--- title: "From €30 / 30 days – insurance proof at the Ausländerbehörde" description: "After entering Germany you register at the Bürgeramt and Ausländerbehörde — which insurance proof passes, which products fit, and how to avoid gap days." 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": "Insurance proof after entry: registration at the Bürgeramt and Ausländerbehörde in Germany", "description": "After entering Germany you register at the Bürgeramt and Ausländerbehörde — which insurance proof passes, which products fit, and how to avoid gap days.", "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": "2026-08-27", "dateModified": "2026-08-24", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-after-entry-registration-immigration-office-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Aufenthaltsgesetz (AufenthG)", "url": "https://en.wikipedia.org/wiki/Residence_Act" }, { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "url": "https://en.wikipedia.org/wiki/Federal_Office_for_Migration_and_Refugees" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" }, { "@type": "Thing", "name": "Schengen Area", "url": "https://en.wikipedia.org/wiki/Schengen_Area" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "HowTo", "name": "How to prove health insurance after entry and registration in Germany", "description": "Which document the Bürgeramt and Ausländerbehörde accept as valid insurance proof after Anmeldung.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Bring the current certificate to Anmeldung", "text": "The Bürgeramt may ask for insurance proof at Anmeldung; a bilingual PDF certificate is enough." }, { "@type": "HowToStep", "position": 2, "name": "Get the residence-permit slot", "text": "After Anmeldung, book the residence-permit appointment at the Ausländerbehörde within the first 8 weeks." }, { "@type": "HowToStep", "position": 3, "name": "Present the recognised policy", "text": "Show a policy from the recognised list: GKV (DAK, TK, AOK, Barmer), Care Student, Care Expatriate, or Care College." }, { "@type": "HowToStep", "position": 4, "name": "Keep the certificate updated", "text": "If you renew or switch, upload the new PDF via the ABH portal so the file matches the residence-permit validity." } ], "totalTime": "PT20M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[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": "Visa & Residence Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/" }, { "@type": "ListItem", "position": 4, "name": "Insurance proof after entry (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-after-entry-registration-immigration-office-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": "How soon after entering Germany do I need to register at the Bürgeramt?", "acceptedAnswer": { "@type": "Answer", "text": "Under § 17 of the Bundesmeldegesetz (BMG) the legal window for the Anmeldung is 14 days after move-in. In practice many city offices are booked weeks ahead, so reserve the slot in advance and bring the Wohnungsgeberbestätigung from your landlord. For the residence-permit appointment you also need a recognised insurance certificate — see Care Economy from €30 / 30 days (up to 2 years) as the standard bridge." } }, { "@type": "Question", "name": "Which insurance does the Ausländerbehörde accept after I enter Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. The office checks the certificate against the entire requested residence-permit period under § 5 AufenthG: bilingual PDF (German + English), single page, name + period + cover amount + scope listed in plain text. Care Economy from €30 / 30 days (up to 2 years) bridges D-visa stays up to 2 years; Care Expatriate from €58/month (up to 5 years) covers multi-year residence permits up to 5 years per contract." } }, { "@type": "Question", "name": "Can I keep the Schengen travel insurance I used to enter Germany?", "acceptedAnswer": { "@type": "Answer", "text": "In most cases no — a Schengen policy expires after 92 days and the Ausländerbehörde refuses the file because the certificate period does not match the requested residence permit. Switch to Care Economy from €30 / 30 days (up to 2 years) or Care Expatriate from €58/month (up to 5 years) before the Schengen cover ends, with no gap day inside Germany. Not sure which product fits your status? Try the 30-second tariff finder." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How soon after entering Germany do I need to register at the Bürgeramt?", "text": "How soon after entering Germany do I need to register at the Bürgeramt?