Why do I need health insurance for my visa?


70 %

of peop­le asked found that insuran­ce con­di­ti­ons are too com­pli­ca­ted [1]

Health insuran­ce in Ger­ma­ny in man­dato­ry and the­re­fo­re a requi­re­ment in order to be gran­ted a visa of any kind in Ger­ma­ny. That holds true for a short-term stay, for working in Ger­ma­ny for a few years and to moving to Ger­ma­ny for good.

When app­ly­ing for a visa you need to pro­of that you have health insuran­ce that the Ger­man admi­nis­tra­ti­ve sys­tem ack­now­led­ges as ful­fil­ling the mini­mum requi­re­ments. The exact requi­re­ments depend on the kind of visa you are app­ly­ing for.

The Ger­man health care sys­tem is divi­ded into public health insuran­ce (GKV) and pri­va­te health insuran­ce (PKV). Sim­pli­fied speaking, if you are employ­ed, you are very likely to be auto­ma­ti­cal­ly enrol­led in the GKV. Free­lan­cers and self-employ­ed can choo­se bet­ween GKV and PKV.

Health insuran­ce tailo­red to expats for visas are most­ly from the pri­va­te sec­tor. Howe­ver, what you need and what the Ger­man governments requi­res you to have, natu­ral­ly hea­vi­ly depends on your visa.

What are the requirements of healht insurance for visas?

For a 90-day Schen­gen visa, your insuran­ce must cover at least 30.000€, be valid for all Schen­gen coun­tries, inclu­ding medi­cal tre­at­ment, medi­cal evacua­ti­on and medi­cal repa­tria­ti­on. A regu­lar tra­vel health insuran­ce is usual­ly suf­fi­ci­ent.

Stu­dent and lan­guage stu­dent visas requi­re a litt­le more sophisti­ca­ted health insuran­ce, inclu­ding inpa­ti­ent tre­at­ment, out-pati­ent tre­at­ment as well as a few other things. You can eit­her enrol in the GKV or choo­se a PKV opti­on to meet the requi­re­ments. The­re are many spe­cia­li­sed pro­vi­ders for stu­dent plans and the stu­dent plans are qui­te cheap, star­ting at around 50€ / month.

Working visas and/or expat visas can some­ti­mes be a litt­le more com­pli­ca­ted.

First, the requi­re­ments are hig­her. Your health insuran­ce must be more or less equal to the GKV. Addi­tio­nal­ly, it is often hard for expats to get into the sys­tem. Regu­lar PKVs often reject expat app­li­ca­ti­ons, e.g. they will always reject you if your visa is valid for less than 2 years. In order to get in the public sys­tem, you have to be employ­ed some­whe­re.

We had cli­ents that were caught in a “Catch 22” situa­ti­on: They nee­ded to get health insuran­ce in order to get their visa rene­wed. But in order to renew their visa, the health insu­rer wan­ted a valid 2-year visa.

Second, espe­ci­al­ly if you are a free­lan­cer or self-employ­ed, health insuran­ce can be expen­si­ve. The Ger­man sys­tem uses sub­si­dies paid by employ­ers and if you are your own employ­er, you have to pay tho­se too.


 Pro­blems expats in Ger­ma­ny face [2]

Lear­ning Ger­man 62%
Fin­ding Ger­man fri­ends 59%
Get­ting along wit­hout kno­wing Ger­man 52%
Lack of fri­end­li­ness 24%
Lack of fri­end­li­ness towards Expats 20%
What do I personally need?


+10 mil­li­on

Peop­le born out­si­de of Ger­ma­ny that live in Ger­ma­ny [3]

As writ­ten above, that depends most­ly on two things: what visa you want/have and your employ­ment sta­tus.

Tho­se two fac­tors nar­row the opti­ons down to eit­her GKV / PKV or a PKV in the form of a spe­cia­li­sed pro­duct for expats in Ger­ma­ny.

The­re are a few pro­vi­ders of such expat health insuran­ce, per­so­nal­ly, we pre­do­mi­nant­ly work with a glo­bal health care pro­vi­der cal­led aLC. 

aLC’s health insuran­ce plans are 100% ack­now­led­ged by the Aus­län­der­be­hör­de, com­mu­ni­ca­ti­on is swift and fri­end­ly and through us, they pro­vi­de you with addi­tio­nal docu­men­ta­ti­on for the Aus­län­der­be­hör­de in Ger­man and Eng­lish.

Con­tact us and tog­e­ther we will find the solu­ti­on that fits your per­so­nal needs the best.

Questions? We have answers.

Health insuran­ce for a visa Ger­ma­ny — we help you throughout the way.

We will get back to you wit­hin 24 hours — wit­hout any com­mit­ment from you and in your pre­fer­red way.


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