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    Health Insurance for Foreigners in Germany
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    Care Economyfrom €30 / 30 days (up to 2 years)

    Formal Obligation (Verpflichtungserklärung) for Foreigners in Germany

    Sources: § 68 AufenthG · § 5 AufenthG · EU Regulation 810/2009 Art. 15 · BAMF · HanseMerkur AVB · Care Concept AG

    One signature, full financial liability. With a Verpflichtungserklärung (formal obligation / sponsorship declaration) under § 68 AufenthG you, the host in Germany, personally guarantee every cost of your visitor — including hospital stays that routinely exceed €830 per day. The single cheapest way to remove that medical liability is to make sure the visitor arrives with a recognised Incoming health insurance.

    For invited visitors the standard private path is Care Economy from €30 / 30 days (ages 0–64 entry; up to age 74; 1 day to 2 years). For Schengen invitations of 92 days or less, Care Visa Protect from €0.85/day is typically cheaper and meets the EU 810/2009 Art. 15 minimum of €30,000 medical cover with repatriation. Both PDF certificates are typically accepted by German embassies and the Ausländerbehörde.

    Below: how the sponsorship form works, the documents the Ausländerbehörde requires from the host, the ~€29 administrative fee, and which Incoming tariff removes the host's hospital-cost liability for short visits, family reunification and longer stays.

    Schengen Insurance

    Care Visa Protect by HanseMerkur Reiseversicherung AG

    Schengen Visa Proof

    Meets the €30,000 Schengen insurance requirement

    PDF Certificate

    Available after successful online application

    4.9/5

    Over 10,000 policies issued · Since 2009

    Inviting a guest to Germany? Pick the cover that removes your medical liability.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing
    4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued

    The four worries almost every sponsoring host has

    Quick answer: "Doesn't a Verpflichtungserklärung already cover the medical costs?" — No. The sponsorship makes you liable, it does not insure your guest. To remove the medical risk you need a recognised Incoming tariff in the visitor's name. Below are the four pain points we see most often, and how each one is solved with the right Care plan.

    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 hospital visit costs the host

    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 the embassy appointment of your guest

    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 the visitor certificate in 3 steps

    10 minutes online. PDF certificate issued instantly — forwardable to your guest, the German embassy and the Ausländerbehörde alongside your sponsorship declaration.

    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. 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. Complete the application

      Enter passport, destination, stay details and requested coverage period online. Additional questions may apply depending on the plan.

    3. Submit your proof

      Receive PDF confirmation after successful application and submit it to the embassy, consulate or immigration authority if requested.

    What German hosts and their invited guests from Eastern Europe, Asia, Latin America and North Africa say about combining a Verpflichtungserklärung (sponsorship declaration) under § 68 AufenthG with Care Economy or Care Visa Protect to remove the host's medical liability

    4.9/5 · Since 2009 · Over 10,000 policies issued
    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

    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

    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

    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

    Yunhee

    Australia

    Now choose your plan

    4.9/5 · Since 2009 · Over 10,000 policies issued

    Care Economy — all prices by age and duration

    Quick answer: Care Economy is the standard private Incoming tariff for invited visitors. Premiums start at €30 / 30 days for ages 0–64 (with deductible) and scale up for ages 65–74. Entry age 0–74; term: 1 day to 2 years. The PDF certificate is regularly accepted by every German embassy and the Ausländerbehörde — and it removes the host's medical liability under § 68 AufenthG.

    Care Economy
    Duration
    Bestsellerup to 64
    up to 64
    Bestseller65+
    65+
    no deductible with deductible no deductible with deductible
    up to 90 days €1.18/day €1.00/day €3.48/day €2.95/day
    91–180 days €1.59/day €1.35/day €4.37/day €3.70/day
    181–365 days €2.30/day €1.95/day €5.84/day €4.95/day
    366–730 days €2.83/day €2.40/day €9.32/day €7.90/day

    All prices per day/person in euros. Minimum premium €10 per person and term. Deductible is the share you pay yourself. Entry age 0–74. As of 2026.

    Frequently Asked Questions

    Why does the host need the visitor to have insurance?

    Without separate health insurance, § 68 AufenthG makes the host personally liable for any medical and hospital costs of the visitor. Care Economy / Care Visa Protect transfers that risk to the insurer.

    Which tariff is best for an invited visitor with Verpflichtungserklärung?

    For ≤92-day stays, Care Visa Protect is cheapest. For longer family visits, Care Economy is the standard solution designed to satisfy § 5 AufenthG.

    How much liability is removed by the insurance?

    Up to the medical sum insured (up to €50,000 on Care Visa Protect / Care Economy) — covering the bulk of hospital and treatment costs the host would otherwise have to pay.

    4.9/5

    Over 10,000 policies issued · Since 2009

    Ready to remove your liability? Pick the visitor cover that fits your invitation.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing

    Sponsoring a guest who later applies for a long-term residence permit? Care Expatriate (up to 5 years) is the standard follow-on tariff for residence permits under § 5 AufenthG.