--- title: "From €2.60/day · Visiting parents vs. residence Germany" description: "Visiting parents vs. permanent residence in Germany: which insurance lane the embassy and Ausländerbehörde accept, with proof checklist." 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": "Visiting family vs. permanent residence in Germany: health-insurance differences and proofs", "description": "Visiting parents vs. permanent residence in Germany: which insurance lane the embassy and Ausländerbehörde accept, with proof checklist.", "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": "2026-09-08", "dateModified": "2026-08-30", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "European Health Insurance Card", "url": "https://en.wikipedia.org/wiki/European_Health_Insurance_Card" }, { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Retirees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/" }, { "@type": "ListItem", "position": 4, "name": "Visit vs. Residence in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What's the insurance difference between visiting family and permanent residence for retirees?", "acceptedAnswer": { "@type": "Answer", "text": "Visits under 90 days → Schengen visa + Care Visa Protect from €0.85/day. Permanent residence over 90 days → § 36 AufenthG + Care Expatriate from €246/month (age 61–74). Both need German-language certificate." } }, { "@type": "Question", "name": "Can Care Economy cover a 6-month family visit for retirees?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, up to 24 months. Care Economy for ages 65 and over: from about €88.50/30 days depending on tier. Accepted for tourist and family-visit permits under § 5 AufenthG, but not for permanent residence under § 36." } }, { "@type": "Question", "name": "Which insurance does a Schengen family visit require for retirees?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect from €0.85/day (minimum €7.50, coverage up to 92 days) per EU Regulation 810/2009. Age-based pricing: 0.85–3.50 €/day for age 65–74. Certificate issued same day." } }, { "@type": "Question", "name": "Does the Ausländerbehörde treat family visits vs permanent residence differently?", "acceptedAnswer": { "@type": "Answer", "text": "Visits: Schengen (Care Visa Protect from €0. Yes. 85/day) accepted. Permanent residence over 90 days: Incoming tariff (Care Expatriate from €246/month age 61–74) or GKV required under § 5 AufenthG." } }, { "@type": "Question", "name": "Can I upgrade from Care Economy to Care Expatriate mid-stay?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — care Economy (from about €88.50/30 days, ages 65 and over) cancels monthly and Care Expatriate (from €246/month age 61–74) can start seamlessly. Recommended when the stay extends beyond 24 months or a permanent-residence permit is applied for." } }, { "@type": "Question", "name": "What is the difference between visit and residence health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For short visits (up to 90 days), travel health insurance like Care Visa Protect (from €0.85/day) is typically sufficient. For permanent residence, German authorities require comprehensive coverage — public insurance (GKV), private insurance (PKV), or recognized long-term incoming insurance like Care Expatriate (from €58/month, up to 5 years)." } }, { "@type": "Question", "name": "Do I need health insurance to visit my family in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. For a Schengen visa, you need health insurance with a minimum coverage of €30,000 including medical repatriation. Care Visa Protect meets all EU requirements from €0.85/day. The certificate is issued instantly via email." } }, { "@type": "Question", "name": "How much does health insurance cost for elderly parents visiting Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For parents aged 50–74: Care Economy from €50/30 days. For longer stays or residence: Care Expatriate from €58/month (up to 5 years). No blanket rejection due to age — coverage is available up to age 74." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What's the insurance difference between visiting family and permanent residence for retirees?", "text": "What's the insurance difference between visiting family and permanent residence for retirees?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Visits under 90 days → Schengen visa + Care Visa Protect from €0.85/day. Permanent residence over 90 days → § 36 AufenthG + Care Expatriate from €246/month (age 61–74). Both need German-language certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can Care Economy cover a 6-month family visit for retirees?", "text": "Can Care Economy cover a 6-month family visit for retirees?