--- title: "From €27.50/mo · Health insurance foreigners Germany" description: "Health insurance for foreigners in Germany — visa, study, work, retirement, family reunification. Recognised by embassies and the Ausländerbehörde from €27.50/month." 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 foreigners in Germany: every visa, every stay, every age — recognised by embassies and the Ausländerbehörde", "description": "Health insurance for foreigners in Germany — visa, study, work, retirement, family reunification. Recognised by embassies and the Ausländerbehörde from €27.50/month.", "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": "2026-09-09", "dateModified": "2026-09-12", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreigners-germany/" }, "image": 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"https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-economy/overview/" }, { "@type": "Thing", "name": "§ 5 AufenthG", "url": "https://www.gesetze-im-internet.de/aufenthg_2004/__5.html" }, { "@type": "Thing", "name": "§ 68 AufenthG", "url": "https://www.gesetze-im-internet.de/aufenthg_2004/__68.html" }, { "@type": "Thing", "name": "EU Regulation 810/2009 Art. 15", "url": "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009R0810" }, { "@type": "Thing", "name": "BAMF", "url": "https://www.bamf.de/EN/" }, { "@type": "Thing", "name": "Auswärtiges Amt — visa service", "url": "https://www.auswaertiges-amt.de/en/visa-service" }, { "@type": "Thing", "name": "Make it in Germany", "url": "https://www.make-it-in-germany.com/en/" }, { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://www.gkv-spitzenverband.de/" } ], "wordCount": 2600, "timeRequired": "PT9M", "inLanguage": [ "en", "de" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ 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"https://www.krankenversicherung-auslaender.de" }, "url": "https://www.krankenversicherung-auslaender.de/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, { "@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": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Which health insurance do foreigners need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Schengen C-visa visitors need Care Visa Protect (from €0.85/day, €30,000 minimum cover, repatriation). It depends on the visa pathway. Long-stay residence-permit applicants — Blue Card, study, work, freelancer, family reunification — need Care Expatriate (Incoming, up to 5 years) or, once enrolled by a German employer, statutory cover via a Krankenkasse such as Techniker Krankenkasse, AOK, Barmer or DAK-Gesundheit." } }, { "@type": "Question", "name": "Is German travel insurance from my home country accepted by the Ausländerbehörde?", "acceptedAnswer": { "@type": "Answer", "text": "§ 5 AufenthG requires cover comparable to German cover, including hospitalisation and outpatient treatment without a low cap. Generally no. Most home-country travel policies fail on this point and are rejected at the residence permit appointment. The standard German-compliant route is Care Expatriate for long stays or Care Visa Protect for Schengen visits." } }, { "@type": "Question", "name": "How much does health insurance cost for a foreigner in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "(1) Schengen / short visitor stays: Care Visa Protect from €0.85/day. Three brackets. (2) Long-stay private Incoming cover: Care Expatriate from €58/month at ages 13–40, scaling by age band up to €432/month at age 61–74. (3) Statutory GKV via Krankenkasse: roughly 14.6% of gross salary plus the fund's Zusatzbeitrag, split with the employer — for employees below the JAEG ceiling of €77,400/year (2026)." } }, { "@type": "Question", "name": "Can foreigners join the German statutory health insurance (GKV)?", "acceptedAnswer": { "@type": "Answer", "text": "Employees with gross salary below the JAEG (€77,400/year, 2026) are GKV-mandatory through their employer. Yes, under specific conditions. International students under 30 enrol in GKV at matriculation. Family members of GKV-insured persons can join via Familienversicherung at no extra cost. Freelancers, retirees without GKV history and most short-term visitors are not eligible and need private Incoming cover like Care Expatriate." } }, { "@type": "Question", "name": "Which insurance do German embassies accept for the visa appointment?", "acceptedAnswer": { "@type": "Answer", "text": "For Schengen C-visas: Care Visa Protect (or any policy meeting EU Regulation 810/2009 Art. 15 — €30,000 minimum medical cover, repatriation, valid in all Schengen states). For national D-visas leading to a residence permit (work, study, family reunification): Care Expatriate is the typical accepted Incoming insurance. Both are issued as bilingual PDF certificates that can be uploaded directly to the embassy portal." } }, { "@type": "Question", "name": "How fast do I get the insurance certificate?", "acceptedAnswer": { "@type": "Answer", "text": "The certificate is accepted by German embassies, the Ausländerbehörde and German HR departments as Krankenversicherungsnachweis under § 5 AufenthG. Care Visa Protect, Care Economy and Care Expatriate certificates are issued automatically as bilingual PDF after online application — typically within minutes." } }, { "@type": "Question", "name": "What is the difference between Care Expatriate and substitutive German PKV?", "acceptedAnswer": { "@type": "Answer", "text": "PKV premiums start at €58/month (Care Expatriate, age 13–40, § 193 VVG). Different products for different stages. Care Expatriate (Incoming insurance) is monthly, has no medical underwriting at entry, runs up to 5 years and is built for the early expat phase — Blue Card before payroll, freelancer permit, family reunion, Chancenkarte. Substitutive German PKV — Debeka, Signal Iduna, Allianz Krankenversicherung, Gothaer, Hallesche — is the long-term private alternative to GKV: medically underwritten, age-based, lifetime contract, only available to high earners above JAEG, civil servants and most self-employed. Most newcomers start with Care Expatriate and only consider PKV later, if at all." } }, { "@type": "Question", "name": "Do EU citizens need a German health insurance policy?", "acceptedAnswer": { "@type": "Answer", "text": "EU pensioners moving to Germany use Form S1 (Regulation 883/2004) to register with a German Krankenkasse at home-country cost. Not for short stays — the EHIC card from the home country covers acute treatment. For employment in Germany, the employer enrols you in GKV from day one. Non-EU partners and parents joining the EU citizen typically need Care Expatriate until they qualify for GKV." } }, { "@type": "Question", "name": "How does the 14-day Anmeldung deadline affect health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Anmeldung (address registration) is required within 14 days of moving in. Most Bürgeramt appointments ask for proof of a German address and a Krankenversicherungsnachweis. Without insurance proof, you cannot complete the Anmeldung, which blocks the tax ID, the bank account and the