--- title: "From €58/mo – Foreign Employee Health Insurance 2026" description: "Health insurance for foreign employees, skilled workers and Blue Card holders in Germany — Care Expatriate from €58/month or DAK-Gesundheit (GKV) at 17.8% of gross." 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 Foreign Employees in Germany — from €58/month", "description": "Health insurance for foreign employees, skilled workers and Blue Card holders in Germany — Care Expatriate from €58/month or DAK-Gesundheit (GKV) at 17.8% of gross.", "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": "2026-09-10", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-in-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Bundesagentur für Arbeit", "url": "https://en.wikipedia.org/wiki/Federal_Employment_Agency" }, { "@type": "Thing", "name": "Ausländerbehörde", "url": "https://en.wikipedia.org/wiki/Foreigners%27_authority" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "HowTo", "name": "How to enroll in German statutory health insurance as a foreign employee", "description": "Step-by-step GKV enrollment for foreign workers whose gross salary falls under the JAEG threshold (€77,400/year in 2026).", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Sign the employment contract", "text": "Get the signed contract — you need the start date and gross salary to trigger the compulsory GKV enrollment." }, { "@type": "HowToStep", "position": 2, "name": "Choose a Krankenkasse", "text": "Pick a statutory fund (e.g. DAK-Gesundheit). Contribution is 17.8% of gross salary (8.9% employer / 8.9% employee)." }, { "@type": "HowToStep", "position": 3, "name": "Submit the membership form", "text": "Send the Mitgliedserklärung to the chosen Krankenkasse — they issue an insurance number within a few days." }, { "@type": "HowToStep", "position": 4, "name": "Give the number to your employer", "text": "Forward the membership number to HR so they can register you with the fund and start payroll deductions." }, { "@type": "HowToStep", "position": 5, "name": "Receive the eGK", "text": "The Krankenkasse ships the electronic health card (eGK) within 2–4 weeks — you can visit any doctor immediately with the interim certificate." } ], "totalTime": "PT45M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Foreign Employees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/" }, { "@type": "ListItem", "position": 3, "name": "Health Insurance for Foreign Employees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-in-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Covered for your German job in 3 steps", "description": "Statutory health insurance with employer contribution; family coverage may be possible under certain conditions.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose DAK-Gesundheit", "text": "Choose DAK-Gesundheit if you will work in a social-security-covered job and are required or eligible for German statutory health insurance." }, { "@type": "HowToStep", "position": 2, "name": "Complete the membership form", "text": "Enter your personal details, employer details and planned job start date." }, { "@type": "HowToStep", "position": 3, "name": "Receive membership confirmation", "text": "Receive confirmation for your employer; your health insurance card follows after membership setup." } ], "totalTime": "PT15M", "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": "Is health insurance mandatory for foreign employees in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — under § 5 SGB V every employee — including foreign nationals, skilled workers and Blue Card holders — must have valid health insurance from the first working day. Without an insurance certificate the employer cannot register you for social security." } }, { "@type": "Question", "name": "GKV or private — what applies to foreign employees?", "acceptedAnswer": { "@type": "Answer", "text": "Employees with gross income under €77,400/year (2026 JVEG) are mandatory in GKV (e.g. DAK-Gesundheit, 17.8% of gross, split 50/50 employer/employee). Above the threshold or for Blue Card transition periods, private Incoming insurance like Care Expatriate from €58/month is possible. Switching from GKV to private is practically irreversible from age 55." } }, { "@type": "Question", "name": "What does health insurance cost for foreign employees?", "acceptedAnswer": { "@type": "Answer", "text": "GKV: ~17.8% of gross salary, half paid by the employer. Private Incoming tariffs for transition periods start at €58/month (Care Expatriate, ages 13–40) up to €432/month (entry age 61–74, Premium tier)." } }, { "@type": "Question", "name": "Can I use my home-country insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "EU citizens can use the EHIC for short visits, but it is not sufficient for regular employment in Germany. A German insurance certificate is required for the social security registration." } }, { "@type": "Question", "name": "Do Blue Card holders need German health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. EU Blue Card holders must have valid health insurance in Germany from day one — it is mandatory under § 5 SGB V. Salaries below the JVEG opt-out threshold (€77,400 in 2026) trigger mandatory GKV enrolment (typically DAK-Gesundheit at 17.8% of gross, split with the employer). Above the threshold, private insurance is possible. Care Expatriate (from €58/month) is the standard bridge tariff for the transition period before the first German payroll or during any GKV enrolment gap." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is health insurance mandatory for foreign employees in Germany?", "text": "Is health insurance mandatory for foreign employees in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — under § 5 SGB V every employee — including foreign nationals, skilled workers and Blue Card holders — must have valid health insurance from the first working day. Without an insurance certificate the employer cannot register you for social security.