--- title: "From €246/mo · Long Term Health Insurance Germany" description: "Long-term health insurance for seniors: Care Expatriate from €246/month at ages 61–74, accepted by the German Ausländerbehörde for the residence permit." 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": "Long-Term-Health Insurance for Foreign Seniors in Germany – Tariffs, Costs and Checklist", "description": "Long-term health insurance for seniors: Care Expatriate from €246/month at ages 61–74, accepted by the German Ausländerbehörde for the residence permit.", "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": "2026-09-10", "dateModified": "2026-09-12", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "European Health Insurance Card", "url": "https://en.wikipedia.org/wiki/European_Health_Insurance_Card" }, { "@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": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Foreign Retirees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/" }, { "@type": "ListItem", "position": 3, "name": "Long-Term Health Insurance for Seniors in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "How does the entry-age locking work?", "acceptedAnswer": { "@type": "Answer", "text": "The premium is calculated based on the age at policy start and stays in the same band for the contract duration — that is why early enrolment (e. g. age 60 vs. 65) saves a lot of money." } }, { "@type": "Question", "name": "What happens after the 60 months?", "acceptedAnswer": { "@type": "Answer", "text": "You typically switch to a German private long-term tariff or join the GKV via family insurance — depending on personal status (employment, marriage to GKV member, KVdR)." } }, { "@type": "Question", "name": "Are pre-existing conditions covered?", "acceptedAnswer": { "@type": "Answer", "text": "No — the 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Care Expatriate (like all Incoming tariffs) excludes pre-existing conditions. For known chronic illnesses, a German private long-term policy with health questions is required." } }, { "@type": "Question", "name": "How much does long-term insurance cost for seniors 65+ in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate Basic from €246/month (ages 61–74) with €150 deductible; Comfort from €248/month; Premium from €432/month with zero deductible. All three tiers cover up to 60 months and are accepted under § 5 AufenthG for the residence permit." } }, { "@type": "Question", "name": "Can I extend Care Expatriate beyond 5 years for seniors?", "acceptedAnswer": { "@type": "Answer", "text": "Contracts run up to 60 months. Renewal requires a new application at the age band applicable on the renewal date. After 5–7 years many seniors transition to a substitutive German PKV tariff with health questions or, if the spouse is GKV-insured, into Familienversicherung under § 10 SGB V (income limit €556/month in 2026)." } }, { "@type": "Question", "name": "What long-term health insurance options exist for elderly foreigners in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For seniors up to age 74, Care Expatriate offers long-term medical coverage (up to 5 years) starting from €246/month (ages 61–74, Basic plan). For shorter stays or transition periods, Care Economy provides insurance coverage from €30/30 days. Both are recognized by German immigration authorities as valid proof of insurance." } }, { "@type": "Question", "name": "Is there health insurance for seniors over 65 moving to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Both Care Economy (up to 2 years, from €125/30 days for ages 65 and over) and Care Expatriate (up to 5 years, from €246/month for ages 61–74, Basic) cover seniors up to age 74. There is no blanket rejection based on age. Insurance premiums are transparently structured by age group. An insurance certificate is provided instantly via email." } }, { "@type": "Question", "name": "How do I get proof of health insurance for a German residence permit as a senior?", "acceptedAnswer": { "@type": "Answer", "text": "After completing the online application, you receive an instant insurance certificate by email (PDF). This document includes your name, coverage period, scope of benefits and insurer details — exactly what the Ausländerbehörde requires for your residence permit. Both Care Economy and Care Expatriate provide this proof of insurance immediately." } }, { "@type": "Question", "name": "How long should health insurance run for a stay in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Usually for as long as the stay is planned — and not shorter. The premium is set by the entry age at the start of the contract: from €68/month in the 41–60 age band, from €246/month in the 61–74 band (example values, Basic) — around €10,680 difference over 60 months. Care Expatriate can be taken out up to the age of 74." } }, { "@type": "Question", "name": "Monthly or a single payment — what is the difference?", "acceptedAnswer": { "@type": "Answer", "text": "Both are possible and the price is the same — there is no discount for paying in one go. The difference lies in the risk: if a direct debit goes unpaid it can affect the insurance cover, and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit." } }, { "@type": "Question", "name": "What happens to the premium already paid if I return early?", "acceptedAnswer": { "@type": "Answer", "text": "If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is usually refunded minus a €5 processing fee (source: Care Concept FAQ). The financial risk of paying in advance is therefore typically €5, not the remaining balance." } }, { "@type": "Question", "name": "What applies if the visa is not granted?", "acceptedAnswer": { "@type": "Answer", "text": "If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover starts. Premiums already paid are usually refunded minus a €5 processing fee (source: Care Concept FAQ)." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How does the entry-age locking work?", "text": "How does the entry-age locking work?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The premium is calculated based on the age at policy start and stays in the same band for the contract duration — that is why early enrolment (e. g. age 60 vs. 65) saves a lot of money.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens after the 60 months?", "text": "What happens after the 60 months?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "You typically switch to a German private long-term tariff or join the GKV via family insurance — depending on personal status (employment, marriage to GKV member, KVdR).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Are pre-existing conditions covered?", "text": "Are pre-existing conditions covered?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — the 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Care Expatriate (like all Incoming tariffs) excludes pre-existing conditions. For known chronic illnesses, a German private long-term policy with health questions is required.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does long-term insurance cost for seniors 65+ in Germany?", "text": "How much does long-term insurance cost for seniors 65+ in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate Basic from €246/month (ages 61–74) with €150 deductible; Comfort from €248/month; Premium from €432/month with zero deductible. All three tiers cover up to 60 months and are accepted under § 5 AufenthG for the residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I extend Care Expatriate beyond 5 years for seniors?", "text": "Can I extend Care Expatriate beyond 5 years for seniors?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Contracts run up to 60 months. Renewal requires a new application at the age band applicable on the renewal date. After 5–7 years many seniors transition to a substitutive German PKV tariff with health questions or, if the spouse is GKV-insured, into Familienversicherung under § 10 SGB V (income limit €556/month in 2026).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What long-term health insurance options exist for elderly foreigners in Germany?", "text": "What long-term health insurance options exist for elderly foreigners in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For seniors up to age 74, Care Expatriate offers long-term medical coverage (up to 5 years) starting from €246/month (ages 61–74, Basic plan). For shorter stays or transition periods, Care Economy provides insurance coverage from €30/30 days. Both are recognized by German immigration authorities as valid proof of insurance.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is there health insurance for seniors over 65 moving to Germany?", "text": "Is there health insurance for seniors over 65 moving to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Both Care Economy (up to 2 years, from €125/30 days for ages 65 and over) and Care Expatriate (up to 5 years, from €246/month for ages 61–74, Basic) cover seniors up to age 74. There is no blanket rejection based on age. Insurance premiums are transparently structured by age group. An insurance certificate is provided instantly via email.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do I get proof of health insurance for a German residence permit as a senior?", "text": "How do I get proof of health insurance for a German residence permit as a senior?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "After completing the online application, you receive an instant insurance certificate by email (PDF). This document includes your name, coverage period, scope of benefits and insurer details — exactly what the Ausländerbehörde requires for your residence permit. Both Care Economy and Care Expatriate provide this proof of insurance immediately.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long should health insurance run for a stay in Germany?", "text": "How long should health insurance run for a stay in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Usually for as long as the stay is planned — and not shorter. The premium is set by the entry age at the start of the contract: from €68/month in the 41–60 age band, from €246/month in the 61–74 band (example values, Basic) — around €10,680 difference over 60 months. Care Expatriate can be taken out up to the age of 74.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Monthly or a single payment — what is the difference?", "text": "Monthly or a single payment — what is the difference?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Both are possible and the price is the same — there is no discount for paying in one go. The difference lies in the risk: if a direct debit goes unpaid it can affect the insurance cover, and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to the premium already paid if I return early?", "text": "What happens to the premium already paid if I return early?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is usually refunded minus a €5 processing fee (source: Care Concept FAQ). The financial risk of paying in advance is therefore typically €5, not the remaining balance.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What applies if the visa is not granted?", "text": "What applies if the visa is not granted?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover starts. Premiums already paid are usually refunded minus a €5 processing fee (source: Care Concept FAQ).