Expat health insurance in Germany is a fully digital sign-up that takes a few minutes, with no documents to upload and instant approval. During sign-up you confirm your eligibility, choose the Basic Cover or Premium Cover plan, provide personal and payment details, and can add dependents as part of the flow. Pre-existing conditions do not need to be declared at sign-up, though they may be reviewed later if a related claim is submitted.
How do I get a quote and sign up for expat health insurance?
You can sign up for expat health insurance online in just a few minutes, and the process is fully digital. During sign-up, you confirm your eligibility, choose your plan, and add dependents to your coverage. To sign up, follow these steps:
Visit the expat health insurance page.
Select the option to get covered.
Enter your details, including your date of birth, occupation (and potentially your income), and arrival date in Germany, which confirms your eligibility for expat health insurance.
Choose your plan.
Continue to sign-up and create your account, or sign in if you already have one.
Confirm your personal details, including your preferred coverage start date and whether you have dependents to add.
Review your answers on the confirmation screen, and double-check that your name, email address, and date of birth contain no errors.
Provide your payment details.
Complete checkout to finalize your policy.
You do not need to upload any documents, and you'll be approved instantly.
Do I need to create an account to sign up for expat health insurance?
If it's your first time signing up with us, you'll be asked to create an account during the sign-up process. The account is set up as part of the sign-up flow, so you don't need to register separately beforehand.
Can I customize my expat health plan and add dependents when signing up?
Yes. During sign-up, you can choose between the Basic Cover and Premium Cover plans for expat health insurance. You can add dependents to your policy after signing up for your own policy. You can also get a quote and review the plan details before completing your purchase.
Do I need to declare pre-existing conditions when signing up for expat health insurance?
There is nothing to declare about pre-existing conditions when signing up for expat health insurance. If you later submit a claim, we will review the doctor's detailed reports related to that claim to check whether the condition existed before the policy start date, or whether the diagnosis implies a condition that would have been pre-existing.