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "GKV or private — what applies to foreign employees?", "text": "GKV or private — what applies to foreign employees?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Employees with gross income under €77,400/year (2026 JVEG) are mandatory in GKV (e.g. DAK-Gesundheit, 17.8% of gross, split 50/50 employer/employee). Above the threshold or for Blue Card transition periods, private Incoming insurance like Care Expatriate from €58/month is possible. Switching from GKV to private is practically irreversible from age 55.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does health insurance cost for foreign employees?", "text": "What does health insurance cost for foreign employees?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "GKV: ~17.8% of gross salary, half paid by the employer. Private Incoming tariffs for transition periods start at €58/month (Care Expatriate, ages 13–40) up to €432/month (entry age 61–74, Premium tier).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use my home-country insurance in Germany?", "text": "Can I use my home-country insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU citizens can use the EHIC for short visits, but it is not sufficient for regular employment in Germany. A German insurance certificate is required for the social security registration.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do Blue Card holders need German health insurance?", "text": "Do Blue Card holders need German health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. EU Blue Card holders must have valid health insurance in Germany from day one — it is mandatory under § 5 SGB V. Salaries below the JVEG opt-out threshold (€77,400 in 2026) trigger mandatory GKV enrolment (typically DAK-Gesundheit at 17.8% of gross, split with the employer). Above the threshold, private insurance is possible. Care Expatriate (from €58/month) is the standard bridge tariff for the transition period before the first German payroll or during any GKV enrolment gap.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-10", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Foreign Employees in Germany](/en/health-insurance-foreign-employees-germany/) 3. Health Insurance for Foreign Employees in Germany # Health Insurance for Foreign Employees in Germany — from €58/month Sources: § 5 SGB V · Skilled Immigration Act · HanseMerkur GTC · Care Concept AG · GKV-Spitzenverband · DAK-Gesundheit **No insurance certificate — no first day at work.** That is the rule for every foreign employee and skilled worker in Germany. Without a valid proof of insurance your employer simply cannot register you for social security. And without registration: no salary, no active contract, no start. Health insurance for foreign employees does not have to be complex or expensive. Private Incoming tariffs start at [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (up to 5 years) — statutory GKV via [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit-angestellte/overview/) starts with the first salary at 17.8% of gross, split equally between employer and employee. Below we explain why Blue Card holders and skilled workers can make a single wrong choice between GKV and private insurance that locks them in for years — and how to avoid it. 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 10, 2026** Sources§ 5 SGB V · Skilled Immigration Act · HanseMerkur Krankenversicherung AG · Care Concept AG · BAMF · GKV-Spitzenverband · DAK-Gesundheit 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready to start work in Germany? Pick your employee plan. [Care Expatriate (private) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[DAK-Gesundheit (statutory) 17.8% of gross (open-ended) ](/en/insurance-plans/dak-gesundheit-angestellte/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - Health insurance is mandatory from day one (§ 5 SGB V) — your employer cannot register you for social security without proof. - Statutory GKV is mandatory below €77,400/year gross (2026 JVEG threshold) — DAK-Gesundheit costs 17.8% of gross, split equally between employer and employee. - Care Expatriate (HanseMerkur) from €58/month covers transition periods, Blue Card gaps and high earners — typically accepted by HR and the Ausländerbehörde for the residence permit. - EHIC is not enough for regular employment in Germany — a German insurance certificate is required. - Without insurance, a hospital stay costs ≈ €830/day — a single operation plus 3 days inpatient care can mean €5,000–€15,000 in private debt. Key facts at a glance Reviewed September 10, 2026 - **Care Expatriate:** from €58/month (ages 13–40), up to €432/month (entry age 61–74, Premium tier). Up to 60 months duration, BAMF-recognised for the residence permit. (Source: HanseMerkur GTC 2026). - **DAK-Gesundheit (employees):** 17.8% of gross salary, split 50/50 between employer (8.9%) and employee (8.9%). Free family insurance for spouses and children. (Source: § 241 SGB V). - **JVEG threshold 2026:** €77,400/year gross — below this, GKV is mandatory; above, employees may choose between GKV and private insurance. (Source: § 6 (7) SGB V). - **Without insurance:** a hospital stay costs ≈ €830/day — one operation plus 3 days inpatient care = €5,000–€15,000 in private debt. (Source: InEK 2024 / DRG day rate). ## The four worries almost every foreign employee in Germany has **Quick answer:** "Do I really need insurance before day one?" — Yes. Under § 5 SGB V, no HR department can register you for social security without a valid insurance certificate. Below are the four pain points we see again and again, and how each one is solved with the right tariff. ## 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. ## Quick reality check: what happens without proof of insurance? ## 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. ## How fast can you be HR-ready if you act today? ## 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. ## Get HR-ready in 3 steps 10 minutes of effort. PDF certificate by email. Forwardable to HR and the Ausländerbehörde. ## Covered for your German job in 3 steps Statutory health insurance with employer contribution; family coverage may be possible under certain conditions. 