--- title: "From €58/mo · Freelancer Health Insurance Germany 2026" description: "Health insurance for foreign freelancers & self-employed in Germany — Care Expatriate from €58/month, accepted under § 5 AufenthG for residence permits & Finanzamt." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health Insurance for Foreign Freelancers & Self-Employed in Germany — from €58/month", "description": "Health insurance for foreign freelancers & self-employed in Germany — Care Expatriate from €58/month, accepted under § 5 AufenthG for residence permits & Finanzamt.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-05", "dateModified": "2026-09-09", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-self-employed-and-freelancers-in-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Bundesagentur für Arbeit", "url": "https://en.wikipedia.org/wiki/Federal_Employment_Agency" }, { "@type": "Thing", "name": "Ausländerbehörde", "url": "https://en.wikipedia.org/wiki/Foreigners%27_authority" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Expat Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/expat-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Health Insurance for Freelancers in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-self-employed-and-freelancers-in-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Long-term stay covered in 3 steps", "description": "Care Expatriate can cover longer incoming stays up to 5 years, depending on age and selected plan.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your plan", "text": "Care Expatriate for expats, freelancers, self-employed people, employees on assignment without German statutory insurance, or seniors up to entry age 74." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter passport, destination, stay details and requested coverage period online. Additional questions may apply depending on the plan." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive PDF confirmation after successful application and submit it to the embassy, consulate or immigration authority if requested." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "What health insurance do foreign freelancers need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "From €58/month via Care Expatriate (§ 193 VVG). All foreign freelancers and self-employed in Germany need valid health insurance — it is mandatory under § 193 VVG and required for the residence permit (Aufenthaltstitel) under § 5 / § 21 AufenthG. Care Expatriate (from €58/month, up to 60 months) is the standard private Incoming tariff for this case; the certificate is typically accepted by the Ausländerbehörde and arrives by PDF within minutes." } }, { "@type": "Question", "name": "Can foreign freelancers join statutory GKV in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "If you switch directly from a German employee contract into self-employment you may continue voluntary GKV within 3 months. Only in narrow cases. Newly arriving freelancers without prior German GKV cover usually cannot join statutory insurance through self-employment and need a private Incoming tariff such as Care Expatriate." } }, { "@type": "Question", "name": "How much does freelancer health insurance cost in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Voluntary GKV for self-employed is income-based with a minimum contribution of roughly €230–€260/month — usually significantly more expensive for entry-level freelancers. Private Care Expatriate starts from €58/month at age 13–40 (Basic, SB 150 €) and rises with age — from €68/month at 41–60 and €246/month at 61–74 on Basic, up to €432/month at 61–74 on Premium (SB 0 €)." } }, { "@type": "Question", "name": "Can I keep my home-country insurance as a freelancer in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — German authorities require health insurance valid in Germany and a foreign policy is almost never accepted for the Aufenthaltstitel (residence permit) under § 5 / § 21 AufenthG. EU citizens with an EHIC are covered only for short visits, not for a self-employed residence permit. The standard route is Care Expatriate (from €58/month, up to 60 months) — the PDF certificate arrives instantly by email and is typically accepted by the Ausländerbehörde and the Finanzamt." } }, { "@type": "Question", "name": "What does health insurance cost for freelancers in Germany 2026?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month (ages 13–40, €150 deductible) up to €432/month (ages 61–74, Premium). Voluntary GKV runs ~€300–€800/month depending on income. Freiberufler under § 18 EStG typically choose Care Expatriate for the first 5 years — /en/insurance-plans/care-expatriate/overview/." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do foreign freelancers need in Germany?", "text": "What health insurance do foreign freelancers need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €58/month via Care Expatriate (§ 193 VVG). All foreign freelancers and self-employed in Germany need valid health insurance — it is mandatory under § 193 VVG and required for the residence permit (Aufenthaltstitel) under § 5 / § 21 AufenthG. Care Expatriate (from €58/month, up to 60 months) is the standard private Incoming tariff for this case; the certificate is typically accepted by the Ausländerbehörde and arrives by PDF within minutes.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-self-employed-and-freelancers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can foreign freelancers join statutory GKV in Germany?", "text": "Can foreign freelancers join statutory GKV in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "If you switch directly from a German employee contract into self-employment you may continue voluntary GKV within 3 months. Only in narrow cases. Newly arriving freelancers without prior German GKV cover usually cannot join statutory insurance through self-employment and need a private Incoming tariff such as Care Expatriate.