceptedAnswer": { "@type": "Answer", "text": "Without German pension contributions, accessing the KVdR (statutory pension insurance) is very difficult. You may apply for voluntary GKV membership, but approval depends on prior insurance history. EU citizens can use the S1 form. Meanwhile, Care Expatriate provides immediate coverage from 58 €/month." } }, { "@type": "Question", "name": "How much does health insurance cost for foreign retirees living in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Costs vary significantly. GKV charges ~14.6% of income; PKV premiums depend on age and health (often 300–600 €/month for retirees 65+). As a bridge solution, Care Expatriate starts from 58 €/month and is accepted by the foreigners office for residence permits." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "When do retirees qualify for German GKV instead of private?", "text": "When do retirees qualify for German GKV instead of private?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only if the KVdR 9/10 rule is met: 90% of the second half of working life must be in German GKV under § 5(1) 11 SGB V. Foreign retirees rarely qualify. Default is Care Expatriate from €246/month (age 61–74).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is voluntary GKV possible for foreign retirees residing in Germany?", "text": "Is voluntary GKV possible for foreign retirees residing in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, if the Vorversicherungszeit (§ 9 SGB V, 24 of last 60 months in GKV) is met. Contribution ~14.6% + 1.7% Zusatzbeitrag on worldwide pension income — often reaching €700–900/month. Care Expatriate at €246/month is usually cheaper.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which pricing applies for private cover of retiree residents?", "text": "Which pricing applies for private cover of retiree residents?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate age 61–74: €246/month (Basic, SB 150), €322/month (Comfort, SB 150) and €432/month (Premium, SB 0). All tiers cover up to 60 months and are accepted under § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can EU-pensioners use the S1 form for German GKV?", "text": "Can EU-pensioners use the S1 form for German GKV?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — eU Regulation 883/2004 lets EU pensioners register their home S1 with a German Krankenkasse — cover is provided by GKV, cost carried by the home country. Non-EU retirees use Care Expatriate from €246/month.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How does the Ausländerbehörde treat retiree cover for residence permits?", "text": "How does the Ausländerbehörde treat retiree cover for residence permits?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Any GKV Mitgliedsbescheinigung or Care Expatriate PDF (from €246/month, age 61–74) is accepted under § 5 AufenthG for § 7 general permits. Travel or Schengen policies are rejected for stays over 90 days.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the difference between public and private health insurance for retirees in Germany?", "text": "What is the difference between public and private health insurance for retirees in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Public insurance (GKV) calculates premiums based on income, while private insurance (PKV) bases them on age and health. GKV offers family co-insurance for spouses; PKV does not. For foreign retirees, GKV access requires sufficient pre-insurance periods. Care Expatriate from 58 €/month serves as a bridge solution until status is clarified.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I get public health insurance in Germany without German pension contributions?", "text": "Can I get public health insurance in Germany without German pension contributions?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Without German pension contributions, accessing the KVdR (statutory pension insurance) is very difficult. You may apply for voluntary GKV membership, but approval depends on prior insurance history. EU citizens can use the S1 form. Meanwhile, Care Expatriate provides immediate coverage from 58 €/month.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance cost for foreign retirees living in Germany?", "text": "How much does health insurance cost for foreign retirees living in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Costs vary significantly. GKV charges ~14.6% of income; PKV premiums depend on age and health (often 300–600 €/month for retirees 65+). As a bridge solution, Care Expatriate starts from 58 €/month and is accepted by the foreigners office for residence permits.