--- title: "17.8% gross · Health Insurance For Seasonal Germany 2026" description: "Health insurance for seasonal workers in Germany under §5 SGB V: DAK-Gesundheit at 17.8% of gross (split with employer), free family cover, Blue Card." 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 for Seasonal Workers in Germany — Care 01 from €0.39/Day (Employer Group Policy)", "description": "Health insurance for seasonal workers in Germany under §5 SGB V: DAK-Gesundheit at 17.8% of gross (split with employer), free family cover, Blue Card.", "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": "2026-09-05", "dateModified": "2026-09-09", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-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": "Seasonal Workers in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-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": "Who is a \"Saisonarbeiter\" under German law?", "acceptedAnswer": { "@type": "Answer", "text": "A worker employed for max. 70 working days or 3 months per calendar year in seasonal sectors (agriculture, hospitality, tourism). Care 01 is the standard insurance for this group." } }, { "@type": "Question", "name": "Who pays for Care 01?", "acceptedAnswer": { "@type": "Answer", "text": "Usually the employer enrols the worker via the Meldetool and pays the premium (€0.39–€0.48 / day, volume-dependent, min. €5)." } }, { "@type": "Question", "name": "Does Care 01 cover work accidents?", "acceptedAnswer": { "@type": "Answer", "text": "From €0.39/day for seasonal workers under § 8 SGB IV. The basic tariff covers acute illness only. The optional accident & liability add-on is recommended for agriculture and seasonal manual work." } }, { "@type": "Question", "name": "What is the minimum premium for Care 01 seasonal insurance?", "acceptedAnswer": { "@type": "Answer", "text": "€5 minimum per worker per assignment, regardless of duration. Daily rate €0.39–€0.48 depending on employer volume — a 14-day harvest contract costs €5.46–€6.72 per worker; a full 91-day season costs €35.49–€43.68." } }, { "@type": "Question", "name": "Is Care 01 accepted for a seasonal work visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care 01 is a recognised private Incoming policy accepted by German embassies for the seasonal work visa (§ 15a BeschV) and by the Ausländerbehörde for the residence permit. Employer registers the worker through the Meldetool before entry, PDF confirmation issued within minutes." } }, { "@type": "Question", "name": "What insurance do seasonal workers need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Seasonal workers in Germany (Saisonarbeiter) need health insurance even if the employment is exempt from social security contributions. Care 01 Saisonarbeiter starts at €0.39/day and provides medical coverage for stays up to 91 days. The employer registers workers through an online tool and receives an instant insurance certificate." } }, { "@type": "Question", "name": "How much does health insurance for harvest workers in Germany cost?", "acceptedAnswer": { "@type": "Answer", "text": "Care 01 Saisonarbeiter costs from €0.39/day (volume-dependent, minimum €5 insurance premium). For a 90-day season, total costs for full insurance coverage are approximately €35–43. Optional accident and liability insurance is available from €0.05/day extra." } }, { "@type": "Question", "name": "Is the employer responsible for insuring seasonal agricultural workers in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Even for short-term employment exempt from social security (Kurzzeitbeschäftigung), the employer must ensure health insurance is in place as a legal insurance requirement. Care 01 allows group registration via an online tool — quick, compliant, with instant proof of insurance." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Who is a \"Saisonarbeiter\" under German law?", "text": "Who is a \"Saisonarbeiter\" under German law?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A worker employed for max. 70 working days or 3 months per calendar year in seasonal sectors (agriculture, hospitality, tourism). Care 01 is the standard insurance for this group.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Who pays for Care 01?", "text": "Who pays for Care 01?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Usually the employer enrols the worker via the Meldetool and pays the premium (€0.39–€0.48 / day, volume-dependent, min. €5).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does Care 01 cover work accidents?", "text": "Does Care 01 cover work accidents?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €0.39/day for seasonal workers under § 8 SGB IV. The basic tariff covers acute illness only. The optional accident & liability add-on is recommended for agriculture and seasonal manual work.