Expat health insurance renews automatically every month. There is nothing you need to do to extend or maintain your coverage as long as you qualify for our expat insurance, other than to pay your monthly premiums on time. Your policy remains active and you are billed on the 1st of each month until you cancel, until 5 years from your arrival date in Germany, or until your 75th birthday.
What is the maximum amount of time that I can be covered by expat health insurance?
Expat health insurance has a maximum term of 5 years, and that 5-year period starts on the first day you arrived in Germany, not the date you signed up for the policy.
For example, if you arrived in Germany on January 1, 2020 but took out expat health insurance on June 2, 2021, your coverage can only continue until December 31st, 2024. Once you reach the 5-year limit, your coverage expires and you will need to arrange a different type of health insurance.
Does my expat health insurance renew automatically, and what do I need to do to keep it active?
Yes, your expat health insurance renews automatically each month. You do not need to request an extension or reapply to stay insured. Your policy continues as long as your monthly premiums are paid on time, you remain within the 5-year eligibility period, and you are under 75 years of age. You only need to take action if you want to switch or cancel your coverage before those limits are reached.
What information do my insurance documents include?
Your Anlage 6 (insurance certificate) includes your chosen start date as a calendar date, confirming that your insurance contract has been in place without discontinuation since that date. It also states that your insurance is valid "for stays longer than one year", which meets the requirements of German authorities for first-time visas.
Your Expat Certificate of Authority displays an expiration date set 5 years after your arrival in Germany, reflecting the maximum term of expat health insurance (this is, however, not a contract commitment).
What happens when I reach the 5-year or the 75 age limit?
We will contact you by email a few months before your 5-year limit or your 75th birthday is reached to let you know your coverage is coming to an end and to help you find a suitable alternative.