--- title: "From €27.50/mo · Deregistration End of Status · Germany 2026" description: "Deregistration Studentenstatus Endet Health Insurance What Passiert: practical guidance for foreigners in Germany." 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 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"description": "Deregistration Studentenstatus Endet Health Insurance What Passiert: practical guidance for foreigners in Germany.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-08-29", "dateModified": "2026-09-01", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "DAK-Gesundheit", "url": "https://de.wikipedia.org/wiki/DAK-Gesundheit" }, { "@type": "Thing", "name": "Techniker Krankenkasse", "url": "https://en.wikipedia.org/wiki/Techniker_Krankenkasse" }, { "@type": "Thing", "name": "AOK", "url": "https://en.wikipedia.org/wiki/AOK" }, { "@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 Students in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/" }, { "@type": "ListItem", "position": 4, "name": "De-Registration in Germany: What Happens?", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Ready for university enrollment in 3 steps", "description": "DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your student plan", "text": "DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university." } ], "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 happens to student health insurance after exmatriculation in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "DAK-Studenten (~€135.52/month) and Care Student (€101.54/month) both end within 14 days of exmatriculation. You must arrange follow-on cover — voluntary GKV (~€210–240/month) or private Care Expatriate (from €58/month) — before the university's M10 close-out notification." } }, { "@type": "Question", "name": "How long after exmatriculation is health insurance still valid in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Up to 14 days by default under § 190 SGB V. After that DAK-Studenten (~€135.52/month) ends automatically. A coverage gap can jeopardise the residence permit under § 5 AufenthG, so a follow-on such as Care Expatriate (from €58/month) should be active on day 15 at the latest." } }, { "@type": "Question", "name": "Can I stay in Germany after exmatriculation without health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "No — continuous cover is a legal requirement (Krankenversicherungspflicht applies to every residence title). Typically Care Expatriate (from €58/month) during job-search under § 20 AufenthG, or GKV via a new employer (~17.8% of gross)." } }, { "@type": "Question", "name": "Does GKV extend automatically after student status ends in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — gKV members must actively apply for voluntary continuation (freiwillige Weiterversicherung, ~€210–240/month) within 14 days of exmatriculation. Missing this deadline forces a switch to private cover — Care Expatriate from €58/month is the recognised alternative." } }, { "@type": "Question", "name": "Is Care Expatriate accepted after exmatriculation in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate (from €58/month, ages 13–40; up to €432/month at ages 61–74, Premium) runs 1–60 months, has a €150 deductible on Basic and is regularly accepted by the Ausländerbehörde under § 5 AufenthG for post-study residence permits including the job-search permit under § 20 AufenthG." } }, { "@type": "Question", "name": "What happens to health insurance when a student is exmatriculated in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The student health insurance tariff ends with exmatriculation. You must immediately arrange follow-up coverage: voluntary public insurance (GKV), employer-based insurance if starting a job, or private incoming insurance like Care Expatriate (from €58/month). A gap in coverage can jeopardize your residence permit." } }, { "@type": "Question", "name": "Can I stay in Germany after exmatriculation to look for a job?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, under §20b AufenthG you may apply for a job-seeking residence permit (up to 18 months). However, you must maintain continuous health insurance coverage. Care Expatriate (from €58/month, up to 60 months) or voluntary GKV are typical options during the job search." } }, { "@type": "Question", "name": "How much does health insurance cost after losing student status in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Voluntary public insurance (GKV) starts at approximately €210–230/month. A more affordable alternative is Care Expatriate (from €58/month, up to 60 months) — an incoming insurance accepted for residence permit renewals. You can compare options via the Tariffinder." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to student health insurance after exmatriculation in Germany?", "text": "What happens to student health insurance after exmatriculation in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "DAK-Studenten (~€135.52/month) and Care Student (€101.54/month) both end within 14 days of exmatriculation. You must arrange follow-on cover — voluntary GKV (~€210–240/month) or private Care Expatriate (from €58/month) — before the university's M10 close-out notification.