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-residence-germany-when-statutory-vs-private-typical-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-27", "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 — realistic lane when GKV/KVdR is closed (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. Residence: Statutory vs. Private (Germany) Most foreign retirees with residence in Germany do NOT qualify for the statutory KVdR (9/10 rule under § 5 SGB V) and Substitutive PKV is usually unaffordable at older entry age — the realistic recognised lane is Care Expatriate. # Foreign retirees with residence in Germany — when statutory (GKV) vs private (Substitutive PKV / Incoming) typically applies 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 residence in Germany — KVdR 9/10 rule, EU Form S1, Substitutive PKV and Care Expatriate Incoming compared](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [Realistic long-term lane: Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (recognised under § 5 AufenthG · up to 5 years · when GKV is closed) - [GKV / S1 / D-visa wait 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) GKV / KVdR 9/10 rule blocks Substitutive PKV risk-rated · costly Care Expatriate recognised · ≤ 5 yrs Three decision points: GKV vs Substitutive PKV vs recognised Incoming for foreign retirees with residence in Germany : 1. 1 **Check GKV / KVdR eligibility first:** KVdR pensioner cover requires GKV membership for 9 of the last 10 years before retirement (§ 5 Abs. 1 Nr. 11 SGB V). If you do not meet the 9/10 rule, GKV is closed. EU pensioners with a Form S1 (EU Reg. 883/2004) are an exception — but the S1 is not GKV membership. 2. 2 **Substitutive PKV is rarely realistic at older entry age:** German Substitutive PKV underwrites health risk individually; for applicants 60+ with mild pre-existing conditions premiums are typically several hundred euros per month and admission may be refused. Bridge any short gap with [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/). 3. 3 **Recognised Incoming is the realistic long-term lane:** [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/) is accepted by every Ausländerbehörde under § 5 AufenthG, up to 5 years per contract, bilingual PDF certificate — one decision for the whole residence period. Unsure which lane applies to your situation? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the 9/10 rule that closes GKV for almost every non-EU retiree · the Form S1 exception for EU pensioners and what it does NOT cover · the § 6 SGB V switch-back lock after age 55 Sources: § 5 Abs. 1 Nr. 11 SGB V (KVdR / 9-10 rule) · § 6 Abs. 3a SGB V (switch-back lock) · § 10 SGB V (Familienversicherung) · § 5 AufenthG · EU Regulation 883/2004 (Form S1) · § 19 VVG · 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 27, 2026** Sources§ 5 Abs. 1 Nr. 11 SGB V (KVdR) · § 6 Abs. 3a SGB V · § 10 SGB V · § 5 AufenthG · EU Regulation 883/2004 (Form S1) · § 19 VVG · 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 ## GKV/KVdR closed and Substitutive PKV unaffordable? Care Expatriate is the recognised long-term lane for foreign retirees with residence in Germany — accepted under § 5 AufenthG, up to 5 years per contract. [Care Expatriate (recognised long-term lane, up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (GKV/S1 wait 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 moving to Germany rarely qualify for statutory health insurance (GKV / KVdR) — admission requires GKV membership for 9 of the last 10 years before retirement (the so-called 9/10 rule under § 5 Abs. 1 Nr. 11 SGB V). Most newcomers from non-EU countries do not meet this and therefore use a recognised private Incoming product instead. - EU pensioners with a Form S1 (EU Regulation 883/2004) issued by their home country health-insurance fund are an exception: a German GKV fund administers their treatment locally while the home country bears the cost. This is not the same as German GKV membership and ends if the home pension entitlement ends. - Realistic long-term lane for the vast majority: Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74, recognised under § 5 AufenthG, up to 5 years per contract, bilingual PDF certificate. Bridge for the GKV / S1 / embassy wait: Care Economy from €1.00/day (up to age 64) and €2.95/day (age 65 and over), recognised under § 5 AufenthG up to 2 years. Key facts at a glance Reviewed August 27, 2026 - **§ 5 Abs. 1 Nr. 11 SGB V — KVdR 9/10 rule:** Statutory pensioner cover (KVdR) requires GKV membership for 9 of the last 10 years before retirement. Most newcomers from outside the EU do not meet this and are not admitted to GKV. (Source: Sozialgesetzbuch V § 5 · GKV-Spitzenverband). - **EU Regulation 883/2004 — Form S1 for EU pensioners:** EU pensioners moving to Germany may transfer cover via Form S1 issued by the home-country fund: a German GKV fund administers treatment locally while the home country bears the cost. Not the same as German GKV membership. (Source: Verordnung (EG) 883/2004 · Deutsche Verbindungsstelle Krankenversicherung – Ausland (DVKA)). - **Cost of one uninsured day in Germany:** A standard inpatient day in Germany averages €830 (DKG 2024). Care Expatriate from €68/month (41–60) and €246/month (61–74) is the recognised long-term lane under § 5 AufenthG — up to 5 years per contract. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## Decision matrix — GKV vs Substitutive PKV vs Incoming for foreign retirees with residence in Germany **Quick answer:** "When does statutory health insurance (GKV / KVdR) apply for a foreign retiree with residence in Germany — and when is private (Substitutive PKV or Incoming) the typical lane?" — KVdR is admissible only if the 9/10 rule is met (§ 5 SGB V); EU pensioners use Form S1 (EU Reg. 883/2004); for the rest, German Substitutive PKV is risk-rated and often unaffordable at older entry age, so the recognised Incoming product Care Expatriate from €68/month (41–60) or €246/month (61–74) is the realistic long-term lane. - **1\. GKV / KVdR — only if 9/10 rule is met** GKV pensioner cover (KVdR) requires GKV membership for 9 of the last 10 years before retirement (§ 5 Abs. 1 Nr. 11 SGB V). Most non-EU newcomers do not meet it and are not admitted to GKV. - **2\. EU pensioners — Form S1 (EU Regulation 883/2004)** Apply at the home-country fund before the move; register at a German GKV fund after the Anmeldung. The home country bears the cost. Not German GKV membership; ends with the home pension entitlement. - **3\. Substitutive PKV — risk-rated, often refused at older entry age** German Substitutive PKV underwrites health at entry; premiums for applicants aged 60+ with mild pre-existing conditions are typically several hundred euros per month and admission can be refused entirely. - **4\. Recognised Incoming product — the realistic long-term lane** Care Expatriate from €68/month (41–60) · €246/month (61–74) — recognised under § 5 AufenthG, up to 5 years per contract, bilingual certificate, no Gesundheitsfragen for standard tier cover. - **5\. Visitors and embassy / D-visa wait — short bridge** 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; switchable to Care Expatriate when the long-term permit is granted. - **6\. Schengen pre-visit before the residence application** Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74) — EU 810/2009 compliant, repatriation included; ends with the Schengen visa and does not extend into a residence permit. - **7\. Pre-existing conditions — Incoming exclusion (§ 19 VVG)** Incoming products exclude pre-existing chronic conditions per AVB. Disclose at sign-up; for chronic-care needs from day 1, German Substitutive PKV or KVdR (where eligible) is required. - **8\. Family — sponsor's GKV Familienversicherung (§ 10 SGB V)** Spouses can join the sponsor's GKV Familienversicherung only if the sponsor is GKV-insured and the spouse's own income is below the threshold. PKV/self-employed sponsors → spouse needs an own contract. - **9\. Care insurance (Pflegeversicherung) follows health cover** GKV pensioners pay Pflegeversicherung as part of the GKV contribution. Substitutive PKV requires a parallel private Pflichtpflege contract; Incoming products do not contain a Pflichtpflege component. - **10\. Switching back to GKV later** After 55, switching from PKV / Incoming back to GKV is normally blocked (§ 6 Abs. 3a SGB V). Plan the long-term lane carefully; Care Expatriate up to 5 years per contract is renewable for the typical residence period. ## The three recognised insurance lanes once GKV/KVdR is closed Lane 1 / 3 ### Recognised long-term lane — Care Expatriate (primary) Care Expatriate from €68/month at entry age 41–60 and €246/month at entry age 61–74. The realistic long-term lane for foreign retirees who fail the GKV 9/10 rule and for whom Substitutive PKV is unaffordable. Up to 5 years per contract; bilingual PDF certificate; accepted under § 5 AufenthG. **Need:** Care Expatriate · ≤ 5 years · § 5 AufenthG [Care Expatriate from €68/month (41–60) · €246/month (61–74) →](/en/insurance-plans/care-expatriate/overview/) Lane 2 / 3 ### Bridge / GKV / S1 / D-visa 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. Bridges the GKV / S1 administration window and is recognised under § 5 AufenthG up to 2 years. **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 the residence application (≤ 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, valid in all Schengen states. Ends with the Schengen