--- title: "17.8% gross · Health Insurance At Job Search Germany 2026" description: "Health insurance during job search in Germany under §5 SGB V: DAK-Gesundheit at 17.8% of gross (split with employer), free family cover, Blue Card option." 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": "Health Insurance During Job Search in Germany – Cover the Transition Correctly", "description": "Health insurance during job search in Germany under §5 SGB V: DAK-Gesundheit at 17.8% of gross (split with employer), free family cover, Blue Card option.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-11", "dateModified": "2026-09-08", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-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": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Foreign Employees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/" }, { "@type": "ListItem", "position": 3, "name": "Job Search Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-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": "Which insurance do foreign job-seekers need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Post-study job-seekers under § 20 AufenthG (18 months): Care Expatriate from €58/month (private, GKV-equivalent) or voluntary GKV (~€220/month). Post-employment job-seekers: continue GKV under § 190 SGB V for up to 1 month free, then voluntary GKV or Care Expatriate." } }, { "@type": "Question", "name": "How long can I stay insured during a job search in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "§ 20 AufenthG allows an 18-month job-search residence permit after graduation. Care Expatriate covers 1–60 months. Post-employment: § 190 SGB V mandates 1 free month of continued GKV; after that, voluntary GKV at ~€220/month or Care Expatriate from €58/month." } }, { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Expatriate for a German job-search visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — care Expatriate (from €58/month) is GKV-equivalent under HanseMerkur, recognised by the Ausländerbehörde for § 20 AufenthG job-search permits and § 20b for post-graduation job search. PDF certificate issued within minutes." } }, { "@type": "Question", "name": "What is the cheapest job-search insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month (ages 13–40) — cheapest private option. Voluntary GKV: ~€220/month (minimum contribution). Care Expatriate is typically 3–4× cheaper for post-graduation job-seekers and provides an instant PDF for the residence permit file." } }, { "@type": "Question", "name": "Can I switch back to GKV once I find a job in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — automatically on day 1 of employment above €556/month (§ 5 Abs. 1 Nr. 1 SGB V). GKV starts with the new employer contract; Care Expatriate cancels with 3-month notice or on GKV start (whichever is earlier). No gap in coverage." } }, { "@type": "Question", "name": "What health insurance do I need during job search in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "During your job search in Germany, you must maintain health insurance coverage (Versicherungspflicht). If you receive ALG I (unemployment benefits), the employment agency covers your statutory insurance contributions. Without ALG, you can use transition insurance like Care Economy (from €30/30 days) to bridge the gap and provide proof of insurance to the Ausländerbehörde." } }, { "@type": "Question", "name": "Can I get health insurance in Germany without a job?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Germany has mandatory health insurance. Even without employment, you can get medical coverage through: 1) voluntary GKV membership (freiwillige Versicherung), 2) transition insurance like Care Economy (from €30/30 days), or 3) long-term private insurance like Care Expatriate (from €58/month). The immigration office requires proof of insurance for your residence permit." } }, { "@type": "Question", "name": "What happens to my health insurance after losing my job in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "After your employment ends, you have a 1-month continued coverage period (nachgehender Leistungsanspruch) through your previous insurer. If you qualify for ALG I, the employment agency pays your GKV. Without ALG, you need to arrange your own insurance policy — Care Economy from €30/30 days is the most affordable bridge solution for foreign nationals." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance do foreign job-seekers need in Germany?", "text": "Which insurance do foreign job-seekers need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Post-study job-seekers under § 20 AufenthG (18 months): Care Expatriate from €58/month (private, GKV-equivalent) or voluntary GKV (~€220/month). Post-employment job-seekers: continue GKV under § 190 SGB V for up to 1 month free, then voluntary GKV or Care Expatriate.