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long after exmatriculation is health insurance still valid in Germany?", "text": "How long after exmatriculation is health insurance still valid in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Up to 14 days by default under § 190 SGB V. After that DAK-Studenten (~€135.52/month) ends automatically. A coverage gap can jeopardise the residence permit under § 5 AufenthG, so a follow-on such as Care Expatriate (from €58/month) should be active on day 15 at the latest.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I stay in Germany after exmatriculation without health insurance?", "text": "Can I stay in Germany after exmatriculation without health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — continuous cover is a legal requirement (Krankenversicherungspflicht applies to every residence title). Typically Care Expatriate (from €58/month) during job-search under § 20 AufenthG, or GKV via a new employer (~17.8% of gross).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does GKV extend automatically after student status ends in Germany?", "text": "Does GKV extend automatically after student status ends in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — gKV members must actively apply for voluntary continuation (freiwillige Weiterversicherung, ~€210–240/month) within 14 days of exmatriculation. Missing this deadline forces a switch to private cover — Care Expatriate from €58/month is the recognised alternative.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care Expatriate accepted after exmatriculation in Germany?", "text": "Is Care Expatriate accepted after exmatriculation in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate (from €58/month, ages 13–40; up to €432/month at ages 61–74, Premium) runs 1–60 months, has a €150 deductible on Basic and is regularly accepted by the Ausländerbehörde under § 5 AufenthG for post-study residence permits including the job-search permit under § 20 AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to health insurance when a student is exmatriculated in Germany?", "text": "What happens to health insurance when a student is exmatriculated in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The student health insurance tariff ends with exmatriculation. You must immediately arrange follow-up coverage: voluntary public insurance (GKV), employer-based insurance if starting a job, or private incoming insurance like Care Expatriate (from €58/month). A gap in coverage can jeopardize your residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I stay in Germany after exmatriculation to look for a job?", "text": "Can I stay in Germany after exmatriculation to look for a job?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, under §20b AufenthG you may apply for a job-seeking residence permit (up to 18 months). However, you must maintain continuous health insurance coverage. Care Expatriate (from €58/month, up to 60 months) or voluntary GKV are typical options during the job search.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance cost after losing student status in Germany?", "text": "How much does health insurance cost after losing student status in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Voluntary public insurance (GKV) starts at approximately €210–230/month. A more affordable alternative is Care Expatriate (from €58/month, up to 60 months) — an incoming insurance accepted for residence permit renewals. You can compare options via the Tariffinder.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/de-enrollment-when-student-status-ends-what-happens-to-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "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 — bridge after de-enrollment from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Students in Germany](/en/guide-health-insurance-germany/health-insurance-students-germany/) 4. De-Registration in Germany: What Happens? 14 days after de-enrollment — miss it and voluntary GKV is gone for good # De-Enrollment in Germany: What Happens to Health Insurance When Student Status Ends 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![De-enrollment from a German university — what happens to health insurance when student status ends](/assets/schloss-neuschwanstein-rentner-deutschland-BUe6CLV2.jpg) - [Job-seeking / freelance: Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (up to 5 years · vs. losing § 20b AufenthG residence permit) - [Starting a job: DAK-Gesundheit (employees) ~17.8% of gross](/en/insurance-plans/dak-gesundheit-angestellte/overview/) (employer pays half · automatic enrolment) - Voluntary GKV: ~€210–230/month (apply within 14 days · vs. permanent loss of GKV access) Path A: Job DAK · 17.8% Path B: § 20b €58/mo · 18 mo Path C: Voluntary GKV 14-day deadline Sources: § 9 SGB V (voluntary GKV continuation) · § 20b AufenthG (job-seeking permit after German degree) · § 5 Abs. 1 Nr. 1 SGB V (employee GKV) · § 10 SGB V (family insurance) · HanseMerkur Care Expatriate AVB · DAK-Gesundheit operations 2025 When the German university de-enrolls you, three paths stay legally open — but only one stays open after the 14th day: 1. A **Starting an employed job:** [DAK-Gesundheit for employees 17.8% of gross (open-ended)](/en/insurance-plans/dak-gesundheit-angestellte/overview/) — the employer enrols you automatically (§ 5 SGB V), half of the contribution paid by the employer. 