residence permit downstream. Buying Care Expatriate or Care Visa Protect online before arrival is the standard way foreigners meet the deadline." } }, { "@type": "Question", "name": "Which sub-page should I read next?", "acceptedAnswer": { "@type": "Answer", "text": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Start with the audience that matches your visa: visa & Schengen, students & language school, expats & long-stay, foreign employees, retirees & pensioners, or blocked-account visa. Each sub-hub maps the recognised tariffs, embassy requirements and price brackets for that specific status." } }, { "@type": "Question", "name": "How to get health insurance in Germany as a foreigner — and do I need health insurance in Germany at all?", "acceptedAnswer": { "@type": "Answer", "text": "The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Short answer to 'do I need health insurance in Germany?' — yes, proof is mandatory for every visa, residence permit and Anmeldung file. How to get health insurance in Germany as a foreigner depends on the pathway. Health insurance for foreigners Germany splits into three rails: private Incoming Versicherung Aufenthaltstitel (Care Expatriate, Care Economy, Care Visa Protect — the typical Krankenversicherung Ausländer Deutschland for visa and family stays), statutory GKV via a Krankenkasse once an employer or university enrolment opens it, or substitutive PKV for high earners and most self-employed. How to apply for health insurance in Germany: pick the tariff that matches your visa, complete the online form, then attach the bilingual PDF to the embassy or Ausländerbehörde file." } }, { "@type": "Question", "name": "What is the cheapest private health insurance Germany for expats, and is it available in English?", "acceptedAnswer": { "@type": "Answer", "text": "PKV premiums start at €58/month (Care Expatriate, age 13–40, § 193 VVG). The cheapest private health insurance Germany route for newcomers is Care Expatriate from €58/month at ages 13–40 — the standard monthly cost private health insurance Germany answer for the long-stay Incoming bracket. We still rate it as the best health insurance Germany expats option because the contract runs in two languages: a private health insurance Germany English speakers can actually read, delivered as a full health insurance Germany English contract suitable for HR, the embassy and the Ausländerbehörde." } }, { "@type": "Question", "name": "Private vs statutory health insurance Germany — how does GKV vs PKV foreigners Germany play out?", "acceptedAnswer": { "@type": "Answer", "text": "GKV contribution: 17.8% of gross income up to €66,150/year (§ 241 SGB V, 2026 ceiling). On private vs statutory health insurance Germany, the GKV vs PKV foreigners Germany choice usually narrows fast. Salaried newcomers below the income ceiling go statutory — a Barmer Techniker AOK DAK comparison covers most of the market, and both Techniker Krankenkasse expats and DAK-Gesundheit foreigners run English call centres. Freelancers, founders and high earners weigh PKV. Non-EU health insurance Germany files for visa, study, family or retirement stays use private Incoming cover instead until a GKV trigger fires." } }, { "@type": "Question", "name": "Which tariff for which visa — Schengen, Blue Card, Chancenkarte, visitor?", "acceptedAnswer": { "@type": "Answer", "text": "Visitors and 90-day Schengen entrants without a job offer use Care Economy visitor Germany before any statutory enrolment. Care Visa Protect Schengen meets the Schengen visa insurance 30000 EUR rule (EU Visa Code 810/2009) — the standard travel insurance Germany visa application route for tourists, parent visits and the entry phase of the Chancenkarte Krankenversicherung. Long-stay holders use Care Expatriate Germany — the Incoming product behind the EU Blue Card health insurance certificate that HR and the Ausländerbehörde recognise." } }, { "@type": "Question", "name": "Which legal rules drive the Krankenversicherungsnachweis at the Ausländerbehörde and Bürgeramt?", "acceptedAnswer": { "@type": "Answer", "text": "(1) § 5 AufenthG sufficient cover — the test every Krankenversicherungsnachweis Aufenthaltstitel must pass at the Ausländerbehörde Krankenversicherungsnachweis Berlin München desks. Three rules cause most rejections. (2) The Anmeldung 14 days deadline Germany — Bürgeramt Anmeldung Krankenversicherung is the front-desk reality: most clerks ask for both the lease and a policy PDF on the spot. (3) The JAEG 77400 2026 income threshold above which employees may opt out of GKV. A Verpflichtungserklärung § 68 AufenthG insurance route shifts liability to the German host until the visitor presents an accepted policy." } }, { "@type": "Question", "name": "What about freelancers, seasonal workers and retirees?", "acceptedAnswer": { "@type": "Answer", "text": "Seasonal workers use Care 01 Saisonarbeiter, with the employer reporting each day via the Care Concept Meldetool. For freelancers arriving in Germany, Care Expatriate is the standard bridge before any later PKV decision. For retirees, EU pensioners go the EHIC and Form S1 route to enrol with a German Krankenkasse at home-country cost, while non-EU retirees use Care Expatriate up to age 74." } }, { "@type": "Question", "name": "Is healthcare in Germany free — and what does it actually cost an expat?", "acceptedAnswer": { "@type": "Answer", "text": "Baseline monthly premium: €30 (Care Economy) up to €432 (Care Expatriate Premium, ages 61–74). Healthcare in Germany is universal but not free: every resident has to hold a recognised contract, so the real question is which rail you pay into. As a rough orientation, short Schengen visits start around €0.85/day with Care Visa Protect; a long-stay residence permit runs from €58/month at ages 13–40 with Care Expatriate; and statutory cover with a Krankenkasse such as Techniker Krankenkasse, AOK, Barmer or DAK-Gesundheit lands near 16–17 % of your gross salary, split with the employer. So no, healthcare is not free — but it is heavily socialised, and your monthly cost stays predictable across all three of these routes." } }, { "@type": "Question", "name": "How does Familiennachzug (family reunification) work with German health insurance for expats?", "acceptedAnswer": { "@type": "Answer", "text": "For Familiennachzug — a spouse, registered partner or minor children joining a resident — the Ausländerbehörde wants the same § 5 AufenthG-compliant Krankenversicherungsnachweis it asks of the main applicant. If the sponsor is already in statutory GKV, the joining family member usually enrols for free via Familienversicherung at the same Krankenkasse (TK, AOK, Barmer or DAK-Gesundheit). If the sponsor is on Incoming cover or PKV, the joining family member starts on Care Expatriate — no medical underwriting, valid for up to five years — until a GKV trigger fires. Care Expatriate is the cover most embassies see on family-reunification files alongside neutral alternatives such as HanseMerkur, Allianz Travel, Hallesche or Mawista; we recommend it because the bilingual certificate matches exactly what § 5 AufenthG asks for." } } ] }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Health insurance for foreigners in Germany — glossary", "inLanguage": "en", "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "hasDefinedTerm": [ { "@type": "DefinedTerm", "name": "Krankenversicherungsnachweis", "description": "Proof of health insurance the Ausländerbehörde requires for every residence permit decision under § 5 AufenthG. Must cover the entire requested permit period.