--- title: "From €58/mo · Long-Term Insurance Foreigners Germany 2026" description: "Long-term Incoming health insurance for foreigners staying 6 months to 5 years in Germany. Care Expatriate from €58/month, recognized by immigration." 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": "Long-Term Health Insurance for Foreigners in Germany | Prices by Age", "description": "Long-term Incoming health insurance for foreigners staying 6 months to 5 years in Germany. Care Expatriate from €58/month, recognized by immigration.", "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": "2026-08-18", "dateModified": "2026-08-15", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [ { "@type": "Thing", "name": "Long-term health insurance for foreigners in Germany" }, { "@type": "Thing", "name": "Care Expatriate" }, { "@type": "Thing", "name": "Incoming insurance" }, { "@type": "Thing", "name": "Aufenthaltstitel (residence permit)" }, { "@type": "Thing", "name": "§ 5 AufenthG" }, { "@type": "Thing", "name": "Family reunification" }, { "@type": "Thing", "name": "Niederlassungserlaubnis" }, { "@type": "Thing", "name": "EU Blue Card" }, { "@type": "Thing", "name": "expat health insurance Germany" }, { "@type": "Thing", "name": "§ 9 AufenthG (settlement permit)" }, { "@type": "Thing", "name": "Anwartschaftsversicherung" }, { "@type": "Thing", "name": "Long-term residence permit Germany" } ], "mentions": [ { "@type": "Thing", "name": "Care Expatriate (EN overview)", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/" }, { "@type": "Thing", "name": "Care Economy (EN overview)", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-economy/overview/" }, { "@type": "Thing", "name": "Expat health insurance Germany (EN hub)", "url": "https://www.krankenversicherung-auslaender.de/en/expat-health-insurance-germany/" }, { "@type": "Thing", "name": "Health insurance for foreign freelancers (EN)", "url": "https://www.krankenversicherung-auslaender.de/en/expat-health-insurance-germany/health-insurance-foreign-freelancers-germany/" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Insurance broker for long-term Incoming insurance (foreigners in Germany)", "knowsAbout": [ "Long-term health insurance for foreigners in Germany", "Care Expatriate (HanseMerkur Incoming)", "§ 5 AufenthG residence permit insurance proof", "Family reunification insurance Germany", "Freelancer / self-employed health insurance Germany" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "https://www.krankenversicherung-auslaender.de/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/", "https://www.krankenversicherung-auslaender.de/ueber-uns/" ] }, { "@context": "https://schema.org", "@type": "DefinedTermSet", "name": "Long-term 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": "Incoming insurance", "description": "Private health insurance designed for foreigners coming to Germany who do not have access to the statutory system (GKV). Example: Care Expatriate (HanseMerkur), up to 5 years duration.", "inDefinedTermSet": "Long-term insurance for foreigners in Germany — Glossary" }, { "@type": "DefinedTerm", "name": "Aufenthaltstitel (residence permit)", "description": "Official authorisation for non-EU nationals to live legally in Germany. Issuance under § 5 (1) no. 1 AufenthG requires proof of adequate health insurance.", "termCode": "§ 5 AufenthG", "inDefinedTermSet": "Long-term insurance for foreigners in Germany — Glossary" }, { "@type": "DefinedTerm", "name": "§ 5 AufenthG", "description": "Section 5 of the German Residence Act listing the general prerequisites for residence permits, including secured living and recognised health insurance cover.", "sameAs": "https://www.gesetze-im-internet.de/aufenthg_2004/__5.html", "inDefinedTermSet": "Long-term insurance for foreigners in Germany — Glossary" }, { "@type": "DefinedTerm", "name": "Niederlassungserlaubnis (settlement permit)", "description": "Unlimited German residence permit under § 9 AufenthG, typically issued after 5 years of legal residence with secured livelihood and recognised health insurance.", "termCode": "§ 9 AufenthG", "sameAs": "https://www.gesetze-im-internet.de/aufenthg_2004/__9.html", "inDefinedTermSet": "Long-term insurance for foreigners in Germany — Glossary" }, { "@type": "DefinedTerm", "name": "Anwartschaftsversicherung", "description": "Dormant-cover option that preserves the right to switch back into private health insurance without a new medical underwriting, used by long-term foreigners temporarily leaving Germany.", "inDefinedTermSet": "Long-term insurance for foreigners in Germany — Glossary" } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which private health insurance for foreigners over 30 in Germany makes sense?", "text": "Which private health insurance for foreigners over 30 in Germany makes sense?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate is the standard long-term private Incoming insurance for foreigners over 30 without GKV access: from €58/month (ages 13–40), from €68/month (41–60), from €246/month (61–74) in the Basic tier (HanseMerkur AVB). Up to 5 years duration, typically accepted by the Ausländerbehörde under § 5 AufenthG for residence permits. Case-by-case review; not legal advice.