Stay Duration-Check: Short Stay or Long-Term – Which Versicherungskategorie passt? in Germany

Stays over 90 days require a national visa (Type D) and comprehensive cover. Care Economy covers up to 2 years, Care Expatriate up to 5 years. Employees join GKV (e.g. DAK-Gesundheit); students under 30 also join GKV; over-30 students use Care Student.

GKV cancellation notice: 2 months (§ 175 SGB V), effective end of the following month. Yes — Care Economy can bridge the first weeks after arrival and be cancelled monthly. Care Expatriate or GKV then takes over for the main stay. The insurer can issue a fresh certificate for the Ausländerbehörde at any time.

Yes: tourists and short visitors use Care Visa Protect; students under 30 join GKV; students over 30 use Care Student; language-course applicants use Care College; freelancers and expats use Care Expatriate; employees use GKV.

Short stay = up to 90 days within any 180-day rolling window under EU Regulation 810/2009 (Schengen Visa Code). Beyond 90 days, a national D-visa is required. Care Visa Protect (from €0.85/day, max 92 days) covers the entire short-stay window; Care Economy starts once you exceed 90 days.

Language students use Care College (up to 60 months) instead. 6–12 months typically requires a Type D national visa and Care Economy (up to 2 years, from €30/30 days for ages 0–49) or Care Expatriate (up to 5 years, from €58/month) — depending on visa purpose.