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "Aufenthaltstitel", "description": "Umbrella term for every German residence title — national D-visa, residence permit, EU Blue Card, settlement permit — issued under the Aufenthaltsgesetz (AufenthG).", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "Ausländerbehörde", "description": "Local foreigners' authority that issues and extends residence permits. In Berlin called Landesamt für Einwanderung (LEA); in Munich, Kreisverwaltungsreferat (KVR).", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "Anmeldung", "description": "Mandatory address registration at the Bürgeramt within 14 days of moving in. Required for the residence permit, tax ID, bank account and statutory health insurance enrolment.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "GKV (statutory health insurance)", "description": "Public sickness funds under SGB V — Techniker Krankenkasse (TK), AOK, Barmer, DAK-Gesundheit. Mandatory for employees below the JAEG threshold (€77,400/year in 2026).", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "PKV (substitutive private)", "description": "Long-term private health insurance — Debeka, Signal Iduna, Allianz Krankenversicherung, Gothaer, Hallesche — only available to high-income employees above JAEG, civil servants and most self-employed.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "Incoming insurance", "description": "Short-to-medium-term private cover (3–60 months) recognised by the Ausländerbehörde under § 5 AufenthG. Care Expatriate, Care Economy, Care Visa Protect belong here. Not the same as substitutive PKV.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "Verpflichtungserklärung (§ 68 AufenthG)", "description": "Formal sponsorship declaration. The host shoulders unlimited liability for the visitor's medical bills unless the visitor presents a German-recognised health insurance certificate.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "JAEG (Jahresarbeitsentgeltgrenze)", "description": "Annual income threshold above which employees may opt out of GKV into private insurance — €77,400/year in 2026 per GKV-Spitzenverband.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "EHIC / Form S1", "description": "EU portable rights documents that let EU citizens — including pensioners under coordination Regulation (EC) 883/2004 — access German healthcare without taking out a separate German policy.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "Bürgeramt Anmeldung", "description": "Mandatory city-hall address registration completed at the Bürgeramt within 14 days of moving in. Most appointments ask for a valid Krankenversicherungsnachweis on the spot — without insurance proof the Anmeldung is refused, which blocks the tax ID, bank account and Aufenthaltstitel.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" }, { "@type": "DefinedTerm", "name": "Krankenkasse Englisch service", "description": "English-speaking customer support at a German statutory sickness fund. Techniker Krankenkasse (TK), DAK-Gesundheit, Barmer and AOK typically offer English call centres and English member portals, which matters when expats compare GKV options or arrange employer enrolment.", "inDefinedTermSet": "Health insurance for foreigners in Germany — glossary" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to prove health insurance for your German visa or residence permit in 3 steps", "description": "A 3-step procedure foreigners follow to obtain a Krankenversicherungsnachweis that German embassies and the Ausländerbehörde typically accept under § 5 AufenthG and EU Regulation 810/2009.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Identify your visa pathway and stay length", "text": "Match your situation to one of three families: Schengen C-visa up to 92 days (Care Visa Protect), national D-visa or residence permit up to 5 years (Care Expatriate), or German payroll under the JAEG threshold of €77,400/year (statutory GKV via a Krankenkasse such as DAK-Gesundheit, TK, AOK or Barmer)." }, { "@type": "HowToStep", "position": 2, "name": "Apply online and receive the bilingual PDF certificate", "text": "Complete the online application for Care Expatriate or Care Visa Protect. The bilingual German/English Krankenversicherungsnachweis is typically issued within minutes and emailed as a PDF — ready to upload to the embassy portal or hand to the Ausländerbehörde." }, { "@type": "HowToStep", "position": 3, "name": "Submit at embassy, Bürgeramt and Ausländerbehörde", "text": "Attach the certificate to the visa file at the German embassy, present it at the Anmeldung within 14 days of moving in, and again when collecting or extending the Aufenthaltstitel at the Ausländerbehörde. The same certificate covers all three appointments." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@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": "ItemList", "name": "Health insurance for foreigners in Germany — by audience", "itemListOrder": "https://schema.org/ItemListOrderAscending", "numberOfItems": 8, "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Visa & Schengen for Germany", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/" }, { "@type": "ListItem", "position": 2, "name": "Students & language school", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/" }, { "@type": "ListItem", "position": 3, "name": "Expats (long-stay)", "url": "https://www.krankenversicherung-auslaender.de/en/expat-health-insurance-germany/" }, { "@type": "ListItem", "position": 4, "name": "Foreign employees", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/" }, { "@type": "ListItem", "position": 5, "name": "Retirees & pensioners", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-retirees-germany/" }, { "@type": "ListItem", "position": 6, "name": "Blocked account & visa", "url": "https://www.krankenversicherung-auslaender.de/en/blocked-account-visa-germany/" }, { "@type": "ListItem", "position": 7, "name": "Foreigners in Austria", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreigners-austria/" }, { "@type": "ListItem", "position": 8, "name": "Guides & FAQ", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" } ] } ] --- 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. Health insurance for foreigners in Germany 📑 On this page (9) - [→ What is health insurance for foreigners?](#what-is) - [→ Quick chooser by status](#atf) - [→ Pain points foreigners face](#problems) - [→ Recommended tariffs](#recommended) - [→ Care Expatriate prices](#prices) - [→ By situation — full matrix](#by-situation) - [→ Explore by audience (sub-hubs)](#by-audience) - [→ Glossary](#glossary) - [→ FAQ](#faq) # Health insurance for foreigners in Germany: every visa, every stay, every age — recognised by embassies and the Ausländerbehörde ![International foreigners — students, expats, workers, retirees — in front of a German Ausländerbehörde with insurance proof](/assets/hero-slide-1-portal-krankenversicherung-auslaender-deutschland-BtwLyoMF.webp) Sources: BAMF · Auswärtiges Amt · § 5 AufenthG · § 68 AufenthG · EU 810/2009 Art. 15 · GKV-Spitzenverband · HanseMerkur GTC · Care Concept AG **No valid health insurance proof — no German visa, no Anmeldung, no residence permit.