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/#faq", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Who pays health insurance for non-EU foreigners in Germany?", "text": "Who pays health insurance for non-EU foreigners in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Employees with a regular German payroll contract typically join statutory cover (GKV); the employer pays roughly half the contribution. Freelancers, self-employed residents, foreign retirees and family-reunion residents without GKV access typically pay a private Incoming premium themselves (e.g. Care Expatriate from €58/month). Sponsors signing a § 68 AufenthG declaration of commitment can be held liable if the resident is uninsured. Case-by-case review; not legal advice.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/#faq", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@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": "Expat Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/expat-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Long-Term Health Insurance for Foreigners in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/" } ] }, { "@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": "HowTo", "name": "How to get long-term Incoming health insurance for foreigners in Germany", "description": "Three-step process for foreigners staying 6 months to 5 years in Germany — pick a recognised private medical insurance for expats, apply online, and forward the PDF certificate to the Ausländerbehörde for the residence permit under § 5 AufenthG.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the plan that fits your residence", "text": "Choose Care Expatriate (long-stay up to 5 years, from €58/month) or Care Economy (bridge up to 2 years, from €30 per 30 days). Both are German-recognised Incoming products for non-EU citizens without GKV access." }, { "@type": "HowToStep", "position": 2, "name": "Apply online and receive the PDF certificate", "text": "Complete the online application in about 10 minutes. The insurer typically issues the PDF insurance certificate by email within minutes — accepted as proof of health insurance for the German residence permit." }, { "@type": "HowToStep", "position": 3, "name": "Forward the certificate to the Ausländerbehörde", "text": "Send the PDF to the immigration office (Ausländerbehörde) and, if applicable, to your employer or university. Acceptance is decided case by case under § 5 AufenthG — this is editorial guidance, not legal advice." } ], "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": "What is long-term Incoming insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Care Economy: from €30 per 30 days for visitors and short stays (up to age 64). It is private Incoming health insurance designed for foreign residents staying 6 months to 5 years in Germany — Care Expatriate is the standard product, typically accepted by the Ausländerbehörde under § 5 AufenthG for residence permits." } }, { "@type": "Question", "name": "Is Care Expatriate a substitutive private insurance (PKV)?", "acceptedAnswer": { "@type": "Answer", "text": "No — after 5 years, residents typically transition to GKV or full PKV depending on income and status. Care Expatriate is private Incoming, not substitutive PKV." } }, { "@type": "Question", "name": "Can I include my family in the same Care Expatriate contract?", "acceptedAnswer": { "@type": "Answer", "text": "Each insured person needs their own contract, but family applications can be processed together. Premiums are calculated per person based on age." } }, { "@type": "Question", "name": "Which private health insurance for foreigners over 30 in Germany makes sense?", "acceptedAnswer": { "@type": "Answer", "text": "It is typically accepted by the Ausländerbehörde under § 5 AufenthG for residence permits and runs up to 5 years — case-by-case review by the authority; not legal advice. For foreigners over 30 who do not have access to statutory cover (GKV), Care Expatriate is the standard private Incoming insurance: from €58/month for ages 13–40, from €68/month for 41–60 and from €246/month for 61–74 (Basic tier, HanseMerkur AVB)." } }, { "@type": "Question", "name": "Who pays health insurance for non-EU foreigners in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month). In most cases the resident pays the premium themselves. Employees with a regular German payroll contract typically join statutory cover (GKV) — the employer pays roughly half the contribution. Freelancers, self-employed residents, foreign retirees and family-reunion residents without GKV access typically pay a private Incoming premium (e.g. Sponsors who sign a § 68 AufenthG declaration of commitment can be held financially liable if the resident is uninsured — case-by-case review; not legal advice." } }, { "@type": "Question", "name": "How much does German health insurance cost for foreigners?", "acceptedAnswer": { "@type": "Answer", "text": "Short-stay private medical insurance for expats in Germany starts around €30 per 30 days (Care Economy) or €0.85/day for Schengen visits (Care Visa Protect). It depends on age, status and product. For a private long-stay Incoming plan, Care Expatriate is the typical benchmark: from €58/month for ages 13–40, from €68/month for 41–60, and from €246/month for 61–74 (Basic tier with €150 deductible, HanseMerkur AVB). Employees in statutory cover (GKV) pay roughly 17.8% of gross salary, shared with the employer. Figures are indicative — final premiums depend on the case." } }, { "@type": "Question", "name": "Can I keep my home-country insurance while living in Germany long-term?", "acceptedAnswer": { "@type": "Answer", "text": "Usually not for the Ausländerbehörde. EU/EEA residents with an EHIC or S1 form may be accepted in specific situations, but for non-EU citizens the immigration office typically requires a German-recognised certificate (PDF) — that is why long-stay residents switch to a German Incoming product such as Care Expatriate (up to 5 years). Acceptance is decided case by case by the embassy or Ausländerbehörde; this page is not legal advice." } }, { "@type": "Question", "name": "What does long-term health insurance for foreigners cover in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Long-term Incoming insurance provides comprehensive medical coverage: outpatient visits, hospital stays, dental emergencies, prescription medication and medical repatriation. Care Expatriate starts at €58/month (ages 13–40) and runs up to 5 years, with an instant PDF certificate typically accepted by the Ausländerbehörde for the residence permit — case-by-case review; not legal advice." } }, { "@type": "Question", "name": "Is long-term Incoming insurance accepted for the German residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "The certificate includes the full name, validity period, and coverage amount required under § 5 AufenthG. Yes — the Care Expatriate PDF certificate (KV-Nachweis) is typically accepted by German immigration offices (Ausländerbehörde) and German embassies worldwide as valid proof of insurance for the residence permit. Final acceptance is at the discretion of the authority; this page is not legal advice." } }, { "@type": "Question", "name": "How long should health insurance run for a stay in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Usually for as long as the stay is planned — and not shorter. The premium is set by the entry age at the start of the contract: from €58/month in the 13–40 age band, from €68/month in the 41–60 band (example values, Basic) — around €600 difference over 60 months. Care Expatriate can be taken out up to the age of 74." } }, { "@type": "Question", "name": "Monthly or a single payment — what is the difference?", "acceptedAnswer": { "@type": "Answer", "text": "Both are possible and the price is the same — there is no discount for paying in one go. The difference lies in the risk: if a direct debit goes unpaid it can affect the insurance cover, and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit." } }, { "@type": "Question", "name": "What happens to the premium already paid if I return early?", "acceptedAnswer": { "@type": "Answer", "text": "If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is usually refunded minus a €5 processing fee (source: Care Concept FAQ). The financial risk of paying in advance is therefore typically €5, not the remaining balance." } }, { "@type": "Question", "name": "What applies if the visa is not granted?", "acceptedAnswer": { "@type": "Answer", "text": "If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover starts. Premiums already paid are usually refunded minus a €5 processing fee (source: Care Concept FAQ)." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is long-term Incoming insurance?", "text": "What is long-term Incoming insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Economy: from €30 per 30 days for visitors and short stays (up to age 64). It is private Incoming health insurance designed for foreign residents staying 6 months to 5 years in Germany — Care Expatriate is the standard product, typically accepted by the Ausländerbehörde under § 5 AufenthG for residence permits.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care Expatriate a substitutive private insurance (PKV)?", "text": "Is Care Expatriate a substitutive private insurance (PKV)?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — after 5 years, residents typically transition to GKV or full PKV depending on income and status. Care Expatriate is private Incoming, not substitutive PKV.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I include my family in the same Care Expatriate contract?", "text": "Can I include my family in the same Care Expatriate contract?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Each insured person needs their own contract, but family applications can be processed together. Premiums are calculated per person based on age.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which private health insurance for foreigners over 30 in Germany makes sense?", "text": "Which private health insurance for foreigners over 30 in Germany makes sense?