1. 1 🎯 Choose DAK-Gesundheit Choose DAK-Gesundheit if you will work in a social-security-covered job and are required or eligible for German statutory health insurance. 2. 2 📝 Complete the membership form Enter your personal details, employer details and planned job start date. 3. 3 ✅ Receive membership confirmation Receive confirmation for your employer; your health insurance card follows after membership setup. ## What foreign employees, skilled workers and Blue Card holders say about choosing the right insurance for the first day of work, the residence permit appointment and the social-security registration 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 employee health insurance — by case 💼 Transition · Blue Card · high earners ### 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 🏥 Statutory GKV · under €77,400/year ### DAK-Gesundheit Employees currently 17.8% of gross income (employer pays half · plus long-term care insurance) For foreign employees with a social-security-covered job in Germany - Statutory health insurance for employees in Germany - Employer pays half of the health insurance contribution - Family coverage for spouse & children may be possible under statutory rules - Doctor, dentist, hospital, pharmacy & prescription medication coverage - Health insurance card for medical treatment in Germany - EU/EEA coverage via the European Health Insurance Card - Save €120 per year with DAK Garantietarif 120 possible - Optional: DAK Fit & Travel with additional benefits up to age 39 - Mandatory long-term care insurance also applies - Reputable statutory health insurance provider Why DAK-Gesundheit? For foreign employees in Germany who need statutory health insurance with a health insurance card, employer contribution and possible family coverage. Why statutory health insurance as an employee? More security in everyday working life in Germany: the employer pays half, family members may be covered free of charge under certain conditions, and medical treatment is handled easily through the health insurance card. - 🏛️ DAK-Gesundheit - 📄 Membership certificate for employers & authorities - 🔒 Doctor, dentist, clinic, pharmacy & prescription medication - 🏷️ Currently 17.8% of gross income · employer pays half [DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit-angestellte/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit-angestellte/apply/) → Complete the application, start your membership, receive your health insurance card ## Care Expatriate — all prices by age & duration **Quick answer:** Care Expatriate — the recommended private Incoming tariff for Blue Card holders, freelancers, expats and transition periods — starts at €58/month (ages 13–40) and goes up to €432/month (entry age 61–74, Premium tier). Up to 60 months duration, accepted by HR and the Ausländerbehörde for the 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 Is health insurance mandatory for foreign employees in Germany? Yes — under § 5 SGB V every employee — including foreign nationals, skilled workers and Blue Card holders — must have valid health insurance from the first working day. Without an insurance certificate the employer cannot register you for social security. GKV or private — what applies to foreign employees? Employees with gross income under €77,400/year (2026 JVEG) are mandatory in GKV (e.g. DAK-Gesundheit, 17.8% of gross, split 50/50 employer/employee). Above the threshold or for Blue Card transition periods, private Incoming insurance like Care Expatriate from €58/month is possible. Switching from GKV to private is practically irreversible from age 55. What does health insurance cost for foreign employees? GKV: ~17.8% of gross salary, half paid by the employer. Private Incoming tariffs for transition periods start at €58/month (Care Expatriate, ages 13–40) up to €432/month (entry age 61–74, Premium tier). Can I use my home-country insurance in Germany? EU citizens can use the EHIC for short visits, but it is not sufficient for regular employment in Germany. A German insurance certificate is required for the social security registration. Do Blue Card holders need German health insurance? Yes. EU Blue Card holders must have valid health insurance in Germany from day one — it is mandatory under § 5 SGB V. Salaries below the JVEG opt-out threshold (€77,400 in 2026) trigger mandatory GKV enrolment (typically DAK-Gesundheit at 17.8% of gross, split with the employer). Above the threshold, private insurance is possible. Care Expatriate (from €58/month) is the standard bridge tariff for the transition period before the first German payroll or during any GKV enrolment gap. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for your first day at work? Pick the employee plan that fits your case. [Care Expatriate (private) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[DAK-Gesundheit (statutory) 17.8% of gross (open-ended) ](/en/insurance-plans/dak-gesundheit-angestellte/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [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 10, 2026.