Health Insurance coverage in Germany is mandatory for everyone be it a student, language student, intern or employee. Also if you are coming from a non-European country, health insurance coverage is a prerequisite for obtaining a visa.
With Expatrio you can get fully accepted and approved German Health Insurance and receive several additional insurance bonuses absolutely for free! Choose Health Insurance Plus and ensure yourself a secure and carefree stay in Germany.
We know that choosing the right health insurance provider can be quite cumbersome. As Germany has different systems you might want to read more in our dedicated section about Health Insurance.
Expatrio is working with the best providers. In our Health Insurance Plus package we are working with Techniker Krankenkasse (Public Health Insurance) and with DR-WALTER (Incoming Health Insurance) - both are, of course, accepted & approved by the German Federal Foreign Office for your visa process and university enrollment.
Health Insurance Plus package includes:
In addition to that you will benefit from:
Your mandatory Health Insurance coverage for visa & stay!
Inform yourself about Germany & the prerequisites for your visa application.
Conclude necessary products online, receive confirmations & obtain visa.
Activate products, enjoy Germany, settle down & let Expatrio be your daily companion.
For your visa and your arrival in Germany an Incoming Insurance (also known as Travel Health Insurance, Private Travel Insurance, Schengen Health Insurance) is mandatory. You can use 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 Incoming Insurance for the duration of that course. Our insurance partner for the Incoming Insurance is DR-WALTER, a specialized broker with more than 60 years of experience in providing travel insurance.
On the day of the start of your studies or the beginning of your work, you need to be insured in a Private Health Insurance or Public Health Insurance (also known as Statutory Health Insurance or Governmental Health Insurance) in Germany. Our partner for the Public Health Insurance is Techniker Krankenkasse (or TK). According to Focus Money (07/2020), TK is Germany’s best Public Health Insurance* and comes with a lot of different advantages, such as vaccinations, a favorable bonus program and a convenient digital doctor appointment service.
Our tailored exploration will tell you exactly what you need. You just need to provide a few data and within seconds you get our instant expert opinion on your individual situation. Check out now and apply for the Health Insurance of your choice.
APPLY FOR HEALTH INSURANCEHealth Insurance Plus package aims to provide holistic insurance coverage for your stay in Germany and includes: Incoming Insurance, Health Insurance and Stay Safe Insurance (Liability + Travel Smart Insurances). Apart from that it also offers Current Bank Account and ISIC card.
The only item within the Health Insurance Plus package that is paid is your Health Insurance. The cost of the insurance depends on your profile (your age, number of children, etc.). The rest of the items within Health Insurance Plus come for free.
The difference between the Health Insurance by itself and the Health Insurance Plus package is that by ordering Health Insurance Plus you receive a list of benefits, such as Incoming Insurance, Stay Safe Insurance and Current Bank Account. Basically, by choosing Health Insurance Plus you pay the same price but receive several additional services for free.
No, it is absolutely optional. You can choose to create Monese Current Account with the help of Expatrio or use any other Current Bank Account you want.
Footnotes:
* Please refer to the respective Special Terms and Conditions Health Insurance Plus STCHIP.
* Techniker Krankenkasse has been awarded as the best German statutory health insurance fund (public health insurance) by Focus-Money (07/20). DR-WALTER health insurances has been awarded as Star Insurance provider.
* Monese "Classic" plan: free for the first 12 months (usually €5.95 per month). Afterwards, Users are entitled to a free "Simple" plan.
* DR-WALTER Incoming Insurance: valid for 180 days after arrival. The first 92 days for free (usually €69).
* ONE Stay Safe Insurance package: free of charge for the first 12 months (usually €117 p.a.) with automatic cancellation.
* ISIC card: free for first 12 months (usually €15 p.a.) with automatic cancellation. Only for university students (Bachelor/ Master).
