health insurance travel germany

Travelers Guide to Healthcare in Germany

• March 13, 2021
• Lauren Stuttaford

After Russia, Germany is the second most populous country in Europe and the most populous member state of the European Union. Its Western European terrain boasts forests, rivers, mountain ranges, and North Sea beaches, all of which serve as a testament to its more than 2,000-year-old history.

Germany is a federation comprising 16 constituent states, known as Länder, each with its own constitution and a high degree of internal autonomy. The cultural and linguistic differences among these states are unique, with dialects often so divergent that people across state borders have difficulty communicating with each other.

If you are planning a trip to Germany, this healthcare guide will provide you with all the essential information needed to ensure your safety and knowledge during your stay.

• Healthcare Basics
• Cost of Healthcare in Germany

Available Payment Methods

• Seeing a Specialist
• Drugstores and Pharmacies
• Hospitals and Clinics in Germany
• Emergency and After-Hours Healthcare
• Tips for Tourists

Healthcare In Germany – The Basics

Germany boasts one of the world’s best (and oldest) healthcare systems. There’s a dual public-private system that’s been in place for nearly two centuries, which has undergone significant advancements. The system operates on statutory contributions guaranteeing free healthcare for all. However, individuals also have the option to purchase private health insurance (Private Krankenversicherung or PKV) to supplement or replace state coverage (Gesetzliche Krankenkasse or GKV). The Federal Ministry of Health in Germany is tasked with the development of health policies and overseen by the Joint Federal Committee. Whether you’re a resident or a visitor, understanding this healthcare system can help keep you informed and safe during your stay.

Public Healthcare

Healthcare in Germany is accessible to all residents through public health insurance – this system covers 90% of residents. While non-residents require private insurance coverage to receive medical care. Visitors to Germany usually have to pay for treatment and then claim reimbursement at a later stage.

EHIC Holders:

Temporary visitors from the EU, EEA, or Switzerland can use their EHIC card to access emergency medical treatment in Germany. However, legal residents must have German health insurance. The EHIC is part of the health insurance card for all residents in Germany, allowing them to benefit from emergency medical treatment and care when temporarily elsewhere in the EEA. If you need medical care during a temporary stay in Germany, presenting your EHIC to the healthcare provider indicates that you have statutory health insurance and that your native country’s insurer will cover the costs. If you do not have an EHIC card, you can request a Provisional Replacement Certificate (PRC) from your healthcare insurance provider. The EHIC can be used to claim reimbursement for costs incurred in the same way as German nationals. You will not have to pay if the treatment is free for locals. If you have to pay for treatment, you can request reimbursement from the national institution or your health insurer. The EHIC is only valid in practices operating under the state health insurance system, identifiable by a sign that says: Kassenarzt or Alle Kassen. It is valid for up to 6 months, after which visitors planning to stay longer must explore private health insurance schemes. Self-employed artists and publicists can also receive health protection in public health insurance similar to employees through the Künstlersozialkasse (KSK) or Artists’ Social Insurance Act.

Private Healthcare

Private Krankenversicherung (PKV) provides more extensive medical coverage in Germany than GKV. People who are self-employed, part-time employees, freelance professionals, artists, government employees, or those who earn more than EUR 64,350 annually can choose to take out private health insurance. Premiums for private health insurance vary depending on the level of coverage and the insurance provider. In some cases, private insurance may be more cost-effective than public health insurance since GKV contributions depend on income, resulting in higher earners paying more. The PKV maintains a list of private German health insurance companies.

Cost of Health Care In Germany

Germany ranks among the top healthcare spenders in Europe, allocating 11.1% of its annual GDP to healthcare expenditure. Only Switzerland and France outspend Germany in terms of GDP percentage, with German healthcare costs averaging over EUR 4,000 per resident each year.

Most of these costs are covered by contributions from both public and private insurance plans. Additionally, individuals are required to pay a fee of approximately EUR 10-15 for their first medical consultation each quarter. Those who do not require medical attention during this period are exempt from this fee, and those with private health insurance can reclaim these expenses.

