German health insurance for visa application

Health Insurance Plus

Carefree visa application and stay in Germany with the best providers.

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

At Expatrio, you get the complete health insurance coverage you'll need for your visa application and stay in Germany with the best providers.

Get Health Insurance Plus

Health Insurance Plus with Expatrio

Essential coverage with the best providers

We offer you a health insurance bundle assuring you a carefree visa application and stay in Germany. Our Health Insurance Plus provides the mandatory coverage for both moments while connecting you with the best providers in the German market:

  • Public Health Insurance with Techniker Krankenkasse (TK)
    Elected as the best German public health insurance and the best health insurance fund for students by Focus Money*
  • Private Health Insurance with DR-WALTER
    Awarded five times as a Star Insurance provider*

In addition, the Health Insurance Plus with Expatrio gives you free benefits!

    Health Insurance

    Personalized coverage for your visa and stay in Germany
    • Incoming Insurance, free for up to 92 days & accepted worldwide
    • Best Public German Health Insurance
    • Awarded Private Health Insurance
    • Extensive coverage incl. vaccinations
    • Doctor appointment service & live chat
    Get Health Insurance

    Health Insurance in Germany

    Still unsure about how it works?

    We know that choosing the right health insurance provider can be quite cumbersome as Germany has different systems. You might want to read more on our dedicated page about Health Insurance.

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

    International students in Germany are required by law to have healthcare coverage. While university students are eligible to apply for public health insurance, those coming for preparatory courses, language courses, PhDs, students over 30, and guest scientists may have to get private health insurance coverage.

    Find out what type of health insurance you need with our Smart Exploration tool.

    Health Insurance - trusted by our customers

    Let us guide you


    Inform yourself about Germany & the prerequisites for your visa application.


    Conclude necessary products online, receive confirmations & obtain visa.


    Activate your products, settle down & enjoy Germany with Expatrio's support!


    Our Private Health Insurance provider

    For your visa and arrival in Germany, an Incoming Insurance (also known as Travel Health Insurance, Private Travel Insurance, Schengen Health Insurance) is mandatory. You are 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 the Private Health Insurance is DR-WALTER, a specialized broker with over 60 years of experience in the insurance market and awarded as Star Insurance provider.

    Dr. Walter Logo

    Techniker Krankenkasse (TK)

    Our Public Health Insurance provider

    On the day of the start of your studies or the beginning of your work, you'll need to be insured in a Private Health Insurance or Public Health Insurance (also known as Statutory Health Insurance or even Governmental Health Insurance) in Germany.

    Our partner for Public Health Insurance is Techniker Krankenkasse (TK). According to Focus Money, TK is Germany’s best public health insurance (07/21) and best health insurance fund for students (16/21). Their service comes with many advantages, such as vaccinations, a favorable bonus program, and a convenient digital doctor appointment service.

    TK best health insurance Germany

    Health Insurance

    Secure your personalized health insurance coverage for your German visa and stay in the country.



    What does the Health Insurance Plus package include?

    Health Insurance Plus package aims to provide holistic insurance coverage for your stay in Germany and includes: Incoming Insurance and Health Insurance. Apart from that, it also offers Current Bank Account and ISIC card.

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

    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.

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

    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 and Current Bank Account. Basically, by choosing Health Insurance Plus you pay the same price but receive additional services for free.


    * 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 (07/21). DR-WALTER health insurances has been awarded as Star Insurance provider.

    * Current account is optional for all customers. You are able to choose between N26, Monese or other provider. More information on our Current Account page.

    * DR-WALTER Incoming Insurance: valid for 180 days after arrival. The first 92 days for free (usually €69).

    * ISIC card: free for first 12 months (usually €15 p.a.) with automatic cancellation. Only for university students (Bachelor/ Master).