--- title: "From €0.85/day · Family Reunification Cover · Germany 2026" description: "Health Insurance for Family Reunification Parent Reunification for Foreigners: recognized health insurance from €0.85/day, €30,000 minimum cover Germany." 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 Family Reunification and Parent Reunification in Germany", "description": "Health Insurance for Family Reunification Parent Reunification for Foreigners: recognized health insurance from €0.85/day, €30,000 minimum cover Germany.", "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": "2026-09-13", "dateModified": "2026-09-07", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Bundesagentur für Arbeit", "url": "https://en.wikipedia.org/wiki/Federal_Employment_Agency" }, { "@type": "Thing", "name": "Ausländerbehörde", "url": "https://en.wikipedia.org/wiki/Foreigners%27_authority" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "HowTo", "name": "How to secure health insurance for family reunification to Germany", "description": "Procedure to obtain a recognised health insurance policy for a spouse or child joining a resident in Germany under § 27–36 Aufenthaltsgesetz (AufenthG).", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Confirm the residence permit basis", "text": "Verify which AufenthG paragraph applies (spouse §§ 28/30, child §§ 32/33) — the visa officer wants matching insurance duration." }, { "@type": "HowToStep", "position": 2, "name": "Buy Care Economy for the visa window", "text": "Purchase Care Economy (from €30/30 days for ages bis 64 J.) to cover the visa application and the first weeks after entry." }, { "@type": "HowToStep", "position": 3, "name": "Complete Anmeldung after arrival", "text": "Register the address (Anmeldung) at the local Bürgeramt within 14 days of arrival — required for any statutory enrollment." }, { "@type": "HowToStep", "position": 4, "name": "Switch to GKV or Care Expatriate", "text": "If the sponsor is in GKV, apply for family insurance (free). Otherwise take Care Expatriate (from €58/month) for long-term stays up to 60 months." }, { "@type": "HowToStep", "position": 5, "name": "Send proof to the Ausländerbehörde", "text": "Upload the new insurance certificate to the Ausländerbehörde before the Care Economy policy expires to keep the residence permit active." } ], "totalTime": "PT1H", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Visa & Schengen for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/" }, { "@type": "ListItem", "position": 3, "name": "Family & Parent Reunification in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Which insurance is accepted for parent family-reunification visas (§ 36 AufenthG)?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy or Care Expatriate — both cover ages up to 74. Care Economy runs from €88.50 / 30 days for ages 65–74; Care Expatriate is €58–€432/month with a €150 deductible. Foreigners' offices accept both under § 36 AufenthG once residence permit is granted. See /en/insurance-plans/care-expatriate/overview/." } }, { "@type": "Question", "name": "Do reunited parents need to switch to statutory GKV after arriving?", "acceptedAnswer": { "@type": "Answer", "text": "No — parents on § 36 AufenthG residence permits stay on private incoming insurance (Care Expatriate or Care Economy) because GKV membership is not automatic. Care Expatriate covers pre-existing chronic conditions after a 3-month qualifying period; details on /en/insurance-plans/care-expatriate/overview/." } }, { "@type": "Question", "name": "Which insurance is required for a family-reunion visa to Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy from €30/30 days for the visa application, then Care Expatriate from €58/month for long-term cover after arrival — both accepted under § 36 AufenthG. Compare on /en/insurance-plans/care-expatriate/overview/." } }, { "@type": "Question", "name": "Are elderly parents accepted by the insurer?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Economy and Care Expatriate both cover ages 0–74 without medical examination, provided no pre-existing conditions are present at booking. Premium for ages 61–74 runs €125–€432/month depending on tier. See /en/insurance-plans/care-expatriate/overview/." } }, { "@type": "Question", "name": "How long does the Ausländerbehörde require insurance for?", "acceptedAnswer": { "@type": "Answer", "text": "The immigration office accepts proof for the full residence-permit duration (typically 12 months under § 36 AufenthG). Both Care Economy (up to 24 months) and Care Expatriate (up to 60 months) issue PDF certificates upfront — /en/insurance-plans/care-expatriate/overview/." } }, { "@type": "Question", "name": "What insurance do parents need for family reunion in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Parents joining their children in Germany (Elternnachzug/family reunification) typically need health insurance recognized by the Ausländerbehörde (immigration office). Options include incoming insurance for the transition period (from €30/30 days) or long-term private insurance like Care Expatriate (from €58/month, up to 5 years). The insurance certificate is required for the visa application. → Compare Care Economy from €30/30 days." } }, { "@type": "Question", "name": "Do I need separate health insurance for each family member in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. German immigration authorities (Ausländerbehörde) require a separate insurance certificate for each person applying for a residence permit — including spouse and children. In the public system (GKV), dependents may qualify for free family insurance (Familienversicherung). In private insurance, each person needs their own insurance policy with adequate medical coverage." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance is accepted for parent family-reunification visas (§ 36 AufenthG)?", "text": "Which insurance is accepted for parent family-reunification visas (§ 36 AufenthG)?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Economy or Care Expatriate — both cover ages up to 74. Care Economy runs from €88.50 / 30 days for ages 65–74; Care Expatriate is €58–€432/month with a €150 deductible. Foreigners' offices accept both under § 36 AufenthG once residence permit is granted. See /en/insurance-plans/care-expatriate/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do reunited parents need to switch to statutory GKV after arriving?", "text": "Do reunited parents need to switch to statutory GKV after arriving?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — parents on § 36 AufenthG residence permits stay on private incoming insurance (Care Expatriate or Care Economy) because GKV membership is not automatic. Care Expatriate covers pre-existing chronic conditions after a 3-month qualifying period; details on /en/insurance-plans/care-expatriate/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance is required for a family-reunion visa to Germany?", "text": "Which insurance is required for a family-reunion visa to Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Economy from €30/30 days for the visa application, then Care Expatriate from €58/month for long-term cover after arrival — both accepted under § 36 AufenthG. Compare on /en/insurance-plans/care-expatriate/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Are elderly parents accepted by the insurer?", "text": "Are elderly parents accepted by the insurer?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care Economy and Care Expatriate both cover ages 0–74 without medical examination, provided no pre-existing conditions are present at booking. Premium for ages 61–74 runs €125–€432/month depending on tier. See /en/insurance-plans/care-expatriate/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long does the Ausländerbehörde require insurance for?", "text": "How long does the Ausländerbehörde require insurance for?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The immigration office accepts proof for the full residence-permit duration (typically 12 months under § 36 AufenthG). Both Care Economy (up to 24 months) and Care Expatriate (up to 60 months) issue PDF certificates upfront — /en/insurance-plans/care-expatriate/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What insurance do parents need for family reunion in Germany?", "text": "What insurance do parents need for family reunion in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Parents joining their children in Germany (Elternnachzug/family reunification) typically need health insurance recognized by the Ausländerbehörde (immigration office). Options include incoming insurance for the transition period (from €30/30 days) or long-term private insurance like Care Expatriate (from €58/month, up to 5 years). The insurance certificate is required for the visa application. → Compare Care Economy from €30/30 days.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need separate health insurance for each family member in Germany?", "text": "Do I need separate health insurance for each family member in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. German immigration authorities (Ausländerbehörde) require a separate insurance certificate for each person applying for a residence permit — including spouse and children. In the public system (GKV), dependents may qualify for free family insurance (Familienversicherung). In private insurance, each person needs their own insurance policy with adequate medical coverage.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-visa-foreigners-germany/health-insurance-for-family-reunification-parent-reunification-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-07", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) 1. [Home](/en/) 2. [Visa & Schengen for Germany](/en/health-insurance-visa-foreigners-germany/) 3. Family & Parent Reunification in Germany # Health Insurance for Family Reunification and Parent Reunification in Germany Sources: §§ 27–36 AufenthG (Familiennachzug) · § 5 AufenthG · EU Regulation 810/2009 Art. 15 · German Federal Foreign Office · BAMF · HanseMerkur AVB · Care Concept AG **Bringing a spouse, child or elderly parent to Germany under family reunification (Familiennachzug, §§ 27–36 AufenthG) requires recognised health insurance from day one of the visa application.