** Every foreigner moving to Germany sits at the same chain: the embassy asks for a _Krankenversicherungsnachweis_ for the visa file, the Bürgeramt asks for it at the 14-day Anmeldung, and the Ausländerbehörde checks it again under § 5 AufenthG before issuing or extending the Aufenthaltstitel — whether you arrive on a Schengen C-visa, a national D-visa, an EU Blue Card, the Chancenkarte, a family reunification permit or as an EU pensioner with Form S1. For short visits up to 92 days, the standard embassy-compliant cover is [Care Visa Protect from €0.85/day (€30,000 medical, repatriation)](/en/insurance-plans/care-visa-protect/overview/) — Schengen-compliant in all 27 member states. For long-stay residence permits (work, study, freelancer, family reunion, retirement), the standard private Incoming insurance is [Care Expatriate from €58/month (up to 5 years, ages 0–74)](/en/insurance-plans/care-expatriate/overview/). Employees who start a German payroll under the JAEG ceiling (€77,400/year in 2026) enrol in statutory cover (GKV) via a Krankenkasse such as DAK-Gesundheit, Techniker Krankenkasse, AOK or Barmer. Below: how much health insurance in Germany for foreigners typically costs, which Krankenkasse offers Englisch service, when statutory GKV is mandatory, when private health insurance (Auslandskrankenversicherung Deutschland / Incoming-Versicherung) for English speakers is the only option, and the exact certificate wording the Ausländerbehörde and German embassies expect to see — including what to bring to the Bürgeramt Anmeldung within 14 days. Editor's note: across nearly two decades helping foreigners arrive in Germany, the two most common reasons a visa or residence permit stalls at the counter are an insurer not recognised under § 5 AufenthG and a policy duration that ends before the requested permit period. Both are avoidable — the audience sub-hubs, price tables and decision matrix below show exactly which certificate, tariff and timing keep the appointment moving. Last reviewed by Steffan Grund on September 9, 2026. ⏱ Embassy or Ausländerbehörde appointment soon? Pick by status — certificate issued in minutes: - ✈️ **Schengen / short visit (≤ 92 days):** [Care Visa Protect — from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) - 🧳 **Long stay (residence permit, work, study, family):** [Care Expatriate — from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) - 💼 **Foreign employee on German payroll:** [Statutory GKV via DAK-Gesundheit — 17.8% of gross (open-ended)](/en/health-insurance-foreign-employees-germany/) [ ✈️ Visa & Schengen From from €0.85/day (up to 92 days) ](/en/health-insurance-visa-foreigners-germany/)[ 🎓 Students & language school From from €27.50/month (up to 5 years) ](/en/health-insurance-foreign-students-germany/)[ 🏠 Expats (long-stay) From from €58/month (up to 5 years) ](/en/expat-health-insurance-germany/) 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 ## What is health insurance for foreigners in Germany? **Quick answer:** Health insurance for foreigners in Germany is any cover — statutory (GKV), substitutive private (PKV) or short-to-medium-term private Incoming insurance — that the German embassy and the Ausländerbehörde recognise as proof under § 5 AufenthG for issuing a visa, Anmeldung or residence permit (Aufenthaltstitel). Three product families cover almost every foreigner. First, **statutory health insurance (GKV)** via a Krankenkasse — DAK-Gesundheit, Techniker Krankenkasse (TK), AOK and Barmer are the funds most foreign employees and international students under 30 join — mandatory for employees below the JAEG ceiling of €77,400/year (2026). Second, **substitutive private health insurance (PKV)** — Debeka, Signal Iduna, Allianz Krankenversicherung, Gothaer, Hallesche — the long-term private alternative for high earners, civil servants and most self-employed. Third, **private Incoming insurance** — Care Expatriate, Care Economy, Care Visa Protect — short-to-medium-term cover designed for newcomers, recognised by the immigration office as residence-permit compliant. International student insurance Germany and freelancer Krankenversicherung scenarios are specific sub-cases of this third family. Official guidance: [Make it in Germany](https://www.make-it-in-germany.com/en/), [Federal Foreign Office visa service](https://www.auswaertiges-amt.de/en/visa-service) and [BAMF](https://www.bamf.de/EN/). ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 12, 2026** SourcesBAMF · § 5 AufenthG · § 68 AufenthG · EU 810/2009 Art. 15 · GKV-Spitzenverband · HanseMerkur GTC · Care Concept AG · Auswärtiges Amt 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Need a recognised insurance certificate for Germany today? [Care Expatriate (long stay) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Visa Protect (Schengen) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/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 - **Schengen short stay:** Care Visa Protect from €0.85/day with €30,000 medical cover and repatriation — compliant in all Schengen states under EU 810/2009 Art. 15. - **Long-stay residence permit:** Care Expatriate from €58/month (up to 5 years, ages 0–74) — recognised by the Ausländerbehörde under § 5 AufenthG. - **Employed in Germany:** statutory GKV via a Krankenkasse (DAK-Gesundheit, TK, AOK, Barmer) at roughly 14.6% of gross plus the fund's Zusatzbeitrag — split with the employer. - **No waiting period:** all certificates issued instantly as bilingual PDF after online application — accepted by German embassies, Bürgeramt and Ausländerbehörde. Key facts at a glance Reviewed September 12, 2026 - **Schengen minimum cover:** €30,000 medical with repatriation, valid in all 27 Schengen states. Care Visa Protect's €50,000 ceiling sits well above the floor. (Source: EU Regulation 810/2009 Art. 15). - **Care Expatriate entry price:** from €58/month at ages 13–40 on the Basic tier; €246/month at age 61–74 on the Basic tier — see the full age-band matrix below. (Source: HanseMerkur GTC · Care Concept price table). - **JAEG income threshold 2026:** €77,400/year. Below this, employees are GKV-mandatory; above, they may opt out into private insurance. (Source: GKV-Spitzenverband). - **Anmeldung deadline:** 14 days from move-in to register your address at the Bürgeramt — Krankenversicherungsnachweis is typically required at the same appointment. (Source: § 17 Bundesmeldegesetz (BMG)). ## What foreigners moving to Germany worry about — and how each is