German Expat Health Insurance Made Better
Save money compared to public insurance while enjoying superior coverage.
Special expat rates
High savings potential
English-speaking support
To make your life easier
Excellent coverage
With outstanding tariffs
Who can benefit from expat health insurance?
Flexible insurance solutions designed for internationals, professionals, and students living in Germany.
New arrivals
If you’re moving to Germany for the first time, expat health insurance is the perfect choice for you.
Freelancers & Self-employed
Ideal for freelancers seeking cost-effective coverage or those not eligible for public or private insurance.
Visa & residence permit seekers
Covers almost all first-time visas and renewals, including work and residence permits.
Students
For students enrolled in language schools or coding programs during their studies in Germany.
Post doctorates & researchers
Highly trained professionals who are neither university students nor salaried employees.
Mini-jobbers or interns
For those earning less than €556/month or doing short-term internships in Germany.
Why get expat health insurance?
Expat health insurance (sometimes called "incoming insurance") is a flexible solution for newcomers to Germany — whether you're self-employed, a student, researcher, or simply relocating for new opportunities. It's designed for both short-term and long-term stays.
Fast & easy digital claims
File and manage claims online: just take a photo of your invoice and submit it through your digital account.
Coverage tailored to your needs
Whether you're planning to stay for a few years and need basic coverage, or long term and need comprehensive coverage. We have got you covered.
Health Insurance in Germany
Flexible, legally compliant health insurance for students and employees.
Fully Flexible Plans
Choose your country, select an appropriate plan, and add optional benefits as available.
Plans that fit your needs →
Complete Health Coverage
From hospitalization and repatriation to everyday medical care — everything you need, in one plan.
Comprehensive protection →
100% Digital Experience
Sign up online, access documents instantly, and manage claims easily from anywhere in the world.
Quick. Simple. Paperless. →
Support Anytime, Anywhere
Our international support team is available 24/7 to assist you in your preferred language.
We're here for you →Which Expat tariff suits you best?
Maximum freedom of choice with first-class medical care.
Basic
- Multi-bed hospital room
- 100% outpatient treatment
- Basic digital services
- Limited visual aids
Premium
- Single-bed hospital room
- Private doctor access
- Extended digital services
- Higher visual & remedy limits
Get insured in 3 easy steps
Fill out your details
Tell us where you're going and select your package. Takes less than 2 minutes.
Get your quote
Receive a personalised quote in seconds. Compare plans and pick what fits best.
Sign up & get covered
Approve your plan and get your policy document instantly. Zero paperwork.
Frequently asked questions
Everything you need to know about private health insurance in Germany.