Patients enrolled in public health insurance or GKV typically pay modest co-payments for medication and hospitalization, with all other expenses fully covered by their insurance provider. In contrast, PKV is based on reimbursements, which often involve excess payments on either an annual or per-service basis.

In Germany, a bank transfer is the most common payment method, however, bank cards and cash are widely accepted throughout the country.

Doctors And Specialists In Germany

Doctors in Germany are referred to as “Ärzte,” and a “Hausarzt” is equivalent to a GP or primary care physician. In the German healthcare system, patients have the freedom to choose their own doctor. While most doctors have at least basic knowledge of English, some only treat private patients, which means patients with public insurance must pay for their treatment. Typically, practice hours for doctors are from 8 am-1 pm and 3 pm-6 pm, Monday to Friday. Many practices are closed on Wednesday afternoons, and only a few are open on Saturdays. Emergency services are available on Sundays.

Seeing A Specialist

Referrals are not mandatory in Germany, and patients can directly visit a specialist without seeing a family doctor first. However, some restrictions apply. Referrals are not required for emergency treatment, dentistry, pediatrics, gynecology, and ophthalmology.

For certain specialists, a referral from a family doctor is typically required. These include experts in laboratory medicine, microbiology, nuclear medicine, pathology, radiology, radiotherapy, and infection epidemiology. In addition, referrals are necessary for special diagnostic procedures and treatments that require significant technical or medical effort and involve high risks.

Private health insurance (PKV) policyholders have the freedom to choose any doctor they want without needing a referral. However, this may impact reimbursement by the insurance provider as treatment necessity is a prerequisite for coverage. Medical practices in Germany generally operate from 8 am-1 pm and from 3 pm-6 pm on weekdays, with few offices open on Wednesdays and weekends.

Drugstores And Pharmacies

Apotheke (or pharmacies) in Germany can be identified by a prominent red-letter A. These establishments typically operate from 9 am to 6 pm on weekdays, and from 9 am to 12 pm on Saturdays.

It’s worth noting that drugstores, known as Drogerien, such as DM and Müller, should not be confused with pharmacies. These retailers do not sell medication, but rather a variety of consumer items and toiletries.

Should you require medication, you can take a prescription from your general practitioner to any pharmacy. However, if your prescription is on a pink slip of paper, this is an indication that you’ll need to pay a non-refundable flat rate – approximately EUR 5-10. In the case of minor ailments like cold and flu, you’ll need to pay the full amount for the medications.

Those with private insurance will be issued their prescription on a blue slip of paper, requiring them to pay the full amount upfront at the pharmacy and then seek reimbursement from their insurer.

It’s important to note that medication packaging may not always include dosage instructions, so it’s crucial to consult with your doctor or pharmacists for guidance and record the details for future reference. While pharmacists may also offer dosage information, their English proficiency may be limited.

Here is information about local on-call pharmacies.

Hospitals In Germany

In Germany, Krankenhäuser is the term used for hospitals, which can be categorized into three main types:

• Öffentliche Krankenhäuser – public hospitals.
• Frei gemeinnützige Krankenhäuser – voluntary non-profit hospitals.
• Privatkrankenhäuser – private hospitals.

Compared to other countries, hospitals in Germany have a reputation for excellence. However, only a doctor can approve hospitalization for non-emergency cases.

When referred to a specialist in a hospital, your GP will play a significant role. If you plan to stay as an inpatient, be mindful that hospitals have limited space allocated to patients covered by public or private insurance. Therefore, it’s crucial to bring your EHIC/German health insurance card when you visit.

Hospital bills for those covered by GKV are sent directly to the insurer. On the other hand, patients with PKV must pay all bills upfront and claim reimbursement later.

It’s important to note that hospital stays in Germany are structured, with specific visiting hours and strict rules on mobile phone usage and smoking. Additionally, many doctors and nurses in hospitals may not speak English fluently, so be prepared to communicate using German or bring a translator.