2. B **Job-seeking under § 20b AufenthG (up to 18 months) or freelancing:** [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) — recognised by the Ausländerbehörde for residence-permit renewal, PDF certificate by email in minutes, monthly cancellable when employment starts. 3. C **Voluntary GKV continuation (~€210–230/month):** available only if you apply within **14 days** of the de-enrollment date (§ 9 SGB V). Miss this window and voluntary GKV is gone — only employer-GKV or private incoming remain. See also the [transition-to-job guide](/en/guide-health-insurance-germany/health-insurance-students-germany/after-studies-transition-to-job-health-insurance-status-from-when-germany/). De-enrollment certificate already in hand? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the 14-day rule that decides 10 years of GKV access · the § 20b permit no career advisor mentions · why the Ausländerbehörde rejects PDFs from one specific insurer Student Coverage DAK-Gesundheit or HanseMerkur student options Enrollment Proof M10 notification for eligible university enrollment flows Visa & University Documents Receive confirmation for visa or enrollment steps where applicable ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 1, 2026** Sources§ 9 SGB V · § 20b AufenthG · § 5 / § 10 SGB V · HanseMerkur Care Expatriate AVB · DAK-Gesundheit operations 2025 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## De-enrollment date set? Take out Care Expatriate the same day so the Ausländerbehörde sees zero gap in coverage. [Care Expatriate — bridge after de-enrollment (PDF in minutes) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[DAK-Gesundheit (employees) — when starting a job 17.8% of gross (open-ended) ](/en/insurance-plans/dak-gesundheit-angestellte/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 - On the day the German university issues the de-enrollment certificate (Exmatrikulationsbescheinigung), the cheap statutory student tariff (~€135.52/month at DAK-Gesundheit) ENDS — automatically and tag-genau (to the day). A 14-day window then opens during which you must either move into a new statutory cover (employer-based GKV when starting a job, or voluntary GKV at ~€210–230/month) OR switch to a recognised private incoming insurance. Miss the 14-day deadline and you lose GKV access entirely. - The standard combinations: starting a job → the employer files you with DAK-Gesundheit (~17.8% of gross, half paid by the employer); job-seeking under § 20b AufenthG (up to 18 months) or freelancing → Care Expatriate from €58/month (up to 5 years), recognised by the Ausländerbehörde for residence-permit renewal; remaining in Germany without income → voluntary GKV ~€210–230/month if applied for within 14 days. - Two failure modes that cost foreign graduates their residence permit: (1) waiting more than 14 days to react — voluntary GKV access is gone, and only employer-GKV or private incoming remains; (2) presenting NO insurance certificate at the Ausländerbehörde when applying for a § 20b job-seeking permit — caseworkers reject the file the same day. Care Expatriate delivers the recognised certificate by email in minutes. Key facts at a glance Reviewed September 1, 2026 - **De-enrollment ends the GKV student tariff tag-genau (to the day):** There is no grace period inside the student tariff. The day printed on the Exmatrikulationsbescheinigung is the last day of cover at ~€135.52/month — the next day requires a new legal basis for insurance. (Source: § 5 Abs. 1 Nr. 9 SGB V). - **Voluntary GKV continuation: ~€210–230/month, 14-day application deadline:** Under § 9 SGB V you may continue voluntarily in the statutory system if you have been GKV-insured long enough — but the application must reach the GKV within 14 days of the end of compulsory cover. Past that date the door is closed permanently. (Source: § 9 SGB V). - **Job-seeking permit under § 20b AufenthG: up to 18 months after a German degree:** Foreign graduates can apply for an 18-month job-seeking residence permit — but only with continuous health-insurance proof. Care Expatriate from €58/month (up to 5 years) is the standard recognised tariff for this phase. (Source: § 20b AufenthG · HanseMerkur Care Expatriate AVB). - **Starting a job: employer enrols you in DAK at ~17.8% of gross (half paid by employer):** Under § 5 SGB V every employed worker below the JVEG threshold (€77,400/yr) is automatically GKV-insured via the employer. From day 1 of the contract the previous private bridge can be cancelled monthly — no parallel cover required. (Source: § 5 SGB V · DAK-Gesundheit operations 2025). ## Five typical mistakes after de-enrollment **Quick answer:** "I lost my student status — what now?" — most graduates run into one of five issues: assuming the GKV student tariff continues for a few weeks; missing the 14-day voluntary-GKV deadline; applying for a § 20b job-seeking permit without an insurance certificate; cancelling the student tariff before the new cover