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the minimum premium for Care 01 seasonal insurance?", "text": "What is the minimum premium for Care 01 seasonal insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "€5 minimum per worker per assignment, regardless of duration. Daily rate €0.39–€0.48 depending on employer volume — a 14-day harvest contract costs €5.46–€6.72 per worker; a full 91-day season costs €35.49–€43.68.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care 01 accepted for a seasonal work visa to Germany?", "text": "Is Care 01 accepted for a seasonal work visa to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care 01 is a recognised private Incoming policy accepted by German embassies for the seasonal work visa (§ 15a BeschV) and by the Ausländerbehörde for the residence permit. Employer registers the worker through the Meldetool before entry, PDF confirmation issued within minutes.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance do seasonal workers need in Germany?", "text": "What insurance do seasonal workers need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Seasonal workers in Germany (Saisonarbeiter) need health insurance even if the employment is exempt from social security contributions. Care 01 Saisonarbeiter starts at €0.39/day and provides medical coverage for stays up to 91 days. The employer registers workers through an online tool and receives an instant insurance certificate.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance for harvest workers in Germany cost?", "text": "How much does health insurance for harvest workers in Germany cost?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care 01 Saisonarbeiter costs from €0.39/day (volume-dependent, minimum €5 insurance premium). For a 90-day season, total costs for full insurance coverage are approximately €35–43. Optional accident and liability insurance is available from €0.05/day extra.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is the employer responsible for insuring seasonal agricultural workers in Germany?", "text": "Is the employer responsible for insuring seasonal agricultural workers in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Even for short-term employment exempt from social security (Kurzzeitbeschäftigung), the employer must ensure health insurance is in place as a legal insurance requirement. Care 01 allows group registration via an online tool — quick, compliant, with instant proof of insurance.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "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 01 Saisonarbeiter from €0.39/day (up to 91 days) ](/en/insurance-plans/care01-saisonarbeiter/overview/) 1. [Home](/en/) 2. [Foreign Employees in Germany](/en/health-insurance-foreign-employees-germany/) 3. Seasonal Workers in Germany # Health Insurance for Seasonal Workers in Germany — Care 01 from €0.39/Day (Employer Group Policy) Sources: § 8 Abs. 1 Nr. 2 SGB IV (kurzfristige Beschäftigung — max 70 days / 3 months) · § 5 SGB V (GKV mandate exceptions) · § 28a SGB IV (employer registration) · Care 01 Saisonarbeiter AVB · HanseMerkur Versicherungsgruppe Hamburg · Care Concept AG **Foreign seasonal workers (Saisonarbeiter) in Germany on a "kurzfristige Beschäftigung" contract — capped at 70 working days or 3 months per calendar year under § 8 Abs. 1 Nr. 2 SGB IV — are sozialversicherungsfrei and not subject to the German statutory insurance mandate.** This applies to harvest helpers (asparagus, strawberries, wine, hops), hospitality temps, ski-resort workers, vineyard crews and agricultural day labourers. The employer is still required to provide acute medical cover for the worker — the recognised standard is the Care 01 Saisonarbeiter group policy. The standard solution is [Care 01 Saisonarbeiter from €0.39 per worker per day](/en/insurance-plans/care01-saisonarbeiter/overview/) (volume-tiered: €0.48/day under 2,500 days/year, €0.42 from 2,500 days, €0.39 from 5,000 days). Optional accident and liability add-on (€0.03–€0.05/day) is recommended for agricultural and manual work. Ages 13–70; cover from 1 to 91 days per worker per calendar year. Below: why the 70-day rule means Saisonarbeiter are not in GKV, the four mistakes that void cover during the harvest season, the full Care 01 volume-tier price table, the bridge via Care Economy if a contract extends beyond the 3-month limit, and the clean handover to DAK GKV when a worker converts to a regular German employment contract. Seasonal Worker Cover Care 01 for harvest and seasonal workers Business Registration Online reporting tool for agricultural businesses Fast Confirmation Confirmation after successful online registration ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 9, 2026** Sources§ 8 Abs. 1 Nr. 2 SGB IV · § 5 SGB V · § 28a SGB IV · Care 01 Saisonarbeiter AVB · HanseMerkur Versicherungsgruppe Hamburg · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Harvest season starting? Register seasonal workers via the Care Concept Meldetool. [Care 01 Saisonarbeiter from €0.39/day (up to 91 days) ](/en/insurance-plans/care01-saisonarbeiter/overview/)[Care Economy (>3 mo bridge) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - Seasonal workers (Saisonarbeiter) in Germany are covered by Care 01 from €0.39/day. - 1–91 days per calendar year, ages 13–70 — employer registers via Meldetool. - Optional accident + liability cover for agricultural and harvest work. Key facts at a glance Reviewed September 9, 2026 - **Care 01 — small employer (<2,500 worker-days/yr):** €0.48 per worker per day. Optional accident + liability add-on €0.05/day. Minimum premium €5 per worker; ages 13–70. (Source: Care 01 Saisonarbeiter AVB · HanseMerkur Versicherungsgruppe Hamburg). - **Care 01 — mid-volume employer (2,500–4,999 days/yr):** €0.42 per worker per day. Optional accident + liability add-on €0.03/day. Employer registers each worker via the Care Concept Meldetool. (Source: Care 01 Saisonarbeiter AVB · § 28a SGB IV (employer notification)). - **Care 01 — large employer (≥5,000 days/yr) \[Bestseller\]:** €0.39 per worker per day. Optional accident + liability add-on €0.03/day. Standard for large agricultural cooperatives, vineyards and hop farms. (Source: Care 01 Saisonarbeiter AVB · HanseMerkur Versicherungsgruppe Hamburg). - **Why Saisonarbeiter are not GKV-mandatory:** § 8 Abs. 1 Nr. 2 SGB IV defines kurzfristige Beschäftigung as ≤70 working days or ≤3 months per calendar year. These workers are sozialversicherungsfrei — no GKV, no Pflegeversicherung, no Rentenversicherung contributions. (Source: § 8 Abs. 1 Nr. 2 SGB IV · § 5 SGB V). ## Four mistakes that void seasonal-worker cover during harvest **Quick answer:** "Why was my seasonal worker uninsured at the hospital?" — most farms and hospitality employers stumble on one of four points: forgot to register the worker in the Care Concept Meldetool before day 1, exceeded the 70-day / 3-month kurzfristige-Beschäftigung limit (worker becomes sozialversicherungspflichtig and Care 01 cover ends), skipped the optional accident + liability add-on for manual work, or relied on the worker's home-country EHIC card (which only covers tourist-style emergencies, not work-related care). Care 01 plus the add-on removes all four by default. ## 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 if a seasonal worker has no valid cover ## 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. 🌾 91 days max Wrong worker dates create gaps Seasonal-worker coverage depends on correct employer registration, worker details and insured work dates. - 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. ## Harvest dates are fixed — register workers in the Meldetool first ## Why act before workers arrive Seasonal-worker coverage depends on correct employer registration, worker details and coverage dates. Wrong dates can create gaps. 🌾 91 days maximum Care 01 is designed for short seasonal work periods up to 91 days. 📋 Worker data must match Names, passport data and insured work dates should be entered correctly. ⚡ Online reporting tool Businesses can register seasonal or harvest workers through the online reporting process. 💶 Volume pricing matters Health insurance starts from €0.48/day; €0.39/day is a volume rate for larger insured-day volumes. ## From Meldetool registration to active cover — in 3 steps 10 minutes per worker in the Care Concept Meldetool. PDF certificate (English/German) for each worker. Cover starts on the first day of the harvest contract — billing is consolidated monthly to the employer. ## 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 German farms and harvest employers say about Care 01 Saisonarbeiter via the Meldetool 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 seasonal workers in Germany 🎯 Standard · Employer group policy ### Care 01 Seasonal Workers from €0.48 / day (volume rate from €0.39 / day · coverage up to 91 days) For foreign seasonal workers, harvest workers & agricultural businesses - Instant confirmation after online registration - Affordable health insurance for seasonal work & harvest assistance - Doctor, hospital, prescription medication & dental emergency coverage - For farms, wineries, nurseries, tree nurseries & agricultural contractors - Optional liability and accident insurance available - Online registration tool for businesses – easily register multiple workers - Coverage term: 1 to 91 days · entry age 13–70 - Coverage area: Germany & neighboring countries when working for a German-based business - Rates by number of insured days: €0.48 · €0.42 · from €0.39/day - Reputable insurance carrier Why Care 01 Seasonal Workers? For businesses that want to insure foreign seasonal workers or harvest workers quickly and affordably — suitable for farms, wineries, nurseries, tree nurseries or agricultural contractors. Why a 91-day coverage term? Ideal for short seasonal and harvest periods: less administrative effort, clear coverage for the work period and a lower risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant confirmation after online registration - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.48 / day · volume rate from €0.39 · up to 91 days [Care 01 Seasonal Workers – Quick Overview](/en/insurance-plans/care01-saisonarbeiter/plan-details/) [Register