Health Centers & Clinics In Germany

Outpatient care in Germany is generally offered by doctors and specialists in individual or joint practices. There are also medical centers, both public and private, where healthcare professionals like GPs, medical specialists, physiotherapists, psychotherapists, and nurses provide their services.

Emergency And After-Hours Healthcare

If you require urgent medical attention in Germany, you should visit the A&E or ER, known as Notaufnahme. In Germany, emergency services are covered by both state and private health insurance.

In the event that you require ambulance transportation, dial 112 , (a pan-European number for free). The fire brigade ambulance service, called Rettungswagen, is also able to transport you to a hospital nearby.

For emergency medical assistance, dial 19 242 to reach emergency doctors. To access non-emergency doctors on call, dial 116 117.

Patients can also contact their local practices for information on their out-of-hours service.

Telehealth In Germany

In Germany, telehealth is a rapidly evolving field and is allowed with certain restrictions, though there are no limitations on specific medical fields. However, telehealth applications and technologies must be approved, and platforms like Zoom or Skype consultations are generally not allowed. Medical apps may apply for “fast track” market entry. Doctors in Germany are permitted to advertise telemedicine services and can use telehealth practices in all cases they find appropriate, whether for existing or new patients. Currently, e-prescriptions are allowed as part of several pilot projects.

German health insurance for foreigners

In Germany, healthcare insurance is mandatory for all residents, including foreigners. There are two main options: statutory health insurance (GKV) and private health insurance (PKV). Statutory insurance is typically for those with lower incomes, while private insurance offers more flexibility but can be costly. EU citizens can transfer coverage using the EHIC or EHID, while non-EU citizens may need private insurance initially. Healthcare insurance in Germany provides access to quality care, including doctor visits, hospitalization, medications, and preventive services. It’s important to understand the specific coverage and consider supplementary insurance if needed. Seeking advice from experts can help navigate the healthcare system and find the right insurance for your needs.

Tips For Tourists In Germany

Germany offers visitors a wealth of attractions. From its captivating history and culture to its scenic natural landscapes like the Black Forest , making it an ideal destination for an extended stay.

The German way of life revolves around the belief that regulations and policies serve as a guide to regulate everyday activities. Promptness is highly valued, and tardiness is frowned upon as Germans are known for their excellent watchmaking skills. Additionally, it’s advisable to be mindful of your vocal volume.

In Germany, healthcare is subject to stringent anti-corruption and transparency laws.

Travel Health Insurance for Germany

When traveling to Germany, it’s crucial to have travel health insurance that provides coverage for unexpected medical expenses. This insurance typically includes emergency medical treatment, hospitalization, and medication costs. It may also offer benefits like emergency evacuation or repatriation. Remember to carefully review the policy details, including coverage limits and exclusions. Non-EU citizens should note that the European Health Insurance Card (EHIC) might not be valid, so obtaining comprehensive travel health insurance is vital. With proper coverage in place, you can explore Germany knowing you’re protected in case of any medical emergencies.

If you are a tourist in Germany and would like to speak to a medical professional connected to an international network of doctors, you can make an appointment on the Air Doctor app right now and have an in-person or virtual consultation within minutes.

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Jenny Cohen Derfler

Air dr ceo & co-founder.

Jenny is the CEO and one of the Co-Founders at Air Doctor. She spent more than 20 years at Intel, most recently as general manager of its manufacturing facility in Israel and before that in various engineering and manufacturing roles in Silicon Valley. Air Doctor is her second startup having previously founded electric vehicle company ElectRoad.

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Germany – Visitors Insurance and Safety Advice

Safety and travel insurance advice for germany.

Before you get swept up in all the magnificence Germany has to offer, below is an overview of the most important healthcare, insurance, and safety information that short-term and long-term visitors need to know to make the transition as smooth as possible.