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-12", "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 (up to 5 years) from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Foreign Retirees in Germany](/en/health-insurance-foreign-retirees-germany/) 3. Long-Term Health Insurance for Seniors in Germany # Long-Term-Health Insurance for Foreign Seniors in Germany – Tariffs, Costs and Checklist Entry age 41–60: from €68/month Entry age 61–74: from €246/month Sources: § 5 AufenthG · § 5 / § 10 SGB V · § 257 SGB V · HanseMerkur AVB **Long-term Incoming cover for foreign seniors in Germany runs up to 5 years (60 months) per Care Expatriate contract.** That is the recognised maximum under HanseMerkur AVB — and it is enough to bridge into the next legal route (Substitutive PKV, KVdR after 9/10 GKV time, or Familienversicherung). The entry route is [Care Expatriate from €68/month (ages 41–60) · €246/month (ages 61–74)](/en/insurance-plans/care-expatriate/overview/) — accepted by every Ausländerbehörde under § 5 AufenthG. Two levers control the lifetime cost: **entry-age band locking** (the calendar day you sign decides the band for the whole contract) and **tier choice** (Basic with €150 deductible from €246/month for 61–74, Comfort from €248, Premium with €0 deductible from €432). For shorter visits before the long-term decision use [Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) — but switch to Care Expatriate before the 2-year Care Economy cap to keep continuous cover. Below: the three-tier comparison with full age tables, the three exit routes at month 60 (PKV-Substitutiv, KVdR via 9/10 rule, Familienversicherung § 10 SGB V), the chronic- condition rule that decides whether Care Expatriate or a German long-term tariff is right, and the calendar-day rule that saves real money before the 61st birthday. Senior Stay Coverage Options for visitors and long-stay seniors up to entry age 74 Visa & Residence Proof Proof for embassy, consulate or residence documents Online Application Receive confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 12, 2026** Sources§ 5 AufenthG · § 5 SGB V (KVdR 9/10) · § 10 SGB V (Familienversicherung) · § 257 SGB V (PKV-Zuschuss) · HanseMerkur Care Expatriate AVB · DKG-Krankenhausstatistik 2024 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Want 5 years of locked-in cover before turning 61? Sign Care Expatriate today. [Care Expatriate from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (short visit / decision 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 - Care Expatriate is the recognised long-term Incoming cover for foreign seniors in Germany — up to 5 years (60 months) per contract, ages 0–74, three tiers (Basic / Comfort / Premium). - Entry-age premium locking: signing at 60 vs. 61 is the largest single cost-saver — €68/month (41–60 band) jumps to €246/month (61–74 band) on the Basic tier. - After month 60: switch to a German private long-term tariff with health questions, or — if the spouse is GKV-insured — into Familienversicherung (§ 10 SGB V, income < €535/month). KVdR via 9/10 rule (§ 5 SGB V) remains closed for most foreign retirees. Key facts at a glance Reviewed September 12, 2026 - **Maximum contract duration: 60 months (5 years):** Care Expatriate AVB caps a single contract at 60 months across all three tiers and all entry ages 0–74. After month 60 you switch to PKV-Substitutiv, KVdR (if 9/10 met) or Familienversicherung — or sign a fresh Care Expatriate term. (Source: Care Expatriate AVB · HanseMerkur Versicherungsgruppe Hamburg). - **Entry-age premium locking (calendar-day rule):** The premium band is fixed by the day of policy start. Ages 41–60 → from €68/month; ages 61–74 → from €246/month (Basic). Signing the day before the 61st birthday locks the cheaper band for the entire 5-year contract. (Source: Care Expatriate AVB · § 12 VVG). - **Pre-existing-condition exclusion (all Incoming tariffs):** Conditions known and treated before policy start are excluded across every Incoming product (Care Expatriate, Economy, College). Acute conditions arising after start are fully covered up to the chosen tier ceiling. (Source: Care Expatriate AVB · § 41 VVG). - **German hospital cost without cover:** A standard inpatient day in Germany averages €830 (DKG 2024). For a senior with a 4-week hospital stay that is over €23,000 out of pocket — Care Expatriate Basic at €246/month removes the risk for the full 5 years. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). ## Four mistakes that cost foreign seniors thousands over 5 years **Quick answer:** "Why is my premium so high?" — most senior policyholders stumble on one of four points: signed on or after the 61st birthday and missed the cheaper band; chose Premium (€0 deductible) without checking that Comfort (€150 deductible) covers the same hospital tier; assumed the 5-year contract auto-renews into a cheaper rate (it does not — the next contract uses the new entry age); or applied with a known chronic condition, leading to AVB-based exclusion at the first claim. ## Avoid the mistakes that can delay your application ### Senior prices can surprise you Age matters. For seniors, rates can be much higher, so show age-based pricing before the visitor applies. ### Short visit or long stay? Care Visa Protect or Care Economy may fit visits; Care Expatriate may fit selected longer family-stay cases. ### Entry age limit matters Many options have an entry-age limit. Check eligibility before preparing visa or residence documents. ### Coverage gaps create stress Choose the coverage period carefully if travel dates, family visit length or residence timing are uncertain. ## What 5 years uninsured can cost a foreign senior in Germany ## 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. 