starts; or ignoring that the Ausländerbehörde will not renew the residence permit without proof of continuous insurance. ## Avoid the mistakes that can delay your application ### Enrollment can stall without M10 DAK Student and Care Student support electronic M10 notification for eligible university enrollment flows. ### Under 30 or over 30? DAK Student fits many students up to age 29; Care Student can fit private student coverage up to age 39. ### Private or statutory confusion Choosing the wrong route can create extra steps. Check statutory, private and exemption rules before applying. ### Language school is different Care College is better for language school, Studienkolleg, DSH and educational stays — not M10 university enrollment. ## What a single uninsured day after de-enrollment actually costs ## 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. 🎓 1 missed M10 Enrollment can get stuck For university enrollment, the wrong insurance route can delay the electronic M10 notification to your university. - 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. ## De-enrollment certificate already issued? Care Expatriate delivers the recognised PDF in minutes ## Why act before university enrollment University enrollment can depend on the right insurance route. Waiting too long can delay M10 notification or create extra steps. 🎓 M10 timing matters DAK Student and Care Student can support M10 university enrollment flows where applicable. 📄 Wrong route creates delays Language school, Studienkolleg and DSH usually need Care College, not the university M10 route. ⚡ Apply before enrollment pressure Prepare insurance proof before the university or visa office asks for it urgently. ✅ Under 30 or over 30? DAK Student and Care Student serve different student situations. Check age and eligibility before applying. ## Bridge the gap — in 3 steps 10 minutes online, certificate by email, recognised by the Ausländerbehörde. Take out Care Expatriate the same day the de-enrollment date is fixed, switch to DAK-Gesundheit on day 1 of a new employment contract — see also the [transition-to-job guide](/en/guide-health-insurance-germany/health-insurance-students-germany/after-studies-transition-to-job-health-insurance-status-from-when-germany/). ## Ready for university enrollment in 3 steps DAK Student or Care Student for university enrollment, M10 notification and proof of coverage. 1. 1 🎯 Choose your student plan DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College. 2. 2 📝 Complete the application Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows. 3. 3 ✅ Receive your proof Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university. ## What graduates say about Care Expatriate as a bridge after de-enrollment from a German university 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/) ## The 2 products that close the gap after de-enrollment 🔍 Job-seeking / freelance — § 20b AufenthG ### Care Expatriate from only €58.00 / month (coverage 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 💼 New job — automatic GKV via employer ### DAK-Gesundheit Employees currently 17.8% of gross income (employer pays half · plus long-term care insurance) For foreign employees with a social-security-covered job in Germany - Statutory health insurance for employees in Germany - Employer pays half of the health insurance contribution - Family coverage for spouse & children may be possible under statutory rules - Doctor, dentist, hospital, pharmacy & prescription medication coverage - Health insurance card for medical treatment in Germany - EU/EEA coverage via the European Health Insurance Card - Save €120 per year with DAK Garantietarif 120 possible - Optional: DAK Fit & Travel with additional benefits up to age 39 - Mandatory long-term care insurance also applies - Reputable statutory health insurance provider Why DAK-Gesundheit? For foreign employees in Germany who need statutory health insurance with a health insurance card, employer contribution and possible family coverage. Why statutory health insurance as an employee? More security in everyday working life in Germany: the employer pays half, family members may be covered free of charge under certain conditions, and medical treatment is handled easily through the health insurance card. - 🏛️ DAK-Gesundheit - 📄 Membership certificate for employers & authorities - 🔒 Doctor, dentist, clinic, pharmacy & prescription medication - 🏷️ Currently 17.8% of gross income · employer pays half [DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit-angestellte/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit-angestellte/apply/) → Complete the application, start your membership, receive your health insurance card Still studying elsewhere or planning a PhD? [DAK-Gesundheit student tariff from €135.52/month (open-ended)](/en/insurance-plans/dak-gesundheit/overview/) (under 30, M10 automatic) or [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) (30+ / PhD / GKV-exempt) may still apply. Compare all 11 tariffs in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — bridge cover and employer GKV **Quick answer:** The two products that get you safely past de-enrollment: Care Expatriate from €58/month (1–60 months, recognised