Related:  International Health Insurance in Germany for Foreigners

Common Safety Tips for Visitors to Germany

Germany is a relatively safe country to travel in, and crime rates have continued to drop in recent years. As always, foreigners need to stay alert and be on the lookout for pickpockets and thieves, especially near popular tourist areas like train stations, museums, and hostels. Be sure to protect all of your personal belongings, and leave your valuables and physical passport at home or in the hotel. Carry a copy of your passport with you at all times and never the actual booklet.

Futbol (soccer) is incredibly popular, but fans can turn sour pretty quickly if their team loses a game, so be aware of and avoid possible riots and angry mobs, as foreigners can be easy targets for them.

Intense heat and dehydration are typical, especially during the summer season, so be sure to drink lots of non-alcoholic liquids and stay hydrated during your travels.

Know your embassy and bank contact information in case of emergencies, including addresses and phone numbers. There is a U.S. Embassy located in Berlin for any mishaps with your passport, travel, or your safety as a U.S. citizen. Keep notes on what to do if you lose your passport or if your wallet or purse is stolen to make the replacement process as simple as possible.

Read:  The 11 Best Cities to Work in Germany for Expats

German Health Care System and Types of Insurance

The German Healthcare System is excellent, one of the best in the world. There are three options for health insurance during your stay in Germany: public government-regulated public insurance, private insurance from a German or international company, or a mix of the two. Long-term travelers would benefit from International Health Insurance the most, while short-term travelers would be covered under travel medical insurance plans . Both are excellent options to cover healthcare in Germany for visitors.

You must have insurance and support documents to obtain a visa or a residence permit. Different types of visas may have different insurance requirements, so be sure to confirm the requirements for the specific type of visa you need. Longer-term visitors will likely need a Schengen Visa for entry into Germany and other European countries.

Learn more about Schengen Visa Insurance Requirements .

Around 85% of the population is covered by the public insurance system and 10% by private companies. Public officers, self-employed persons, and individuals earning above 50,000 Euro qualify for private healthcare, although most choose to stay in the publicly financed system. Many insurance providers will take your age into account, which can increase premiums and reduce benefits at milestone ages of 60, 65, and 70 years old. Other policies may limit the amount of travel time you get to your home country; often the maximum is 30-60 days.

When you arrive for a long-term stay, you should take the time to find a primary physician ( Your International Health Insurance provider can help you find high-quality providers locally ) and schedule a routine checkup. This will familiarize you with your doctor’s office and could make other medical appointments go smoothly in the future, especially for families with children. Depending on location, it may be difficult to find a doctor that speaks fluent English. Most embassies have a list of English-speaking doctors that you can request, however, the availability of these physicians will vary. Knowing your doctor ahead of time can make it easier down the road, especially for sick leave, which requires a doctor’s note. German companies give employees unlimited sick days. It would be wise when making an appointment to ask the receptionist when is the best time to come in, however you should still be prepared to wait before seeing someone, especially if the public insurance plan. Additionally, it is a German custom to greet other patients in the office and say goodbye to them before leaving.

Find the Best International Hospitals in Germany

Otherwise, students and more short-term visitors may be better off using a private insurance company that caters to international travelers. These policies will cover areas specific to the expatriate lifestyle and are often less expensive than German providers. Students especially should research their options, as discounted plans are common.

Visitors Insurance for Travel to Germany

Health insurance for foreigners visiting germany.

Safe Travels Voyager

• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Cancel for Any Reason available
• Up to $250,000 in emergency medical coverage

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

International Health Insurance for Expats Living in Germany

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Germany’s network of pharmacies is broad, and they are marked by a big red “A” for Apotheken . Pharmacies are open from 9 am-6 pm Monday to Friday, and 9 am-12 pm on Saturdays. Prescription medication is sold by company name, rather than the active ingredients as in the US. Doctors in Germany tend to prescribe the most expensive brand, so ask the pharmacist if there is a cheaper generic medicine available. Also, instructions for dosage do not come on the package, so be sure to ask your doctor and take note of how much and how often you should be taking the medication.