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "It is typically accepted by the Ausländerbehörde under § 5 AufenthG for residence permits and runs up to 5 years — case-by-case review by the authority; not legal advice. For foreigners over 30 who do not have access to statutory cover (GKV), Care Expatriate is the standard private Incoming insurance: from €58/month for ages 13–40, from €68/month for 41–60 and from €246/month for 61–74 (Basic tier, HanseMerkur AVB).", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Who pays health insurance for non-EU foreigners in Germany?", "text": "Who pays health insurance for non-EU foreigners in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Expatriate from €58/month). In most cases the resident pays the premium themselves. Employees with a regular German payroll contract typically join statutory cover (GKV) — the employer pays roughly half the contribution. Freelancers, self-employed residents, foreign retirees and family-reunion residents without GKV access typically pay a private Incoming premium (e.g. Sponsors who sign a § 68 AufenthG declaration of commitment can be held financially liable if the resident is uninsured — case-by-case review; not legal advice.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does German health insurance cost for foreigners?", "text": "How much does German health insurance cost for foreigners?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Short-stay private medical insurance for expats in Germany starts around €30 per 30 days (Care Economy) or €0.85/day for Schengen visits (Care Visa Protect). It depends on age, status and product. For a private long-stay Incoming plan, Care Expatriate is the typical benchmark: from €58/month for ages 13–40, from €68/month for 41–60, and from €246/month for 61–74 (Basic tier with €150 deductible, HanseMerkur AVB). Employees in statutory cover (GKV) pay roughly 17.8% of gross salary, shared with the employer. Figures are indicative — final premiums depend on the case.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I keep my home-country insurance while living in Germany long-term?", "text": "Can I keep my home-country insurance while living in Germany long-term?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Usually not for the Ausländerbehörde. EU/EEA residents with an EHIC or S1 form may be accepted in specific situations, but for non-EU citizens the immigration office typically requires a German-recognised certificate (PDF) — that is why long-stay residents switch to a German Incoming product such as Care Expatriate (up to 5 years). Acceptance is decided case by case by the embassy or Ausländerbehörde; this page is not legal advice.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does long-term health insurance for foreigners cover in Germany?", "text": "What does long-term health insurance for foreigners cover in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Long-term Incoming insurance provides comprehensive medical coverage: outpatient visits, hospital stays, dental emergencies, prescription medication and medical repatriation. Care Expatriate starts at €58/month (ages 13–40) and runs up to 5 years, with an instant PDF certificate typically accepted by the Ausländerbehörde for the residence permit — case-by-case review; not legal advice.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is long-term Incoming insurance accepted for the German residence permit?", "text": "Is long-term Incoming insurance accepted for the German residence permit?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The certificate includes the full name, validity period, and coverage amount required under § 5 AufenthG. Yes — the Care Expatriate PDF certificate (KV-Nachweis) is typically accepted by German immigration offices (Ausländerbehörde) and German embassies worldwide as valid proof of insurance for the residence permit. Final acceptance is at the discretion of the authority; this page is not legal advice.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long should health insurance run for a stay in Germany?", "text": "How long should health insurance run for a stay in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Usually for as long as the stay is planned — and not shorter. The premium is set by the entry age at the start of the contract: from €58/month in the 13–40 age band, from €68/month in the 41–60 band (example values, Basic) — around €600 difference over 60 months. Care Expatriate can be taken out up to the age of 74.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Monthly or a single payment — what is the difference?", "text": "Monthly or a single payment — what is the difference?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Both are possible and the price is the same — there is no discount for paying in one go. The difference lies in the risk: if a direct debit goes unpaid it can affect the insurance cover, and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to the premium already paid if I return early?", "text": "What happens to the premium already paid if I return early?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is usually refunded minus a €5 processing fee (source: Care Concept FAQ). The financial risk of paying in advance is therefore typically €5, not the remaining balance.", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What applies if the visa is not granted?", "text": "What applies if the visa is not granted?