--- title: "From €246/mo · Parent Reunification Insurance Proof Germany" description: "Bringing parents to Germany? Insurance proof for the residence permit from €246/month (ages 61–74), bilingual certificate usually by email within minutes." 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": "Parent Reunification: Health Insurance for Foreign Parents in Germany", "description": "Bringing parents to Germany? Insurance proof for the residence permit from €246/month (ages 61–74), bilingual certificate usually by email within minutes.", "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": "2026-09-13", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "Care Expatriate", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/" } ], "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": "Parent Reunification Health Insurance for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Can my parents join my German statutory insurance (Familienversicherung)?", "acceptedAnswer": { "@type": "Answer", "text": "German statutory family insurance (§ 10 SGB V) normally covers spouses, registered partners and children if the legal requirements are met. Usually not through free family insurance. Parents of adult children are normally not included. A parent may enter statutory insurance only through a separate legal route — for example previous German statutory membership, employment, a German pension, EU coordination via an S1 form, or another qualifying status. In many parent-reunification cases the practical route is private long-term health insurance such as Care Expatriate from €68/month (ages 41–60) or €246/month (ages 61–74)." } }, { "@type": "Question", "name": "Which insurance does the embassy require for the parent-reunification visa?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy (from €30 / 30 days for ages up to 64, from about €88.50 / 30 days for ages 65 and over) can be used as a visitor / short-stay bridge during the visa-application window. The embassy normally requires proof of valid health insurance for the entire planned stay. For a long-term move under § 36 AufenthG most missions expect ongoing private cover comparable to SGB V — Care Expatriate is a common route. Always check the responsible German mission's checklist; final acceptance depends on the authority." } }, { "@type": "Question", "name": "What does Care Expatriate cost for parents aged 65 and 70?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate Basic with €150 deductible costs from €246/month for ages 61–74. Comfort tier from €248/month, Premium with zero deductible from €432/month — all three tiers cover up to 5 years. Younger entry ages save significantly: from €68/month at ages 41–60. The premium is based on entry age at contract start, so applying before a higher age band starts can lower the monthly cost for the contract period." } }, { "@type": "Question", "name": "Is travel insurance enough for parent reunification in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For a long-term national D-visa under family reunification (Elternnachzug, § 36 AufenthG), German missions typically require ongoing private health insurance comparable to SGB V — for example Care Expatriate. Usually not. Travel insurance, visitor insurance and EHIC are designed for short tourist stays or family visits. A short-trip travel policy may not be accepted at the embassy or by the Ausländerbehörde for a long-term residence permit." } }, { "@type": "Question", "name": "What health insurance do parents of EU Blue Card holders or skilled workers need?", "acceptedAnswer": { "@type": "Answer", "text": "Parents and parents-in-law of Blue Card holders and skilled workers usually need long-term health insurance proof valid in Germany from day one of arrival. In many cases, private long-stay Incoming insurance such as Care Expatriate (from €133/month for age aged 61–74, S tier) is the practical route, because statutory family insurance (§ 10 SGB V) does not extend to parents and the KVdR 9/10 rule normally closes statutory cover. Final acceptance depends on the responsible German embassy and Ausländerbehörde." } }, { "@type": "Question", "name": "Can parents-in-law join a skilled worker’s family in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, in specific skilled-worker or Blue Card family situations, depending on the qualifying residence title and date of issue. The insurance requirements are typically the same as for biological parents: valid health insurance for Germany from arrival, suitable for a long-term stay (Care Expatriate from €246/month, ages 61–74). Always check the responsible German mission for the exact checklist." } }, { "@type": "Question", "name": "What is exceptional hardship under § 36(2) AufenthG?", "acceptedAnswer": { "@type": "Answer", "text": "Outside the skilled-worker route under § 36(3) AufenthG, parents of adult children usually need to demonstrate “exceptional hardship” (außergewöhnliche Härte) under § 36(2) AufenthG to qualify for family reunification. This is a strict criteria-based test. Health insurance proof is still essential — typically long-term private cover from the first day of arrival, plus the hardship documentation. The final decision depends on the responsible authority." } }, { "@type": "Question", "name": "What if my parent has diabetes, high blood pressure or another pre-existing condition?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Coverage of pre-existing conditions depends on tariff terms and individual medical review. We do not give medical advice and we cannot promise acceptance for any specific condition. For parents with diabetes, heart conditions, cancer history or other chronic illness we recommend checking insurance options early — well before the embassy appointment — so there is time for underwriting questions or alternative tariff choices." } }, { "@type": "Question", "name": "Does the insurance certificate need to be in German or English?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): German missions usually accept insurance certificates in German or English. Certificates from German insurers such as HanseMerkur (Care Expatriate, Care Economy) are typically issued bilingually. The exact language and document checklist depends on the responsible German embassy or consulate, so check before your appointment." } }, { "@type": "Question", "name": "What is the difference between parent visit insurance and parent reunification insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Parent visit insurance is for temporary stays, tourism or short family visits — typically up to 90 days and often a Schengen-style policy. Parent reunification insurance is for a long-term residence route under § 36 AufenthG and usually needs stronger long-term proof, comparable to SGB V cover, valid from the first day of the stay." } }, { "@type": "Question", "name": "How much does health insurance for parents in Germany cost?", "acceptedAnswer": { "@type": "Answer", "text": "For visitor / short-stay cover, Care Economy starts from €30 / 30 days (ages up to 64) and from about €88.50 / 30 days (ages 65 and over). For long-term parent reunification, Care Expatriate starts from €68/month (ages 41–60) and from €246/month (61–74), Comfort from €248/month, Premium with zero deductible from €432/month. Final pricing depends on age, tariff tier, deductible and duration." } }, { "@type": "Question", "name": "What health insurance do parents over 60, 65 or 70 need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate accepts entry up to age 74 and runs up to 5 years per contract. Older parents typically need a private long-stay solution because statutory cover is usually closed. Pre-existing conditions, deductible level and tier choice should be checked early. The responsible authority decides on final acceptance of the insurance proof." } }, { "@type": "Question", "name": "What should the insurance certificate show for the embassy and Ausländerbehörde?", "acceptedAnswer": { "@type": "Answer", "text": "A strong certificate normally shows the parent's full name and date of birth, the insurer and policy number, the start date and full coverage period, Germany validity, outpatient and inpatient benefits, hospital and emergency cover, medically necessary repatriation where applicable, the deductible, and a statement that the policy is suitable for a long-term stay (national D-visa or Aufenthaltserlaubnis). The exact checklist varies by mission and Ausländerbehörde." } }, { "@type": "Question", "name": "What health insurance do parents from India, Pakistan or China need?