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-self-employed-and-freelancers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does freelancer health insurance cost in Germany?", "text": "How much does freelancer health insurance cost in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Voluntary GKV for self-employed is income-based with a minimum contribution of roughly €230–€260/month — usually significantly more expensive for entry-level freelancers. Private Care Expatriate starts from €58/month at age 13–40 (Basic, SB 150 €) and rises with age — from €68/month at 41–60 and €246/month at 61–74 on Basic, up to €432/month at 61–74 on Premium (SB 0 €).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-self-employed-and-freelancers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I keep my home-country insurance as a freelancer in Germany?", "text": "Can I keep my home-country insurance as a freelancer in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — German authorities require health insurance valid in Germany and a foreign policy is almost never accepted for the Aufenthaltstitel (residence permit) under § 5 / § 21 AufenthG. EU citizens with an EHIC are covered only for short visits, not for a self-employed residence permit. The standard route is Care Expatriate (from €58/month, up to 60 months) — the PDF certificate arrives instantly by email and is typically accepted by the Ausländerbehörde and the Finanzamt.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-self-employed-and-freelancers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does health insurance cost for freelancers in Germany 2026?", "text": "What does health insurance cost for freelancers in Germany 2026?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month (ages 13–40, €150 deductible) up to €432/month (ages 61–74, Premium). Voluntary GKV runs ~€300–€800/month depending on income. Freiberufler under § 18 EStG typically choose Care Expatriate for the first 5 years — /en/insurance-plans/care-expatriate/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-self-employed-and-freelancers-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) 1. [Home](/en/) 2. [Expat Insurance in Germany](/en/expat-health-insurance-germany/) 3. Health Insurance for Freelancers in Germany # Health Insurance for Foreign Freelancers & Self-Employed in Germany — from €58/month Sources: § 5 AufenthG · § 21 AufenthG · § 193 VVG · § 9 SGB V (voluntary GKV) · BAMF · HanseMerkur AVB · Care Concept AG · Finanzamt **No insurance certificate — no residence permit, no Finanzamt registration, no first invoice.** That is the chain for every foreign freelancer, Freiberufler and self-employed person in Germany. The Ausländerbehörde does not ask whether you have insurance — it requires the certificate (§ 5 (1) No. 1 AufenthG). Without it the residence permit is refused and the freelancer visa expires. Foreign freelancers cannot enter statutory GKV through self-employment alone. The standard private path is [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (ages 13–40; up to 60 months duration), accepted by the Ausländerbehörde under § 5 / § 21 AufenthG. For short transition gaps — e.g. ending a German employee contract, Chancenkarte job search or family bridging up to 2 years — [Care Economy](/en/insurance-plans/care-economy/overview/) from €30 per 30 days is the typical short-stay certificate. Below we explain why most freelancers cannot use GKV (and the narrow 3-month voluntary continuation window for ex-employees), how the Finanzamt and the Ausländerbehörde each verify the certificate, and which tariff is honest for your age band. Long-Stay Coverage Care Expatriate by HanseMerkur Versicherungsgruppe / Advigon Residence Documents Proof for visa or immigration authority documents Fast Confirmation PDF confirmation available after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 9, 2026** Sources§ 5 AufenthG · § 21 AufenthG · § 193 VVG · § 9 SGB V · HanseMerkur Krankenversicherung AG · Care Concept AG · BAMF · Finanzamt 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for the freelancer residence permit? Pick your plan. [Care Expatriate (long-stay) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (transition / short) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - Foreign freelancers and self-employed cannot join GKV through self-employment — Care Expatriate (from €58/month, up to 5 years) is the standard private path for the residence permit. - Voluntary GKV continuation is only possible for those switching directly from a German employed contract (3-month deadline). Outside that window: private Incoming insurance. - The certificate arrives instantly by PDF email — accepted by the Ausländerbehörde (§ 5 / § 21 AufenthG), HR, the Finanzamt and bank account openings. Key facts at a glance Reviewed September 9, 2026 - **Care Expatriate (freelancers):** from €58/month (ages 13–40, Basic SB 150 €), from €68/month at 41–60 and €246/month at 61–74 (Basic) — up to €432/month on Premium (61–74, SB 0 €). See the price table below. Up to 60 months duration, recognised under § 5 / § 21 AufenthG. (Source: HanseMerkur AVB). - **Care Economy (transition):** from €30 per 30 days (up to age 64) and from €88.50 per 30 days (ages 65 and over). Up to 2 years — ideal for the gap between employment and self-employment. (Source: HanseMerkur AVB). - **Voluntary GKV continuation:** only available within 3 months of leaving a German employee contract (§ 9 SGB V). Outside this window, freelancers typically cannot join statutory GKV. (Source: § 9 SGB V). - **Without insurance:** a German hospital day costs ≈ €830 — one operation plus 3 inpatient days = €5,000–€15,000 in private debt, plus residence-permit refusal. (Source: InEK 2024 / DRG day rate). ## The four worries almost every foreign freelancer in Germany has **Quick answer:** "Can I just keep my home-country policy?" — No. The Ausländerbehörde requires German-recognised cover with ambulant + inpatient benefits for the full residence-permit period. Below are the four pain points we see again and again, and how each one is solved with the right Incoming tariff. ## Avoid the mistakes that can delay your application ### Visitor insurance may be too short For multi-month or multi-year stays, Care Expatriate can be a better fit than short visitor coverage. ### Statutory or private? Freelancers, self-employed people and some incoming long-stay cases may need private incoming coverage instead of German statutory insurance. ### Residence proof requested? Care Expatriate can provide PDF confirmation after successful application for visa or immigration documents. ### Renewal stress later A longer coverage term can reduce repeated renewal pressure during projects, residence processes or long stays. ## Quick reality check: what an unprotected freelancer hospital stay costs ## 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. 