visa. **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. ## GKV/KVdR closed and uninsured — €830/day hospital risk for foreign retirees in Germany ## 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. ## GKV said no, Substitutive PKV said hundreds of euros — Care Expatriate is the recognised lane that says yes ## 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 — in 3 steps (when GKV is closed) 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 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 foreign retirees say about Care Expatriate after the GKV/KVdR 9/10 rule blocked them 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 when GKV is closed — Care Expatriate (primary), Care Economy (bridge), Care Visa Protect (pre-visit) 🎯 Realistic long-term lane · 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 🛟 GKV / S1 wait 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? [Insurance proof — required details](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/). Wondering if the Bürgeramt re-checks insurance after entry? [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 (long-term lane), Care Economy (GKV/S1 bridge), Care Visa Protect (Schengen pre-visit) **Quick answer:** When GKV/KVdR is closed (9/10 rule under § 5 SGB V) and Substitutive PKV is unaffordable, Care Expatriate is the recognised long-term lane: 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 GKV / S1 administration window (€1.00/day for 0–64, €2.95/day for 65–74, both with deductible). Care Visa Protect covers a Schengen pre-visit at €0.85/day (0–64) and €2.60/day (65–74). ### Long-term lane — 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/) ### GKV / S1 wait bridge — Care Economy (1 day – 2 years) Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ### Schengen visit — Care Visa Protect (≤ 92 days) Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ## FAQ — Statutory vs private health insurance for foreign retirees with residence in Germany ## Frequently Asked Questions When do retirees qualify for German GKV instead of private? Only if the KVdR 9/10 rule is met: 90% of the second half of working life must be in German GKV under § 5(1) 11 SGB V. Foreign retirees rarely qualify. Default is Care Expatriate from €246/month (age 61–74). Is voluntary GKV possible for foreign retirees residing in Germany? Yes, if the Vorversicherungszeit (§ 9 SGB V, 24 of last 60 months in GKV) is met. Contribution ~14.6% + 1.7% Zusatzbeitrag on worldwide pension income — often reaching €700–900/month. Care Expatriate at €246/month is usually cheaper. Which pricing applies for private cover of retiree residents? Care Expatriate age 61–74: €246/month (Basic, SB 150), €322/month (Comfort, SB 150) and €432/month (Premium, SB 0). All tiers cover up to 60 months and are accepted under § 5 AufenthG. Can EU-pensioners use the S1 form for German GKV? Yes — eU Regulation 883/2004 lets EU pensioners register their home S1 with a German Krankenkasse — cover is provided by GKV, cost carried by the home country. Non-EU retirees use Care Expatriate from €246/month. How does the Ausländerbehörde treat retiree cover for residence permits? Any GKV Mitgliedsbescheinigung or Care Expatriate PDF (from €246/month, age 61–74) is accepted under § 5 AufenthG for § 7 general permits. Travel or Schengen policies are rejected for stays over 90 days. What is the difference between public and private health insurance for retirees in Germany? Public insurance (GKV) calculates premiums based on income, while private insurance (PKV) bases them on age and health. GKV offers family co-insurance for spouses; PKV does not. For foreign retirees, GKV access requires sufficient pre-insurance periods. [Care Expatriate from 58 €/month](/en/insurance-plans/care-expatriate/overview/) serves as a bridge solution until status is clarified. Can I get public health insurance in Germany without German pension contributions? Without German pension contributions, accessing the KVdR (statutory pension insurance) is very difficult. You may apply for voluntary GKV membership, but approval depends on prior insurance history. EU citizens can use the S1 form. Meanwhile, [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) provides immediate coverage from 58 €/month. How much does health insurance cost for foreign retirees living in Germany? Costs vary significantly. GKV charges ~14.6% of income; PKV premiums depend on age and health (often 300–600 €/month for retirees 65+). As a bridge solution, [Care Expatriate starts from 58 €/month](/en/insurance-plans/care-expatriate/overview/) and is accepted by the foreigners office for residence permits. [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 27, 2026.