--- title: "From €246/mo – retirees without German address: embassy proof" description: "Retirees without a German Wohnsitz: embassy-recognised proof of cover. Care Expatriate from €246/mo (61–74); Care Visa Protect from €2.60/day (65–74)." 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 without permanent residence in Germany — recognised insurance proof for the embassy and Ausländerbehörde", "description": "Retirees without a German Wohnsitz: embassy-recognised proof of cover. Care Expatriate from €246/mo (61–74); Care Visa Protect from €2.60/day (65–74).", "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": "2026-09-06", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-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": "Insurance Proof Without Residence (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-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": "Can retirees get insurance proof without a German address?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Expatriate issues a PDF certificate from €246/month (age 61–74) without requiring an Anmeldung — accepted at the German embassy and Ausländerbehörde under § 5 AufenthG for initial permit applications." } }, { "@type": "Question", "name": "Which order for retirees — visa, insurance or Anmeldung?", "acceptedAnswer": { "@type": "Answer", "text": "Insurance first (Care Expatriate PDF same day, €246/month), then embassy visa appointment, arrival, Anmeldung within 14 days (§ 17 BMG), then residence-permit appointment within 90 days at the Ausländerbehörde." } }, { "@type": "Question", "name": "Does the embassy accept insurance without a German address?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — all German embassies accept Care Expatriate PDF from €246/month (age 61–74) with a foreign address on the certificate. German address can be added later within 90 days of arrival." } }, { "@type": "Question", "name": "What happens if I miss the Anmeldung deadline as a retiree?", "acceptedAnswer": { "@type": "Answer", "text": "Fine up to €1,000 under § 54 BMG. Insurance is unaffected — Care Expatriate remains valid from €246/month (age 61–74). Anmeldung must be completed before the Ausländerbehörde appointment for the residence permit." } }, { "@type": "Question", "name": "Do banks require Anmeldung to open an account for retirees?", "acceptedAnswer": { "@type": "Answer", "text": "Some (Sparkasse, Deutsche Bank) require it; others (N26, Wise, Revolut) don't. Care Expatriate PDF from €246/month satisfies most bank onboarding checks as residence-permit indicator. Anmeldung follows within 2 weeks of arrival." } }, { "@type": "Question", "name": "What insurance do retirees without a German address need?", "acceptedAnswer": { "@type": "Answer", "text": "Retirees without a permanent residence in Germany typically need incoming health insurance like Care Expatriate from €58/month (long-term, up to 5 years) or Care Economy from €30/30 days (short-term, up to 2 years). No German address is required for enrollment." } }, { "@type": "Question", "name": "Can I get health insurance in Germany without registering a residence?", "acceptedAnswer": { "@type": "Answer", "text": "Yes – incoming insurance does not require a registered address (Meldeadresse). You can enroll online using your home country address and receive instant PDF proof for authorities." } }, { "@type": "Question", "name": "What happens if the Ausländerbehörde rejects my insurance proof?", "acceptedAnswer": { "@type": "Answer", "text": "Check that your certificate shows the coverage amount (min. €30,000 for Schengen), the territory (Germany/Schengen), repatriation coverage, and the exact dates. Incoming insurances like Care Expatriate are designed to meet these requirements and provide proof in German and English." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can retirees get insurance proof without a German address?", "text": "Can retirees get insurance proof without a German address?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Expatriate issues a PDF certificate from €246/month (age 61–74) without requiring an Anmeldung — accepted at the German embassy and Ausländerbehörde under § 5 AufenthG for initial permit applications.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which order for retirees — visa, insurance or Anmeldung?", "text": "Which order for retirees — visa, insurance or Anmeldung?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Insurance first (Care Expatriate PDF same day, €246/month), then embassy visa appointment, arrival, Anmeldung within 14 days (§ 17 BMG), then residence-permit appointment within 90 days at the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the embassy accept insurance without a German address?", "text": "Does the embassy accept insurance without a German address?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — all German embassies accept Care Expatriate PDF from €246/month (age 61–74) with a foreign address on the certificate. German address can be added later within 90 days of arrival.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens if I miss the Anmeldung deadline as a retiree?", "text": "What happens if I miss the Anmeldung deadline as a retiree?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Fine up to €1,000 under § 54 BMG. Insurance is unaffected — Care Expatriate remains valid from €246/month (age 61–74). Anmeldung must be completed before the Ausländerbehörde appointment for the residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do banks require Anmeldung to open an account for retirees?", "text": "Do banks require Anmeldung to open an account for retirees?