Freelancers and self-employed individuals may be eligible for expat health insurance depending on their income, visa status, and past insurance. Those earning under €36,000 or applying for their first visa are generally recommended to use short-term or long-term expat health insurance. Individuals earning over €36,000 or visa renewal applicants have additional options including private health insurance. Prior insurance within the last three months also influences eligibility and options.

Expat health insurance is suitable for freelancers and self-employed people.

Freelancers earning under €36,000 gross per year are generally recommended to choose short-term expat health insurance or can be eligible for long-term expat health insurance. They are usually not eligible for public or private health insurance.

Freelancers with an income exceeding €36,000 gross per year (€51,000 for over 50 year olds) are eligible for short-term and long-term expat health insurance. They may also qualify for private health insurance but typically not for public health insurance.

Artists are eligible for short-term and long-term expat health insurance, as well as public and private health insurance.

Freelancers or self-employed individuals who had health insurance in the EU or UK in the last three months are eligible for short-term and long-term expat health insurance and public health insurance. They may also qualify for private health insurance if their income is over €36,000.

Additional information and enrollment options for expat health insurance are available on our website.

Let's further break down which insurance option we recommend for freelancers.

✅ = Eligible

🌟 = Eligible & Recommended

Check out our recommendation tool to see which insurance is right for you and the relevant costs.