for § 20b AufenthG and Ausländerbehörde renewals) for the bridge phase, and DAK-Gesundheit (employees) at ~17.8% of gross when a regular employment contract starts. ### Bridge phase — Care Expatriate (job-seeking, freelance, post-graduation) Three tiers (Basic / Comfort / Premium), 1–60 months, monthly cancellable so it ends cleanly on the day a new employment contract starts the GKV — recognised by the Ausländerbehörde: 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/) ### New job — DAK-Gesundheit (employees) ~17.8% of gross income (half paid by the employer), automatic enrolment from day 1 of the contract, family insurance for spouse and children free of charge under § 10 SGB V: DAK-Gesundheit for employees (statutory) General contribution rate 14.6 % of gross \+ 3.2 % DAK supplement = 17.8 % Employer / employee share 8.9 % each Paid 50/50 Compulsory long-term care approx. 3.6 % standard 4.2 % childless from age 23 · reductions depending on number of children Total (incl. care, childless) ≈ 22.0 % of gross Depending on long-term care variant Family co-insurance possible Spouse & children covered under statutory conditions Sickness pay (Krankengeld) from day 43 70 % of gross, max 78 weeks Compulsory insurance limit (JAEG) €77,400 / year \= €6,450 / month (as of 2026) Income-based No flat rate — contribution scales with gross salary Family covered free Spouse without income + children co-insured Mandatory under JAEG Gross < €77,400 / year → statutory insurance required 2026 contribution rates: 14.6 % general + 3.2 % DAK supplement = 17.8 %; split 50/50 between employer and employee (8.9 % each). Compulsory long-term care approx. 3.6 % standard, 4.2 % childless from age 23, reductions depending on number of children. Family co-insurance possible under statutory conditions. As of 2026. [DAK Employees — Overview](/en/insurance-plans/dak-gesundheit-angestellte/overview/) [Apply for membership](/en/insurance-plans/dak-gesundheit-angestellte/overview/) Sources: HanseMerkur Care Expatriate AVB, DAK-Gesundheit Beitragssatzordnung 2025, § 5 / § 9 / § 10 SGB V, § 20b AufenthG. The exact price is calculated in the online application. [Care Expatriate](/en/insurance-plans/care-expatriate/overview/)[DAK-Gesundheit (employees)](/en/insurance-plans/dak-gesundheit-angestellte/overview/) [DAK-Gesundheit (students)](/en/insurance-plans/dak-gesundheit/overview/) ## Frequently Asked Questions What happens to student health insurance after exmatriculation in Germany? DAK-Studenten (~€135.52/month) and Care Student (€101.54/month) both end within 14 days of exmatriculation. You must arrange follow-on cover — voluntary GKV (~€210–240/month) or private Care Expatriate (from €58/month) — before the university's M10 close-out notification. How long after exmatriculation is health insurance still valid in Germany? Up to 14 days by default under § 190 SGB V. After that DAK-Studenten (~€135.52/month) ends automatically. A coverage gap can jeopardise the residence permit under § 5 AufenthG, so a follow-on such as Care Expatriate (from €58/month) should be active on day 15 at the latest. Can I stay in Germany after exmatriculation without health insurance? No — continuous cover is a legal requirement (Krankenversicherungspflicht applies to every residence title). Typically Care Expatriate (from €58/month) during job-search under § 20 AufenthG, or GKV via a new employer (~17.8% of gross). Does GKV extend automatically after student status ends in Germany? No — gKV members must actively apply for voluntary continuation (freiwillige Weiterversicherung, ~€210–240/month) within 14 days of exmatriculation. Missing this deadline forces a switch to private cover — Care Expatriate from €58/month is the recognised alternative. Is Care Expatriate accepted after exmatriculation in Germany? Care Expatriate (from €58/month, ages 13–40; up to €432/month at ages 61–74, Premium) runs 1–60 months, has a €150 deductible on Basic and is regularly accepted by the Ausländerbehörde under § 5 AufenthG for post-study residence permits including the job-search permit under § 20 AufenthG. What happens to health insurance when a student is exmatriculated in Germany? The student health insurance tariff ends with exmatriculation. You must immediately arrange follow-up coverage: voluntary public insurance (GKV), employer-based insurance if starting a job, or private incoming insurance like Care Expatriate (from €58/month). A gap in coverage can jeopardize your residence permit. Can I stay in Germany after exmatriculation to look for a job? Yes, under §20b AufenthG you may apply for a job-seeking residence permit (up to 18 months). However, you must maintain continuous health insurance coverage. Care Expatriate (from €58/month, up to 60 months) or voluntary GKV are typical options during the job search. How much does health insurance cost after losing student status in Germany? Voluntary public insurance (GKV) starts at approximately €210–230/month. A more affordable alternative is Care Expatriate (from €58/month, up to 60 months) — an incoming insurance accepted for residence permit renewals. You can compare options via the Tariffinder. [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 1, 2026.