Affordable long-term health insurance for foreigners in Germany
from €58/month · up to 5 years · Plan Detailsfrom just €58.00 / month (up to 5 years possible) – Plan Details & Coverage
Good choice — here you'll see the three tiers (Basic, Comfort, Premium) and their benefits in detail.
Which plan may fit me best?
- Basic: lower monthly price, higher cost awareness because of deductible.
- Comfort: balanced option for many long-term stays.
- Premium: higher monthly price, but more comfort. Lower/no deductible options depending on the selected variant.
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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.
📍 Used across Germany
Used by applicants at Ausländerbehörden in Berlin, Munich, Hamburg, Frankfurt, Cologne, Stuttgart, Düsseldorf and at German embassies worldwide.
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.
What does deductible mean?
A deductible is the amount you may need to pay yourself per insurance year before the insurer reimburses covered costs. A higher deductible can reduce the monthly premium, but it can also mean higher out-of-pocket costs if treatment is needed.
When you're ready: start your application in a few minutes
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.