Affordable Long-Term Health Insurance for Foreigners in Germany — Expats, Families, Retirees & Parents
From €58/month · up to 5 years · entry age 0–74 · Overview & Quick StartFrom just €58/month (up to 5 years possible) · entry age 0–74 — Overview & Quick Start
Renowned insurer
HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
Visa & renewal
Proof often needed for embassy, visa and residence-permit situations.
Proof of cover
Useful for many visa, authority, university and employer situations.
Documents instantly
Download minutes after applying & present.
A quick check — then apply with confidence:
- Stay covered for up to 5 years — sign up once, with no yearly renewal hassle. Entry age 0–74.
- Affordable long-term coverage: expats, freelancers, self-employed people, posted workers, emigrants, families, retirees and parents.
- Use real medical cover — doctor, dentist and hospital treatment within the tariff benefits.
- Get help when something happens — 24/7 emergency line + digital insurance card — help at 3am, in English, worldwide.
- Need proof quickly? Documents are sent by email after applying — useful for many visa, residence-permit, university and employer situations.
- Age-based rates: from €58/month ages 13–40 · from €68/month ages 41–60 · from €246/month ages 61–74, depending on plan and deductible.
Why Care Expatriate?
Starting a regular job with a German employer? Then statutory health insurance (GKV) may be required. → See DAK-Gesundheit
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Plan at a glance
🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG
📄 Instant proof for residence permit & authorities
🔒 Outpatient + inpatient + medical repatriation
💶 Visa refused? Premium refunded on request, only a €5 admin fee is retained.
🏷️ from €58/month (up to 5 years)
Visa refused?
Premium is refundable on request — submit the rejection letter; a small €5 admin fee applies.
📍 Preparing for a visa or Ausländerbehörde appointment?
For long-term stays in Germany, many applicants need health insurance proof before submitting documents to an embassy, consulate or local Ausländerbehörde. This is relevant in major cities such as Berlin, Munich, Hamburg, Frankfurt, Cologne, Stuttgart, Düsseldorf, Leipzig, Bonn and Bremen. Care Expatriate can be a suitable long-term private insurance option for many cases, but final document requirements depend on your authority, embassy and personal situation.
Care Expatriate — all prices by age & deductible
| 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.
Next step
Read plan details
Review variants and coverage overview.
Start the online application
Fill in the form & submit — confirmation of cover within minutes.
Confirmation
Insurance confirmation in minutes — simply print and present, e.g. at doctor appointments, for visa applications/renewals, and at authorities.
Frequently Asked Questions
Not the right plan yet?
No problem — compare all options at your own pace and find the best fit:
Note: We do not provide insurance advice. Content is for general information and orientation only. All information without guarantee, errors and omissions excepted.