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, up to 24 months. Care Economy for ages 65 and over: from about €88.50/30 days depending on tier. Accepted for tourist and family-visit permits under § 5 AufenthG, but not for permanent residence under § 36.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance does a Schengen family visit require for retirees?", "text": "Which insurance does a Schengen family visit require for retirees?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect from €0.85/day (minimum €7.50, coverage up to 92 days) per EU Regulation 810/2009. Age-based pricing: 0.85–3.50 €/day for age 65–74. Certificate issued same day.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the Ausländerbehörde treat family visits vs permanent residence differently?", "text": "Does the Ausländerbehörde treat family visits vs permanent residence differently?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Visits: Schengen (Care Visa Protect from €0. Yes. 85/day) accepted. Permanent residence over 90 days: Incoming tariff (Care Expatriate from €246/month age 61–74) or GKV required under § 5 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I upgrade from Care Economy to Care Expatriate mid-stay?", "text": "Can I upgrade from Care Economy to Care Expatriate mid-stay?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — care Economy (from about €88.50/30 days, ages 65 and over) cancels monthly and Care Expatriate (from €246/month age 61–74) can start seamlessly. Recommended when the stay extends beyond 24 months or a permanent-residence permit is applied for.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the difference between visit and residence health insurance in Germany?", "text": "What is the difference between visit and residence health insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For short visits (up to 90 days), travel health insurance like Care Visa Protect (from €0.85/day) is typically sufficient. For permanent residence, German authorities require comprehensive coverage — public insurance (GKV), private insurance (PKV), or recognized long-term incoming insurance like Care Expatriate (from €58/month, up to 5 years).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need health insurance to visit my family in Germany?", "text": "Do I need health insurance to visit my family in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. For a Schengen visa, you need health insurance with a minimum coverage of €30,000 including medical repatriation. Care Visa Protect meets all EU requirements from €0.85/day. The certificate is issued instantly via email.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance cost for elderly parents visiting Germany?", "text": "How much does health insurance cost for elderly parents visiting Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For parents aged 50–74: Care Economy from €50/30 days. For longer stays or residence: Care Expatriate from €58/month (up to 5 years). No blanket rejection due to age — coverage is available up to age 74.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-retirees-germany/visiting-family-parents-vs-permanent-residence-health-insurance-differences-proofs-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Expatriate — recognised long-term residence 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. Visit vs. Residence in Germany Visit and permanent residence are two different insurance lanes. Same family — different visa, different proof, very different premium. Pick the wrong lane and the German embassy or Ausländerbehörde rejects the application. # Visiting family vs. permanent residence in Germany: health-insurance differences and proofs 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 parents visiting their German-resident family with a Care Visa Protect certificate for the Schengen visit and a Care Expatriate option ready for a future residence permit](/assets/krankenversicherung-auslaendische-rentner-deutschland-B5fD_4wQ.jpg) - [Visit lane: Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/) (Schengen ≤ 90 days · EU 810/2009 · max €50,000) - [Long visit / S1 wait: 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) - [Residence lane: Care Expatriate from €68/mo (41–60) · €246/mo (61–74)](/en/insurance-plans/care-expatriate/overview/) (§ 36 family reunion · up to 5 years · § 5 AufenthG) Visit Visa Protect ≤ 90 d Bridge Economy ≤ 2 yrs Residence Expatriate ≤ 5 yrs Three rules that decide the right lane for visiting parents vs. permanent residence in Germany: 1. 