solved **Quick answer:** Four pain points repeat at most Bürgeramt and Ausländerbehörde appointments: a visa rejected for "insufficient cover", the 14-day Anmeldung deadline missed, the Verpflichtungserklärung (§ 68 AufenthG) liability for the host, and the gap between arrival and the first GKV payroll. Each has a clean answer below. ## 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. ## Reality check: what an uninsured German 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 timing matters — embassy slot, Anmeldung, residence permit ## 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 your insurance certificate in 3 steps About 10 minutes online. Bilingual PDF by email — forwardable to the German embassy, the Bürgeramt and the Ausländerbehörde. ## 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 foreigners say about Care Expatriate and Care Visa Protect for German visa and residence permit appointments 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 health insurance for foreigners — by length of stay 🧳 Long stay · residence permit · up to 5 years ### 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 ✈️ Schengen · ≤ 92 days ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof 📘 Visitor / job-seeker bridge · 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 💼 Employed on German payroll (GKV) ### DAK-Gesundheit Employees currently 17.8% of gross income (employer pays half · plus long-term care insurance) For foreign employees with a social-security-covered job in Germany - Statutory health insurance for employees in Germany - Employer pays half of the health insurance contribution - Family coverage for spouse & children may be possible under statutory rules - Doctor, dentist, hospital, pharmacy & prescription medication coverage - Health insurance card for medical treatment in Germany - EU/EEA coverage via the European Health Insurance Card - Save €120 per year with DAK Garantietarif 120 possible - Optional: DAK Fit & Travel with additional benefits up to age 39 - Mandatory long-term care insurance also applies - Reputable statutory health insurance provider Why DAK-Gesundheit? For foreign employees in Germany who need statutory health insurance with a health insurance card, employer contribution and possible family coverage. Why statutory health insurance as an employee? More security in everyday working life in Germany: the employer pays half, family members may be covered free of charge under certain conditions, and medical treatment is handled easily through the health insurance card. - 🏛️ DAK-Gesundheit - 📄 Membership certificate for employers & authorities - 🔒 Doctor, dentist, clinic, pharmacy & prescription medication - 🏷️ Currently 17.8% of gross income · employer pays half [DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit-angestellte/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit-angestellte/apply/) → Complete the application, start your membership, receive your health insurance card 🎓 Language school · Studienkolleg ### Care College from only €27.50 / month (coverage up to 5 years) For language schools, Studienkolleg, DSH, continuing education, visiting researchers & educational stays - Proof of insurance for visas & immigration authorities quickly available (PDF) - Affordable health insurance from €27.50 / month - Doctor, hospital, prescription medication & dental treatment coverage - For educational stays in Germany or the EU/Schengen Area — except Austria - Suitable for language students, Studienkolleg, DSH, continuing education & visiting researchers - Coverage up to 5 years – less renewal stress - 3 plan levels available: Basic, Comfort & Premium - 24/7 assistance + digital insurance card - Coverage term: 1 month to 5 years · entry age up to 40 - Reputable insurance carrier Why Care College? For foreign nationals with an educational stay who need affordable health insurance and proof of coverage for authorities — suitable for language school, Studienkolleg, DSH, continuing education or visiting researchers. Why a 5-year coverage term? More planning security during training, language courses or study preparation: less renewal stress and a lower risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €27.50 / month · coverage up to 5 years [Care College – Quick Overview](/en/insurance-plans/care-college/plan-details/) [Apply online now](/en/insurance-plans/care-college/apply/) → Complete the application, receive your instant PDF, submit your proof 🎓 Students > 30 / exempt from GKV ### Care Student from €101.54 / month (coverage up to 5 years) For international students in Germany: bachelor's, master's, doctoral studies & eligible university enrollment cases - Accepted for university enrollment – electronic M10 notification - Health insurance + mandatory long-term care insurance from €101.54/month - Save at least €50/month compared with statutory student health insurance - For bachelor's, master's, doctoral studies & eligible university enrollment flows - Private-patient status: free choice of doctor, often faster appointments - Doctor, hospital, prescription medication & dental treatment coverage - Support with exemption from statutory health insurance - Recognized by universities and immigration authorities - Coverage term up to 5 years · entry age 12–39 - Reputable insurance carrier Why Care Student? For international students in Germany who need private health insurance for enrollment, M10 notification and proof of coverage for authorities — with strong benefits and potential savings compared with statutory health insurance. Why a 5-year coverage term? More planning security during your studies: less renewal stress and a lower risk of a coverage gap during a bachelor's, master's, doctoral program or eligible university enrollment case. - 🏛️ HanseMerkur Insurance AG - 📄 M10 notification + proof for universities & immigration authorities - 🔒 Doctor, clinic, dental treatment & prescription medication - 🏷️ From €101.54 / month · coverage up to 5 years [Care Student – Quick Overview](/en/insurance-plans/care-student/plan-details/) [Apply online now](/en/insurance-plans/care-student/apply/) → Complete the application, secure your M10 notification, prepare for enrollment ## Care Expatriate — all prices by age band & tier **Quick answer:** Care Expatriate — the standard private Incoming insurance for foreigners settling in Germany for 6 months to 5 years — is priced per age band (0–12, 13–40, 41–60, 61–74) and tier (Basic / Comfort / Premium). Entry premium is €58/month at ages 13–40 on the Basic tier; €246/month at age 61–74 on the Basic tier. The PDF certificate is typically accepted by German embassies and the Ausländerbehörde. 