Emergency Numbers in Germany

• Police – 110
• Ambulance – 112
• Fire Service – 112

Vaccines and Diet Consideration When Visiting Germany

Currently, Germany has no vaccine requirements. However, the World Health Organization (WHO) recommends that all travelers be covered for standard vaccinations regardless of destination.

German food can be entirely different from your home country and may affect your digestion. The cuisine is fairly heavy, containing meat, potatoes, and heavy noodles. Be prepared for the changes your body could incur from this type of diet and take the necessary precautions. Additionally, visitors sometimes have problems with alcohol and tobacco intake, as these activities are common and cultural. Make a plan to moderate your drinking and smoking, so no issues arise during your stay.

Prepare for Travel to Germany

Nothing can ruin a vacation quite like unexpected medical occurrences, so the more prepared you are to handle anything that comes your way, the better you will be able to get through it and concentrate on the more important stuff, like a Bavarian cream pie, luxury sports cars, and touring key world history sites!

Travel Insurance for Foreigners Visiting Germany

• Immigrating to and Becoming an Expat in Germany

Visa Insurance Advice:

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Travel Insurance Germany

Travel insurance for germany.

Nestled in the heart of Europe, Germany is a country that waltzes between medieval charm and cutting-edge innovation. From the iconic Brandenburg Gate in Berlin to the enchanting Neuschwanstein Castle in Bavaria, every corner tells a story steeped in history and culture. Before you pack your bags and set off for your adventure, let's talk about something important – your travel insurance for Germany. From health coverage to travel hiccups, here's everything you need to know about a travel protection plan to Germany.

• What should your Travel insurance cover for a trip to Germany? 
• How does Travel Insurance work for Germany?
• Do I need Travel Insurance for Germany? 
• How much does Travel Insurance cost for Germany? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 Restrictions for Travelers to Germany?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to germany.

At a minimum, your travel insurance to Germany should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Germany.

How does Travel Insurance for Germany work?

Imagine this: You're exploring the scenic beauty of the Rhine River when, unfortunately, you fall ill unexpectedly. In need of medical attention, you're relieved to have AXA Travel Protection with the "Emergency Medical Expenses" coverage. The policy offers care for your medical costs, including hospital stays and doctor's fees so you receive the necessary care. In challenging circumstances, AXA stands ready to assist you in developing a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits: 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Germany?

Citizens from non-EU/non-EFTA states like the U.S., Canada, and New Zealand, can enter Germany without a visa, and are not obligated to have travel insurance. Even if you're not required to secure travel insurance, it is still highly recommended. Why? There are several reasons:

• Medical Emergencies: Given the diversity of activities in Germany, from exploring historic sites to enjoying outdoor adventures, having coverage for unexpected medical expenses allows you to travel with coverage and assistance. This benefit becomes especially crucial in case of illness or accidents, allowing you to access necessary medical care without hurting your pocket.  
• Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.  
• Lost or Stolen Luggage: While generally safe, tourist destinations in Germany may pose a risk of theft. The "Lost or Stolen Luggage" benefit is important in the unfortunate event of permanent loss or theft of your belongings. It offers reimbursement for the value of your lost items and essential possessions.

How much does Travel Insurance cost in Germany?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Malaysia will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Germany’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Germany's stunning landscapes in a rental car. Whether you're navigating the slopes of the Bavarian Alps or exploring the ski trails in the Black Forest, AXA Travel Protection's "Loss Ski Days" benefit may offer reimbursement for pre-paid ski tickets in the event of specified slope closures, so you can make the most of your skiing experience in Germany's world-class ski resorts.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Covers unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions. Emergency evacuation and repatriation: can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Extends coverage to situations where immediate departure from a destination is necessary for reasons unrelated to medical issues. This can include events such as natural disasters or civil unrest, providing assistance and support during non-medical emergencies.