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): The German insurance requirement does not depend on nationality. It depends on the residence route, age, medical history and length of stay. For parents from India, Pakistan, China, Turkey, Iran, Egypt, Bangladesh, Morocco, Tunisia, Ukraine, Russia, Nepal, Nigeria or Cameroon, the practical route for long-term parent reunification is usually private long-stay cover such as Care Expatriate, while a short visit may be covered by visitor / Schengen insurance." } }, { "@type": "Question", "name": "How much does parent reunification health insurance cost in Germany over 5 years?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate at the Basic tier for entry age 61–74 costs €2,952 over 12 months and €14,760 over 60 months in total. The monthly premium is locked at the entry-age band for the full contract length and does not increase annually. Comfort and Premium tiers are higher; the Premium tier with zero deductible totals about €25,920 over 60 months for the same age band." } }, { "@type": "Question", "name": "What is the total cost of a 5-year Care Expatriate contract for parents in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For an entry age between 61 and 74, the 5-year (60-month) total cost ranges from €14,760 at the Basic tier (€150 deductible) to about €25,920 at the Premium tier with zero deductible. The premium is fixed at the entry-age band when the contract is signed, so the total is predictable from day one." } }, { "@type": "Question", "name": "What health insurance do parents need for family reunion in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Parents joining their children in Germany (Elternnachzug / family reunification) typically need health insurance recognized by the immigration office. Options include incoming insurance for transition coverage (from €30/30 days) or long-term private insurance like Care Expatriate (from €246/month for ages 61–74). The insurance certificate is required for the visa application." } }, { "@type": "Question", "name": "Is there an age limit for health insurance for elderly parents moving to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No. Both Care Economy and Care Expatriate cover persons up to age 74. There is no blanket rejection based on age. Insurance premiums increase with age but are transparently structured by age group: 41–60, 61–74. Proof of insurance is provided instantly via email." } }, { "@type": "Question", "name": "What documents does the German embassy require for parent visa health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "The embassy typically requires: an insurance certificate with coverage details (outpatient, inpatient, medical repatriation), validity period, geographic coverage area (Germany/Schengen), and the insurer's name and contact. A printed PDF is generally accepted. Care Economy and Care Expatriate provide instant PDF proof of insurance via email." } }, { "@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)." } }, { "@type": "Question", "name": "Is parent reunification the same as family reunion or family reunification?", "acceptedAnswer": { "@type": "Answer", "text": "They describe the same route with different wording. \"Family reunification\" (Familiennachzug) is the general legal category; \"parent reunification\" (Elternnachzug) is the specific case where adult children bring a parent. A \"family reunion visa\" is the visa applied for at the German mission. Whichever term you searched for, the insurance requirement is the same: proof of cover valid in Germany for the whole planned stay." } }, { "@type": "Question", "name": "How do I bring my parents to Germany and what insurance do they need?", "acceptedAnswer": { "@type": "Answer", "text": "To bring parents to Germany on a long stay, each parent normally needs their own health insurance proof for the residence permit under § 5 AufenthG. Care Expatriate is the usual private route at €246/month for entry ages 61–74, issued with a German and English certificate. Final acceptance always rests with the Ausländerbehörde." } }, { "@type": "Question", "name": "Can I bring only my mother, or only my father?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — an application can cover one parent or both. Each person needs their own insurance certificate in their own name; a single policy does not cover a second parent. If only one parent joins first, the second can normally apply later, but the premium is set by that person's entry age at their own contract start." } }, { "@type": "Question", "name": "My parent will be 63 — which age band applies?", "acceptedAnswer": { "@type": "Answer", "text": "The premium follows the entry age at contract start, not the current age. Ages 41–60 start at €68/month and ages 61–74 at €246/month for Care Expatriate Basic. Someone who is 63 at contract start falls in the 61–74 band. The band is then fixed for the whole contract term." } }, { "@type": "Question", "name": "My parent is 68 or 70 — can they still be insured?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Care Expatriate can normally be taken out up to entry age 74, so 68 and 70 are both inside the range. The premium is the 61–74 band at €246/month for Basic. After age 74 the tariff can no longer be started at all, which is why applications are usually not left late." } }, { "@type": "Question", "name": "Can parents join my German family insurance (Familienversicherung) for free?", "acceptedAnswer": { "@type": "Answer", "text": "Usually not. Free family insurance under § 10 SGB V covers spouses and children, not parents. Parents joining from abroad also cannot normally enter the statutory system through the KVdR 9/10 rule. Private long-stay incoming cover is therefore the standard route for a parent's residence permit." } }, { "@type": "Question", "name": "What does health insurance for parents in Germany cost per month?", "acceptedAnswer": { "@type": "Answer", "text": "For Care Expatriate Basic the entry-age bands are €68/month for ages 41–60 and €246/month for ages 61–74. Comfort and Premium tiers cost more and differ in the deductible. For short visits rather than a long stay, Care Economy starts at €30 per 30 days up to age 64." } }, { "@type": "Question", "name": "Does this work the same for parents from India, Turkey, China or other countries?", "acceptedAnswer": { "@type": "Answer", "text": "The insurance requirement itself does not change with nationality — the Ausländerbehörde expects the same proof for a parent from India, Turkey, China, Russia, Syria or anywhere else. What differs is the visa procedure at the local German mission, including appointment waiting times and document legalisation." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can my parents join my German statutory insurance (Familienversicherung)?", "text": "Can my parents join my German statutory insurance (Familienversicherung)?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "German statutory family insurance (§ 10 SGB V) normally covers spouses, registered partners and children if the legal requirements are met. Usually not through free family insurance. Parents of adult children are normally not included. A parent may enter statutory insurance only through a separate legal route — for example previous German statutory membership, employment, a German pension, EU coordination via an S1 form, or another qualifying status. In many parent-reunification cases the practical route is private long-term health insurance such as Care Expatriate from €68/month (ages 41–60) or €246/month (ages 61–74).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance does the embassy require for the parent-reunification visa?", "text": "Which insurance does the embassy require for the parent-reunification visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Economy (from €30 / 30 days for ages up to 64, from about €88.50 / 30 days for ages 65 and over) can be used as a visitor / short-stay bridge during the visa-application window. The embassy normally requires proof of valid health insurance for the entire planned stay. For a long-term move under § 36 AufenthG most missions expect ongoing private cover comparable to SGB V — Care Expatriate is a common route. Always check the responsible German mission's checklist; final acceptance depends on the authority.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does Care Expatriate cost for parents aged 65 and 70?", "text": "What does Care Expatriate cost for parents aged 65 and 70?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate Basic with €150 deductible costs from €246/month for ages 61–74. Comfort tier from €248/month, Premium with zero deductible from €432/month — all three tiers cover up to 5 years. Younger entry ages save significantly: from €68/month at ages 41–60. The premium is based on entry age at contract start, so applying before a higher age band starts can lower the monthly cost for the contract period.