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 Visa Protect — Schengen short-stay prices (up to 92 days) **Quick answer:** For Schengen C-visa visitors who do not need a residence permit, Care Visa Protect is a typically low-cost compliant option: from €0.85/day with a €50,000 benefit ceiling — above the Schengen minimum of €30,000. Care Visa Protect Daily premium Multiple Visa (annual contract) up to age 64 €0.85/day €110/year 65 – 74 years €2.60/day €215/year Prices per person. Minimum premium €8.50 per trip. Maximum benefit €50,000 (well above the Schengen minimum of €30,000). Deductible €0. Must be purchased before travel. As of 2026. ## By situation — full matrix from Schengen to retirement **Quick answer:** Match your status to a recognised tariff. Every row links to either the tariff overview (instant application) or the dedicated audience sub-hub (deeper guide). Your situation Recognised tariff / route From Schengen C-visa visitor (≤ 92 days) [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) from €0.85/day (up to 92 days) Visitor or family guest (up to 2 years) [Care Economy](/en/insurance-plans/care-economy/overview/) from €30 / 30 days (up to 2 years) International student < 30 at a German university [Statutory GKV — DAK Studenten](/en/health-insurance-foreign-students-germany/) ~€145/month Student > 30, PhD or GKV-exempt [Care Student](/en/insurance-plans/care-student/overview/) from €101.54/month (up to 5 years) Language school / Studienkolleg [Care College](/en/insurance-plans/care-college/overview/) from €27.50/month (up to 5 years) EU Blue Card / skilled-worker employee under JAEG [Statutory GKV via DAK-Gesundheit](/en/health-insurance-foreign-employees-germany/) 17.8% of gross (open-ended) Freelancer / self-employed (§ 21 AufenthG) [Care Expatriate — expat hub](/en/expat-health-insurance-germany/) from €58/month (up to 5 years) Family reunification (spouse / child / parent) [Care Expatriate per family member](/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/) from €58/month (up to 5 years) Foreign retiree / pensioner moving to Germany [Care Expatriate — retiree hub](/en/health-insurance-foreign-retirees-germany/) from €246/month (61–74) Chancenkarte (opportunity card) holder [Care Economy bridge](/en/insurance-plans/care-economy/overview/) from €30 / 30 days (up to 2 years) Student with blocked account requirement [Blocked account + insurance bundle](/en/blocked-account-visa-germany/) €4.90/month Foreigner living in Austria [Care Austria — Austria hub](/en/health-insurance-foreigners-austria/) from €51/month Schengen C-visa visitor (≤ 92 days) → [Care Visa Protect](/en/insurance-plans/care-visa-protect/overview/) from €0.85/day (up to 92 days) Visitor / family guest (up to 2 years) → [Care Economy](/en/insurance-plans/care-economy/overview/) from €30 / 30 days (up to 2 years) Student < 30 at a German university → [DAK Studenten (GKV)](/en/health-insurance-foreign-students-germany/) ~€145/month Student > 30, PhD or GKV-exempt → [Care Student](/en/insurance-plans/care-student/overview/) from €101.54/month (up to 5 years) Language school / Studienkolleg → [Care College](/en/insurance-plans/care-college/overview/) from €27.50/month (up to 5 years) Blue Card / skilled-worker employee → [GKV via DAK-Gesundheit](/en/health-insurance-foreign-employees-germany/) 17.8% of gross (open-ended) Freelancer / self-employed (§ 21 AufenthG) → [Care Expatriate — expat hub](/en/expat-health-insurance-germany/) from €58/month (up to 5 years) Family reunification (spouse / child / parent) → [Care Expatriate per family member](/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/) from €58/month (up to 5 years) Foreign retiree / pensioner → [Care Expatriate — retiree hub](/en/health-insurance-foreign-retirees-germany/) from €246/month (61–74) Chancenkarte (opportunity card) → [Care Economy bridge](/en/insurance-plans/care-economy/overview/) from €30 / 30 days (up to 2 years) Student with blocked account → [Blocked account + insurance bundle](/en/blocked-account-visa-germany/) €4.90/month Foreigner living in Austria → [Care Austria — Austria hub](/en/health-insurance-foreigners-austria/) from €51/month Not sure which fits? [Try the 30-second tariff finder](/en/tariffinder-germany/). ## Explore by audience — every visa category in depth **Quick answer:** Each sub-hub maps the recognised tariffs, embassy requirements, age bands and prices for that specific status. Pick the one that matches your visa. [ ✈️ Visa & Schengen for Germany Embassy-recognised cover for short visits and national D-visas. From from €0.85/day (up to 92 days). ](/en/health-insurance-visa-foreigners-germany/)[ 🎓 Students & language school GKV for under-30s, Care Student for over-30 / PhD, Care College for language school. From from €27.50/month (up to 5 years). ](/en/health-insurance-foreign-students-germany/)[ 🏠 Expats (long-stay) Care Expatriate for 6 months to 5 years, freelancer permit, Blue Card bridge. From from €58/month (up to 5 years). ](/en/expat-health-insurance-germany/)[ 💼 Foreign employees Statutory GKV via DAK-Gesundheit, TK, AOK or Barmer. 17.8% of gross (open-ended). ](/en/health-insurance-foreign-employees-germany/)[ 🧓 Retirees & pensioners Care Expatriate for non-EU retirees; EHIC / Form S1 for EU pensioners. From €246/month (61–74). ](/en/health-insurance-foreign-retirees-germany/)[ 🏦 Blocked account & visa Sperrkonto + insurance bundle for student / language-course visas. €4.90/month. ](/en/blocked-account-visa-germany/)[ 🇦🇹 Foreigners in Austria Care Austria, recognised by MA 35 in Vienna for residence permits. From €51/month. ](/en/health-insurance-foreigners-austria/)[ 📚 Guides & FAQ Step-by-step guides on Anmeldung, residence permit, GKV switching and embassy proof. ](/en/guide-health-insurance-germany/) ## Glossary — German immigration & insurance terms **Quick answer:** These ten terms appear at almost every Bürgeramt and Ausländerbehörde appointment. Mastering them shortens the paperwork from days to one afternoon. Krankenversicherungsnachweis Proof of health insurance the Ausländerbehörde requires for every residence permit decision under § 5 AufenthG. Must cover the entire requested permit period. Aufenthaltstitel Umbrella term for every German residence title — national D-visa, residence permit, EU Blue Card, settlement permit — issued under the Aufenthaltsgesetz (AufenthG). Ausländerbehörde Local foreigners' authority that issues and extends residence permits. In Berlin called Landesamt für Einwanderung (LEA); in Munich, Kreisverwaltungsreferat (KVR). Anmeldung Mandatory address registration at the Bürgeramt within 14 days of moving in. Required for the residence permit, tax ID, bank account and statutory health insurance enrolment. GKV (statutory health insurance) Public sickness funds under SGB V — Techniker Krankenkasse (TK), AOK, Barmer, DAK-Gesundheit. Mandatory for employees below the JAEG threshold (€77,400/year in 2026). PKV (substitutive private) Long-term private health insurance — Debeka, Signal Iduna, Allianz Krankenversicherung, Gothaer, Hallesche — only available to high-income employees above JAEG, civil servants and most self-employed. Incoming insurance Short-to-medium-term private cover (3–60 months) recognised by the Ausländerbehörde under § 5 AufenthG. Care Expatriate, Care Economy, Care Visa Protect belong here. Not the same as substitutive PKV. Verpflichtungserklärung (§ 68 AufenthG) Formal sponsorship declaration. The host shoulders unlimited liability for the visitor's