Are there any COVID-19 restrictions for Travelers to Germany?

Currently, all the COVID-19 entry restrictions for traveling to Germany have been removed. You can now enter Germany for any reason, including tourism and visits, without needing to show proof of vaccination, recovery, or a negative test result.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan , in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Germany?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Germany?

No. Travel insurance is not mandatory for U.S. citizens staying in Germany for less than 90 days. Nonetheless, securing travel insurance is highly advisable. Medical expenses can be significant for non-residents, and having travel insurance is important when you consider the potential costs of prescriptions.

4. What is needed to visit Germany from the USA?

To enter Germany, US passport holders need a valid US passport issued within the last ten years, with at least three months of validity after leaving Germany and two blank pages. Additionally, make sure to have proof of a return ticket.

5. What happens if a tourist gets sick in Germany?

If you become sick in Germany, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

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provisit  germany Travel health insurance for stays in Germany up to 2 years

• Can be purchased before and after entering the country
• Quick conclusion of contract with immediate confirmation
• Many different payment methods
• Free of charge cancellation (based on the actual number of days of travel)

Who is Provisit Germany for?

• Foreign visitors
• Visitors from abroad
• Long-term travelers
• Work and travel participants
• Seasonal Workers and Caregivers
• Extensions of stay

Provisit Germany is a comprehensive insurance policy consisting of international health insurance, accident insurance, personal liability insurance as well as deportation costs insurance for foreign visitors in Germany. The insurance can be purchased before or after entry and complies with Schengen visa and National Visa (visa type D) regulations. Provisit Germany also offers you security if you work in Germany and are not subject to German social security. You forgot to obtain international health insurance or your stay in Germany has been extended? Then Provisit Germany is the solution, because it can also be purchased as additional insurance up to 12 months after leaving the country of departure to travel to Germany.

Provisit Germany at a glance

Provisit Germany benefits

Provisit germany premiums, more information about provisit germany.

You will find a full description of benefits and benefit exclusions in the Customer information download.

Product information sheet

Customer information & terms and conditions (German)

Provisit Germany premiums and benefits

Health, personal liability, accident and deportation costs insurance from €38.50 per month.

• Health insurance
• Outpatient medical treatment
• Inpatient medical treatment including operations
• Provision with medicine, dressing material and medical appliances
• Provision with remedies such as physiotherapy and physical therapy (during the entire insurance period): up to €250
• Medically necessary rehabilitation measures (subsequent to a previous medical treatment)
• Treatment in case of pregnancy and childbirth
• Medically necessary transport of patients for purposes of inpatient treatment and treatment by an emergency physician
• Medically necessary and prescribed return transport
• Non-contributory extension of insurance coverage up to 90 days in case of pending claims and if the patient is not medically transportable
• Expenses for the repatriation of the insured person’s remains in the event of death or funeral expenses
• Fees for medical costs projections
• No deductible in health insurance
• Direct billing with physicians and hospitals without advance payment
• Treatment of mental illness (also inpatient) except psychoanalysis and psychotherapy
• Dental treatment for pain relief
• Simple repair of existing dentures (during the entire insurance period): up to €200
• Dentures due to an accident (during the entire insurance period): up to €2,000
• Personal liability insurance
• Bodily injuries and property damage: €1,000,000
• Damage to the immovable property of a host family (deductible: €250). (Damage to the movable property of the host family is not covered.): €1,000,000
• Damage to rented property: €100,000
• Accident insurance
• Accidental death benefit: €5,000
• Benefit in case of 100% accidental disability: €105,000
• Disability benefit: €30,000
• Progression (increase in the sum insured in proportion to the degree of disability): 350%
• Rescue costs: €3,000
• Plastic surgery as a result of an accident: €3,000
• Deportation costs insurance
• Noncontributory extended liability in case of an ordered deportation: €4,000
• Purchase of insurance before or within one month after entering the country of destination (maximum insurance period 24 months)
• For persons up to 29 years: €38.50
• From the 13th month: €58.50
• Persons up to 69 years: €64.00
• From the 13th month: €111.00
• Purchase of insurance within one year after entering the country of destination (maximum insurance period 12 months)
• Persons up to 29 years: €54.00
• Persons up to 69 years: €85.00

Customer information & terms and conditions German)

Provisit Germany - health insurance for guests and visitors from abroad

Can i still take out provisit germany after entering germany.

