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What is expat health insurance?

When we talk about "expat health insurance," here's what we mean.

Rob Schumacher avatar
Written by Rob Schumacher
Updated over 2 months ago

Short term expat plan

  • Generally the cheapest health insurance option, with our short term plans starting at 72 euros per month

  • Can be used for up to 5 years from the date you entered Germany.

  • If you intend to stay in Germany longer than 5 years, then we recommend you explore your eligibility for public insurance or private insurance, or look into our long term policy

  • Cover for accidents, emergencies, and new illnesses

  • Sometimes referred to as "incoming insurance"

  • You can sign up to our short term expat health plan here.

Long term expat plan

  • Can be used used indefinitely, but is generally recommended for those who can no longer use short term expat (eg because the 5 year limit has lapsed) and for those who are not yet eligible for public or full private health.

  • Cover for accidents, emergencies, and new illnesses, as well as some additional care such as preventative care, holistic care, and psychotherapy.

  • Sometimes referred to as "incoming insurance"

Important information to note

This kind of care does not cover treatment of pre-existing conditions or preventative care (with some exceptions on our long term expat plan).

That's why it's one of the cheaper insurance options in Germany and also why we only recommend using it for a short period of time. Furthermore, if you are eligible for public or private health insurance, then we would almost always recommend you choose one of these options instead to make sure that you are fully covered.

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