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long can I stay insured during a job search in Germany?", "text": "How long can I stay insured during a job search in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "§ 20 AufenthG allows an 18-month job-search residence permit after graduation. Care Expatriate covers 1–60 months. Post-employment: § 190 SGB V mandates 1 free month of continued GKV; after that, voluntary GKV at ~€220/month or Care Expatriate from €58/month.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Expatriate for a German job-search visa?", "text": "Does the Ausländerbehörde accept Care Expatriate for a German job-search visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — care Expatriate (from €58/month) is GKV-equivalent under HanseMerkur, recognised by the Ausländerbehörde for § 20 AufenthG job-search permits and § 20b for post-graduation job search. PDF certificate issued within minutes.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the cheapest job-search insurance in Germany?", "text": "What is the cheapest job-search insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month (ages 13–40) — cheapest private option. Voluntary GKV: ~€220/month (minimum contribution). Care Expatriate is typically 3–4× cheaper for post-graduation job-seekers and provides an instant PDF for the residence permit file.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I switch back to GKV once I find a job in Germany?", "text": "Can I switch back to GKV once I find a job in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — automatically on day 1 of employment above €556/month (§ 5 Abs. 1 Nr. 1 SGB V). GKV starts with the new employer contract; Care Expatriate cancels with 3-month notice or on GKV start (whichever is earlier). No gap in coverage.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do I need during job search in Germany?", "text": "What health insurance do I need during job search in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "During your job search in Germany, you must maintain health insurance coverage (Versicherungspflicht). If you receive ALG I (unemployment benefits), the employment agency covers your statutory insurance contributions. Without ALG, you can use transition insurance like Care Economy (from €30/30 days) to bridge the gap and provide proof of insurance to the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I get health insurance in Germany without a job?", "text": "Can I get health insurance in Germany without a job?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Germany has mandatory health insurance. Even without employment, you can get medical coverage through: 1) voluntary GKV membership (freiwillige Versicherung), 2) transition insurance like Care Economy (from €30/30 days), or 3) long-term private insurance like Care Expatriate (from €58/month). The immigration office requires proof of insurance for your residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to my health insurance after losing my job in Germany?", "text": "What happens to my health insurance after losing my job in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "After your employment ends, you have a 1-month continued coverage period (nachgehender Leistungsanspruch) through your previous insurer. If you qualify for ALG I, the employment agency pays your GKV. Without ALG, you need to arrange your own insurance policy — Care Economy from €30/30 days is the most affordable bridge solution for foreign nationals.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "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 from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) 1. [Home](/en/) 2. [Foreign Employees in Germany](/en/health-insurance-foreign-employees-germany/) 3. Job Search Insurance in Germany # Health Insurance During Job Search in Germany – Cover the Transition Correctly Sources: § 19 Abs. 2 SGB V (nachgehender Leistungsanspruch) · § 5 Abs. 1 Nr. 2 SGB V (ALG-I GKV cover) · § 5 AufenthG (visa KV-Nachweis) · § 18b AufenthG (Blue Card job search) · § 20a AufenthG (Chancenkarte) · Care Economy AVB · Care Expatriate AVB · HanseMerkur Versicherungsgruppe Hamburg **The day your German employment contract ends, you have exactly one month of GKV protection left under § 19 Abs. 2 SGB V — and then the gap begins.** For foreigners that gap can mean two things: the Ausländerbehörde refuses to renew the residence permit (insurance is mandatory under § 5 AufenthG), and a single night in a German hospital costs €830 out of pocket. The recognised bridge is [Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) — PDF certificate by email within minutes. Three legal routes exist: (1) ALG-I recipients keep GKV paid by the Bundesagentur für Arbeit (§ 5 Abs. 1 Nr. 2 SGB V), (2) foreigners without ALG entitlement bridge with [Care Economy €30 / 30 days](/en/insurance-plans/care-economy/overview/) up to 2 years, (3) longer searches (Blue Card §18b grace, EU-Talent visa) switch to [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) — up to 5 years, worldwide cover. Below: the exact one-month window of the nachgehender Leistungsanspruch, who actually qualifies