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Under § 17 of the Bundesmeldegesetz (BMG) the legal window for the Anmeldung is 14 days after move-in. In practice many city offices are booked weeks ahead, so reserve the slot in advance and bring the Wohnungsgeberbestätigung from your landlord. For the residence-permit appointment you also need a recognised insurance certificate — see Care Economy from €30 / 30 days (up to 2 years) as the standard bridge.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-after-entry-registration-immigration-office-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance does the Ausländerbehörde accept after I enter Germany?", "text": "Which insurance does the Ausländerbehörde accept after I enter Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. The office checks the certificate against the entire requested residence-permit period under § 5 AufenthG: bilingual PDF (German + English), single page, name + period + cover amount + scope listed in plain text. Care Economy from €30 / 30 days (up to 2 years) bridges D-visa stays up to 2 years; Care Expatriate from €58/month (up to 5 years) covers multi-year residence permits up to 5 years per contract.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-after-entry-registration-immigration-office-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I keep the Schengen travel insurance I used to enter Germany?", "text": "Can I keep the Schengen travel insurance I used to enter Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "In most cases no — a Schengen policy expires after 92 days and the Ausländerbehörde refuses the file because the certificate period does not match the requested residence permit. Switch to Care Economy from €30 / 30 days (up to 2 years) or Care Expatriate from €58/month (up to 5 years) before the Schengen cover ends, with no gap day inside Germany. Not sure which product fits your status? Try the 30-second tariff finder.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/visa-residence-germany/health-insurance-proof-after-entry-registration-immigration-office-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-24", "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 Economy — bilingual PDF for the Ausländerbehörde from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Visa & Residence Germany](/en/guide-health-insurance-germany/visa-residence-germany/) 4. Insurance proof after entry (Germany) Two appointments after entry: the Bürgeramt (Anmeldung within 14 days under § 17 BMG) and the Ausländerbehörde (residence-permit decision under § 5 AufenthG). Both want a bilingual PDF that covers the whole period — a Schengen travel policy that expires at 92 days is refused. # Insurance proof after entry: registration at the Bürgeramt and Ausländerbehörde in Germany Practical guide for foreigners after arrival in Germany: how the Bürgeramt registers your address, how the Ausländerbehörde checks the insurance certificate against the requested residence-permit period, and which recognised product fits your status. Three categories — D-visa bridge (≤ 2 years), residence permit (up to 5 years), short Schengen bridge (≤ 92 days) — match the three decisions the office can stamp. A bilingual PDF (German + English) from a recognised product is delivered by email within minutes — re-issuable at no extra cost as long as the policy has not started yet. 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Insurance proof after entry: bilingual certificate from Care Economy presented at the Ausländerbehörde for the residence-permit appointment in Germany](/assets/aufenthaltstitel-arbeitnehmer-deutschland-nfQGfDeI.jpg) - [D-visa bridge option: Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) (post-entry bridge · ≤ 2 years) - [Residence permit option: Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) (Aufenthaltstitel · up to 5 years) - [Short Schengen bridge: Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) (only if you must extend a Schengen entry · ≤ 92 days) Bürgeramt 14 days Ausländerbehörde § 5 AufenthG Residence up to 5 years Three rules for the post-entry insurance proof — what the Bürgeramt and the Ausländerbehörde check first: 1. 1 **The certificate must cover the whole residence-permit window:** not just the appointment day — the office stamps the permit for the period your insurance certificate covers. 2. 2 **No gap days inside Germany:** [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) ships a fresh bilingual PDF within minutes — start the new policy no later than the day the old visa-entry cover ends. 3. 