Long-Term-Health Insurance for Foreign Seniors in Germany – Tariffs, Costs and Checklist
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) — 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 — 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
Over 10,000 policies issued · Since 2009
Want 5 years of locked-in cover before turning 61? Sign Care Expatriate today.
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.
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€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.
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€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.
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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.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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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
“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
Cameroon
“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
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“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
Australia
Now choose your plan
Recommended tariffs for long-term senior cover in Germany
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
→ Complete the application, receive your instant PDF, submit your proof
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
→ Complete the application, receive your instant PDF, submit your proof
Comparing the statutory vs. private decision frame? Statutory or private for foreign retirees. Joining adult children under § 36 AufenthG? Parent-reunification health insurance. For the full overview see the foreign-retirees hub.
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 Expatriateweltweit ohne USA, Kanada und Mexiko |
Basic
|
BestsellerComfort
|
Premium
|
|||
|---|---|---|---|---|---|---|
|
SB / Jahr
150,–
|
SB / Jahr
150,–
|
SB / Jahr
500,–
|
SB / Jahr
0,–
|
SB / Jahr
500,–
|
SB / Jahr
1.000,–
|
|
| Eintrittsalter:0–12 (€ / Monat) | 64,– | 104,– | 81,– | 191,– | 149,– | 117,– |
| Eintrittsalter:13–40 (€ / Monat) | 58,– | 84,– | 63,– | 181,– | 141,– | 109,– |
| Eintrittsalter:41–60 (€ / Monat) | 68,– | 103,– | 77,– | 256,– | 201,– | 156,– |
| Eintrittsalter:61–74 (€ / Monat) | 246,– | 322,– | 248,– | 432,– | 336,– | 263,– |
Alle Preise pro Monat/Person in Euro. SB = Selbstbeteiligung pro Versicherungsjahr. Stand 2026.
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. 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.