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Some (Sparkasse, Deutsche Bank) require it; others (N26, Wise, Revolut) don't. Care Expatriate PDF from €246/month satisfies most bank onboarding checks as residence-permit indicator. Anmeldung follows within 2 weeks of arrival.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance do retirees without a German address need?", "text": "What insurance do retirees without a German address need?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Retirees without a permanent residence in Germany typically need incoming health insurance like Care Expatriate from €58/month (long-term, up to 5 years) or Care Economy from €30/30 days (short-term, up to 2 years). No German address is required for enrollment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I get health insurance in Germany without registering a residence?", "text": "Can I get health insurance in Germany without registering a residence?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes – incoming insurance does not require a registered address (Meldeadresse). You can enroll online using your home country address and receive instant PDF proof for authorities.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens if the Ausländerbehörde rejects my insurance proof?", "text": "What happens if the Ausländerbehörde rejects my insurance proof?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Check that your certificate shows the coverage amount (min. €30,000 for Schengen), the territory (Germany/Schengen), repatriation coverage, and the exact dates. Incoming insurances like Care Expatriate are designed to meet these requirements and provide proof in German and English.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-without-permanent-residence-health-insurance-proof-authority-embassy-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-06", "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 — embassy & Ausländerbehörde-recognised long-stay lane (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. Insurance Proof Without Residence (Germany) Without a German Anmeldung there is no GKV access (§ 5 SGB V). The embassy and the Ausländerbehörde need recognised Incoming proof FIRST — GKV / KVdR / EU Form S1 only become possible AFTER arrival and registration. # Foreign retirees without permanent residence in Germany — recognised insurance proof for the embassy and Ausländerbehörde 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 without permanent residence in Germany — recognised insurance proof for the German embassy and Ausländerbehörde](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [Long-stay visa (D-visa): Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (§ 5 AufenthG · up to 5 years) - [Schengen visit (≤ 90 days): Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/) (EU Reg. 810/2009 · min. €8.50) - [Bridge / Fiktion: 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 · ≤ 2 years · min. €10) Long-stay Expatriate ≤ 5 yrs Schengen Visa Protect ≤ 90 d Bridge Economy ≤ 2 yrs Three rules that decide which insurance proof works BEFORE you have a German Wohnsitz — for the embassy, consulate or Ausländerbehörde : 1. 1 **Long-stay visa / § 36 AufenthG → Care Expatriate:** Recognised long-term Incoming product — [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/), up to 5 years per contract, accepted by every German embassy and Ausländerbehörde under § 5 AufenthG. 2. 2 **Schengen visit (≤ 90 days) → Care Visa Protect:** EU Reg. 810/2009 compliant: ≥ €30,000 medical cover, repatriation, validity in all Schengen states. €0.85/day for ages 0–64 and €2.60/day for 65–74 — daily pricing, no monthly minimum. 3. 3 **Pending Ausländerbehörde / S1 wait → Care Economy bridge:** For Fiktionsbescheinigung holders or EU pensioners waiting on Form S1 (4–12 weeks), [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) bridges up to 2 years. Long-stay visa, Schengen visit or pending decision — which lane fits your case? [30-second tariff finder →](/en/tariffinder-germany/) Inside: why GKV is impossible without an Anmeldung · the exact certificate fields the Ausländerbehörde inspects · the €30,000 Schengen rule under EU Reg. 810/2009 Sources: § 5 AufenthG · § 36 AufenthG · § 5 SGB V · EU Regulation 810/2009 (Schengen) · EU Regulation 883/2004 (S1) · HanseMerkur Care Expatriate AVB · HanseMerkur Care Economy AVB · HanseMerkur Care Visa Protect AVB · BMG 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: **September 6, 2026** Sources§ 5 AufenthG · § 36 AufenthG · § 5 SGB V · EU Regulation 810/2009 · EU Regulation 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 ## Care Expatriate is the recognised long-stay lane for retirees without German residence — accepted by every German embassy and Ausländerbehörde under § 5 AufenthG, up to 5 years per contract. [Care Expatriate (long-stay visa, up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Visa Protect (Schengen visit ≤ 90 days) ab nur 0,85 € / Tag (bis 92 Tage) ](/en/insurance-plans/care-visa-protect/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 - Without a permanent German address (no Anmeldung yet), retirees still need recognised insurance proof BEFORE the German embassy issues the visa and BEFORE the Ausländerbehörde issues the residence permit. GKV is not available yet (no Wohnsitz, no § 5 SGB V