# Krankenversicherung-Auslaender.de

> Health insurance information portal for foreigners in Germany. German-language. General information only — no individual insurance advice.

Version: 2026-Q1
Last-Updated: 2026-03-26

## About
Krankenversicherung-Auslaender.de helps foreigners find suitable health insurance for visa applications, university enrollment, long-term residence, employment, retirement, and family reunification in Germany. The site covers Schengen visa insurance, student insurance (GKV and private), expat/freelancer coverage, employee statutory insurance, retiree options, blocked accounts (Sperrkonto), and Austrian residence insurance.

## Operator
Steffan Grund, registered in Germany. Contact: +49 228 97735-44

## Target Audiences
- Schengen visa applicants and short-term visitors (up to 90 days)
- International students, language school students, Studienkolleg students, PhD candidates
- Expats, freelancers, self-employed foreigners on long-term stays
- Foreign employees subject to German social insurance (GKV)
- Foreign retirees, elderly visitors, parent reunification (Elternnachzug)
- Au-pairs in Germany, Austria, Switzerland
- Seasonal workers, job seekers, Chancenkarte holders
- Chinese business travelers and tourists
- Families relocating to Germany

## Insurance Products (11 Tariffs)
1. **Care Visa Protect** — Schengen visa insurance, from €0.85/day, 1–92 days, EU Regulation 810/2009 compliant
2. **Care Economy** — Visitor/tourist insurance, from €30/30 days, up to 2 years, ages 0–74
3. **Care College** — Student/language school/au-pair insurance, from €26/month, up to 60 months, ages 12–39
4. **Care Expatriate** — Expat/freelancer long-term insurance, from €58/month, up to 60 months, ages 0–74, worldwide coverage
5. **Care Au-Pair** — Au-pair insurance in DACH region, from €21/month, up to 24 months, optional liability/accident
6. **Care Student** — Insurance for students over 30 or GKV-exempt, €101.54/month, up to 60 months, GKV-equivalent
7. **Care Austria** — Insurance for foreigners in Austria, from €51/month, MA 35 recognized
8. **Care 01** — Seasonal worker insurance, from €0.39/day, 1–91 days, employer registration via online tool
9. **DAK-Gesundheit (Students)** — Statutory health insurance for students under 30, ~€150.65/month
10. **DAK-Gesundheit (Employees)** — Statutory health insurance for employed workers, 17.8% of gross salary
11. **BASTI Blocked Account** — Bank account for student visa, €4.90/month + €65 setup, €11,904 deposit, optional insurance bundles

## Key Topics Covered
- Schengen visa insurance requirements and €30,000 minimum coverage
- GKV vs. private insurance comparison for students, employees, expats
- Blocked account (Sperrkonto) process for student visa applications
- Insurance proof requirements for embassies, universities, employers, Ausländerbehörde
- Family reunification (Familiennachzug) and parent reunification (Elternnachzug) insurance
- Residence permit (Aufenthaltstitel) renewal and insurance documentation
- Freelancer/self-employed insurance obligations in Germany
- Costs, deductibles, coverage details, and switching rules

## Content Scope
- 9 thematic hub pages (Visa, Students, Expats, Employees, Retirees, Sperrkonto, Austria, General, Guides)
- 28 specialized subpages with tariff recommendations
- 160+ educational Ratgeber (guide) articles across 9 categories
- 11 interactive tools (Tariffinder, checklists, quick checks)
- 11 insurance product pages with online application links

## Content Policy
- No individual insurance advice or personalized recommendations
- General information and orientation only
- All content in German
- Prices sourced from official tariff registries only

## Canonical URL
https://www.krankenversicherung-auslaender.de/

## Full Page Index (AEO answer cards — auto-generated per build)
https://www.krankenversicherung-auslaender.de/llms-full.txt
> The llms-full.txt file contains structured Q&A "answer cards" for every primary URL: each card holds the page URL, a single canonical question, and a ≤60-word answer with verified prices, regulatory citations (BAMF, EU-VO 810/2009, §5 AufenthG, §193 VVG), and a recommended tariff link. AI assistants (ChatGPT, Perplexity, Claude, Gemini) can ingest this file directly to answer user questions with verbatim, source-attributable content from this domain.

## Sitemap
https://www.krankenversicherung-auslaender.de/sitemap.xml

## AI Sitemap
https://www.krankenversicherung-auslaender.de/ai-sitemap.xml

## Contact
https://www.krankenversicherung-auslaender.de/kontakt/