If you take out Provisit Germany before you enter Germany, or up to one month after entering the country, the maximum insurance period is 24 months.

You can even take out this incoming health insurance if you entered the country more than a month ago, up to 12 months after entering the country. In this case, the maximum insurance period is 12 months.

In both cases, the insurance term begins at the desired insurance start date.

What kind of travels is Provisit Germany suitable for?

Provisit Germany is an international health insurance for stays in Germany of up to 2 years and is suitable for foreign guests, visitors from abroad, long-term travelers, work & travel participants, seasonal workers or nursing staff, extended stays and family visits.

Does Provisit Germany only cover Germany?

No, Provisit Germany insurance cover exists in the European Union (EU) as well as in Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino and Vatican City.

But you are also insured outside these countries as long as you can prove that your stay there will not last longer than 6 weeks. This includes your home country. This means that vacations and home visits are also covered.

Is Provisit Germany accepted by visa authorities?

Guests and visitors from outside Europe generally require a visa for their stay in Germany. Various requirements must be met for this. These include proof of valid health insurance . 

However, not all travel health insurance policies available on the Internet are suitable for the visa application. The health insurance must have a minimum cover of 30,000 euros , be valid for the entire stay and cover not only Germany but all Schengen states. Provisit Germany fulfills these conditions. 

There are two different types of visa for temporary stays in Germany: the C visa (also known as the "Schengen visa") for stays of up to 90 days and the D visa (also known as the "national visa") for longer stays. Our Provisit Visum travel health insurance is ideal for visitors with a C visa.

For stays longer than 90 days, Provisit Germany is the right choice.

How and when do I get the insurance confirmation?

You will receive confirmation of the conclusion of Provisit Germany immediately by e-mail. You can use this confirmation for the visa authorities as proof of valid health insurance in Germany.

What to do in case of an insured event?

What do you have to do if you actually get sick as a guest from abroad during your stay in Germany? What do you do in the event of a medical emergency? And above all: What do you have to do so that the insurance company pays for the treatment? We answer these questions in our overview " Procedure in the event of a claim ".

Exclusion of benefits – the facts

No insurance cover is provided for damages:.

• intentionally caused by the insured person;
• caused by the insured person as a result of an intentional criminal act or the intentional attempt of committing a criminal act.

Health insurance does not cover:

• Any pre-existing illnesses, diseases, disorders and their consequences that the insured person already had and suffered from at the beginning of insurance coverage. Furthermore, any consequences of such illnesses, diseases, disorders and of accidents, that were treated during the last six months prior to the beginning of insurance coverage.
• Psychoanalysis, psychotherapy and hypnosis (for exceptions see General Insurance Conditions (German) )
• Dental treatment that goes beyond treatment for pain relief as well as prophylactic dental treatment including plaque removal.
• Dentures including dental crowns, inlays and onlays (for exceptions see General Insurance Conditions (German) )
• Orthodontics.
• Medical appliances such as glasses, shoe lifts, bandages, trusses, etc. (for exceptions see General Insurance Conditions (German) ​​​​​​​)
• Pregnancies that were conceived prior to the beginning of insurance coverage.
• Preventive medical examinations and check-ups.
• Examinations carried out in order to obtain a residence permit.
• Treatment in case of acne and hair loss as well as measures for the removal of birthmarks and warts.
• Treatment of the eyes carried out due to ametropia, including visual acuity determination.
• Treatment in case of sterility/infertility (in vitro fertilization).
• Plastic surgery.
• Treatment for HIV infection.
• Certificates and expert opinions.
• Medical treatment by the host family. Material costs will be reimbursed.
• Medical costs if an illness is treated twice.