3 **Bilingual PDF, single page, plain-text benefits:** outpatient + inpatient + medical repatriation must be visible on the certificate, not hidden behind an AVB reference number. Not sure which product fits your post-entry status? [30-second tariff finder →](/en/tariffinder-germany/) Inside: the one paper from your landlord without which the Bürgeramt simply cannot register you · why the Ausländerbehörde stamps the residence permit only for the period your insurance certificate covers — not longer · how to switch from a Schengen entry policy to a long-stay product without a single uncovered day inside Germany Sources: § 5 AufenthG · § 17 BMG · Auswärtiges Amt · BAMF · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · DAK-Gesundheit · Care Concept AG Trusted Providers Care Concept · HanseMerkur · DAK where applicable Visa Proof Proof of insurance for embassy or consulate documents Fast Online Process Receive the available confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 24, 2026** Sources§ 5 AufenthG · § 17 BMG (Bundesmeldegesetz) · Auswärtiges Amt · BAMF · Berliner Bürgeramt guidance · HanseMerkur Care Economy AVB · HanseMerkur Care Expatriate AVB · DAK-Gesundheit · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Bürgeramt and Ausländerbehörde appointments coming up? Walk in with a bilingual PDF that covers the full residence-permit period — Care Economy from €30 / 30 days (up to 2 years) (bridge ≤ 2 years) or Care Expatriate from €58/month (up to 5 years) (residence permit up to 5 years). [Care Economy (post-entry bridge · ≤ 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate (residence permit · up to 5 years) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/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 - After entering Germany you have two appointments: the Bürgeramt (Anmeldung — 14-day legal window under § 17 BMG) and the Ausländerbehörde (residence-permit decision under § 5 AufenthG). Both check that you actually live in Germany and that you carry recognised health insurance for the full requested period. - Recognised products that pass at intake by default: Care Economy from €30 / 30 days (up to 2 years) as the D-visa bridge up to 2 years, Care Expatriate from €58/month (up to 5 years) for the multi-year residence permit up to 5 years, DAK-Gesundheit for employees and eligible students once GKV access opens. - Three rules: the certificate period must cover the entire residence-permit window the office plans to stamp, the certificate must be bilingual German + English on a single page, and outpatient + inpatient + medical repatriation must appear in plain text — not as an AVB reference only. Key facts at a glance Reviewed August 24, 2026 - **14-day Anmeldung deadline:** § 17 BMG (Bundesmeldegesetz) — you must register your German address at the Bürgeramt within 14 days of move-in. Without the Anmeldung confirmation the Ausländerbehörde will not issue a residence permit. (Source: § 17 Bundesmeldegesetz · Berliner Bürgeramt guidance). - **Residence-permit insurance check:** § 5 AufenthG — the Ausländerbehörde checks that the insurance certificate covers the entire requested residence-permit period, with outpatient + inpatient + medical repatriation in plain text. A Schengen policy that expires at 92 days is refused for a multi-year permit. (Source: § 5 AufenthG · BAMF). - **Bilingual PDF re-issued by email:** Care Economy from €30 / 30 days (up to 2 years) and Care Expatriate from €58/month (up to 5 years) ship a single bilingual certificate (German + English) by email within minutes — re-issuable before the start at no extra cost. Full age brackets are shown in the official tables below. (Source: HanseMerkur AVB · Care Concept AG). ## 7-step checklist — register at the Bürgeramt and pass the Ausländerbehörde appointment **Quick answer:** "Which insurance proof do I bring after entering Germany?" — These seven steps cover the post-arrival flow that the Bürgeramt and the Ausländerbehörde expect at intake. - **Step 1.** After arrival, find permanent housing and ask the landlord for the Wohnungsgeberbestätigung — without this paper the Bürgeramt cannot register you and the Ausländerbehörde will not issue the residence permit - **Step 2.** Book the Bürgeramt appointment for the Anmeldung — under § 17 BMG (Bundesmeldegesetz) the legal window is 14 days after move-in; many city offices are booked weeks ahead, so reserve the slot before you fly - **Step 3.** Bring a recognised insurance certificate to the Ausländerbehörde appointment — bilingual PDF (German + English) on a single page, valid for the entire requested residence-permit period, listing outpatient + inpatient + medical repatriation in plain text - **Step 4.** Match the product to the decision the Ausländerbehörde will issue — Care Economy as D-visa bridge (≤ 2 years), Care Expatriate for the multi-year residence permit (up to 5 years), DAK-Gesundheit if you are an employee or an eligible student - **Step 5.