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German Health Insurance Package for Internationals

Public and Private Health Insurance

Personalized coverage for your visa and stay in Germany. Get peace of mind at affordable rates.

  • Free Travel Health Insurance worth up to €953
  • Award-winning insurance cover4,5
  • Fast, secure, cost-effective

How Our Customers Feel About Our Service

Securing your health insurance coverage has never been easier

Overcome German bureaucracy and relocate worry-free with us!

To live in Germany, you are legally required to have health insurance. To make this as simple as possible for you, we've crafted a special bundle designed with internationals in mind. Not only will you get the necessary coverage for your visa application (and university enrollment), but you will also be covered for your entire stay in Germany

Our free Travel Health Insurance3 (also known as Incoming Insurance) is accepted by all German authorities to secure your visa - ensuring a smooth visa process.

Expatrio's Health Insurance Plus package

The type of coverage you need for your stay in Germany will depend on your profile. Our Health Insurance package ensures you get the right type of protection with some of the best providers in the German market: TK, our public health insurance provider, and DR-WALTER, our Travel Health and private health insurance provider.

  • Travel Health/Incoming Insurance, free for eligible customers up to 92 days, with DR-WALTER3
  • Public health insurance with Techniker Krankenkasse (TK)
  • Private health insurance with DR-WALTER
  • Comprehensive coverage incl. live doctor chat provided by your insurer

Health Insurance Plus


Benefit from instant confirmation and free perks

Expatrio's Health Insurance Plus offers you free Travel Health/Incoming Insurance3 and instant confirmation.

Just like we offer customers a fast way to secure their proof of sufficient funds for your German visa, we also offer a quick health insurance confirmation for both with our Value Package and Health Insurance package.

Save money and benefit from our fully online and simple process!
Get easy access to detailed information about your health insurance and other Expatrio services on your Expatrio User Portal.

Access the best providers in the German market

Securing your health insurance coverage with German providers can be a challenge. With Expatrio, you can bypass the endless German bureaucracy and language barrier. We do the hard part for you. Connect to the best providers4,5 to insure you from day one of your stay in Germany.

  • Travel Health/Incoming and private health insurance with DR-WALTER, awarded five times a Star Insurance provider.5
  • Public health insurance with Techniker Krankenkasse (TK), elected 17 times in a row as the best German public health insurance and the best health insurance fund for students.4

Expatrio Value Package

Simplify your move to Germany with Expatrio's Value Package! Get your mandatory Health Insurance, Blocked Account, free German Bank Account, plus other free benefits!

Get Value Package

Learn more about Health Insurance in Germany

Health Insurance is mandatory for everyone living in Germany and a prerequisite for obtaining a German visa.

Why do internationals need health insurance coverage when coming to Germany?

Everyone living in Germany is required by law to have healthcare coverage. University students aged under 30 are usually eligible for public health insurance. Language school students, preparatory course students (Studienkolleg), PhDs, guest scientists, and university students aged 30+ may have to secure private health insurance coverage.

Activation needed

Your health insurance needs to be activated once you arrive in Germany. Add this item to your arrival to-do list to avoid future hurdles!

Expatrio's Health Insurance is personalized

It offers you exactly the type of coverage you need depending on your profile.

Generally, university students aged under 30 receive:

  • Travel Health/Incoming Insurance, free for up to 92 days, with DR-WALTER3
  • Public health insurance with Techniker Krankenkasse (TK)

Students aged 30 and over, non-university students, and all of those who are not eligible for public health insurance receive:

  • Private health insurance with DR-WALTER

How does the Health Insurance package work?


Apply online

Fill in our online application form to secure your health insurance coverage.


Receive confirmation

Download your Travel Health Insurance (also known as Incoming Insurance) confirmation for your visa appointment.



Once in Germany, activate your health insurance to be covered for your new life!

"Expatrio made everything easier for me, from being informed to going through the blocked account process, getting health insurance that was not rejected by the immigration offices and not having any problems at the airport."

Karla Morales

Graduate from Medical School


Health Insurance Plus

Personalized coverage for your visa and stay in Germany

  • Free Travel Health/Incoming Insurance for your visa worth up to €95. Accepted by German authorities worldwide.3
  • Best public German health insurance: Techniker Krankenkasse (TK).4
  • Awarded private health insurance: DR-WALTER5
  • Extensive coverage incl. vaccinations
  • Doctor appointment service & live chat via your insurance provider

How Our Customers Feel About Our Service

Know more about your health insurance providers

At Expatrio, we only work with partners who share our passion for supporting internationals relocating to Germany. The health insurance providers Techniker Krankenkasse (TK) and DR-WALTER are our chosen partners to bring you the best health insurance coverage.4,5

Learn more about Techniker Krankenkasse

TK is our public health insurance partner. From your studies or work start date, you will be covered by Techniker  Krankenkasse (TK). Public health insurance is a also known as Statutory Health Insurance or even Governmental Health Insurance.

According to Focus Money, TK is the best German statutory health insurance fund (public health insurance) and the best health insurance fund for students.4 Their service comes with many advantages, such as vaccinations, cashback opportunities, and a convenient digital doctor appointment service.


Learn more about DR-WALTER

For your visa and arrival in Germany, you will need a special type of coverage called Travel Health Insurance. You might also know this as: Incoming Insurance, Private Travel Insurance, or Schengen Health Insurance. Getting this coverage is mandatory. If you are a student, you will be covered by this health insurance until your studies at a university or a university of applied sciences start.

If you are participating in a language course, or preparatory studies (Studienkolleg), you will have this private health insurance for the duration of your course.

Our partner for private health insurance is DR-WALTER, a specialized broker with over 60 years of experience in the insurance market and awarded as a Star Insurance provider.5


Get your Health Insurance

With our Health Insurance Plus you will benefit not only from excellent healthcare coverage, but also from additional benefits specially chosen for you.

Get Health Insurance

Experience the ease of Expatrio

Your All-in-One relocation to Germany app.


Studying in Germany

A comprehensive guide for international students



What does the Health Insurance Plus package include?

How much do I pay for Health Insurance Plus package in total?

What is the difference between Health Insurance and Health Insurance Plus?

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[*] Up to €249 savings consists of: €49 cashback on Blocked Account set-up fees + up to €90 TK-Flex cashback + free travel health insurance worth up to €95 + free digital ISIC card worth up to €15. This offer is only valid for customers who apply for the Value Package. Expatrio reserves the right to cancel this promotion at any point in time. Special terms and conditions apply.

[1] Value Package customers can receive their €49 cashback after activating both their Blocked Account and Health Insurance.

[2] TK-Flex is an elective tariff and only available for eligible TK health insurance customers. Once the TK membership is activated, TK-Flex can commence. Expatrio will provide the customer with detailed guidelines on how to do this. Within TK-Flex, users have the option to deselect/opt out of services they do not need. In return, there is a cashback bonus of up to €90 per year. However, if the services are needed after all, TK customers can reactivate their health insurance coverage by paying a deductible of €24 per service (up to €120) per year. Please refer to our TK-Flex page for more information. 

[3]  Free Incoming/ Travel Health Insurance coverage for up to 92 days as part of the Value Package for eligible customers worth up to € 95.00.

[4] In the issue 07/2023, Focus-Money business magazine awarded TK “Best Student Health Insurance Fund”.

[5] DR-WALTER has been awarded the Super Star Award by the Study Travel Magazine.

[6] Without a Residence Permit, you will have temporary access to your Bank Account. By uploading your Residence Permit within the specified time frame (approximately 6 months) you will get permanent access to your Bank Account and all of the amazing benefits that come with it.

[7 ] Only available to selected countries.