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover starts. Premiums already paid are usually refunded minus a €5 processing fee (source: Care Concept FAQ).", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-15", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "AboutPage", "@id": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/#entities", "url": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/", "inLanguage": "en", "about": [ { "@type": "Thing", "name": "Bundesamt für Migration und Flüchtlinge (BAMF)", "sameAs": [ "https://www.wikidata.org/wiki/Q161568", "https://www.bamf.de/" ] }, { "@type": "Organization", "name": "HanseMerkur Reiseversicherung AG", "sameAs": [ "https://www.wikidata.org/wiki/Q1577900", "https://www.hansemerkur.de/" ] }, { "@type": "Legislation", "name": "Aufenthaltsgesetz (Residence Act)", "sameAs": [ "https://www.wikidata.org/wiki/Q316032", "https://www.gesetze-im-internet.de/aufenthg_2004/" ] }, { "@type": "Thing", "name": "Gesetzliche Krankenversicherung (Statutory health insurance, GKV)", "sameAs": [ "https://www.wikidata.org/wiki/Q1572681" ] } ] }, { "@context": "https://schema.org", "@type": "ItemList", "@id": "https://www.krankenversicherung-auslaender.de/en/long-term-health-insurance-foreigners-in-germany/#recommended-list", "name": "Recommended long-term Incoming health insurance for foreigners in Germany", "inLanguage": "en", "itemListOrder": "https://schema.org/ItemListOrderAscending", "numberOfItems": 2, "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Care Expatriate — long-stay private Incoming insurance (up to 5 years)", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-expatriate/overview/" }, { "@type": "ListItem", "position": 2, "name": "Care Economy — bridge cover (up to 2 years)", "url": "https://www.krankenversicherung-auslaender.de/en/insurance-plans/care-economy/overview/" } ] } ] --- 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/) 1 Step 1/3: Check plan (you are here) › 2 Step 2/3: Get PDF proof › 3 Step 3/3: Submit to authority [Compare Plans & Proof →](#recommended) [Care Expatriate from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [ Price from €58/mo Care Expatriate (ages 13–40) ](#recommended)[ Speed PDF in minutes Insurance proof by email ](#recommended)[ Acceptance Immigration office Typically accepted under § 5 AufenthG ](#recommended) 1. [Home](/en/) 2. [Expat Insurance in Germany](/en/expat-health-insurance-germany/) 3. Long-Term Health Insurance for Foreigners in Germany No recognised long-term insurance proof? The Ausländerbehörde will not issue or renew your residence permit (§ 5 AufenthG). ![Long-term health insurance for foreigners in Germany — Aufenthaltstitel proof](/assets/aufenthaltserlaubnis-rentner-deutschland--SjhSpkd.jpg) Long-term residents need recognised health insurance for every Aufenthaltstitel renewal. # Long-Term Health Insurance for Foreigners in Germany | Prices by Age 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) By **Steffan Grund**Insurance broker for long-term Incoming insurance · Reviewed August 18, 2026 Sources§ 5 AufenthG · § 257 SGB V · HanseMerkur AVB · Care Concept AG · BAMF · Auswärtiges Amt “PDF in minutes, Ausländerbehörde accepted it on the spot.” — R. K. (Berlin), EU Blue Card Quotes from internal customer feedback, anonymised and shortened. **Plan:** Check plan → Get PDF proof → Submit to the Ausländerbehörde. › **Popular with long-term residents from** — show country list Pakistan (Islamabad, Karachi, Lahore), India (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai), Bangladesh, Sri Lanka, Nepal, Türkiye, Iran, Iraq, Syria, Lebanon, Egypt, Morocco, Tunisia, Algeria, Nigeria, Ghana, Kenya, Ethiopia, the Philippines, Indonesia, Vietnam, Thailand, China, Brazil, Colombia, Mexico, Ukraine, Russia, Kosovo, Serbia, Bosnia, North Macedonia and Albania. Used since 2009 by applicants worldwide — typically accepted nationwide in Germany by the Ausländerbehörden (incl. LEA Berlin, KVR Munich, Hamburg, Frankfurt, Cologne, Stuttgart, Düsseldorf) and the German embassy network under § 5 AufenthG. Accepted: Ausländerbehörde (typically) Typically recognised in Germany Embassy practice GDPR/EU Typically accepted at the Ausländerbehörde appointment (§ 5 AufenthG, case-by-case) Bilingual policy DE/EN — for HR, hospital and authorities Cover starts immediately — no waiting period, no medical questionnaire (within policy terms) Pay by credit card from abroad — no German bank account, no SCHUFA needed [ Tariff premium Care Expatriate from €58/mo ⟷ Residence permit delay 12.5 h of paperwork avoided across 5 years ⟷ Destatis 2025 German hospital: ~€830/night (Indicative DKG hospital day-rate 2024 — varies by Bundesland and hospital) ](#tarife) No commitment · monthly cancellation · confirmation by email (typically immediate). Indicative: around €1,000 in lost gross weekly wages at the German median per week of residence-permit delay (source: Destatis median earnings 2024) — Care Expatriate premium for the same week: about €14. **Staying in Germany 6 months to 5 years and locked out of statutory insurance (GKV)?