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 (ages 0–49, scaling with age) 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 (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
Over 10,000 policies issued · Since 2009
Family reunification visa for Germany? Pick the recognised tariff for the visa stage.
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.
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€500–€1,500
Emergency doctor visit
One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added.
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€2,000–€10,000+
Hospital treatment
If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros.
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€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.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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Submit your proof
Receive the PDF certificate after successful online application and submit it with your visa or authority documents.
What 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
“My biggest worry was that the embassy wouldn't accept the insurance.
The proof was accepted immediately — no questions asked.
That saved me a lot of stress.”
Georges
Cameroon
“I needed proof of insurance urgently for my visa appointment.
The confirmation arrived within minutes by email.
Everything worked first time at the embassy.”
Olga
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“The online sign-up was done in just a few minutes.
When I actually had to see a doctor, the billing went smoothly.
I was really covered — not just on paper.”
Yunhee
Australia
Now choose your plan
Recommended family-reunification tariffs — visa stage and post-arrival
Care Economy
from only €30.00 / 30 days (coverage up to 2 years)
For guests, tourists, family visits, job seekers & the German Opportunity Card
- Proof of insurance for visas & immigration authorities within minutes
- Affordable coverage from €1.00 per day
- Doctor, hospital & dental emergency coverage
- Suitable for Schengen visas, the Opportunity Card & family visits
- Flexible coverage from 1 day up to 2 years
- Coverage in Germany, the EU & the Schengen Area
- 24/7 assistance + digital insurance card
- Age-based rates: from €1.00/day up to age 64 · from €2.95/day for ages 65–74
- Coverage term: 1 day to 2 years · entry age 0–74
- Reputable insurance carrier
Why Care Economy?
For anyone who needs fast, affordable proof of health insurance — ideal for guests, visitors, tourists, family visits or job seekers, with doctor/clinic coverage subject to the policy terms and benefits.
Why a 2-year coverage term?
More flexibility when plans are uncertain: if your visa, trip or stay is extended, you avoid last-minute renewal stress and reduce the risk of a coverage gap.
- 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
- 📄 Instant proof of insurance for visas & immigration authorities (PDF)
- 🔒 Doctor, clinic, dental emergency & repatriation coverage
- 🏷️ From €30 / 30 days · up to 2 years possible
→ Complete the application, receive your instant PDF, submit your proof
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
→ 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 (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. Ready to apply? See the step-by-step Schengen-visa application guide.
Care Economy — all prices by age band & duration
Quick answer: Care Economy costs from €30 per 30 days for ages 0–49 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 |
Bestsellerup to 64
|
up to 64
|
Bestseller65+
|
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 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 18–29), €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 Expatriateworldwide without USA, Canada and Mexico |
Basic
|
BestsellerComfort
|
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.
Frequently asked questions about family-reunification health insurance
Frequently Asked Questions
Which insurance is required for a family reunion visa to Germany?
For the visa application, Care Economy (short-term Incoming) is sufficient. After arrival, most families switch to Care Expatriate for long-term cover or join the German GKV through the sponsor.
Are elderly parents accepted by the insurer?
Yes. Care Economy covers ages 0–74 and Care Expatriate covers ages 0–74 — both accept seniors without medical examination if booked before pre-existing conditions appear.
How long does the Ausländerbehörde require insurance for?
The immigration office accepts proof for the full residence-permit duration (typically 1 year), which both tariffs can provide upfront via PDF certificate.
Over 10,000 policies issued · Since 2009