online now](/en/insurance-plans/care01-saisonarbeiter/apply/) → Register your business, add workers online, receive confirmation 🛟 Bridge · >3 months ### 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 Worker exceeding 70 days and converting to a regular employment contract? [DAK-Gesundheit (employee GKV) at 17.8% of gross](/en/insurance-plans/dak-gesundheit-angestellte/overview/) — split equally with the employer (8.9% each). Care 01 cover ends on the day the kurzfristige-Beschäftigung threshold is exceeded; the GKV start date must align with the new contract. For year-round foreign employees see the [foreign-employees health-insurance hub](/en/health-insurance-foreign-employees-germany/), and for jobseekers between contracts the [job-search insurance guide](/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/). ## Care 01 Saisonarbeiter — all volume tiers and add-on rates **Quick answer:** Care 01 Saisonarbeiter is a volume-tiered employer group policy: €0.48/day under 2,500 worker-days per year, €0.42 from 2,500, and €0.39 from 5,000. Optional accident + liability add-on €0.03–€0.05/day. Each worker is registered individually via the Care Concept Meldetool; billing consolidates monthly to the employer. Care 01 SaisonarbeiterInsured days per year (employer) Daily premium / person Accident + liability (optional) less than 2,500 days €0.48/day €0.05/day 2,500 – 4,999 days €0.42/day €0.03/day from 5,000 days Best price €0.39/day €0.03/day Minimum premium €5.00 per person. Entry age 13–70, term 1–91 days/year. Premiums are billed monthly to the employer. Optional accident and liability add-ons available. As of 2026. [Care 01 — Overview](/en/insurance-plans/care01-saisonarbeiter/overview/) [Apply now](/en/insurance-plans/care01-saisonarbeiter/overview/) ## Care Economy — bridge tariff for workers exceeding the 70-day limit **Quick answer:** Once a worker exceeds 70 working days or 3 months in a calendar year, kurzfristige Beschäftigung ends and Care 01 cover stops. Care Economy from €30 per 30 days bridges the window until the worker is enrolled in regular GKV via the new employment contract. 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/) ## Frequently asked questions about seasonal-worker health insurance in Germany ## Frequently Asked Questions Who is a "Saisonarbeiter" under German law? A worker employed for max. 70 working days or 3 months per calendar year in seasonal sectors (agriculture, hospitality, tourism). Care 01 is the standard insurance for this group. Who pays for Care 01? Usually the employer enrols the worker via the Meldetool and pays the premium (€0.39–€0.48 / day, volume-dependent, min. €5). Does Care 01 cover work accidents? From €0.39/day for seasonal workers under § 8 SGB IV. The basic tariff covers acute illness only. The optional accident & liability add-on is recommended for agriculture and seasonal manual work. What is the minimum premium for Care 01 seasonal insurance? €5 minimum per worker per assignment, regardless of duration. Daily rate €0.39–€0.48 depending on employer volume — a 14-day harvest contract costs €5.46–€6.72 per worker; a full 91-day season costs €35.49–€43.68. Is Care 01 accepted for a seasonal work visa to Germany? Yes — Care 01 is a recognised private Incoming policy accepted by German embassies for the seasonal work visa (§ 15a BeschV) and by the Ausländerbehörde for the residence permit. Employer registers the worker through the Meldetool before entry, PDF confirmation issued within minutes. What insurance do seasonal workers need in Germany? Seasonal workers in Germany (Saisonarbeiter) need health insurance even if the employment is exempt from social security contributions. [Care 01 Saisonarbeiter starts at €0.39/day](/en/insurance-plans/care01-saisonarbeiter/overview/) and provides medical coverage for stays up to 91 days. The employer registers workers through an online tool and receives an instant insurance certificate. How much does health insurance for harvest workers in Germany cost? Care 01 Saisonarbeiter costs from €0.39/day (volume-dependent, minimum €5 insurance premium). For a 90-day season, total costs for full insurance coverage are approximately €35–43. Optional accident and liability insurance is available from €0.05/day extra. Is the employer responsible for insuring seasonal agricultural workers in Germany? Yes. Even for short-term employment exempt from social security (Kurzzeitbeschäftigung), the employer must ensure health insurance is in place as a legal insurance requirement. Care 01 allows group registration via an online tool — quick, compliant, with instant proof of insurance. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Harvest contract signed? Register the worker in the Meldetool today. [Care 01 Saisonarbeiter from €0.39/day (up to 91 days) ](/en/insurance-plans/care01-saisonarbeiter/overview/)[Care Economy (>3 mo bridge) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [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 9, 2026.