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is travel insurance enough for parent reunification in Germany?", "text": "Is travel insurance enough for parent reunification in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For a long-term national D-visa under family reunification (Elternnachzug, § 36 AufenthG), German missions typically require ongoing private health insurance comparable to SGB V — for example Care Expatriate. Usually not. Travel insurance, visitor insurance and EHIC are designed for short tourist stays or family visits. A short-trip travel policy may not be accepted at the embassy or by the Ausländerbehörde for a long-term residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do parents of EU Blue Card holders or skilled workers need?", "text": "What health insurance do parents of EU Blue Card holders or skilled workers need?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Parents and parents-in-law of Blue Card holders and skilled workers usually need long-term health insurance proof valid in Germany from day one of arrival. In many cases, private long-stay Incoming insurance such as Care Expatriate (from €133/month for age aged 61–74, S tier) is the practical route, because statutory family insurance (§ 10 SGB V) does not extend to parents and the KVdR 9/10 rule normally closes statutory cover. Final acceptance depends on the responsible German embassy and Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can parents-in-law join a skilled worker’s family in Germany?", "text": "Can parents-in-law join a skilled worker’s family in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes, in specific skilled-worker or Blue Card family situations, depending on the qualifying residence title and date of issue. The insurance requirements are typically the same as for biological parents: valid health insurance for Germany from arrival, suitable for a long-term stay (Care Expatriate from €246/month, ages 61–74). Always check the responsible German mission for the exact checklist.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is exceptional hardship under § 36(2) AufenthG?", "text": "What is exceptional hardship under § 36(2) AufenthG?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Outside the skilled-worker route under § 36(3) AufenthG, parents of adult children usually need to demonstrate “exceptional hardship” (außergewöhnliche Härte) under § 36(2) AufenthG to qualify for family reunification. This is a strict criteria-based test. Health insurance proof is still essential — typically long-term private cover from the first day of arrival, plus the hardship documentation. The final decision depends on the responsible authority.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What if my parent has diabetes, high blood pressure or another pre-existing condition?", "text": "What if my parent has diabetes, high blood pressure or another pre-existing condition?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Coverage of pre-existing conditions depends on tariff terms and individual medical review. We do not give medical advice and we cannot promise acceptance for any specific condition. For parents with diabetes, heart conditions, cancer history or other chronic illness we recommend checking insurance options early — well before the embassy appointment — so there is time for underwriting questions or alternative tariff choices.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the insurance certificate need to be in German or English?", "text": "Does the insurance certificate need to be in German or English?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): German missions usually accept insurance certificates in German or English. Certificates from German insurers such as HanseMerkur (Care Expatriate, Care Economy) are typically issued bilingually. The exact language and document checklist depends on the responsible German embassy or consulate, so check before your appointment.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the difference between parent visit insurance and parent reunification insurance?", "text": "What is the difference between parent visit insurance and parent reunification insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Parent visit insurance is for temporary stays, tourism or short family visits — typically up to 90 days and often a Schengen-style policy. Parent reunification insurance is for a long-term residence route under § 36 AufenthG and usually needs stronger long-term proof, comparable to SGB V cover, valid from the first day of the stay.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance for parents in Germany cost?", "text": "How much does health insurance for parents in Germany cost?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For visitor / short-stay cover, Care Economy starts from €30 / 30 days (ages up to 64) and from about €88.50 / 30 days (ages 65 and over). For long-term parent reunification, Care Expatriate starts from €68/month (ages 41–60) and from €246/month (61–74), Comfort from €248/month, Premium with zero deductible from €432/month. Final pricing depends on age, tariff tier, deductible and duration.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do parents over 60, 65 or 70 need in Germany?", "text": "What health insurance do parents over 60, 65 or 70 need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate accepts entry up to age 74 and runs up to 5 years per contract. Older parents typically need a private long-stay solution because statutory cover is usually closed. Pre-existing conditions, deductible level and tier choice should be checked early. The responsible authority decides on final acceptance of the insurance proof.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What should the insurance certificate show for the embassy and Ausländerbehörde?", "text": "What should the insurance certificate show for the embassy and Ausländerbehörde?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "A strong certificate normally shows the parent's full name and date of birth, the insurer and policy number, the start date and full coverage period, Germany validity, outpatient and inpatient benefits, hospital and emergency cover, medically necessary repatriation where applicable, the deductible, and a statement that the policy is suitable for a long-term stay (national D-visa or Aufenthaltserlaubnis). The exact checklist varies by mission and Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do parents from India, Pakistan or China need?", "text": "What health insurance do parents from India, Pakistan or China need?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): The German insurance requirement does not depend on nationality. It depends on the residence route, age, medical history and length of stay. For parents from India, Pakistan, China, Turkey, Iran, Egypt, Bangladesh, Morocco, Tunisia, Ukraine, Russia, Nepal, Nigeria or Cameroon, the practical route for long-term parent reunification is usually private long-stay cover such as Care Expatriate, while a short visit may be covered by visitor / Schengen insurance.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does parent reunification health insurance cost in Germany over 5 years?", "text": "How much does parent reunification health insurance cost in Germany over 5 years?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate at the Basic tier for entry age 61–74 costs €2,952 over 12 months and €14,760 over 60 months in total. The monthly premium is locked at the entry-age band for the full contract length and does not increase annually. Comfort and Premium tiers are higher; the Premium tier with zero deductible totals about €25,920 over 60 months for the same age band.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the total cost of a 5-year Care Expatriate contract for parents in Germany?", "text": "What is the total cost of a 5-year Care Expatriate contract for parents in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For an entry age between 61 and 74, the 5-year (60-month) total cost ranges from €14,760 at the Basic tier (€150 deductible) to about €25,920 at the Premium tier with zero deductible. The premium is fixed at the entry-age band when the contract is signed, so the total is predictable from day one.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do parents need for family reunion in Germany?", "text": "What health insurance do parents need for family reunion in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Parents joining their children in Germany (Elternnachzug / family reunification) typically need health insurance recognized by the immigration office. Options include incoming insurance for transition coverage (from €30/30 days) or long-term private insurance like Care Expatriate (from €246/month for ages 61–74). The insurance certificate is required for the visa application.