Expat insurance
Expat insurance in Germany
Comprehensive cover for people who've actually moved to Germany: multi-year stability, no trip caps, and the proper inpatient/outpatient stack you want when this is home now.
Germany has no dedicated digital nomad visa, but its freelance "Freiberufler" residence permit makes Berlin a serious long-stay base for self-employed remote workers. The catch that trips people up is insurance: for the permit, foreign travel or "nomad" cover is not accepted, and you need German statutory or comparable private health insurance. Tourist visits from the US, UK, Canada and Australia stay visa-free for 90 days.
What expat insurance covers in Germany
Expat insurance is built for expats with a residence permit or long-stay visa, families, retirees abroad. The lines below are the base. Exact terms are carrier-specific, so always check the policy document for the Germany situation you care about.
What you get
- Full inpatient and outpatient medical
- Maternity (with waiting period)
- Dental and vision (add-ons)
- Chronic-condition management
- Multi-year renewals without trip-length resets
What it won't do
- Cover in your home country (limited windows on some plans)
- Pre-existing conditions during initial underwriting
- Cosmetic procedures
What care costs in Germany
A taste of what expat insurance protects you from. The full local cost breakdown lives in the Germany guide.
| Private or self-pay GP consultation | €40 to €70 |
|---|---|
| Specialist consultation (self-pay) | €80 to €150+ |
| Ambulance call-out | roughly €300 to €600 |
Expat insurance in Germany: FAQ
In most cases Germany expects long-stay residents and visa applicants to show proof of health coverage. The specific bar (carrier, sum insured, residency-vs-travel cover) depends on your visa class; the Germany guide covers the country's current visa-and-residency stance.
Premiums vary by age, plan and deductible far more than by country; the underwriting risk is priced, not the postal code. The Germany guide breaks down local treatment costs so you can see what your insurance protects you from, then run a real quote for your own number.
It depends on your situation: how long you're staying, your visa class, your age and health, and whether you want cashless treatment or are fine with reimbursement. Rather than push one plan, we match you against the options that actually fit a stay in Germany: answer a few honest questions and see only what's relevant.
Other insurance for Germany
Different stages of nomad life need different cover. Here's the full set we've mapped for Germany.
Get matched with expat insurance for Germany
Three minutes of honest questions, then we'll show you the expat insurance options that actually fit your situation in Germany.
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