👴 Age changes everything Senior pricing and eligibility matter Older parents or seniors may face higher prices and entry-age limits, so the wrong choice can create surprises before applying. - 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. ## About to turn 61? Sign before the birthday — lock the band for 5 full years ## Why act before family visit or residence paperwork Older visitors often face age-based pricing and eligibility limits. Waiting too long can make the right option harder to choose. 👴 Age affects price Senior rates can be much higher, so check pricing before preparing documents. 📄 Entry-age limits matter Many incoming insurance options are only available up to a specific entry age. ⚡ Short visit or long stay? Care Visa Protect, Care Economy and Care Expatriate serve different stay lengths. ✅ Avoid coverage gaps Choose the coverage period carefully if family visit dates or residence timing are uncertain. ## From application to a 5-year locked premium — in 3 steps 10 minutes online. No medical exam, no health questions for standard tier cover. PDF certificate by email within minutes — accepted by every Ausländerbehörde under § 5 AufenthG. Cover and the entry-age band start on the day you select. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What foreign seniors say about Care Expatriate for the full 5-year long-term cover in Germany 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs for long-term senior cover in Germany 🎯 Standard · 5-year long-term route ### Care Expatriate from €68/month (41–60) · from €246/month (61–74) — up to 5 years For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof 🛟 Short visit · decision bridge ### Care Economy from only €30.00 / 30 days (coverage up to 2 years) For guests, tourists, family visits, job seekers & the German Opportunity Card - Proof of insurance for visas & immigration authorities within minutes - Affordable coverage from €1.00 per day - Doctor, hospital & dental emergency coverage - Suitable for Schengen visas, the Opportunity Card & family visits - Flexible coverage from 1 day up to 2 years - Coverage in Germany, the EU & the Schengen Area - 24/7 assistance + digital insurance card - Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74 - Coverage term: 1 day to 2 years · entry age 0–74 - Reputable insurance carrier Why Care Economy? For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits. Why a 2-year coverage term? More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €30 / 30 days · up to 2 years possible [Care Economy – Quick Overview](/en/insurance-plans/care-economy/plan-details/) [Apply online now](/en/insurance-plans/care-economy/apply/) → Complete the application, receive your instant PDF, submit your proof Comparing the statutory vs. private decision frame? [Statutory or private for foreign retirees](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/). Joining adult children under § 36 AufenthG? [Parent-reunification health insurance](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/). For the full overview see the [foreign-retirees hub](/en/health-insurance-foreign-retirees-germany/). ## Care Expatriate — full price table by entry age and tier **Quick answer:** Care Expatriate long-term senior pricing (entry-age locked for the full 5-year contract): ages 41–60 from €68/month (Basic, €150 deductible); ages 61–74 from €246/month — Comfort from €248, Premium with zero deductible from €432. 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/) ## How long should the health insurance run? **Quick answer:** **Usually for as long as the stay is planned to last — and not shorter.** The premium is set by the entry age at the start of the contract and stays in that age band for the whole term. Anyone who extends later typically signs a new contract at the age they are by then. Term comparison over five years — example values, Basic, age band 61–74 (€246/month) Term Premium/month Total Renewals needed Pre-existing-condition gap 12 months €246 €2,952 4 possible (2×) 24 months €246 €5,904 2 possible (1×) 60 months €246 €14,760 0 none ### Is a 61st birthday coming up? In the 41–60 age band the Basic premium is €68/month; in the 61–74 band it is €246/month (example values). The difference is around €178 a month — roughly €10,680 over 60 months. What counts is the age at the start of the contract, not the age during the term. Concretely: someone who chooses a 60-month term at 60 pays the 41–60 band for five years, rather than the 61–74 band from their 61st birthday onwards. ### When the renewal falls due A policy with a twelve-month term typically expires at close to the point the residence permit (Aufenthaltstitel) also needs extending. Both then fall in the same weeks: new contract, new proof of cover, new appointment at the foreigners' authority (Ausländerbehörde) — often under time pressure. A longer term decouples the two dates. There is also the practical effort: every renewal means passport details, proof of address and personal information again — usually gathered by relatives in Germany while the insured person is still abroad. ### What is different at renewal Conditions that first arise during a running contract are, as a rule, covered within that contract. In a contract taken out later they typically count as a pre-existing condition — and pre-existing conditions are usually excluded in incoming tariffs. The older the insured person, the more likely it is that a diagnosis falls between two contracts, and that diagnosis then usually counts as pre-existing in the follow-up contract. A continuous term avoids that gap. A gap can also open up between two contracts — days without cover, which may become visible when the residence permit is next extended. A continuous term avoids that. A fixed term also means planning certainty for the family: the premium is set for the whole duration, with no annual recalculation. ### Maximum entry age of 74 Care Expatriate can be taken out up to the age of 74. Someone who takes only one year at a time from 72 onwards can no longer start a new contract from 75. A longer term, chosen early, maintains the cover beyond that point. ### Monthly or a single payment? **Quick answer:** **Both are possible, and the price is the same — there is no discount for paying in one go.