** That is the typical situation for expats, freelancers, foreign retirees and family-reunion residents searching for private medical insurance for expats in Germany or German health insurance for non-EU citizens. The Ausländerbehörde typically will not issue or renew the residence permit without a German-recognised proof of cover (§ 5 AufenthG) — acceptance is decided case by case. For long stay visa medical insurance Germany — including EU Blue Card holders, Niederlassungserlaubnis applicants and self-employed expats — the standard private path is [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (ages 13–40, Basic tier with €150 deductible; 1 to 60 months — premiums scale by age band up to 74; incoming health insurance Germany 5 years cap). For a shorter bridge — visitor stays, Chancenkarte arrival or family reunion visa Germany insurance up to 2 years — the lighter option is [Care Economy from €30 per 30 days](/en/insurance-plans/care-economy/overview/). Other long-tail searches that land here: _long-term residence permit Germany_, _Niederlassungserlaubnis foreigners_ (§ 9 AufenthG settlement permit after five years), _expat insurance over 5 years Germany_ (typically bridged via an Anwartschaftsversicherung and a switch into GKV or full PKV), _retiring long-term in Germany_ and _Aufenthaltstitel health insurance proof_. All of these scenarios share the same hard requirement: a German-recognised PDF proof of cover before the Ausländerbehörde appointment. Below we explain how the Ausländerbehörde verifies long-term cover, when Care Expatriate beats other Incoming products, and how premiums move with age — plus what happens after the 5-year cap (transition into GKV or full substitutive PKV depending on income and status). Editorial guidance for private health insurance for foreigners over 30 in Germany and for non-EU residents asking who pays the premium. Acceptance is decided case by case by the embassy or Ausländerbehörde — this page is not legal advice. Stay & Residence Cover Insurance options for longer stays in Germany or Austria Residence Documents Proof for visa, residence permit or authority documents Online Application Receive the available confirmation after successful application ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 15, 2026** Sources§ 5 AufenthG · § 257 SGB V · HanseMerkur Krankenversicherung AG · Care Concept AG · BAMF · Auswärtiges Amt 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Long-stay in Germany? Pick the long-term Incoming plan that fits your residence. [Care Expatriate (long-stay) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (bridge · up to 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/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 - Long-term Incoming insurance covers 6 months to 5 years from €58/month (Care Expatriate, age 13–40). - Standard solution for expats, freelancers, retirees and family reunification when GKV is not an option. - Typically accepted by the Ausländerbehörde (immigration office) under § 5 AufenthG for the residence permit; instant PDF certificate after application. Key facts at a glance Reviewed August 15, 2026 - **Care Expatriate (long-term):** from €58/month (ages 13–40, Basic tier with €150 deductible). Premiums scale by age band: 41–60 from €68/month, 61–74 from €246/month. Contracts run 1 month up to 5 years (60 months) per HanseMerkur AVB. See the full age-band table below. (Source: HanseMerkur AVB). - **Care Economy (bridge):** Care Economy from €1.00/day (≈ €30 per 30 days) for ages up to 64 with deductible. Up to 2 years — useful as a bridge before Care Expatriate when the residence permit is still pending. (Source: HanseMerkur AVB · Care Concept price table). - **Recognition:** Care Expatriate is typically accepted by the Ausländerbehörde for residence permits under § 5 AufenthG when statutory cover (GKV) is not available. PDF certificate is issued instantly online. (Source: § 5 AufenthG). - **After 5 years:** Care Expatriate is private Incoming, not substitutive PKV. After the 5-year cap, residents typically transition to GKV (employees, students under 30) or full substitutive PKV depending on income and status. (Source: § 257 SGB V · HanseMerkur AVB). ## The four worries many long-stay foreigners in Germany have **Quick answer:** "Can I just keep my home-country insurance for 3 years?" — Usually not for the German Ausländerbehörde. They typically require a German-recognised long-term certificate (private medical insurance for expats in Germany or German health insurance for non-EU citizens). Below are the four pain points we see again and again with EU Blue Card holders, freelancers, family-reunion residents and foreign retirees — and how each is solved with the right Incoming tariff. Acceptance is decided case by case. ## 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. ## Quick reality check: what an uninsured long stay in Germany can cost ## 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 act before your residence permit appointment ## 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 long-term covered in 3 steps 10 minutes of effort. PDF certificate by email — forwardable to the Ausländerbehörde and your employer or university. ## 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 expats, freelancers, foreign retirees and family-reunion residents in Germany say about getting