We have two separate expat products: expat health insurance, an affordable plan for temporary residents that can be used for up to 5 years, and long-term expat health insurance, which has no time limit and adds benefits like preventative care and psychotherapy. Both cover accidents, emergencies, and new illnesses, and both generally exclude pre-existing conditions and comprehensive preventative care. Public health insurance or private health insurance is recommended for full coverage once eligible.

Expat health insurance is an affordable plan for temporary residents of Germany that covers accidents, emergencies, and new illnesses. It can be used for up to 5 years from the date of entering Germany and starts at 72 euros per month. It is a visa-compliant incoming insurance intended for temporary stays, and it generally excludes treatment for pre-existing conditions and most comprehensive preventative care.

Long-term expat health insurance is a separate product that can be used indefinitely, with no 5-year limit. It is recommended for people who no longer qualify for expat health insurance, such as those whose 5-year limit has passed, and for those who are not yet eligible for public health insurance or private health insurance. In addition to accidents, emergencies, and new illnesses, it covers some preventative healthcare, holistic treatments, and psychotherapy. Like expat health insurance, it generally excludes treatment for pre-existing conditions.

Both our expat plans generally do not cover treatment for pre-existing medical conditions or comprehensive preventative care. Long-term expat health insurance includes some preventative care that expat health insurance does not. These limitations make both expat plans more affordable, but less complete than public health insurance or private health insurance.

Expat health insurance is a temporary option for recent arrivals to Germany who are not yet eligible for public health insurance or private health insurance. Long-term expat health insurance suits people who need coverage without a time limit but still cannot access public or private health insurance. Once eligible, enrolling in public health insurance or private health insurance is recommended for full medical coverage. You can check eligibility using our health recommendation tool.