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is there an age limit for health insurance for elderly parents moving to Germany?", "text": "Is there an age limit for health insurance for elderly parents moving to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No. Both Care Economy and Care Expatriate cover persons up to age 74. There is no blanket rejection based on age. Insurance premiums increase with age but are transparently structured by age group: 41–60, 61–74. Proof of insurance is provided instantly via email.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What documents does the German embassy require for parent visa health insurance?", "text": "What documents does the German embassy require for parent visa health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The embassy typically requires: an insurance certificate with coverage details (outpatient, inpatient, medical repatriation), validity period, geographic coverage area (Germany/Schengen), and the insurer's name and contact. A printed PDF is generally accepted. Care Economy and Care Expatriate provide instant PDF proof of insurance via email.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "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": "2026-09-13", "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/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "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": "2026-09-13", "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/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "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": "2026-09-13", "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/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "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": "2026-09-13", "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/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is parent reunification the same as family reunion or family reunification?", "text": "Is parent reunification the same as family reunion or family reunification?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "They describe the same route with different wording. \"Family reunification\" (Familiennachzug) is the general legal category; \"parent reunification\" (Elternnachzug) is the specific case where adult children bring a parent. A \"family reunion visa\" is the visa applied for at the German mission. Whichever term you searched for, the insurance requirement is the same: proof of cover valid in Germany for the whole planned stay.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do I bring my parents to Germany and what insurance do they need?", "text": "How do I bring my parents to Germany and what insurance do they need?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "To bring parents to Germany on a long stay, each parent normally needs their own health insurance proof for the residence permit under § 5 AufenthG. Care Expatriate is the usual private route at €246/month for entry ages 61–74, issued with a German and English certificate. Final acceptance always rests with the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I bring only my mother, or only my father?", "text": "Can I bring only my mother, or only my father?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — an application can cover one parent or both. Each person needs their own insurance certificate in their own name; a single policy does not cover a second parent. If only one parent joins first, the second can normally apply later, but the premium is set by that person's entry age at their own contract start.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "My parent will be 63 — which age band applies?", "text": "My parent will be 63 — which age band applies?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The premium follows the entry age at contract start, not the current age. Ages 41–60 start at €68/month and ages 61–74 at €246/month for Care Expatriate Basic. Someone who is 63 at contract start falls in the 61–74 band. The band is then fixed for the whole contract term.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "My parent is 68 or 70 — can they still be insured?", "text": "My parent is 68 or 70 — can they still be insured?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Care Expatriate can normally be taken out up to entry age 74, so 68 and 70 are both inside the range. The premium is the 61–74 band at €246/month for Basic. After age 74 the tariff can no longer be started at all, which is why applications are usually not left late.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can parents join my German family insurance (Familienversicherung) for free?", "text": "Can parents join my German family insurance (Familienversicherung) for free?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Usually not. Free family insurance under § 10 SGB V covers spouses and children, not parents. Parents joining from abroad also cannot normally enter the statutory system through the KVdR 9/10 rule. Private long-stay incoming cover is therefore the standard route for a parent's residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does health insurance for parents in Germany cost per month?", "text": "What does health insurance for parents in Germany cost per month?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For Care Expatriate Basic the entry-age bands are €68/month for ages 41–60 and €246/month for ages 61–74. Comfort and Premium tiers cost more and differ in the deductible. For short visits rather than a long stay, Care Economy starts at €30 per 30 days up to age 64.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does this work the same for parents from India, Turkey, China or other countries?", "text": "Does this work the same for parents from India, Turkey, China or other countries?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The insurance requirement itself does not change with nationality — the Ausländerbehörde expects the same proof for a parent from India, Turkey, China, Russia, Syria or anywhere else. What differs is the visa procedure at the local German mission, including appointment waiting times and document legalisation.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-13", "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. Parent Reunification Health Insurance for Germany # Parent Reunification: Health Insurance for Foreign Parents in Germany Entry age 41–60: from €68/month Entry age 61–74: from €246/month Sources: § 36 AufenthG · § 5 AufenthG · § 5 / § 10 SGB V · HanseMerkur AVB ![Parent reunification (Elternnachzug) health insurance Germany — Care Expatriate for elderly parents and parents-in-law of Blue Card holders and skilled workers](/assets/paar-kaffee-gespraech-cafe-DrRN9S_i.jpg) **Parent reunification (Elternnachzug) under § 36 AufenthG requires proof of health insurance before the embassy issues the visa.** Statutory cover is closed: the KVdR 9/10 rule (§ 5 Abs. 1 Nr. 11 SGB V) excludes parents who never worked in Germany, and Familienversicherung (§ 10 SGB V) does not extend to parents. The recognised long-term route is [Care Expatriate from €68/month (ages 41–60) · €246/month (ages 61–74)](/en/insurance-plans/care-expatriate/overview/) — designed for the § 5 AufenthG livelihood requirement and for the residence-permit file at the Ausländerbehörde, whether the applicant is a mother, father or parent-in-law of a skilled worker or EU Blue Card holder. Final acceptance always depends on the responsible authority. Two phases, two tariffs: for the visa-application bridge use [Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) (up to age 64; from €88.50 / 30 days for ages 65 and over) — designed for short family visits and the visa-application bridge. Final acceptance depends on the responsible German embassy or consulate. After arrival, switch before the 2-year Care Economy cap to [Care Expatriate up to 5 years](/en/insurance-plans/care-expatriate/overview/) for the long-term residence permit. PDF certificate by email after a successful application — often quickly enough for urgent document preparation. Do not wait until the embassy appointment if medical history or authority questions may need review. The same two-phase route typically applies to parents-in-law and to Blue Card / skilled-worker family files. Below: when § 36 AufenthG actually applies (and the strict "exceptional hardship" test that trips most families), why the entry-age band makes signing before the 61st birthday the largest single cost-saver, the four Care Expatriate tiers with full age tables, and the embassy-document checklist that prevents a refused visa appointment. 