1 **Schengen visit ≤ 90 days → Care Visa Protect, never Care Expatriate:** Visit lane is [Care Visa Protect from €0.85/day (up to age 64) · €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/), EU Regulation 810/2009 compliant, max €50,000 cover, zero deductible. 2. 2 **Long visit / S1 wait (≤ 2 years) → Care Economy:** Bridge with [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) while waiting for S1 from the EU home fund or for the residence-permit appointment. 3. 3 **Permanent residence (§ 36 / § 7 AufenthG) → Care Expatriate, up to 5 years:** Long-term lane is [Care Expatriate from €68/month (41–60) · from €246/month (61–74)](/en/insurance-plans/care-expatriate/overview/). Travel-insurance Reiseversicherung is rejected for any permit longer than 90 days under § 5 AufenthG. Visit, S1 wait or permanent move — which lane fits your family? [30-second visit-vs-residence finder →](/en/tariffinder-germany/) Inside: the three lanes the German embassy and Ausländerbehörde each accept · the Verpflichtungserklärung trick that removes the host's medical liability · the day-90 cliff that forces a switch from visit cover to a residence-permit product Sources: § 5 AufenthG · § 7 AufenthG · § 36 AufenthG · § 68 AufenthG (Verpflichtungserklärung) · EU Regulation 810/2009 (Schengen Visa Code) · HanseMerkur Care Visa Protect AVB · HanseMerkur Care Expatriate AVB · § 5 / § 10 SGB V · EU Regulation 883/2004 (S1) · Auswärtiges Amt Senior Stay Coverage Options for visitors and long-stay seniors up to entry age 74 Visa & Residence Proof Proof for embassy, consulate or residence documents Online Application Receive confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 30, 2026** Sources§ 5 AufenthG · § 7 AufenthG · § 36 AufenthG · § 68 AufenthG · EU Regulation 810/2009 · HanseMerkur Care Visa Protect AVB · HanseMerkur Care Expatriate AVB · § 5 / § 10 SGB V · § 257 SGB V · EU Regulation 883/2004 (S1) · Auswärtiges Amt · DKG-Krankenhausstatistik 2024 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Two lanes, one family — Care Visa Protect for the Schengen visit and Care Expatriate for the residence permit. Pick the right one before the embassy interview. [Care Expatriate (residence, up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (long visit / S1 bridge) 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 - Visiting parents in Germany and moving to Germany are two completely different insurance lanes — same family, different paperwork, very different premiums. The VISIT lane (Schengen visa ≤ 90 days, Verpflichtungserklärung by the German host under § 68 AufenthG) is covered by Care Visa Protect (HanseMerkur, €0.85/day ages up to 64, €2.60/day ages 65–74, max €50,000 cover, no deductible, repatriation included, EU Regulation 810/2009 compliant). The PERMANENT RESIDENCE lane (12+ months, § 36 AufenthG family reunion or § 7 AufenthG) is the long-term Incoming product Care Expatriate from €68/month (ages 41–60) and €246/month (ages 61–74), accepted by every Ausländerbehörde under § 5 AufenthG. - The single biggest mistake foreign families make: buying a cheap travel-insurance certificate (Reiseversicherung) for a long-term residence permit. The Schengen-visa lane (Care Visa Protect) only covers up to 92 days and is not accepted for a residence permit longer than 90 days. For the bridge between a visit visa and a future residence permit, Care Economy keeps cover continuous up to 2 years — from €1.00/day (ages up to 64, with deductible) and from €2.95/day for ages 65 and over (with deductible). - The Verpflichtungserklärung (formal declaration of commitment) signed by the German host at the local Ausländerbehörde transfers public medical costs to the host — Care Visa Protect or Care Economy as a recognised Incoming product removes that liability for the host because the insurer pays the bill (§ 68 AufenthG, see Federal Foreign Office guidance). Key facts at a glance Reviewed August 30, 2026 - **Care Visa Protect — Schengen visit lane (≤ 92 days):** €0.85/day for ages 0–64, €2.60/day for ages 65–74, minimum premium €8.50, max €50,000 cover, zero deductible, repatriation included, EU Regulation 810/2009 compliant. Certificate in German + English by email within minutes — accepted by every German embassy. (Source: HanseMerkur Care Visa Protect AVB · EU Regulation 810/2009). - **§ 68 AufenthG — Verpflichtungserklärung removes the host's liability:** When parents visit on a Schengen visa the German host signs the Verpflichtungserklärung at the local Ausländerbehörde, transferring public medical costs to the host. A recognised Incoming insurer (Care Visa Protect, Care Economy) pays the bill instead — the host's personal liability is removed in practice. (Source: Aufenthaltsgesetz § 68 · Auswärtiges Amt). - **§ 5 / § 36 AufenthG — residence permit requires a long-term Incoming product:** For a residence permit longer than 90 days the Ausländerbehörde requires a recognised long-term lane: Care Expatriate (Incoming), German GKV (only with KVdR or Sozialversicherungsabkommen), or Substitutive PKV. Travel-insurance certificates are not accepted. Care Expatriate: €68/month at entry age 41–60, €246/month at entry age 61–74 (Basic, €150 deductible). (Source: Aufenthaltsgesetz (AufenthG) · BAMF). - **German hospital cost without recognised cover:** A standard inpatient day in Germany averages €830 (DKG 2024). For a visiting parent who falls ill on day 7, a one-week stay can exceed €5,800 out of pocket — Care Visa Protect at €18 / 30 days for ages up to 64 (€78 / 30 days for ages 65–74) removes that risk entirely. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## Visit vs. residence — the six concrete differences for foreign families **Quick answer:** "What is the difference between visiting parents in Germany and them moving permanently — for health insurance?" — three lanes: Care Visa Protect for the Schengen visit (≤ 90 days), Care Economy for the long visit or S1 wait (≤ 2 years), Care Expatriate for the residence permit (12+ months, § 5 / § 36 AufenthG). The host's Verpflichtungserklärung under § 68 AufenthG transfers liability, but a recognised Incoming insurer makes the host's exposure disappear in practice. - Visit lane (Schengen visa ≤ 90 days) → Care Visa Protect, €0.85/day (up to age 64) · €2.60/day (65–74), max €50,000 cover - Long visit / S1 wait / category change (≤ 2 years) → Care Economy: from €1.00/day (ages up to 64, with deductible) · from €2.95/day (ages 65 and over, with deductible) - Permanent residence (12+ months, § 36 / § 7 AufenthG) → Care Expatriate from €68/month (41–60) · €246/month (61–74) - Verpflichtungserklärung (§ 68 AufenthG) — host's liability is removed when a recognised Incoming insurer pays the bill - Travel-insurance Reiseversicherung is rejected for any residence permit longer than 90 days under § 5 AufenthG - EU pensioners with Form S1 → German GKV (AOK, TK, DAK-Gesundheit), home country pays — bridge with Care Economy ## The three lanes — and the recognised Incoming product for each one Lane 1 / 3 ### Lane 1 — Permanent residence (§ 36 / § 7 AufenthG) — primary lane Family-reunion permit for elderly parents (§ 36 AufenthG) or general residence (§ 7 AufenthG) of 12+ months: the recognised long-term lane is Care Expatriate, from €68/month at entry age 41–60 and €246/month at entry age 61–74 (Basic, €150 deductible). Up to 5 years per contract; certificate in German + English; § 5 AufenthG re-checks at every renewal. This is the lane every long-staying parent ends up in. **Need:** Care Expatriate · § 5 / § 36 AufenthG · up to 5 years [Care Expatriate from €68/month →](/en/insurance-plans/care-expatriate/overview/) Lane 2 / 3 ### Lane 2 — Long visit / S1 wait (≤ 2 years) When the visit extends beyond 90 days or you bridge an S1 procedure (4–12 weeks for EU pensioners), Care Economy keeps cover continuous. Per-day pricing by age and term: ages up to 64 from €1.00/day (with deductible) — ages 65 and over from €2.95/day (with deductible). Minimum premium €10/person. Single Incoming product, recognised by every Ausländerbehörde for stays up to 2 years and switchable to Care Expatriate the moment the residence permit is granted. **Need:** Care Economy · ≤ 2 years · 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/) Lane 3 / 3 ### Lane 3 — Visit (Schengen, ≤ 90 days) Parents enter on a Schengen short-stay visa, the German host signs the Verpflichtungserklärung under § 68 AufenthG, and the recognised cover is Care Visa Protect: €0.85/day for ages up to 64, €2.60/day for ages 65–74, up to €50,000 cover, zero deductible, repatriation included, EU Regulation 810/2009 compliant. Certificate in German + English by email within minutes — accepted by every German embassy. **Need:** Care Visa Protect · § 68 AufenthG · EU 810/2009 [Care Visa Protect from €0.85/day →](/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. ## What happens when the wrong lane is chosen — visit cover for a residence permit, or vice versa ## 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? Pick the right lane first — visit (Care Visa Protect) or residence (Care Expatriate) ## 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. Cover starts on the day you select. ## 