for ALG-I as a foreigner, the four documents the Ausländerbehörde checks during visa renewal, and the moment to switch back to DAK-Gesundheit once you sign the next contract. Statutory Health Insurance DAK-Gesundheit for employees in Germany Employer Proof Membership confirmation for employer and required documents Health Card Your health insurance card follows after membership setup ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 8, 2026** Sources§ 19 Abs. 2 SGB V · § 5 Abs. 1 Nr. 2 SGB V · § 5 AufenthG · § 18b AufenthG · § 20a AufenthG · Care Economy AVB · Care Expatriate AVB · HanseMerkur Versicherungsgruppe Hamburg 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Contract ending? Lock in the recognised job-search bridge today. [Care Economy (job-search bridge) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate (Blue Card / >2 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 your German employment ends, GKV protects you for one extra month under § 19 Abs. 2 SGB V (nachgehender Leistungsanspruch). Beyond that, you need either ALG-I cover or a private bridge. - If you don't qualify for ALG I (e.g. <12 months of contributions), Care Economy from €30 / 30 days is the recognised job-search bridge — accepted by the Ausländerbehörde as KV-Nachweis under § 5 AufenthG for visa renewal. - Searching longer than 2 years (Blue Card §18b grace period, EU-Talent search visa)? Care Expatriate from €58/month covers up to 5 years and includes worldwide cover including the home country. Key facts at a glance Reviewed September 8, 2026 - **Continued cover after job ends:** 1 month maximum under § 19 Abs. 2 SGB V (nachgehender Leistungsanspruch). After that, you need either ALG-I or a private bridge — gaps invalidate the residence permit under § 5 AufenthG. (Source: § 19 Abs. 2 SGB V · Bundesagentur für Arbeit). - **ALG-I qualification threshold:** 12 months of compulsory GKV contributions in the last 30 months. Below that line, no ALG-I — Care Economy from €30 / 30 days is the standard private bridge. (Source: § 142 SGB III · Bundesagentur für Arbeit). - **Blue Card job-search grace:** After Blue Card termination, holders may stay 6 months to look for a new qualified job (§ 18b AufenthG). Insurance is mandatory throughout — Care Expatriate from €58/month is the recognised long-term route. (Source: § 18b AufenthG · § 20 AufenthG). - **Hospital cost without insurance:** A standard inpatient day in Germany averages €830 (DKG 2024). One uninsured ER visit can wipe out a year of bridge-policy savings — the gap is the most expensive part of the job search. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## Four mistakes that turn a job search into a visa problem **Quick answer:** "Why did the Ausländerbehörde refuse my renewal?" — most foreigners stumble on one of four points: assumed the employer's GKV continues automatically (it stops 1 month after the last paycheck under § 19 Abs. 2 SGB V), waited for ALG-I confirmation before buying a bridge (the nachgehender period runs in parallel, not after), bought travel insurance instead of a recognised bridge (travel policies don't satisfy § 5 AufenthG), or skipped the bridge entirely after the first month (single uninsured day costs ~€830 in a German hospital). ## Avoid the mistakes that can delay your application ### Employer needs proof DAK-Gesundheit can provide membership confirmation for a social-security-covered job in Germany. ### Contribution split matters In statutory employee coverage, the employer generally pays half of the health insurance contribution. ### Family coverage has conditions Spouse and children may be covered under statutory family insurance only if the requirements are met. ### Health card comes later Membership confirmation comes first; the health insurance card follows after membership setup. ## What happens when the gap actually opens ## 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. 💼 Wrong insurance route Visitor cover is not employee cover Employees with a social-security-covered job usually need statutory health insurance and employer proof — not visitor insurance. - 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. ## Last paycheck this month — bridge cover starts the day after ## Why act before your job starts Employers often need membership confirmation before payroll and onboarding. Visitor insurance is usually not the right route for a German employee job. 💼 Employer proof needed DAK-Gesundheit can provide membership confirmation for social-security-covered jobs in Germany. 📄 Wrong route wastes time Employees usually need statutory health insurance and employer details, not visitor coverage. ⚡ Health card follows later Membership confirmation comes first; the health insurance card follows after setup. 👨‍👩‍👧 Family coverage has rules Spouse and children may be covered only if statutory requirements are met. ## From last paycheck to recognised KV-Nachweis — in 3 steps 10 minutes online with Care Economy. PDF certificate by email within minutes — accepted by the Ausländerbehörde for visa renewal under § 5 AufenthG. Cover starts the day after your last GKV-protected day. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What foreign professionals say about Care Economy as a job-search bridge in Germany 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs for the German job-search transition 🎯 Standard · job-search bridge ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof 🛟 Long search · Blue Card §18b ### 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 contract signed and starting under €77,400/year? [Switch to DAK-Gesundheit at 17.8% of gross](/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/) (employer pays half). Filling a short harvest or hospitality contract during the search? [Seasonal-worker cover via Care 01 from €0.39/day](/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/). For broader guidance see the [foreign-employees hub](/en/health-insurance-foreign-employees-germany/). ## Care Economy — full price table by age and duration **Quick answer:** Care Economy: from €30 / 30 days for ages up to 64 (Basic tier), higher tiers for ages 50–74. The full table below shows the exact monthly cost for every age band and tier — accepted by the Ausländerbehörde under § 5 AufenthG as the job-search bridge for stays up to 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/) ## Care Expatriate — long search beyond 2 years (Blue Card §18b) **Quick answer:** Search exceeding 2 years (Blue Card grace period under §18b AufenthG, EU-Talent route)? Switch to Care Expatriate from €58/month (ages 13–40) — covers up to 5 years worldwide including your home country, and is recognised for the German residence permit. 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/) ## Frequently asked questions about job-search insurance in Germany ## Frequently Asked Questions Which insurance do foreign job-seekers need in Germany? Post-study job-seekers under § 20 AufenthG (18 months): Care Expatriate from €58/month (private, GKV-equivalent) or voluntary GKV (~€220/month). Post-employment job-seekers: continue GKV under § 190 SGB V for up to 1 month free, then voluntary GKV or Care Expatriate. How long can I stay insured during a job search in Germany? § 20 AufenthG allows an 18-month job-search residence permit after graduation. Care Expatriate covers 1–60 months. Post-employment: § 190 SGB V mandates 1 free month of continued GKV; after that, voluntary GKV at ~€220/month or Care Expatriate from €58/month. Does the Ausländerbehörde accept Care Expatriate for a German job-search visa? Yes — care Expatriate (from €58/month) is GKV-equivalent under HanseMerkur, recognised by the Ausländerbehörde for § 20 AufenthG job-search permits and § 20b for post-graduation job search. PDF certificate issued within minutes. What is the cheapest job-search insurance in Germany? Care Expatriate from €58/month (ages 13–40) — cheapest private option. Voluntary GKV: ~€220/month (minimum contribution). Care Expatriate is typically 3–4× cheaper for post-graduation job-seekers and provides an instant PDF for the residence permit file. Can I switch back to GKV once I find a job in Germany? Yes — automatically on day 1 of employment above €556/month (§ 5 Abs. 1 Nr. 1 SGB V). GKV starts with the new employer contract; Care Expatriate cancels with 3-month notice or on GKV start (whichever is earlier). No gap in coverage. What health insurance do I need during job search in Germany? During your job search in Germany, you must maintain health insurance coverage (Versicherungspflicht). If you receive ALG I (unemployment benefits), the employment agency covers your statutory insurance contributions. Without ALG, you can use transition insurance like [Care Economy](/en/insurance-plans/care-economy/overview/) (from €30/30 days) to bridge the gap and provide proof of insurance to the Ausländerbehörde. Can I get health insurance in Germany without a job? Yes. Germany has mandatory health insurance. Even without employment, you can get medical coverage through: 1) voluntary GKV membership (freiwillige Versicherung), 2) transition insurance like Care Economy (from €30/30 days), or 3) long-term private insurance like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (from €58/month). The immigration office requires proof of insurance for your residence permit. What happens to my health insurance after losing my job in Germany? After your employment ends, you have a 1-month continued coverage period (nachgehender Leistungsanspruch) through your previous insurer. If you qualify for ALG I, the employment agency pays your GKV. Without ALG, you need to arrange your own insurance policy — Care Economy from €30/30 days is the most affordable bridge solution for foreign nationals. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Last working day fixed? Pick the recognised bridge before the gap opens. [Care Economy (job-search bridge) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate (Blue Card / >2 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: September 8, 2026.