medical bills unless the visitor presents a German-recognised health insurance certificate. JAEG (Jahresarbeitsentgeltgrenze) Annual income threshold above which employees may opt out of GKV into private insurance — €77,400/year in 2026 per GKV-Spitzenverband. EHIC / Form S1 EU portable rights documents that let EU citizens — including pensioners under coordination Regulation (EC) 883/2004 — access German healthcare without taking out a separate German policy. Bürgeramt Anmeldung Mandatory city-hall address registration completed at the Bürgeramt within 14 days of moving in. Most appointments ask for a valid Krankenversicherungsnachweis on the spot — without insurance proof the Anmeldung is refused, which blocks the tax ID, bank account and Aufenthaltstitel. Krankenkasse Englisch service English-speaking customer support at a German statutory sickness fund. Techniker Krankenkasse (TK), DAK-Gesundheit, Barmer and AOK typically offer English call centres and English member portals, which matters when expats compare GKV options or arrange employer enrolment. ## Frequently asked questions — health insurance for foreigners in Germany ## Frequently Asked Questions Which health insurance do foreigners need in Germany? Schengen C-visa visitors need Care Visa Protect (from €0.85/day, €30,000 minimum cover, repatriation). It depends on the visa pathway. Long-stay residence-permit applicants — Blue Card, study, work, freelancer, family reunification — need Care Expatriate (Incoming, up to 5 years) or, once enrolled by a German employer, statutory cover via a Krankenkasse such as Techniker Krankenkasse, AOK, Barmer or DAK-Gesundheit. Is German travel insurance from my home country accepted by the Ausländerbehörde? § 5 AufenthG requires cover comparable to German cover, including hospitalisation and outpatient treatment without a low cap. Generally no. Most home-country travel policies fail on this point and are rejected at the residence permit appointment. The standard German-compliant route is Care Expatriate for long stays or Care Visa Protect for Schengen visits. How much does health insurance cost for a foreigner in Germany? (1) Schengen / short visitor stays: Care Visa Protect from €0.85/day. Three brackets. (2) Long-stay private Incoming cover: Care Expatriate from €58/month at ages 13–40, scaling by age band up to €432/month at age 61–74. (3) Statutory GKV via Krankenkasse: roughly 14.6% of gross salary plus the fund's Zusatzbeitrag, split with the employer — for employees below the JAEG ceiling of €77,400/year (2026). Can foreigners join the German statutory health insurance (GKV)? Employees with gross salary below the JAEG (€77,400/year, 2026) are GKV-mandatory through their employer. Yes, under specific conditions. International students under 30 enrol in GKV at matriculation. Family members of GKV-insured persons can join via Familienversicherung at no extra cost. Freelancers, retirees without GKV history and most short-term visitors are not eligible and need private Incoming cover like Care Expatriate. Which insurance do German embassies accept for the visa appointment? For Schengen C-visas: Care Visa Protect (or any policy meeting EU Regulation 810/2009 Art. 15 — €30,000 minimum medical cover, repatriation, valid in all Schengen states). For national D-visas leading to a residence permit (work, study, family reunification): Care Expatriate is the typical accepted Incoming insurance. Both are issued as bilingual PDF certificates that can be uploaded directly to the embassy portal. How fast do I get the insurance certificate? The certificate is accepted by German embassies, the Ausländerbehörde and German HR departments as Krankenversicherungsnachweis under § 5 AufenthG. Care Visa Protect, Care Economy and Care Expatriate certificates are issued automatically as bilingual PDF after online application — typically within minutes. What is the difference between Care Expatriate and substitutive German PKV? PKV premiums start at €58/month (Care Expatriate, age 13–40, § 193 VVG). Different products for different stages. Care Expatriate (Incoming insurance) is monthly, has no medical underwriting at entry, runs up to 5 years and is built for the early expat phase — Blue Card before payroll, freelancer permit, family reunion, Chancenkarte. Substitutive German PKV — Debeka, Signal Iduna, Allianz Krankenversicherung, Gothaer, Hallesche — is the long-term private alternative to GKV: medically underwritten, age-based, lifetime contract, only available to high earners above JAEG, civil servants and most self-employed. Most newcomers start with Care Expatriate and only consider PKV later, if at all. Do EU citizens need a German health insurance policy? EU pensioners moving to Germany use Form S1 (Regulation 883/2004) to register with a German Krankenkasse at home-country cost. Not for short stays — the EHIC card from the home country covers acute treatment. For employment in Germany, the employer enrols you in GKV from day one. Non-EU partners and parents joining the EU citizen typically need Care Expatriate until they qualify for GKV. How does the 14-day Anmeldung deadline affect health insurance? Anmeldung (address registration) is required within 14 days of moving in. Most Bürgeramt appointments ask for proof of a German address and a Krankenversicherungsnachweis. Without insurance proof, you cannot complete the Anmeldung, which blocks the tax ID, the bank account and the residence permit downstream. Buying Care Expatriate or Care Visa Protect online before arrival is the standard way foreigners meet the deadline. Which sub-page should I read next? The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Start with the audience that matches your visa: visa & Schengen, students & language school, expats & long-stay, foreign employees, retirees & pensioners, or blocked-account visa. Each sub-hub maps the recognised tariffs, embassy requirements and price brackets for that specific status. How to get health insurance in Germany as a foreigner — and do I need health insurance in Germany at all? The 2026 rate applies from January 1, 2026; check § 13a AufenthV / § 5 SGB V for the current thresholds. Short answer to 'do I need health insurance in Germany?' — yes, proof is mandatory for every visa, residence permit and Anmeldung file. How to get health insurance in Germany as a foreigner depends on the pathway. Health insurance for foreigners Germany splits into three rails: private Incoming Versicherung Aufenthaltstitel (Care Expatriate, Care Economy, Care Visa Protect — the typical Krankenversicherung Ausländer Deutschland for visa and family stays), statutory GKV via a Krankenkasse once an employer or university enrolment opens it, or substitutive PKV for high earners and most self-employed. How to apply for health insurance in Germany: pick the tariff that matches your visa, complete the online form, then attach the bilingual PDF to the embassy or Ausländerbehörde file. What is the cheapest private health insurance Germany for expats, and is it available in English? PKV premiums start at €58/month (Care