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    Health Insurance for Foreigners in Germany
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    Employer Proof Check: What HR Typically Asks at the Job Start in Germany

    Use this free, source-based check to see what insurance proof a German embassy or the German Ausländerbehörde (immigration office) commonly expects in your situation. Recognized tariffs from €0.85/day (Care Visa Protect) to long-term Care Expatriate are linked where applicable — no sales pressure.

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    Frequently asked questions

    What documents does HR need for starting a job in Germany?

    HR requires the health-insurance membership certificate (Mitgliedsbescheinigung), your social security number, tax ID, bank details and — for foreign employees — the work permit or residence title. DAK-Gesundheit issues the certificate online within minutes.

    Can I start working without German health insurance?

    No — the employer cannot complete the Anmeldung without proof of German statutory insurance (GKV) or a formal PKV exemption. Enrol in DAK-Gesundheit online before your first day to get the certificate immediately.

    What insurance do seasonal workers need in Germany?

    Seasonal workers (agriculture, hospitality) working 1–91 days per year use Care 01, priced at €0.39–0.48/day depending on volume (minimum premium €5). The employer handles the notification via the Care Concept portal. Optional add-ons: accident and liability cover.

    How is GKV contribution calculated for foreign employees in Germany?

    17.8% of gross salary (2026), split evenly: 8.9% employee, 8.9% employer. Employer files the notification via DEÜV within 6 weeks of employment start (§ 28a SGB IV). Family members are co-insured free of charge under DAK-Gesundheit if income under €535/month (2026).

    When must HR receive the insurance certificate from a new hire?

    The employer needs it to trigger the SV-Meldung (social insurance registration) within 6 weeks under § 28a SGB IV. Latest: by the first day of employment. Missing certificate blocks salary payment and Lohnsteuer setup — enrol in DAK-Gesundheit at least 2 weeks before the start date.

    Choose your situation

    Visa insurance

    Schengen & national visa

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    Student insurance

    GKV & private (Care College)

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    Expat & freelancer

    Care Expatriate, long-term

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    Employees

    DAK-Gesundheit, GKV

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    Retirees & seniors

    Care Expatriate / S1 form

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    Tools & checks

    Tariff finder, requirement checks

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