long-term Incoming cover (Care Expatriate), the Ausländerbehörde acceptance and renewing their residence permit 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 long-term Incoming insurance — by case ⭐ Long-stay · 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 🧳 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 ## Care Expatriate — all prices by age & tier **Quick answer:** Care Expatriate — the recommended long-term private Incoming tariff for foreigners staying in Germany from 6 months up to 5 years — starts at €58/month for ages 13–40 (Basic tier with €150 deductible) and scales by age band (41–60 from €68; 61–74 from €246). Three tiers (Basic / Comfort / Premium) are available; the PDF certificate is typically accepted by the Ausländerbehörde for residence permits under § 5 AufenthG. 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/) ## How long should the health insurance run? **Quick answer:** **Usually for as long as the stay is planned to last — and not shorter.** The premium is set by the entry age at the start of the contract and stays in that age band for the whole term. Anyone who extends later typically signs a new contract at the age they are by then. Term comparison over five years — example values, Basic, age band 13–40 (€58/month) Term Premium/month Total Renewals needed Pre-existing-condition gap 12 months €58 €696 4 possible (2×) 24 months €58 €1,392 2 possible (1×) 60 months €58 €3,480 0 none ### Is a 41st birthday coming up? In the 13–40 age band the Basic premium is €58/month; in the 41–60 band it is €68/month (example values). The difference is around €10 a month — roughly €600 over 60 months. What counts is the age at the start of the contract, not the age during the term. Concretely: someone who chooses a 60-month term at 40 pays the 13–40 band for five years, rather than the 41–60 band from their 41st birthday onwards. ### When the renewal falls due A policy with a twelve-month term typically expires at close to the point the residence permit (Aufenthaltstitel) also needs extending. Both then fall in the same weeks: new contract, new proof of cover, new appointment at the foreigners' authority (Ausländerbehörde) — often under time pressure. A longer term decouples the two dates. There is also the practical effort: every renewal means passport details, proof of address and personal information again — usually gathered by relatives in Germany while the insured person is still abroad. ### What is different at renewal Conditions that first arise during a running contract are, as a rule, covered within that contract. In a contract taken out later they typically count as a pre-existing condition — and pre-existing conditions are usually excluded in incoming tariffs. The older the insured person, the more likely it is that a diagnosis falls between two contracts, and that diagnosis then usually counts as pre-existing in the follow-up contract. A continuous term avoids that gap. A gap can also open up between two contracts — days without cover, which may become visible when the residence permit is next extended. A continuous term avoids that. A fixed term also means planning certainty for the family: the premium is set for the whole duration, with no annual recalculation. For context: Care Expatriate can be taken out up to the age of 74. ### Monthly or a single payment? **Quick answer:** **Both are possible, and the price is the same — there is no discount for paying in one go.** The difference lies in the risk: if a direct debit goes unpaid, that can affect the insurance cover — and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit. That matters above all where the premiums are paid by relatives in Germany: a job change, a change of bank or one tight month then has no bearing on the insured person's residence status. Where the premium is transferred from abroad, one payment replaces up to sixty individual transfers — each with its own bank charges and exchange rate. ### What happens on an early return? If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is, as a rule, refunded minus a €5 processing fee (source: Care Concept FAQ). So someone who pays 60 months in advance and returns after two years gets the premium for the unused months back — the financial risk of paying in one go is therefore €5, not the remaining balance. ### And if the visa is not granted? If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover begins. Premiums already paid are, as a rule, refunded minus a €5 processing fee (source: Care Concept FAQ). ## Frequently Asked Questions What is long-term Incoming insurance? Care Economy: from €30 per 30 days for visitors and short stays (up to age 64). It is private Incoming health insurance designed for foreign residents staying 6 months to 5 years in Germany — Care Expatriate is the standard product, typically accepted by the Ausländerbehörde under § 5 AufenthG for residence permits. Is Care Expatriate a substitutive private insurance (PKV)? No — after 5 years, residents typically transition to GKV or full PKV depending on income and status. Care Expatriate is private Incoming, not substitutive PKV. Can I include my family in the same Care Expatriate contract? Each insured person needs their