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 families say about Care Visa Protect for the Schengen visit and Care Expatriate for the residence permit 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 — visit lane, S1 / category-change bridge, and residence lane 🎯 Residence 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 🛂 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 🛟 S1 / long-visit 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 When exactly must cover be in force? [Timing of cover for retirees moving to Germany](/en/guide-health-insurance-germany/health-insurance-retirees-germany/retirees-moving-to-germany-when-insurance-cover-must-exist-germany/). Need the proofs checklist? [Required proofs for foreign retirees](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-retirees-abroad-which-proofs-common-required-germany/). When does the residence permit re-check the cover? [Residence permit & insurance for retirees](/en/guide-health-insurance-germany/health-insurance-retirees-germany/residence-permit-retirees-when-health-insurance-matters-germany/). For the full overview see the [foreign-retirees hub](/en/guide-health-insurance-germany/health-insurance-retirees-germany/). ## Full price tables — Care Visa Protect (visit), Care Economy (bridge), Care Expatriate (residence) **Quick answer:** Care Visa Protect for the Schengen visit: €0.85/day (ages up to 64), €2.60/day (ages 65–74), max €50,000 cover, zero deductible. Care Economy bridges 1 day to 2 years with per-day pricing by age: ages 0–64 from €1.00/day (with deductible), ages 65–74 from €2.95/day (with deductible), minimum premium €10. Care Expatriate is the recognised residence lane: ages 41–60 from €68/month (Basic, €150 deductible); ages 61–74 from €246/month — up to 5 years per contract. ### Visit — Care Visa Protect (Schengen ≤ 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/) ### Residence — Care Expatriate (ages 0–74, up to 5 years) Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ## FAQ — Visiting family vs. permanent residence in Germany ## Frequently Asked Questions What's the insurance difference between visiting family and permanent residence for retirees? Visits under 90 days → Schengen visa + Care Visa Protect from €0.85/day. Permanent residence over 90 days → § 36 AufenthG + Care Expatriate from €246/month (age 61–74). Both need German-language certificate. Can Care Economy cover a 6-month family visit for retirees? Yes, up to 24 months. Care Economy for ages 65 and over: from about €88.50/30 days depending on tier. Accepted for tourist and family-visit permits under § 5 AufenthG, but not for permanent residence under § 36. Which insurance does a Schengen family visit require for retirees? Care Visa Protect from €0.85/day (minimum €7.50, coverage up to 92 days) per EU Regulation 810/2009. Age-based pricing: 0.85–3.50 €/day for age 65–74. Certificate issued same day. Does the Ausländerbehörde treat family visits vs permanent residence differently? Visits: Schengen (Care Visa Protect from €0. Yes. 85/day) accepted. Permanent residence over 90 days: Incoming tariff (Care Expatriate from €246/month age 61–74) or GKV required under § 5 AufenthG. Can I upgrade from Care Economy to Care Expatriate mid-stay? Yes — care Economy (from about €88.50/30 days, ages 65 and over) cancels monthly and Care Expatriate (from €246/month age 61–74) can start seamlessly. Recommended when the stay extends beyond 24 months or a permanent-residence permit is applied for. What is the difference between visit and residence health insurance in Germany? For **short visits** (up to 90 days), travel health insurance like Care Visa Protect (from €0.85/day) is typically sufficient. For **permanent residence**, German authorities require comprehensive coverage — public insurance (GKV), private insurance (PKV), or recognized long-term incoming insurance like [Care Expatriate (from €58/month, up to 5 years)](/en/insurance-plans/care-expatriate/overview/). Do I need health insurance to visit my family in Germany? Yes. For a Schengen visa, you need health insurance with a **minimum coverage of €30,000** including medical repatriation. Care Visa Protect meets all EU requirements from €0.85/day. The certificate is issued instantly via email. How much does health insurance cost for elderly parents visiting Germany? For parents aged 50–74: Care Economy from **€50/30 days**. For longer stays or residence: [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (up to 5 years). No blanket rejection due to age — coverage is available up to age 74. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: August 30, 2026.