** The German consulate checks the same EU rule applied to every Schengen application — at least €30,000 medical cover plus medically necessary repatriation — and the Ausländerbehörde then re-checks it at the residence-permit stage under § 5 AufenthG. Without proof, the reunification visa is refused or the family permit is delayed by weeks. For the visa application and the first months in Germany, [Care Economy from €30 / 30 days](/en/insurance-plans/care-economy/overview/) (up to age 64) is the standard recognised short-term tariff. Once the residence permit is issued and the family stays longer than two years, [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (ages 0–74, up to 5 years) is the standard long-term Incoming tariff — including for parents aged 60+ where age 41–60 starts from €68/month and age 61–74 from €246/month. Below: the two-stage cover plan (visa stage → post-arrival long-term), exact age-bracket prices for elderly parents, the four mistakes families make at the embassy, and how to obtain the certificate online in under 10 minutes. Trusted Providers Care Concept · HanseMerkur · DAK where applicable Visa Proof Proof of insurance for embassy or consulate documents Fast Online Process Receive the available confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 7, 2026** Sources§§ 27–36 AufenthG · § 5 AufenthG · EU Regulation 810/2009 Art. 15 · German Federal Foreign Office · BAMF · HanseMerkur Versicherungsgruppe Hamburg · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Family reunification visa for Germany? Pick the recognised tariff for the visa stage. [Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/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 - Family reunion (Familiennachzug) and parent reunion to Germany typically requires Care Economy. - Older parents (aged 61–74) often switch to Care Expatriate after arrival for long-term cover up to 5 years. - Both tariffs are typically accepted by the Ausländerbehörde under § 5 AufenthG and the German embassy abroad. Key facts at a glance Reviewed September 7, 2026 - **Visa stage (spouse / child / parent):** Care Economy from €30 / 30 days for ages up to 64, scaling with age — meets the €30,000 EU minimum and the German consulate's repatriation requirement. (Source: EU Regulation 810/2009 Art. 15(1)). - **Post-arrival long-term (residence permit > 2 years):** Care Expatriate from €58/month (ages 13–40). Parents aged 41–60 from €68/month, parents aged 61–74 from €246/month — accepted by the Ausländerbehörde under § 5 AufenthG. (Source: TARIF\_META & age-bracket registry (HanseMerkur)). - **Age-cap & medical exam:** Care Expatriate covers ages 0–74 with no medical examination required at booking. Pre-existing conditions and pregnancy are excluded by the insurer's terms. (Source: HanseMerkur AVB / Care Concept AG). - **Switching from visa-stage to long-term:** Families typically switch from Care Economy to Care Expatriate when the residence permit is issued. The PDF certificate is reissued instantly so the Ausländerbehörde can re-stamp the permit without delay. (Source: § 5 AufenthG (sufficient subsistence)). ## Four reasons family reunification applications get refused on the insurance point **Quick answer:** "We submitted insurance — why was the family visa refused?" — most refusals on the insurance point fall into four buckets: cover below €30,000, missing repatriation clause, dates not covering the full requested period, or a Schengen-only tariff for a national D-visa stay. Care Economy and Care Expatriate remove all four by default. ## Avoid the mistakes that can delay your application ### Schengen proof missing? For short Schengen stays, choose insurance that meets the €30,000 minimum-coverage requirement. ### Short stay or longer stay? Care Visa Protect fits many 1–92 day Schengen visits; Care Economy may fit longer or more flexible stays. ### Wrong insurance can cost time Before your embassy appointment, check that the proof matches your visa type, dates and destination. ### Multiple entries planned? If you travel more than once, check the multiple-entry option and the annual day limit before applying. ## What an uninsured day in Germany really costs an elderly parent ## 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. 🇪🇺 €30,000 minimum Schengen proof must be clear Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits. - 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. ## Embassy slots for family reunification fill weeks ahead — secure the certificate first ## Why act before the embassy appointment Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits. 📅 Appointments can be limited If the proof is missing or unsuitable, preparing corrected documents can cost valuable time. ⚡ PDF certificate after application Care Visa Protect provides the certificate by email after successful online application. 🛡️ €30,000 minimum coverage Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area. 💶 From €0.85/day Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip. ## From booking to embassy-ready PDF — in 3 steps 10 minutes online. PDF certificate by email immediately after payment. Upload to VIDEX or hand it in at the consulate appointment together with the family-reunification application. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What families bringing a spouse, child or elderly parent to Germany under § 27–36 AufenthG say about Care Economy at the visa stage and the switch to Care Expatriate after arrival — €30,000+ medical cover, repatriation, all 27 Schengen states, instant PDF for the consulate appointment, and senior age brackets up to 74 with predictable monthly premiums 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 family-reunification tariffs — visa stage and post-arrival 📘 Visa stage · 1 day–2 yrs ### 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 🛡️ Post-arrival · up to 5 yrs ### 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 Planning a short pre-reunification visit (≤92 days) on a Schengen visa first? [Care Visa Protect from €0.85/day (up to 64) · from €2.60/day (65–74)](/en/insurance-plans/care-visa-protect/overview/) (minimum €8.50 per trip, up to €50,000) is the cheapest recognised Schengen-only option. Need the embassy checklist? See the [5-point Schengen-visa insurance requirements](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/). Ready to apply? See the step-by-step [Schengen-visa application guide](/en/schengen-visa-health-insurance-application-germany/). ## Care Economy — all prices by age band & duration **Quick answer:** Care Economy costs from €30 per 30 days for ages up to 64 and scales with age up to ages 65–74. Term 1 day to 2 years, designed for family reunification visa stays beyond the 92-day Schengen limit, accepted by the Ausländerbehörde under § 5 AufenthG. Care Economy Duration Bestseller up to 64 up to 64 Bestseller 65+ 65+ no deductible with deductible no deductible with deductible up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day 91–180 days €1.59/day €1.35/day €4.37/day €3.70/day 181–365 days €2.30/day €1.95/day €5.84/day €4.95/day 366–730 days €2.83/day €2.40/day €9.32/day €7.90/day All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026. [Care Economy — Overview](/en/insurance-plans/care-economy/overview/) [Apply now](/en/insurance-plans/care-economy/overview/) ## Care Expatriate — all prices by age band & tier **Quick answer:** Care Expatriate covers ages 0–74 with up to 5 years of cover. Premium starts at €58/month (ages 13–40), €68/month for ages 41–60 and €246/month for ages 61–74 — the standard long-stay tariff after the family-reunification residence permit is issued. Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ## Frequently asked questions about family-reunification health insurance ## Frequently Asked Questions Which insurance is accepted for parent family-reunification visas (§ 36 AufenthG)? Care Economy or Care Expatriate — both cover ages up to 74. Care Economy runs from €88.50 / 30 days for ages 65–74; Care Expatriate is €58–€432/month with a €150 deductible. Foreigners' offices accept both under § 36 AufenthG once residence permit is granted. See /en/insurance-plans/care-expatriate/overview/. Do reunited parents need to switch to statutory GKV after arriving? No — parents on § 36 AufenthG residence permits stay on private incoming insurance (Care Expatriate or Care Economy) because GKV membership is not automatic. Care Expatriate covers pre-existing chronic conditions after a 3-month qualifying period; details on /en/insurance-plans/care-expatriate/overview/. Which insurance is required for a family-reunion visa to Germany? Care Economy from €30/30 days for the visa application, then Care Expatriate from €58/month for long-term cover after arrival — both accepted under § 36 AufenthG. Compare on /en/insurance-plans/care-expatriate/overview/. Are elderly parents accepted by the insurer? Yes — Care Economy and Care Expatriate both cover ages 0–74 without medical examination, provided no pre-existing conditions are present at booking. Premium for ages 61–74 runs €125–€432/month depending on tier. See /en/insurance-plans/care-expatriate/overview/. How long does the Ausländerbehörde require insurance for? The immigration office accepts proof for the full residence-permit duration (typically 12 months under § 36 AufenthG). Both Care Economy (up to 24 months) and Care Expatriate (up to 60 months) issue PDF certificates upfront — /en/insurance-plans/care-expatriate/overview/. What insurance do parents need for family reunion in Germany? Parents joining their children in Germany (Elternnachzug/family reunification) typically need health insurance recognized by the Ausländerbehörde (immigration office). Options include incoming insurance for the transition period (from €30/30 days) or long-term private insurance like Care Expatriate (from €58/month, up to 5 years). The insurance certificate is required for the visa application. → [Compare Care Economy from €30/30 days](/en/insurance-plans/care-economy/overview/). Do I need separate health insurance for each family member in Germany? Yes. German immigration authorities (Ausländerbehörde) require a separate insurance certificate for each person applying for a residence permit — including spouse and children. In the public system (GKV), dependents may qualify for free family insurance (Familienversicherung). In private insurance, each person needs their own insurance policy with adequate medical coverage. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Embassy appointment booked? Pick the recognised family-reunification tariff that meets every checklist point. [Care Economy from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/)[Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 7, 2026.