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 13, 2026** Sources§ 36 AufenthG · § 5 AufenthG · § 5 SGB V (KVdR 9/10) · § 10 SGB V (Familienversicherung) · HanseMerkur AVB · DKG-Krankenhausstatistik 2024 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Parents joining you in Germany? Prepare embassy-ready insurance proof today. [Care Expatriate from €68/month (41–60) · from €246/month (61–74) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (visitor / short-stay 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 ## What is parent reunification health insurance? Parent reunification health insurance is health insurance for a mother, father or parent-in-law who wants to join an adult child in Germany for a long-term stay. It is different from visitor insurance because the parent may need proof for a national visa, residence permit and Ausländerbehörde appointment. ## Parent visit or parent reunification? A short parent visit is not the same as parent reunification. For a visit of a few weeks or up to 90 days, visitor or Schengen-style insurance may be enough. For a long-term move, family reunification or a residence permit, German missions usually require stronger long-term health-insurance proof. Situation Better insurance direction Parent visits Germany for up to 90 days Schengen / visitor health insurance Parent stays several months but not permanently Visitor or incoming insurance, depending on stay length Parent applies for family reunification (national D-visa) Long-term private health insurance proof (e.g. Care Expatriate) Parent of an EU Blue Card holder or skilled worker (§ 36(3) AufenthG) Long-term proof under the parent-reunification route Parent is over 60 or retired Private long-stay senior insurance — check entry-age and pre-existing conditions early 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 - Parent reunification (Elternnachzug, § 36 AufenthG) splits into two routes: § 36(3) for parents and parents-in-law of certain skilled workers and EU Blue Card holders, and § 36(2) for the strict 'exceptional hardship' route. In every case the embassy verifies health-insurance proof before issuing the visa. - Two-phase tariff route: Care Economy from €30 / 30 days (ages up to 64) or from about €88.50 / 30 days (ages 65 and over) as a visitor / short-stay bridge → switch to Care Expatriate from €68/month (ages 41–60) or €246/month (ages 61–74) for the long-term residence permit. - Statutory family insurance (§ 10 SGB V) normally covers spouses, registered partners and children — not parents of adult children. Parents enter statutory insurance only via a separate qualifying route (prior German statutory membership, employment, German pension, EU coordination via S1 form, or another qualifying status). For most parent-reunification cases, private long-term cover such as Care Expatriate is the practical route. Key facts at a glance Reviewed September 13, 2026 - **§ 36 AufenthG (parent reunification):** § 36 AufenthG covers two distinct routes: § 36(2) requires 'exceptional hardship' (außergewöhnliche Härte) for parents of adult children outside the skilled-worker route, while § 36(3) can allow parents and parents-in-law of certain EU Blue Card holders and skilled workers to join if the legal conditions are met. In every case the embassy verifies financial sponsorship, housing and mandatory health-insurance proof before issuing the visa. (Source: § 36 AufenthG · BAMF). - **Familienversicherung normally does not cover parents:** § 10 SGB V family insurance normally covers spouses, registered partners and children — parents of adult children are normally not included. Combined with the closed KVdR 9/10 rule (§ 5 SGB V), private Care Expatriate is the standard long-term solution in many cases. (Source: § 10 SGB V · § 5 Abs. 1 Nr. 11 SGB V). - **Care Expatriate retiree pricing (entry-age locked):** Ages 41–60: from €68/month (Basic, €150 deductible). Ages 61–74: from €246/month — Comfort from €248, Premium with zero deductible from €432. Up to 5 years per contract, 3 tiers (Basic/Comfort/Premium). The premium is based on entry age at contract start; because Care Expatriate runs up to 5 years, applying before a higher age band starts can reduce the monthly premium for that contract period. (Source: Care Expatriate AVB · HanseMerkur Versicherungsgruppe Hamburg). - **German hospital cost without cover:** A standard inpatient day in Germany averages €830 (DKG 2024). For an unprotected senior parent a single hospital stay can wipe out the entire family sponsorship reserve — Care Expatriate from €246/month can reduce the uninsured cost risk, subject to policy terms, exclusions and benefit limits. (Source: DKG-Krankenhausstatistik 2024 · Statistisches Bundesamt). - **Visit vs reunification — what the embassy actually checks:** For a short family visit, visitor insurance or a Schengen-style policy is usually enough. For a long-term national D-visa under family reunification, German missions typically require ongoing private health insurance comparable to SGB V — travel insurance and EHIC are usually not accepted as proof for a long-term stay. (Source: Auswärtiges Amt — health insurance in the national visa procedure). - **Pre-existing conditions and senior age bands:** Coverage of pre-existing conditions (diabetes, high blood pressure, heart disease, cancer history, chronic medication) depends on tariff terms and individual medical review. Acceptance, exclusions and entry age limits vary by tariff — we recommend checking insurance options early, well before the embassy appointment. (Source: HanseMerkur AVB · Care Concept AG). ## Which mistakes delay a parent-reunification visa? **Quick answer:** "Why was the visa rejected?" — most parent-reunification files stumble on one of four points: assumed Familienversicherung would extend to parents (it does not — § 10 SGB V is limited to spouses and children), relied on short-term travel insurance for a long-term residence case, which may not be accepted as sufficient proof, forgot to sign Care Expatriate before the parent's 61st birthday (entry-age band lock), or arrived with Care Economy and forgot to switch before the 2-year cap expired. Two further common mistakes: assuming parents-in-law follow a different rule than biological parents (the insurance requirements are usually the same), and choosing the cheapest policy without checking whether it is suitable for a long-term stay and accepted by the responsible Ausländerbehörde. ## 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 happens if parents arrive uninsured? ## 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. ## Parent about to turn 61? The premium band changes — sign before the birthday ## 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. ### Embassy certificate checklist — what a strong parent-reunification proof should usually show - Full name and date of birth of the insured parent (or parent-in-law) - Insurance provider, policy number and country of issue - Start date and full coverage period (covering the planned stay in Germany) - Coverage area: Germany validity and, where relevant, all Schengen states - Medical benefits: outpatient and inpatient treatment, hospital stay, emergency treatment - Medically necessary repatriation (where applicable) - Deductible / excess clearly stated - Statement that the policy is suitable for a long-term stay (national D-visa / Aufenthaltserlaubnis) The exact checklist varies by German mission and Ausländerbehörde. Always confirm with the responsible German embassy or consulate before the appointment. ### Anonymised case notes — parent-reunification insurance in practice - **Mother, 63, Blue Card daughter (Munich).** Initially booked travel insurance for the visa appointment. The embassy requested long-term health insurance proof for the planned long-stay residence permit. Family switched to Care Expatriate before the appointment — visa file accepted on the next slot. Lesson: travel insurance is usually not enough for parent reunification. - **Father, 71, exceptional-hardship route under § 36(2) AufenthG.** Pre-existing diabetes type 2 and hypertension. Insurer review confirmed eligibility under standard tariff terms (no medical promise, criteria-based). Family kept a Care Economy bridge during the longer embassy waiting time. Lesson: check insurance options early when chronic illness is involved. - **Parents-in-law, 58 + 60, skilled-worker sponsor (Frankfurt).