** The difference lies in the risk: if a direct debit goes unpaid, that can affect the insurance cover — and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit. That matters above all where the premiums are paid by relatives in Germany: a job change, a change of bank or one tight month then has no bearing on the insured person's residence status. Where the premium is transferred from abroad, one payment replaces up to sixty individual transfers — each with its own bank charges and exchange rate. ### What happens on an early return? If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is, as a rule, refunded minus a €5 processing fee (source: Care Concept FAQ). So someone who pays 60 months in advance and returns after two years gets the premium for the unused months back — the financial risk of paying in one go is therefore €5, not the remaining balance. ### And if the visa is not granted? If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover begins. Premiums already paid are, as a rule, refunded minus a €5 processing fee (source: Care Concept FAQ). ## Frequently Asked Questions How does the entry-age locking work? The premium is calculated based on the age at policy start and stays in the same band for the contract duration — that is why early enrolment (e. g. age 60 vs. 65) saves a lot of money. What happens after the 60 months? You typically switch to a German private long-term tariff or join the GKV via family insurance — depending on personal status (employment, marriage to GKV member, KVdR). Are pre-existing conditions covered? No — the 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Care Expatriate (like all Incoming tariffs) excludes pre-existing conditions. For known chronic illnesses, a German private long-term policy with health questions is required. How much does long-term insurance cost for seniors 65+ in Germany? Care Expatriate Basic from €246/month (ages 61–74) with €150 deductible; Comfort from €248/month; Premium from €432/month with zero deductible. All three tiers cover up to 60 months and are accepted under § 5 AufenthG for the residence permit. Can I extend Care Expatriate beyond 5 years for seniors? Contracts run up to 60 months. Renewal requires a new application at the age band applicable on the renewal date. After 5–7 years many seniors transition to a substitutive German PKV tariff with health questions or, if the spouse is GKV-insured, into Familienversicherung under § 10 SGB V (income limit €556/month in 2026). What long-term health insurance options exist for elderly foreigners in Germany? For seniors up to age 74, [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) offers long-term medical coverage (up to 5 years) starting from €246/month (ages 61–74, Basic plan). For shorter stays or transition periods, Care Economy provides insurance coverage from €30/30 days. Both are recognized by German immigration authorities as valid proof of insurance. Is there health insurance for seniors over 65 moving to Germany? Yes. Both Care Economy (up to 2 years, from €125/30 days for ages 65 and over) and Care Expatriate (up to 5 years, from €246/month for ages 61–74, Basic) cover seniors up to age 74. There is no blanket rejection based on age. Insurance premiums are transparently structured by age group. An insurance certificate is provided instantly via email. How do I get proof of health insurance for a German residence permit as a senior? After completing the online application, you receive an instant insurance certificate by email (PDF). This document includes your name, coverage period, scope of benefits and insurer details — exactly what the Ausländerbehörde requires for your residence permit. Both Care Economy and [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) provide this proof of insurance immediately. How long should health insurance run for a stay in Germany? Usually for as long as the stay is planned — and not shorter. The premium is set by the entry age at the start of the contract: from €68/month in the 41–60 age band, from €246/month in the 61–74 band (example values, Basic) — around €10,680 difference over 60 months. Care Expatriate can be taken out up to the age of 74. Monthly or a single payment — what is the difference? Both are possible and the price is the same — there is no discount for paying in one go. The difference lies in the risk: if a direct debit goes unpaid it can affect the insurance cover, and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit. What happens to the premium already paid if I return early? If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is usually refunded minus a €5 processing fee (source: Care Concept FAQ). The financial risk of paying in advance is therefore typically €5, not the remaining balance. What applies if the visa is not granted? If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover starts. Premiums already paid are usually refunded minus a €5 processing fee (source: Care Concept FAQ). [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 12, 2026.