own contract, but family applications can be processed together. Premiums are calculated per person based on age. Which private health insurance for foreigners over 30 in Germany makes sense? It is typically accepted by the Ausländerbehörde under § 5 AufenthG for residence permits and runs up to 5 years — case-by-case review by the authority; not legal advice. For foreigners over 30 who do not have access to statutory cover (GKV), Care Expatriate is the standard private Incoming insurance: from €58/month for ages 13–40, from €68/month for 41–60 and from €246/month for 61–74 (Basic tier, HanseMerkur AVB). Who pays health insurance for non-EU foreigners in Germany? Care Expatriate from €58/month). In most cases the resident pays the premium themselves. Employees with a regular German payroll contract typically join statutory cover (GKV) — the employer pays roughly half the contribution. Freelancers, self-employed residents, foreign retirees and family-reunion residents without GKV access typically pay a private Incoming premium (e.g. Sponsors who sign a § 68 AufenthG declaration of commitment can be held financially liable if the resident is uninsured — case-by-case review; not legal advice. How much does German health insurance cost for foreigners? Short-stay private medical insurance for expats in Germany starts around €30 per 30 days (Care Economy) or €0.85/day for Schengen visits (Care Visa Protect). It depends on age, status and product. For a private long-stay Incoming plan, Care Expatriate is the typical benchmark: from €58/month for ages 13–40, from €68/month for 41–60, and from €246/month for 61–74 (Basic tier with €150 deductible, HanseMerkur AVB). Employees in statutory cover (GKV) pay roughly 17.8% of gross salary, shared with the employer. Figures are indicative — final premiums depend on the case. Can I keep my home-country insurance while living in Germany long-term? Usually not for the Ausländerbehörde. EU/EEA residents with an EHIC or S1 form may be accepted in specific situations, but for non-EU citizens the immigration office typically requires a German-recognised certificate (PDF) — that is why long-stay residents switch to a German Incoming product such as Care Expatriate (up to 5 years). Acceptance is decided case by case by the embassy or Ausländerbehörde; this page is not legal advice. What does long-term health insurance for foreigners cover in Germany? Long-term Incoming insurance provides comprehensive medical coverage: outpatient visits, hospital stays, dental emergencies, prescription medication and medical repatriation. Care Expatriate starts at €58/month (ages 13–40) and runs up to 5 years, with an instant PDF certificate typically accepted by the Ausländerbehörde for the residence permit — case-by-case review; not legal advice. Is long-term Incoming insurance accepted for the German residence permit? The certificate includes the full name, validity period, and coverage amount required under § 5 AufenthG. Yes — the Care Expatriate PDF certificate (KV-Nachweis) is typically accepted by German immigration offices (Ausländerbehörde) and German embassies worldwide as valid proof of insurance for the residence permit. Final acceptance is at the discretion of the authority; this page is not legal advice. How long should health insurance run for a stay in Germany? Usually for as long as the stay is planned — and not shorter. The premium is set by the entry age at the start of the contract: from €58/month in the 13–40 age band, from €68/month in the 41–60 band (example values, Basic) — around €600 difference over 60 months. Care Expatriate can be taken out up to the age of 74. Monthly or a single payment — what is the difference? Both are possible and the price is the same — there is no discount for paying in one go. The difference lies in the risk: if a direct debit goes unpaid it can affect the insurance cover, and the residence permit rests on that cover. With a single payment the cover no longer depends on an ongoing bank debit. What happens to the premium already paid if I return early? If the stay ends earlier than planned, the contract can be cancelled in writing. The overpaid premium is usually refunded minus a €5 processing fee (source: Care Concept FAQ). The financial risk of paying in advance is therefore typically €5, not the remaining balance. What applies if the visa is not granted? If the entry visa is not granted, or entry does not take place for other reasons, the application can be cancelled in writing before the insurance cover starts. Premiums already paid are usually refunded minus a €5 processing fee (source: Care Concept FAQ). 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready to apply? Pick the long-term Incoming plan that fits your residence. [Care Expatriate (long-stay) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Economy (bridge · up to 2 years) from €30 / 30 days (up to 2 years) ](/en/insurance-plans/care-economy/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing Short Schengen visit only (≤ 92 days)? [Care Visa Protect (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) is the EU 810/2009-compliant short-stay option. 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: August 15, 2026.