Expat health insurance Newcomer and Extended plans are available for new arrivals and certain temporary residents. Individuals that stay in Germany for an extended period opf time must switch to German public or private health insurance. People employed by German companies with certain income levels, those over 75 years old, and others with specific conditions are not eligible for expat insurance. The insurance is designed for temporary use and not as a replacement for statutory or private health insurance for permanent residents.
Who is eligible for expat health insurance in Germany?
Expat health insurance is available for individuals who have recently relocated to Germany and are seeking their first health insurance plan. It also covers German citizens who have never lived in Germany but stay temporarily.
How long can expat health insurance be used in Germany?
Expat health insurance Newcomer plans provide coverage in Germany for up to five years from arrival. After five years, residents must switch to full public or private German health insurance. Those ineligible for public or private coverage can enroll in one of our Extended plans for longer-term coverage.
Who is not eligible for expat health insurance in Germany?
Several groups are not eligible for expat health insurance Newcomer plans, including:
Persons employed by a German company earning more than €556 per month.
Individuals who have lived in Germany for more than five years.
Persons aged 75 years or older.
Applicants for secondary visas or visa renewals.
People with pre-existing medical conditions that incur treatment costs exceeding €416.66 per month.
Individuals requiring permanent or high levels of care.
Professional athletes.
Is expat health insurance a substitute for public or private German health insurance?
Expat health insurance is not a substitute for German statutory or private health insurance. Individuals planning to make Germany their permanent residence should enroll in public or private health insurance as soon as possible.