Expatriate, age 13–40, § 193 VVG). The cheapest private health insurance Germany route for newcomers is Care Expatriate from €58/month at ages 13–40 — the standard monthly cost private health insurance Germany answer for the long-stay Incoming bracket. We still rate it as the best health insurance Germany expats option because the contract runs in two languages: a private health insurance Germany English speakers can actually read, delivered as a full health insurance Germany English contract suitable for HR, the embassy and the Ausländerbehörde. Private vs statutory health insurance Germany — how does GKV vs PKV foreigners Germany play out? GKV contribution: 17.8% of gross income up to €66,150/year (§ 241 SGB V, 2026 ceiling). On private vs statutory health insurance Germany, the GKV vs PKV foreigners Germany choice usually narrows fast. Salaried newcomers below the income ceiling go statutory — a Barmer Techniker AOK DAK comparison covers most of the market, and both Techniker Krankenkasse expats and DAK-Gesundheit foreigners run English call centres. Freelancers, founders and high earners weigh PKV. Non-EU health insurance Germany files for visa, study, family or retirement stays use private Incoming cover instead until a GKV trigger fires. Which tariff for which visa — Schengen, Blue Card, Chancenkarte, visitor? Visitors and 90-day Schengen entrants without a job offer use Care Economy visitor Germany before any statutory enrolment. Care Visa Protect Schengen meets the Schengen visa insurance 30000 EUR rule (EU Visa Code 810/2009) — the standard travel insurance Germany visa application route for tourists, parent visits and the entry phase of the Chancenkarte Krankenversicherung. Long-stay holders use Care Expatriate Germany — the Incoming product behind the EU Blue Card health insurance certificate that HR and the Ausländerbehörde recognise. Which legal rules drive the Krankenversicherungsnachweis at the Ausländerbehörde and Bürgeramt? (1) § 5 AufenthG sufficient cover — the test every Krankenversicherungsnachweis Aufenthaltstitel must pass at the Ausländerbehörde Krankenversicherungsnachweis Berlin München desks. Three rules cause most rejections. (2) The Anmeldung 14 days deadline Germany — Bürgeramt Anmeldung Krankenversicherung is the front-desk reality: most clerks ask for both the lease and a policy PDF on the spot. (3) The JAEG 77400 2026 income threshold above which employees may opt out of GKV. A Verpflichtungserklärung § 68 AufenthG insurance route shifts liability to the German host until the visitor presents an accepted policy. What about freelancers, seasonal workers and retirees? Seasonal workers use Care 01 Saisonarbeiter, with the employer reporting each day via the Care Concept Meldetool. For freelancers arriving in Germany, Care Expatriate is the standard bridge before any later PKV decision. For retirees, EU pensioners go the EHIC and Form S1 route to enrol with a German Krankenkasse at home-country cost, while non-EU retirees use Care Expatriate up to age 74. Is healthcare in Germany free — and what does it actually cost an expat? Baseline monthly premium: €30 (Care Economy) up to €432 (Care Expatriate Premium, ages 61–74). Healthcare in Germany is universal but not free: every resident has to hold a recognised contract, so the real question is which rail you pay into. As a rough orientation, short Schengen visits start around €0.85/day with Care Visa Protect; a long-stay residence permit runs from €58/month at ages 13–40 with Care Expatriate; and statutory cover with a Krankenkasse such as Techniker Krankenkasse, AOK, Barmer or DAK-Gesundheit lands near 16–17 % of your gross salary, split with the employer. So no, healthcare is not free — but it is heavily socialised, and your monthly cost stays predictable across all three of these routes. How does Familiennachzug (family reunification) work with German health insurance for expats? For Familiennachzug — a spouse, registered partner or minor children joining a resident — the Ausländerbehörde wants the same § 5 AufenthG-compliant Krankenversicherungsnachweis it asks of the main applicant. If the sponsor is already in statutory GKV, the joining family member usually enrols for free via Familienversicherung at the same Krankenkasse (TK, AOK, Barmer or DAK-Gesundheit). If the sponsor is on Incoming cover or PKV, the joining family member starts on Care Expatriate — no medical underwriting, valid for up to five years — until a GKV trigger fires. Care Expatriate is the cover most embassies see on family-reunification files alongside neutral alternatives such as HanseMerkur, Allianz Travel, Hallesche or Mawista; we recommend it because the bilingual certificate matches exactly what § 5 AufenthG asks for. ## Common search questions — quick answers **Quick answer:** Short answers to the long-tail questions foreigners type into Google and AI assistants — costs, English-speaking Krankenkassen, and the Bürgeramt Anmeldung paperwork. How much is health insurance in Germany for foreigners? It depends on age, stay length and visa type. For Schengen short stays, an Auslandskrankenversicherung Deutschland such as Care Visa Protect typically starts from €0.85/day. For long-stay expats, private health insurance Germany for English speakers (Care Expatriate, an Incoming-Versicherung recognised by the Ausländerbehörde) typically runs from €58/month at ages 13–40 up to €432/month at ages 61–74. Statutory GKV for employees below the JAEG ceiling (€77,400/year in 2026) is roughly 14.6% of gross salary plus the fund's Zusatzbeitrag, split with the employer. Which Krankenkassen offer English service for expats and non-EU citizens? The large statutory funds — Techniker Krankenkasse (TK), DAK-Gesundheit, Barmer and AOK — typically run English call centres and English member portals (Krankenkasse Englisch service). For health insurance for non-EU citizens in Germany that is not GKV-eligible (freelancers, retirees without GKV history, family reunion before payroll), Care Expatriate is the standard Incoming option and is sold and serviced fully in English. Do I need health insurance before the Bürgeramt Anmeldung? Yes — in practice you do. Most Bürgeramt appointments ask for a Krankenversicherungsnachweis at the counter; without it the Anmeldung is refused, which blocks the tax ID, the bank account and the Aufenthaltstitel. The standard expat health insurance Germany registration route is to buy Care Expatriate (long stay) or Care Visa Protect (short stay) online before arrival, then bring the bilingual PDF to the Bürgeramt within the 14-day deadline. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready to apply? Pick the recognised insurance for your visa. [Care Expatriate (long stay) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Visa Protect (Schengen) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing Editorial guidance only. Embassy and immigration-office requirements can vary by consulate, city and individual file; final acceptance always rests with the responsible authority. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 12, 2026.