** Avoid gap days between the visa entry and the residence-permit decision — the new policy must start no later than the day the old visa-entry cover ends; even one uncovered day inside Germany is a refusal risk under § 5 AufenthG - **Step 6.** Re-issue the certificate by email if the appointment shifts — Care Economy and Care Expatriate ship a fresh bilingual PDF within minutes, at no extra cost, as long as the policy has not started yet - **Step 7.** Bring printout + email confirmation to both appointments (Bürgeramt and Ausländerbehörde) — the certificate must cover the whole period the office stamps on the permit, not just the appointment day ## Three options — bridge, residence permit, short Schengen extension Option 1 / 3 ### Option 1 — D-visa bridge to residence-permit decision Care Economy from €30 / 30 days (up to 2 years); exact daily rates depend on duration, entry age and deductible — shown in the official table below. Incoming insurance up to 2 years, bilingual PDF on a single page, outpatient + inpatient + repatriation — the standard certificate the Ausländerbehörde accepts between visa entry and the residence-permit decision. **Need:** Care Economy · post-entry bridge · ≤ 2 years [Care Economy from €30 / 30 days (up to 2 years) →](/en/insurance-plans/care-economy/overview/) Option 2 / 3 ### Option 2 — multi-year residence permit (Aufenthaltstitel) Care Expatriate from €58/month (up to 5 years); exact age and tier prices are shown in the official table below. Worldwide scope including the home country, premium fixed at entry age, up to 5 years per contract — the standard residence-insurance product the Ausländerbehörde accepts for multi-year residence permits. **Need:** Care Expatriate · residence permit · up to 5 years [Care Expatriate from €58/month (up to 5 years) →](/en/insurance-plans/care-expatriate/overview/) Option 3 / 3 ### Option 3 — short bridge while a Schengen entry expires Care Visa Protect from €0.85/day (up to 92 days); full age and duration rates are shown in the official table below. EU Reg. 810/2009 compliant, day-precise start date, no-show refund — useful only as a short bridge while you switch to a long-stay product before the residence-permit appointment. **Need:** Care Visa Protect · short bridge · ≤ 92 days [Care Visa Protect from €0.85/day (up to 92 days) →](/en/insurance-plans/care-visa-protect/overview/) ## Avoid the mistakes that can delay your application ### Schengen proof missing? For short Schengen stays, choose insurance that meets the €30,000 minimum-coverage requirement. ### Short stay or longer stay? Care Visa Protect fits many 1–92 day Schengen visits; Care Economy may fit longer or more flexible stays. ### Wrong insurance can cost time Before your embassy appointment, check that the proof matches your visa type, dates and destination. ### Multiple entries planned? If you travel more than once, check the multiple-entry option and the annual day limit before applying. ## Three post-entry patterns — what the office checks, and which product fits ### Entered on a national D-visa, applying for the residence permit **Pattern:** Worker (Chancenkarte / Blue Card / employment), language student > 90 days, family reunification, study preparation — most common post-entry scenario. **Risk:** A Schengen travel policy that expired at 92 days is refused at the Ausländerbehörde because the period does not cover the requested residence-permit window. **Fix option:** Care Economy as the D-visa bridge (≤ 2 years), or Care Expatriate if the office wants the full multi-year residence permit covered from day one. ### Entered on a Schengen visa, switching to a long-stay status **Pattern:** Family visit converting to family reunification, business trip converting to work, language tourist switching to a longer course — the Schengen cover does not match the new request. **Risk:** Without a recognised long-stay certificate the Ausländerbehörde refuses the residence-permit file under § 5 AufenthG; the applicant loses the slot and the appointment. **Fix option:** Switch to Care Economy (≤ 2 years) or Care Expatriate (up to 5 years) before the Schengen policy ends — bilingual PDF re-issued by email within minutes. ### Employee or eligible student — GKV becomes available **Pattern:** Job started in Germany (employee under JVEG threshold), or matriculated student under 30 / under 14 semesters — statutory health insurance (GKV) is the standard cover. **Risk:** Without an electronic M10 notification (students) or employer registration (employees), the Ausländerbehörde sees no proof of cover and refuses the file. **Fix option:** DAK-Gesundheit issues the M10 notification and the eGK; Care Economy bridges the days between arrival and the GKV start date. ## Wrong certificate at the Ausländerbehörde? File refused, appointment lost, residence permit delayed ## 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. 