** Both signed Care Expatriate before the older parent’s 61st birthday, so the lower entry-age band applied for that contract period. Lesson: timing of the contract relative to the age band can be the largest single cost-saver. Cases anonymised. No personal data. Outcomes depend on the individual file and the responsible authority. We do not promise acceptance for any specific situation. ## What families say about Care Expatriate for parent reunification (Elternnachzug) 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 parent reunification in Germany 🎯 Standard · long-term parent 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 🛟 Visitor / temporary bridge cover ### 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 Situation Typical insurance route Parent visits Germany for up to 90 days (family visit, tourism) Visitor / Schengen health insurance (e.g. Care Visa Protect) Parent applies for long-term family reunification (national D-visa) Long-term private health insurance proof for Germany — typically Care Economy bridge → Care Expatriate Parent of an EU Blue Card holder or skilled worker (§ 36(3) AufenthG) Long-term Incoming insurance suitable for residence permit; Care Expatriate is the standard route in many cases Parent-in-law joining a skilled worker’s family Same long-term private route as biological parents in many cases — confirm with the responsible German mission Parent under exceptional hardship (§ 36(2) AufenthG) Long-term private health insurance proof plus hardship documentation; final decision depends on the responsible authority Parent is retired or aged 60+ / 65+ / 70+ Private long-stay senior insurance is usually relevant — check entry age, pre-existing conditions and deductible early Indicative routing only. Final acceptance depends on the residence route, age, medical history and the responsible German embassy or Ausländerbehörde. Comparing GKV vs. private for retirees in general? [Statutory or private for foreign retirees](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/). Need the deeper guide on entry-age locking and the four tier choices? [Long-term seniors guide (Care Expatriate by tier)](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-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 parent-reunification pricing (entry-age locked): ages 41–60 from €68/month (Basic, €150 deductible); ages 61–74 from €246/month — Comfort from €248, Premium with zero deductible from €432. All three tiers cover up to 5 years. 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/) ## Care Economy — visa-application bridge price table Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ## Which health insurance do parents of skilled workers and EU Blue Card holders need (§ 36(3) AufenthG)? Certain skilled workers and EU Blue Card holders may be able to bring parents or parents-in-law to Germany if the legal conditions are met. In these cases, health insurance proof is part of the file because the parent or parent-in-law must show secured livelihood, including sufficient health and long-term care insurance from their own resources. Statutory family insurance (§ 10 SGB V) does not extend to parents of adult children, so private long-stay Incoming insurance such as Care Expatriate is the practical route in many cases. Final acceptance depends on the responsible German embassy or Ausländerbehörde. - Was the sponsor’s qualifying residence title first issued after 1 March 2024? - Is the parent or parent-in-law applying for a long-term stay (national D-visa, residence permit)? - Is statutory health insurance realistically available for the parent, or is private cover the only option? - Does the responsible German embassy or Ausländerbehörde require private long-term proof? - Is the parent within the entry-age range for the intended tariff (Care Expatriate up to age 74)? - Are pre-existing conditions, current medication or medical history relevant for the underwriting? ## When does exceptional hardship allow parent reunification (§ 36(2) AufenthG)? Outside the skilled-worker or EU Blue Card parent route, parents of adult children usually face a much harder path. In many cases, parent reunification is only possible by demonstrating an **"exceptional hardship" (außergewöhnliche Härte)** argument under § 36(2) AufenthG. This route normally requires strong documentation. Health insurance proof is still essential, because the parent typically needs valid cover from the first day of the stay in Germany. The final decision depends on the responsible authority. ## Why travel insurance may not be enough for parent reunification Travel insurance and visitor insurance can be useful for short family visits up to 90 days. But for parent reunification, residence-permit cases or long-term stays, short-term travel insurance may not be accepted as sufficient long-term proof. German missions typically ask for ongoing private health insurance comparable to SGB V. Always check the embassy or Ausländerbehörde checklist before relying on visitor insurance for a long-stay file. ## Can parents join free statutory family insurance in Germany? **Quick answer:** **Usually not.** German statutory family insurance (§ 10 SGB V) typically covers spouses, registered partners and children — not the parents of an adult child. For a family reunification visa or a residence permit, each parent therefore normally needs their own proof of health insurance, often private long-stay cover such as Care Expatriate from €246/month at ages 61–74, Basic tier (example). Many sponsors assume they can simply add their mother or father to their German public health insurance. In most cases, this is not possible. German statutory family insurance (§ 10 SGB V) usually applies to spouses, registered partners and children if the legal requirements are met. Parents of adult children are normally not part of this free family-insurance route. For parent reunification, this means the parent usually needs their own health insurance unless a separate qualifying statutory route applies — for example previous German statutory membership, employment, a German pension, EU coordination via an S1 form, or another qualifying status. ## When can Care Expatriate fit a parent reunification case? Care Expatriate can be relevant when a parent, parent-in-law or foreign retiree needs private long-term health insurance for Germany and the stay is planned for several months or years. - Entry age up to 74 - Duration from 3 months to 5 years per contract - From €68/month for ages 41–60 (Basic, €150 deductible) - From €246/month for ages 61–74 - PDF certificate by email after applying — usable for the embassy and Ausländerbehörde file - Useful for many visa, residence-permit and long-term stay situations — final acceptance depends on the responsible authority [Check Care Expatriate prices](/en/insurance-plans/care-expatriate/overview/)[Apply online](/en/insurance-plans/care-expatriate/apply/) ## What does health insurance for parents in Germany cost? **Quick answer:** **For a parent visa Germany case in the 61–74 age band, long-stay cover typically starts at €246/month with Care Expatriate Basic (example).** Younger parents at ages 41–60 usually start from €68/month. The price is set by the entry-age band at contract start, so the month of application often matters more than the tariff tier. The cost of health insurance for parents in Germany depends mainly on age, duration, deductible, tariff tier and whether the stay is temporary or long-term. Visitor cover can be much cheaper than long-term parent-reunification insurance. For parents over 60, 65 or 70, private long-stay insurance can become significantly more expensive, so age bands should be checked before the visa process starts. ### Health insurance cost for parents in Germany — total over 12 months, 24 months and 5 years How much does parent reunification insurance cost in Germany over the full residence permit period? At the Basic tier for entry age 61–74, the long-term health insurance cost for parents in Germany is €2,952 for 12 months and €14,760 for 60 months — the premium is locked at the entry-age band for the entire contract, with no annual increases. The reason the total cost over 5 years matters is that residence permit insurance for parents in Germany must usually cover the full stay, not just the visa appointment. So the realistic comparison is the total cost of a long-stay health insurance contract for parents versus the open-ended financial exposure of going without long-term cover, where a single hospital stay in Germany averages €5,000–€15,000 and a serious surgery can exceed €100,000. Option Total cost over 12 months Total cost over 60 months (5 years) Accepted as residence permit insurance proof for parent reunification? No long-term health insurance — pay each medical bill out of pocket €0–€15,000+ depending on usage €0–€100,000+ in the worst case No — Ausländerbehörde will typically refuse the application Short-term travel insurance for parents in Germany ~€500–€1,000 Usually not extendable past 90 days at this price Frequently refused for long-stay residence permits Care Expatriate Basic — long-term health insurance for parents 61–74 €2,952 €14,760 (premium locked at entry age) Yes — designed for § 5 AufenthG proof for parent reunification Illustrative figures based on Care Expatriate Basic tier, entry age 61–74, €150 deductible. Final premium depends on tariff tier, deductible, age and duration. Out-of-pocket figures are illustrative ranges, not guarantees of actual cost. ## 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). ## Can parents with pre-existing conditions get health insurance? **Quick answer:** **Pre-existing conditions are assessed individually and can lead to exclusions, so nothing here is a promise of cover.