International Health Insurance in Germany

Premiums depend on your age, the level of cover and the duration, not your income, so there is no single price. In a free consultation we calculate the exact price for your situation and tell you honestly whether public or private German insurance would be cheaper for you.

Yes, as long as the plan meets Germany's legal minimum standards. A home-country policy or basic travel card is usually rejected. We only recommend plans the Ausländerbehörde and the city registration office accept, so your permit is not delayed.

International health insurance, also called incoming cover, is for people who do not fit the public or private health insurance systems: job-seekers, freelancers who do not yet qualify for private cover, students on language courses, newcomers over 55, au pairs and anyone on a temporary stay. For them an incoming plan is often the only compliant option.

For a short visit, sometimes. For a residence permit or registration, almost never. Travel policies have low limits, short durations and wide exclusions that German authorities do not accept for residents.

Yes. These plans cover you in Germany and across the EU, and many extend worldwide. That makes them a good fit if you travel often or split your time between countries.

Cigna and Allianz Care are global providers built for people moving between many countries, and we do not broker them. The plan we set up comes from ALC Health / IMG, an international insurer whose incoming plans German authorities accept for your visa and registration. For living in Germany, that acceptance matters more than the brand name.

It depends on the plan level and your history. The questions differ from a full German private policy, and we go through them with you before you apply, so you know in advance whether a condition is an issue. Many people who were declined by a German private insurer still get international cover.

From a few months of bridging cover to several years. You can start with temporary cover and move to public or private German insurance later, once you qualify. We help you plan that transition.

No. We handle everything in English, from the comparison to the application and the paperwork, and we support you in English after you sign.

Usually yes. An international incoming plan is designed for exactly these cases and is assessed on different terms than German private insurance, with no upper age barrier like public insurance for newcomers. We check your situation for free and tell you which cover level German authorities will accept for your visa or registration.

If you left the public system years ago and now return without a job that puts you back in it, you can find yourself locked out of public insurance and facing a health check for private cover. An international plan bridges that gap from day one, and we plan the route back into the German system with you.