Health insurance for expats in Germany is a must. The country’s healthcare system is renowned for its quality, but also for its high costs for those who are not insured. Routine doctor’s visits or emergency hospitalizations are expenses that can add up quickly if you do not have adequate protection. Choosing good insurance is necessary to comply with local regulations and also to have access to quality medical care in case of any unforeseen health event.

In this article, we will help you learn about different health insurance options for expats in Germany. We will evaluate five alternatives so that you can find the plan that best suits your needs, whether for a short, extended or even permanent stay. From public insurance to private and customizable options, we will explore which type of coverage is ideal according to each foreigner’s profile and budget. Here is a complete guide for a wise and beneficial choice of the German health care system.

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Which foreigners need health insurance in Germany?

Health insurance in Germany is mandatory for all expats residing in the country. This is due to the importance of maintaining an accessible and high quality health system for everyone. There are different profiles of foreigners who, due to their circumstances, need to take out health insurance. Either to comply with legal requirements, protect themselves from possible medical emergencies or ensure access to quality health services while residing in Germany. Below are some of the profiles of foreigners who most commonly need medical coverage in Germany:

• International students: Students coming to Germany for exchange or higher education programs are required to have health insurance. Generally, they must meet specific requirements depending on the educational institution and the type of visa.
• Expatriate workers and employees: For those moving to Germany for work purposes, health insurance is a must. Employees are usually covered by public insurance, although in some cases they may opt for private insurance.
• Digital nomads: While many digital nomads frequently move between countries, Germany mandates that temporary or long-term residents, even those working remotely for foreign companies, have health insurance. As one of the countries offering a digital nomad visa, Germany provides an opportunity to settle and telecommute while meeting these requirements.
• Freelancers and self-employed: Freelancers must hire their own health insurance, being able to choose between public and private insurance, depending on their personal and professional situation. This group includes professionals from various fields who establish residence in Germany.
• People in exchange or volunteer programs: Those who participate in cultural exchange, volunteer or temporary work programs are also required to have health insurance in Germany during their stay, which should cover everything from emergencies to basic consultations.
• Retirees and pensioners: Foreigners who decide to retire in Germany and move to the country to enjoy their retirement also need health insurance that meets local standards.

What types of health insurance are suitable for foreigners in Germany?

There are several options for health insurance for expats in Germany, each tailored to different needs, types of stay and budget. The choice between these insurances will depend on the profile of the foreigner, his or her stay plans, as well as the specific requirements of the type of visa. The main types of health insurance in Germany for foreigners are:

• Public health insurance. The public health insurance system in Germany is compulsory for most salaried workers, students and persons with an annual income below 66,600 euros ($68,730). This insurance provides comprehensive coverage including medical consultations, hospitalization, medical and preventive treatments. Many foreigners employed by German companies are automatically enrolled in the public insurance. This ensures them immediate access to a wide network of hospitals and specialists. No minimum period of residence is required to benefit from this insurance, which is a great advantage.
• Private health insurance. This is an option available to freelancers, self-employed, high-income earners and international students who meet certain requirements. Private insurances usually offer plans with greater flexibility and additional benefits, such as quick access to specialists, private rooms in hospitals and full dental coverage.
• International health insurance. For those planning temporary residency or short-term stays in Germany, international health insurance can be a practical option. These policies offer coverage for medical emergencies, hospitalization and repatriation. In addition, some specialized international insurance policies allow specific coverage for Germany. This insurance is especially recommended for those who need temporary insurance and do not plan to stay in the country long term. It is very popular among digital nomads and short-term visitors.
• Health insurance for international students. Germany offers student-specific health insurance that is less expensive and meets university and visa requirements. Students can access public insurance at reduced rates, or opt for private plans designed for them. These insurances usually include basic coverage for consultations, hospitalization and emergencies, but may have limitations for specific treatments or additional services.
• Health insurance for visas and exchange programs. For those participating in exchange, volunteer or temporary visa programs, there are insurance policies designed to meet the minimum visa requirements. They have specific coverage for emergencies, accidents and hospitalization. These health insurances in Germany are usually excessive and short term, but may not cover specialized medical services or long-term treatments, such as chronic diseases or dental care.