🧳 Up to 5 years Short visitor cover may be too weak For long stays, freelance work or residence documents, short visitor insurance may be too short or not the right proof. - 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. ## Why act before the Ausländerbehörde appointment ## Why act before your residence documents are due Long-stay proof can become urgent during visa, residence permit, project or relocation steps. Short visitor cover may not be enough. 🧳 Long stay, different proof Care Expatriate can fit longer incoming stays up to 5 years, depending on age and selected plan. 📄 Residence documents need clarity Your proof should match destination, coverage period and long-stay purpose. ⚡ Do not wait for renewal stress Preparing longer coverage early can reduce repeated extension pressure. ✅ Private or statutory? Freelancers, self-employed people and employees on assignment without German statutory insurance may need a different route than employees. ## Get insured in 3 steps 10 minutes of effort. Up to 5 years of cover. PDF certificate by email — forwardable to Ausländerbehörde, Finanzamt and bank. ## Long-term stay covered in 3 steps Care Expatriate can cover longer incoming stays up to 5 years, depending on age and selected plan. 1. 1 🎯 Choose your plan Care Expatriate for expats, freelancers, self-employed people, employees on assignment without German statutory insurance, or seniors up to entry age 74. 2. 2 📝 Complete the application Enter passport, destination, stay details and requested coverage period online. Additional questions may apply depending on the plan. 3. 3 ✅ Submit your proof Receive PDF confirmation after successful application and submit it to the embassy, consulate or immigration authority if requested. ## What foreign freelancers, Freiberufler and self-employed expats say about getting the residence-permit insurance certificate, switching from an employee contract, and choosing Care Expatriate for the freelancer visa 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 freelancer health insurance — by case 💼 Freelancer · Self-employed · Residence permit · 1–60 months ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof 🔄 Transition · Chancenkarte · short bridging · up to 2 years ### 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 ## Care Expatriate — all prices by age & tier **Quick answer:** Care Expatriate — the recommended private Incoming tariff for foreign freelancers and self-employed in Germany — starts at €58/month (ages 13–40) and goes up to €432/month (entry age 61–74, Premium tier). Up to 60 months duration, accepted by the Ausländerbehörde under § 5 / § 21 AufenthG and by the Finanzamt for tax registration. Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ## Frequently Asked Questions What health insurance do foreign freelancers need in Germany? From €58/month via Care Expatriate (§ 193 VVG). All foreign freelancers and self-employed in Germany need valid health insurance — it is mandatory under § 193 VVG and required for the residence permit (Aufenthaltstitel) under § 5 / § 21 AufenthG. Care Expatriate (from €58/month, up to 60 months) is the standard private Incoming tariff for this case; the certificate is typically accepted by the Ausländerbehörde and arrives by PDF within minutes. Can foreign freelancers join statutory GKV in Germany? If you switch directly from a German employee contract into self-employment you may continue voluntary GKV within 3 months. Only in narrow cases. Newly arriving freelancers without prior German GKV cover usually cannot join statutory insurance through self-employment and need a private Incoming tariff such as Care Expatriate. How much does freelancer health insurance cost in Germany? Voluntary GKV for self-employed is income-based with a minimum contribution of roughly €230–€260/month — usually significantly more expensive for entry-level freelancers. Private Care Expatriate starts from €58/month at age 13–40 (Basic, SB 150 €) and rises with age — from €68/month at 41–60 and €246/month at 61–74 on Basic, up to €432/month at 61–74 on Premium (SB 0 €). Can I keep my home-country insurance as a freelancer in Germany? No — German authorities require health insurance valid in Germany and a foreign policy is almost never accepted for the Aufenthaltstitel (residence permit) under § 5 / § 21 AufenthG. EU citizens with an EHIC are covered only for short visits, not for a self-employed residence permit. The standard route is Care Expatriate (from €58/month, up to 60 months) — the PDF certificate arrives instantly by email and is typically accepted by the Ausländerbehörde and the Finanzamt. What does health insurance cost for freelancers in Germany 2026? Care Expatriate from €58/month (ages 13–40, €150 deductible) up to €432/month (ages 61–74, Premium). Voluntary GKV runs ~€300–€800/month depending on income. Freiberufler under § 18 EStG typically choose Care Expatriate for the first 5 years — /en/insurance-plans/care-expatriate/overview/. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for the freelancer visa? Pick the plan that fits your case. [Care Expatriate (long-stay) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (transition / short) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 9, 2026.