** Families typically apply early, before the immigration office appointment, so there is time for medical questions or a different tariff tier. We give no medical advice and cannot confirm acceptance for any specific condition. Many parent-reunification cases involve medical history such as diabetes, high blood pressure, heart disease, cancer history, surgery or regular medication. Pre-existing conditions can affect coverage, exclusions, underwriting and acceptance. Families should check the policy terms before applying and should not choose insurance only by price. ## Parent reunification insurance proof in 3 steps 1. **Clarify the stay purpose.** Short family visit, temporary bridge phase, parent reunification, parents-in-law route, EU Blue Card / skilled-worker route or exceptional-hardship case under § 36(2) AufenthG. 2. **Choose the insurance direction.** Visitor or incoming insurance may fit short stays. Long-term parent reunification usually needs long-term private health insurance proof (typically Care Expatriate). 3. **Prepare the certificate.** Check name, date of birth, insurance start date, full coverage period, Germany validity, outpatient and inpatient benefits, deductible and whether the certificate matches the responsible embassy or Ausländerbehörde checklist. ## Which health insurance do parents from India, Pakistan or China need? The German insurance requirement does not depend on the parent’s nationality — it depends on the residence route, age, medical history and length of stay. The country of origin still matters for the embassy process and for searching the right product. Parent’s origin What to prepare India Health insurance for Indian parents in Germany — clarify whether this is a short visit, Blue Card / skilled-worker parent reunification or exceptional-hardship case; prepare long-term insurance proof early for permanent moves. Pakistan Health insurance for Pakistani parents in Germany — compare visitor insurance and long-term parent-reunification insurance before the embassy appointment. China Health insurance for Chinese parents in Germany — for permanent relocation, prepare private long-stay insurance proof rather than simple travel insurance. Turkey Health insurance for Turkish parents in Germany — clarify whether statutory coverage, social-security coordination or private long-stay cover applies. Iran Health insurance for Iranian parents in Germany — prepare long-term insurance proof and medical-history information before submitting the visa file. Syria Health insurance for Syrian parents in Germany — check the residence route, family-reunification eligibility and continuous health-insurance proof. Egypt Health insurance for Egyptian parents in Germany — for long-term reunification, use insurance proof suitable for the embassy and Ausländerbehörde. Bangladesh Health insurance for Bangladeshi parents in Germany — short-term travel insurance alone is usually not enough for a long-term stay. Morocco Health insurance for Moroccan parents in Germany — distinguish short family visit from permanent parent reunification before choosing a tariff. Tunisia Health insurance for Tunisian parents in Germany — prepare proof based on age, length of stay, residence route and medical history. Ukraine Health insurance for Ukrainian parents in Germany — check current residence status and whether public or private insurance applies. Russia Health insurance for Russian parents in Germany — prepare private health insurance proof for a long-term stay; the visa checklist may require detailed certificate wording. Nepal Health insurance for Nepalese parents in Germany — clarify whether the parent is visiting temporarily or applying for long-term reunification. Nigeria Health insurance for Nigerian parents in Germany — prepare embassy-ready insurance proof before the visa file is complete. Cameroon Health insurance for Cameroonian parents in Germany — check whether visitor insurance or long-term parent-reunification insurance is needed. ## Frequently Asked Questions Can my parents join my German statutory insurance (Familienversicherung)? German statutory family insurance (§ 10 SGB V) normally covers spouses, registered partners and children if the legal requirements are met. Usually not through free family insurance. Parents of adult children are normally not included. A parent may enter statutory insurance only through a separate legal route — for example previous German statutory membership, employment, a German pension, EU coordination via an S1 form, or another qualifying status. In many parent-reunification cases the practical route is private long-term health insurance such as Care Expatriate from €68/month (ages 41–60) or €246/month (ages 61–74). Which insurance does the embassy require for the parent-reunification visa? Care Economy (from €30 / 30 days for ages up to 64, from about €88.50 / 30 days for ages 65 and over) can be used as a visitor / short-stay bridge during the visa-application window. The embassy normally requires proof of valid health insurance for the entire planned stay. For a long-term move under § 36 AufenthG most missions expect ongoing private cover comparable to SGB V — Care Expatriate is a common route. Always check the responsible German mission's checklist; final acceptance depends on the authority. What does Care Expatriate cost for parents aged 65 and 70? Care Expatriate Basic with €150 deductible costs from €246/month for ages 61–74. Comfort tier from €248/month, Premium with zero deductible from €432/month — all three tiers cover up to 5 years. Younger entry ages save significantly: from €68/month at ages 41–60. The premium is based on entry age at contract start, so applying before a higher age band starts can lower the monthly cost for the contract period. Is travel insurance enough for parent reunification in Germany? For a long-term national D-visa under family reunification (Elternnachzug, § 36 AufenthG), German missions typically require ongoing private health insurance comparable to SGB V — for example Care Expatriate. Usually not. Travel insurance, visitor insurance and EHIC are designed for short tourist stays or family visits. A short-trip travel policy may not be accepted at the embassy or by the Ausländerbehörde for a long-term residence permit. What health insurance do parents of EU Blue Card holders or skilled workers need? Parents and parents-in-law of Blue Card holders and skilled workers usually need long-term health insurance proof valid in Germany from day one of arrival. In many cases, private long-stay Incoming insurance such as Care Expatriate (from €133/month for age aged 61–74, S tier) is the practical route, because statutory family insurance (§ 10 SGB V) does not extend to parents and the KVdR 9/10 rule normally closes statutory cover. Final acceptance depends on the responsible German embassy and Ausländerbehörde. Can parents-in-law join a skilled worker’s family in Germany? Yes, in specific skilled-worker or Blue Card family situations, depending on the qualifying residence title and date of issue. The insurance requirements are typically the same as for biological parents: valid health insurance for Germany from arrival, suitable for a long-term stay (Care Expatriate from €246/month, ages 61–74). Always check the responsible German mission for the exact checklist. What is exceptional hardship under § 36(2) AufenthG? Outside the skilled-worker route under § 36(3) AufenthG, parents of adult children usually need to demonstrate “exceptional hardship” (außergewöhnliche Härte) under § 36(2) AufenthG to qualify for family reunification. This is a strict criteria-based test. Health insurance proof is still essential — typically long-term private cover from the first day of arrival, plus the hardship documentation. The final decision depends on the responsible authority. What if my parent has diabetes, high blood pressure or another pre-existing condition? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Coverage of pre-existing conditions depends on tariff terms and individual medical review. We do not give medical advice and we cannot promise acceptance for any specific condition. For parents with diabetes, heart conditions, cancer history or other chronic illness we recommend checking insurance options early — well before the embassy appointment — so there is time for underwriting questions or alternative tariff choices. Does the insurance certificate need to be in German or English? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): German missions usually accept insurance certificates in German or English. Certificates from German insurers such as HanseMerkur (Care Expatriate, Care Economy) are typically issued bilingually. The exact language and document checklist depends on the responsible German embassy or consulate, so check before your appointment. What is the difference between parent visit insurance and parent reunification insurance? Parent visit insurance is for temporary stays, tourism or short family visits — typically up to 90 days and often a Schengen-style policy. Parent reunification insurance is for a long-term residence route under § 36 AufenthG and usually needs stronger long-term proof, comparable to SGB V cover, valid from the first day of the stay. How much does health insurance for parents in Germany cost? For visitor / short-stay cover, Care Economy starts from €30 / 30 days (ages up to 64) and from about €88.50 / 30 days (ages 65 and over). For long-term parent reunification, Care Expatriate starts from €68/month (ages 41–60) and from €246/month (61–74), Comfort from €248/month, Premium with zero deductible from €432/month. Final pricing depends on age, tariff tier, deductible and duration. What health insurance do parents over 60, 65 or 70 need in Germany? Care Expatriate accepts entry up to age 74 and runs up to 5 years per contract. Older parents typically need a private long-stay solution because statutory cover is usually closed. Pre-existing conditions, deductible level and tier choice should be checked early. The responsible authority decides on final acceptance of the insurance proof. What should the insurance certificate show for the embassy and Ausländerbehörde? A strong certificate normally shows the parent's full name and date of birth, the insurer and policy number, the start date and full coverage period, Germany validity, outpatient and inpatient benefits, hospital and emergency cover, medically necessary repatriation where applicable, the deductible, and a statement that the policy is suitable for a long-term stay (national D-visa or Aufenthaltserlaubnis). The exact checklist varies by mission and Ausländerbehörde. What health insurance do parents from India, Pakistan or China need? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): The German insurance requirement does not depend on nationality. It depends on the residence route, age, medical history and length of stay. For parents from India, Pakistan, China, Turkey, Iran, Egypt, Bangladesh, Morocco, Tunisia, Ukraine, Russia, Nepal, Nigeria or Cameroon, the practical route for long-term parent reunification is usually private long-stay cover such as Care Expatriate, while a short visit may be covered by visitor / Schengen insurance. How much does parent reunification health insurance cost in Germany over 5 years? Care Expatriate at the Basic tier for entry age 61–74 costs €2,952 over 12 months and €14,760 over 60 months in total. The monthly premium is locked at the entry-age band for the full contract length and does not increase annually. Comfort and Premium tiers are higher; the Premium tier with zero deductible totals about €25,920 over 60 months for the same age band. What is the total cost of a 5-year Care Expatriate contract for parents in Germany? For an entry age between 61 and 74, the 5-year (60-month) total cost ranges from €14,760 at the Basic tier (€150 deductible) to about €25,920 at the Premium tier with zero deductible. The premium is fixed at the entry-age band when the contract is signed, so the total is predictable from day one. What health insurance do parents need for family reunion in Germany? Parents joining their children in Germany (Elternnachzug / family reunification) typically need health insurance recognized by the immigration office. Options include incoming insurance for transition coverage (from €30/30 days) or long-term private insurance like [Care Expatriate](/en/insurance-plans/care-expatriate/overview/) (from €246/month for ages 61–74). The insurance certificate is required for the visa application. Is there an age limit for health insurance for elderly parents moving to Germany? No. Both Care Economy and Care Expatriate cover persons up to age 74. There is no blanket rejection based on age. Insurance premiums increase with age but are transparently structured by age group: 41–60, 61–74. Proof of insurance is provided instantly via email. What documents does the German embassy require for parent visa health insurance? The embassy typically requires: an insurance certificate with coverage details (outpatient, inpatient, medical repatriation), validity period, geographic coverage area (Germany/Schengen), and the insurer's name and contact. A printed PDF is generally accepted. [Care Economy](/en/insurance-plans/care-economy/overview/) and Care Expatriate provide instant PDF proof of insurance via email. 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). Is parent reunification the same as family reunion or family reunification? They describe the same route with different wording. "Family reunification" (Familiennachzug) is the general legal category; "parent reunification" (Elternnachzug) is the specific case where adult children bring a parent. A "family reunion visa" is the visa applied for at the German mission. Whichever term you searched for, the insurance requirement is the same: proof of cover valid in Germany for the whole planned stay. How do I bring my parents to Germany and what insurance do they need? To bring parents to Germany on a long stay, each parent normally needs their own health insurance proof for the residence permit under § 5 AufenthG. Care Expatriate is the usual private route at €246/month for entry ages 61–74, issued with a German and English certificate. Final acceptance always rests with the Ausländerbehörde. Can I bring only my mother, or only my father? Yes — an application can cover one parent or both. Each person needs their own insurance certificate in their own name; a single policy does not cover a second parent. If only one parent joins first, the second can normally apply later, but the premium is set by that person's entry age at their own contract start. My parent will be 63 — which age band applies? The premium follows the entry age at contract start, not the current age. Ages 41–60 start at €68/month and ages 61–74 at €246/month for Care Expatriate Basic. Someone who is 63 at contract start falls in the 61–74 band. The band is then fixed for the whole contract term. My parent is 68 or 70 — can they still be insured? Yes. Care Expatriate can normally be taken out up to entry age 74, so 68 and 70 are both inside the range. The premium is the 61–74 band at €246/month for Basic. After age 74 the tariff can no longer be started at all, which is why applications are usually not left late. Can parents join my German family insurance (Familienversicherung) for free? Usually not. Free family insurance under § 10 SGB V covers spouses and children, not parents. Parents joining from abroad also cannot normally enter the statutory system through the KVdR 9/10 rule. Private long-stay incoming cover is therefore the standard route for a parent's residence permit. What does health insurance for parents in Germany cost per month? For Care Expatriate Basic the entry-age bands are €68/month for ages 41–60 and €246/month for ages 61–74. Comfort and Premium tiers cost more and differ in the deductible. For short visits rather than a long stay, Care Economy starts at €30 per 30 days up to age 64. Does this work the same for parents from India, Turkey, China or other countries? The insurance requirement itself does not change with nationality — the Ausländerbehörde expects the same proof for a parent from India, Turkey, China, Russia, Syria or anywhere else. What differs is the visa procedure at the local German mission, including appointment waiting times and document legalisation. ### Primary sources - [Residence Act (AufenthG), official English text — § 5, § 36(2), § 36(3)](https://www.gesetze-im-internet.de/englisch_aufenthg/englisch_aufenthg.html) (gesetze-im-internet.de) - [§ 10 SGB V — scope of statutory family insurance (Familienversicherung)](https://www.sozialgesetzbuch-sgb.de/sgbv/10.html) (sozialgesetzbuch-sgb.de) - [Federal Foreign Office — health insurance in the national visa procedure](https://dakar.diplo.de/sn-en/service/visa/2752586-2752586) (German mission guidance) This page is editorial information, not legal advice. Final document and acceptance requirements depend on the responsible German embassy, consulate or Ausländerbehörde. [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 13, 2026.