How much do health services cost in Germany?

The cost of health services in this country is high, so taking out health insurance for expats in Germany is indispensable. The prices of basic medical services, such as consultations or emergency treatments, can be difficult to afford without adequate coverage. Below, we detail some of the average costs of common services in Germany for foreign travelers and residents. This will give you a better understanding of the magnitude of the costs and the importance of good medical coverage.

The 5 best health insurances for expats in Germany 

Choosing health insurance in Germany can be a challenge, as each option offers different coverage, costs and important benefits for foreigners wishing to live in the country. They usually offer plans ranging from basic coverage to more extensive services, such as specialized care and extended hospitalization. In addition, it is important to consider that certain insurances can cover services outside Germany. This is useful for expatriates and frequent travelers.

Here are the top five health insurance options in Germany for foreigners. Each offers unique benefits and limitations, so assess your needs and budget carefully to find the best fit.

1. Cigna Global

Cigna Global is a well-known option for its customizable health insurance plans and international coverage. Designed especially for expatriates, Cigna Global offers everything from general consultations to specialized treatments, allowing for comprehensive coverage in Germany and many other countries.

• Plans and pricing: Plans start at $200 per month, with adjustments based on coverage and age of the insured.
• Excluded coverage: Pre-existing illnesses and mental health conditions may require a higher cost plan.
• Recommended for: Expatriates and professionals who travel frequently and need comprehensive and flexible medical coverage.

2. Allianz Care

Allianz Care is another reliable health insurance option in Germany. It specializes in designing health insurance for foreigners in the country. It offers different levels of coverage ranging from basic treatments to hospitalization and emergency assistance, as well as dental care in certain plans.

• Plans and pricing: Basic policies start at $150 per month. Premium options with more coverage available.
• Excluded coverage: Providers may limit services for chronic illnesses and specific treatments.
• Recommended for: International students and expatriates looking for affordable insurance options and general medical coverage.

3. Aetna International

Aetna International stands out for its flexible options and global coverage, ideal for expatriates seeking medical services both in Germany and abroad. Its plans cover everything from consultations and check-ups to hospitalization, with advanced coverage options for specific treatments.

• Plans and prices: Starting at $220 per month, depending on age and desired coverage.
• Excluded coverage: Treatment of mental health conditions and certain preventive services.
• Recommended for: Expatriates who want comprehensive coverage and anticipate possible international travel.

4. AXA Global Healthcare

AXA Global Healthcare designs international medical coverage for foreigners requiring medical insurance in Germany. Its plans include emergency medical treatment, inpatient and outpatient care, with an extensive network of doctors and specialists.

• Plans and pricing: Starting at $190 per month for basic plans, increasing with additional coverages.
• Excluded coverage: Pre-existing conditions and some specialized treatments may not be covered.
• Recommended for: Freelancers and foreign entrepreneurs looking for flexibility and international coverage options.

5. DKV Globality

DKV Globality is a European option specializing in health insurance in Germany for foreigners, with plans designed to cover general and hospital treatments in the country. It also allows you to add additional services such as dental care and telemedicine services for more constant monitoring.

• Plans and prices: Start at $180 per month, varying by level of coverage and additional services.
• Excluded coverage: Basic plans usually exclude mental health coverage and specialized dental treatments.
• Recommended for: Foreigners looking for affordable insurance in Europe with basic coverage for general consultations and hospitalization.

What is the best health insurance for foreigners in Germany?

Choosing the best health insurance in Germany for foreigners depends largely on the type of coverage, the budget and the particular needs of each person. After analyzing the advantages and disadvantages of each of them, we recommend Cigna Global. This insurance stands out for its comprehensive coverage and highly customizable plans. It is perfect for those who travel frequently and require access to medical services in multiple countries. In addition to doctor visits and hospitalization, Cigna plans include outpatient care and advanced coverage options.

Overall, Cigna Global is the most recommended choice among all health insurances in Germany for foreigners due to its comprehensive coverage and flexibility. Especially for those who plan to reside in Germany for extended periods or need comprehensive coverage. The option to customize plans, along with the ability to access a wide medical network outside Germany, makes it an advantageous choice for expatriates.

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