access). The realistic answer at this stage: an Incoming product with a German PDF certificate. For Schengen visit windows up to 90 days use Care Visa Protect from €0.85/day (ages up to 64) and €2.60/day (65–74). For longer pending procedures (national D-visa, § 36 AufenthG) use Care Expatriate from €68/month (entry age 41–60) and €246/month (61–74). - What the German embassy and the Ausländerbehörde actually verify on the certificate: insurer name and German address, named insured person, validity period covering the whole stay, sum insured (≥ €30,000 for Schengen per EU Reg. 810/2009 — Incoming products in Germany typically cover the actual treatment cost without monetary cap), repatriation cover, validity in all Schengen states (Schengen visa lane only). A standard travel insurance with low caps or home-country wording is rejected. - Practical sequencing: (1) book the embassy slot, (2) buy Care Visa Protect or Care Expatriate online — German + English PDF certificate by email within minutes, (3) submit at the embassy, (4) after arrival do the Anmeldung at the Bürgeramt, (5) only THEN can GKV / Familienversicherung options be assessed. Trying to wait for GKV before having a German address is the single most common rejection reason. Key facts at a glance Reviewed September 6, 2026 - **EU Reg. 810/2009 — Schengen visa cover minimum:** A Schengen C-visa requires medical cover of at least €30,000, including emergency hospital treatment and repatriation, valid in all Schengen states for the whole stay. Care Visa Protect meets every requirement at €0.85/day (up to age 64) or €2.60/day (65–74), minimum €8.50 premium. (Source: EU Regulation 810/2009 · Auswärtiges Amt). - **§ 5 SGB V — no Anmeldung means no GKV:** Statutory health insurance (GKV / KVdR) requires a domestic Wohnsitz registered at the Bürgeramt. Before arrival and Anmeldung the only legally accepted proof for the embassy and the Ausländerbehörde is a recognised Incoming product (Care Expatriate, Care Economy, Care Visa Protect). (Source: Sozialgesetzbuch V § 5 · Bundesministerium für Gesundheit). - **Cost without recognised cover — German hospital day rate:** A standard inpatient day in Germany averages €830 (DKG 2024). For a retiree on a visit visa a single one-week hospital stay can exceed €5,800 out of pocket. Care Expatriate at €68/month (ages 41–60) or €246/month (ages 61–74) removes that risk and is accepted at every German consulate. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## Insurance proof without a German address — the six concrete rules **Quick answer:** "What insurance does the German embassy accept for a retiree without a German address?" — A recognised Incoming product with a German PDF certificate. For Schengen visits use Care Visa Protect (EU Reg. 810/2009 compliant); for long-stay visas use Care Expatriate from €68/month (ages 41–60) or €246/month (ages 61–74), up to 5 years per contract, accepted under § 5 AufenthG. GKV is only available AFTER arrival and Anmeldung. - No Wohnsitz (no Anmeldung) → no GKV access (§ 5 SGB V) — Incoming product is the only realistic lane - Schengen visit (≤ 90 days) → Care Visa Protect, EU Reg. 810/2009 compliant (≥ €30,000 cover, repatriation) - National D-visa / § 36 AufenthG family reunion → Care Expatriate (up to 5 years per contract) - Embassy & Ausländerbehörde require: insurer name + German address, named insured, validity period, repatriation cover - Travel insurance with low caps or home-country issuer → REJECTED for any stay > 90 days - After arrival + Anmeldung → re-assess GKV / KVdR (§ 5 SGB V 9/10 rule) or EU Form S1 separately ## The three pre-residence lanes — long-stay visa, Schengen visit, or pending decision Path 1 / 3 ### Path 1 — Long-stay visa (D-visa, § 36 AufenthG): Care Expatriate For a national long-stay visa the embassy needs proof covering the whole intended residence. Care Expatriate is the recognised long-term Incoming lane: from €68/month at entry age 41–60 and €246/month at 61–74 (Basic, €150 deductible), up to 5 years per contract. PDF certificate in German + English by email within minutes; insurer is HanseMerkur Reiseversicherung AG (Hamburg) — accepted by every German embassy and Ausländerbehörde under § 5 AufenthG. **Need:** Care Expatriate · § 5 AufenthG · up to 5 years [Care Expatriate from €68/month →](/en/insurance-plans/care-expatriate/overview/) Path 2 / 3 ### Path 2 — Schengen visit visa (≤ 90 days): Care Visa Protect For a short visit (Schengen C-visa) the embassy verifies EU Reg. 810/2009 compliance: at least €30,000 medical cover, repatriation, validity in all Schengen states. Care Visa Protect ticks every box at €0.85/day for ages up to 64 and €2.60/day for ages 65–74 (minimum €8.50 premium). Daily pricing — no monthly minimum, no cancellation hassle. Single PDF certificate accepted at every German embassy and consulate. **Need:** Care Visa Protect · EU Reg. 810/2009 · ≤ 92 days [Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74) →](/en/insurance-plans/care-visa-protect/overview/) Path 3 / 3 ### Path 3 — Pending Ausländerbehörde decision: Care Economy bridge For applicants already in Germany on a Fiktionsbescheinigung (provisional certificate while the Ausländerbehörde decides on the residence permit), or for retirees waiting on EU Form S1 transfer (4–12 weeks), Care Economy bridges 1 day to 2 years with per-day pricing by age — from €1.00/day for up to age 64 (with deductible) and €2.95/day for age 65 and over (with deductible), minimum €10 premium. Recognised under § 5 AufenthG. **Need:** Care Economy · ≤ 2 years · Fiktion / S1 bridge [Care Economy from €1.00/day (up to age 64) · €2.95/day (age 65 and over) →](/en/insurance-plans/care-economy/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. ## What happens when the embassy rejects the certificate — visa denial and €830/day hospital risk ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 👴 Age changes everything Senior pricing and eligibility matter Older parents or seniors may face higher prices and entry-age limits, so the wrong choice can create surprises before applying. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Embassy interview booked? Lock the certificate before the appointment ## Why act before family visit or residence paperwork Older visitors often face age-based pricing and eligibility limits. Waiting too long can make the right option harder to choose. 👴 Age affects price Senior rates can be much higher, so check pricing before preparing documents. 📄 Entry-age limits matter Many incoming insurance options are only available up to a specific entry age. ⚡ Short visit or long stay? Care Visa Protect, Care Economy and Care Expatriate serve different stay lengths. ✅ Avoid coverage gaps Choose the coverage period carefully if family visit dates or residence timing are uncertain. ## From contract to embassy-ready certificate — in 3 steps 10 minutes online. No medical exam, no health questions for standard tier cover. PDF certificate in German + English by email within minutes — accepted by every German embassy and Ausländerbehörde 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 as embassy-recognised proof before arrival 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 — long-stay visa (primary), Schengen visit, and Fiktion bridge 🎯 Long-stay visa · 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 🛂 Schengen 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 🛟 Fiktion / S1 wait bridge ### 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 Need the line-by-line certificate field checklist? [Ausländerbehörde insurance-proof fields](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/). Which proofs are commonly required for retirees abroad? [Required proofs for foreign retirees](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-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-stay), Care Visa Protect (Schengen), Care Economy (bridge) **Quick answer:** Care Expatriate is the recognised pre-residence long-stay lane: ages 41–60 from €68/month (Basic, €150 deductible); ages 61–74 from €246/month — up to 5 years per contract. Care Visa Protect covers a Schengen visit at €0.85/day (up to age 64) and €2.60/day (age 65 and over). Care Economy bridges 1 day to 2 years with per-day pricing by age (€1.00/day for 0–64, €2.95/day for 65–74, both with deductible). ### Long-stay visa — 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/) ### 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/) ### 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 — Insurance proof for retirees without a German address ## Frequently Asked Questions Can retirees get insurance proof without a German address? Yes — Care Expatriate issues a PDF certificate from €246/month (age 61–74) without requiring an Anmeldung — accepted at the German embassy and Ausländerbehörde under § 5 AufenthG for initial permit applications. Which order for retirees — visa, insurance or Anmeldung? Insurance first (Care Expatriate PDF same day, €246/month), then embassy visa appointment, arrival, Anmeldung within 14 days (§ 17 BMG), then residence-permit appointment within 90 days at the Ausländerbehörde. Does the embassy accept insurance without a German address? Yes — all German embassies accept Care Expatriate PDF from €246/month (age 61–74) with a foreign address on the certificate. German address can be added later within 90 days of arrival. What happens if I miss the Anmeldung deadline as a retiree? Fine up to €1,000 under § 54 BMG. Insurance is unaffected — Care Expatriate remains valid from €246/month (age 61–74). Anmeldung must be completed before the Ausländerbehörde appointment for the residence permit. Do banks require Anmeldung to open an account for retirees? Some (Sparkasse, Deutsche Bank) require it; others (N26, Wise, Revolut) don't. Care Expatriate PDF from €246/month satisfies most bank onboarding checks as residence-permit indicator. Anmeldung follows within 2 weeks of arrival. What insurance do retirees without a German address need? Retirees without a permanent residence in Germany typically need incoming health insurance like [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (long-term, up to 5 years) or [Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/) (short-term, up to 2 years). No German address is required for enrollment. Can I get health insurance in Germany without registering a residence? Yes – incoming insurance does not require a registered address (Meldeadresse). You can enroll online using your home country address and receive instant PDF proof for authorities. What happens if the Ausländerbehörde rejects my insurance proof? Check that your certificate shows the **coverage amount (min. €30,000 for Schengen), the territory (Germany/Schengen), repatriation coverage, and the exact dates**. Incoming insurances like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) are designed to meet these requirements and provide proof in German and English. [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: September 6, 2026.