🇪🇺 €30,000 minimum Schengen proof must be clear Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits. - 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. ## Bürgeramt or Ausländerbehörde appointment soon? Issue the bilingual PDF today ## Why act before the embassy appointment Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits. 📅 Appointments can be limited If the proof is missing or unsuitable, preparing corrected documents can cost valuable time. ⚡ PDF certificate after application Care Visa Protect provides the certificate by email after successful online application. 🛡️ €30,000 minimum coverage Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area. 💶 From €0.85/day Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip. ## From arrival to bilingual certificate — in 3 steps 10 minutes online. Status (post-entry / D-visa bridge / residence permit) pre-filled. Bilingual PDF certificate (German + English) with all required fields by email within minutes — re-issuable at no extra cost while the policy has not started yet. ## 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 applicants say about Care Economy at the German Ausländerbehörde appointment 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/) ## Recognised products — bridge, residence permit, short Schengen extension 📘 Post-entry bridge · ≤ 2 years ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 🌐 Residence permit · up to 5 years ### 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 🇪🇺 Short Schengen bridge · ≤ 92 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 For the full overview of visa & residence topics see the [visa & residence hub](/en/guide-health-insurance-germany/visa-residence-germany/). ## Full price tables — Care Economy, Care Expatriate, Care Visa Protect **Quick answer:** Summary CTAs show registry base prices only. Exact age, duration and deductible rates are shown in the official tables below. ### Post-entry 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 permit (Aufenthaltstitel) — Care Expatriate (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/) ### Short Schengen extension — Care Visa Protect (≤ 92 days) Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. [Care Visa Protect — Overview](/en/insurance-plans/care-visa-protect/overview/) [Apply now](/en/insurance-plans/care-visa-protect/overview/) ## FAQ — insurance proof after entry, Bürgeramt and Ausländerbehörde in Germany ## Frequently Asked Questions How soon after entering Germany do I need to register at the Bürgeramt? Under § 17 of the Bundesmeldegesetz (BMG) the legal window for the Anmeldung is 14 days after move-in. In practice many city offices are booked weeks ahead, so reserve the slot in advance and bring the Wohnungsgeberbestätigung from your landlord. For the residence-permit appointment you also need a recognised insurance certificate — see [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) as the standard bridge. Which insurance does the Ausländerbehörde accept after I enter Germany? The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. The office checks the certificate against the entire requested residence-permit period under § 5 AufenthG: bilingual PDF (German + English), single page, name + period + cover amount + scope listed in plain text. [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) bridges D-visa stays up to 2 years; [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) covers multi-year residence permits up to 5 years per contract. Can I keep the Schengen travel insurance I used to enter Germany? In most cases no — a Schengen policy expires after 92 days and the Ausländerbehörde refuses the file because the certificate period does not match the requested residence permit. Switch to [Care Economy from €30 / 30 days (up to 2 years)](/en/insurance-plans/care-economy/overview/) or [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) before the Schengen cover ends, with no gap day inside Germany. Not sure which product fits your status? Try the [30-second tariff finder](/en/tariffinder-germany/). Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Walk into the Bürgeramt and the Ausländerbehörde with a bilingual PDF that covers the full requested residence-permit period — re-issued by email within minutes if the appointment shifts. [Care Economy (post-entry bridge · ≤ 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate (residence permit · up to 5 years) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [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 24, 2026.