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    Health Insurance for Foreigners in Germany
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    Care Expatriate — embassy & Ausländerbehörde-recognised long-stay lane (up to 5 years)from €68/month (41–60) · from €246/month (61–74)
    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/monthEntry age 61–74: from €246/month
    4.9/5 · Over 10,000 policies since 2009
    Foreign retiree without permanent residence in Germany — recognised insurance proof for the German embassy and Ausländerbehörde
    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. 1Long-stay visa / § 36 AufenthG → Care Expatriate: Recognised long-term Incoming product — Care Expatriate from €68/month (41–60) · from €246/month (61–74), up to 5 years per contract, accepted by every German embassy and Ausländerbehörde under § 5 AufenthG.
    2. 2Schengen 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. 3Pending 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) bridges up to 2 years.

    Long-stay visa, Schengen visit or pending decision — which lane fits your case? 30-second tariff finder →

    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

    4.9/5

    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.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing
    4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued

    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 →
    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 0–64 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 (0–64) · €2.60/day (65–74) →
    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 0–64 (with deductible) and €2.95/day for 65–74 (with deductible), minimum €10 premium. Recognised under § 5 AufenthG.

    Need: Care Economy · ≤ 2 years · Fiktion / S1 bridge
    Care Economy from €1.00/day (0–64) · €2.95/day (65–74) →

    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. Pick the right plan

      Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.

    2. Apply online

      Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.

    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 · Since 2009 · Over 10,000 policies issued
    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

    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

    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

    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

    Yunhee

    Australia

    Now choose your plan

    4.9/5 · Since 2009 · Over 10,000 policies issued

    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 (0–64) and €2.60/day (65–74). 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 Expatriateworldwide without USA, Canada and Mexico
    Basic
    BestsellerComfort
    Premium
    Deductible / yr
    150,–
    Deductible / yr
    150,–
    Deductible / yr
    500,–
    Deductible / yr
    0,–
    Deductible / yr
    500,–
    Deductible / yr
    1.000,–
    Entry age:0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,–
    Entry age:13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,–
    Entry age:41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,–
    Entry age:61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,–

    All prices per month/person in euros. Deductible applies per insurance year. As of 2026.

    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.

    Bridge — Care Economy (1 day–2 years)

    Care Economy
    Duration
    Bestsellerup to 64
    up to 64
    Bestseller65+
    65+
    no deductible with deductible no deductible with deductible
    up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day
    91–180 days €1.59/day €1.35/day €4.37/day €3.70/day
    181–365 days €2.30/day €1.95/day €5.84/day €4.95/day
    366–730 days €2.83/day €2.40/day €9.32/day €7.90/day

    All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026.

    FAQ — Insurance proof for retirees without a German address

    Frequently Asked Questions

    What insurance does the German embassy accept for a retiree applying for a long-stay visa from abroad?

    For a national D-visa or § 36 AufenthG family-reunion visa: an Incoming product with a recognised German PDF certificate covering the full intended stay from day 1. The standard long-term lane is <a href="/en/insurance-plans/care-expatriate/overview/" class="text-primary underline underline-offset-2">Care Expatriate from €68/month (ages 41–60) · €246/month (ages 61–74)</a> — up to 5 years per contract, certificate in German + English by email within minutes, accepted by every German embassy and Ausländerbehörde under § 5 AufenthG. For a Schengen visit visa (max 90 days) use Care Visa Protect at €0.85/day (0–64) or €2.60/day (65–74), Schengen-compliant under EU Reg. 810/2009 (≥ €30,000 medical cover and repatriation).

    Can a retiree without a German address apply for GKV (statutory) before the visa is issued?

    No. Statutory health insurance (GKV / KVdR) under § 5 SGB V requires a domestic Wohnsitz (registered residence in Germany — the Anmeldung from the Bürgeramt). EU pensioners have a separate path via Form S1 under EU Reg. 883/2004, but this also requires registration with a German GKV and processing time of 4–12 weeks. For the visa application stage, the realistic proof is always an Incoming product (Care Expatriate, Care Economy, Care Visa Protect). Switch to GKV / KVdR / S1 only after Anmeldung — see the residence-permit and the family-insurance guides for sequencing.

    What exact details must appear on the certificate for the embassy or Ausländerbehörde to accept it?

    Insurer name and German address (HanseMerkur Reiseversicherung AG, Hamburg, for the Care products), named insured person and date of birth, validity period covering the whole intended stay, scope of cover (acute medical treatment in Germany, repatriation), sum insured (≥ €30,000 for Schengen visas; Incoming products in Germany typically cover the actual treatment cost without monetary cap, which the Ausländerbehörde accepts), and validity in all Schengen states for a Schengen visa. Travel insurance with low limits or home-country issuers is rejected. See the <a href="/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/" class="text-primary underline underline-offset-2">Ausländerbehörde insurance-proof field guide</a> for the line-by-line checklist.