You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German) ​​​​​​​.

Liability insurance does not cover:

• damages to motor vehicles as a result of keeping or operating such vehicles;
• damages caused by the exchange, transmission or provision of electronic data.

You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German) .

Accident insurance does not cover:

• accidents caused directly or indirectly by nuclear power;
• accidents as a result of mental illness or cognitive disorders;
• accidents caused directly or indirectly by foreseeable acts of war.

FAQ - Frequently asked questions  

Further details on provisit germany, what kind of insurances do i get with provisit germany.

Provisit Germany is not only an incoming health insurance for guests in Germany, but also an insurance package that includes other insurances that are important for your stay:

- Personal liability insurance protects you against costs incurred if you accidentally damage other people or their property. Among other things, personal liability insurance is important for renting accommodation in Germany.

- Accident insurance pays for disability, cosmetic surgery or accidental death.

- Few people know that in the event of deportation, the foreign visitor or their host can be held liable for the costs of deportation. This is why deportation costs insurance can be very important, which is also included in the Provisit Germany package.

Is Provisit Germany valid immediately?

The official insurance confirmation will be sent to you by e-mail to the e-mail address you have provided immediately after you have taken out your insurance online . This insurance confirmation is valid as proof of your insurance cover during your stay in Germany when dealing with public authorities.

The insurance cover is valid immediately if you take out Provisit Germany before entering the country or up to one month after entry.

Only if your entry is more than one month ago when taking out Provisit Germany , you have to wait one month for the insurance cover to become valid. This waiting period does not apply under the following conditions :

- In the event of accidents and medical assistance to avert acute danger to the life of the insured person

- In the event of connection to a previous insurance policy that provided insurance cover for outpatient and inpatient treatment in the Federal Republic of Germany (requires proof of previous insurance in the form of a copy of the insurance policy)

What kind of travel insurance is Provisit Germany?

There are many different types of travel insurance. The word "travel insurance" is a generic term under which all types of travel insurance are summarized. The most important and most popular type of travel insurance is travel health insurance , also referred to as "international health insurance".

The term "travel insurance" is also used in the industry to describe an insurance package that includes several different types of travel insurance. Provisit Germany is one such travel insurance policy. It includes international health insurance, personal liability insurance, accident insurance and deportation costs insurance.

Who needs travel insurance like Provisit Germany?

With Provisit Germany , guests from abroad who want to stay in Germany or Europe for a longer period of time can insure themselves against financial risks that can typically arise during stays abroad.

The travel health insurance protects against the very high costs that can arise in the event of serious illness or injury. Personal liability insurance pays out if the foreign guest accidentally causes damage to people or people's property. Accident insurance covers costs incurred as a result of an accident. Deportation costs insurance is also important for the foreign guest, as in the event of deportation, the guest must bear the costs themselves.

However, travel insurance such as Provist Germany is not only important for the foreign guest, but also for the host - the person, company or institution that invites the guest to Germany to visit family or to work. If the guest comes from a third country, they usually need a guarantor for their visa - a person who undertakes to cover all costs that may arise during the guest's stay in Germany.

Provisit Germany travel health insurance by DR-WALTER

At provisit.com, we offer insurance policies for visiting foreign nationals in Germany. Provisit Germany is the recognized international health insurance for stays in Germany of up to 24 months. Over 100,000 satisfied customers have already purchased a Provisit Germany policy. We have developed Provisit Germany for your private or business trip to Germany. Who we are? The experts for international health insurance. For over 60 years , DR-WALTER has been insuring all types of travel. Our specialty is providing coverage for foreign visitors. We have received the TÜV certificate “Certified Service Quality” every year since 2011, which is proof of our outstanding services. Over the years, more than 99% of our customers have given us top marks for our insurance policies and services.

Customer reviews

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Required 30,000 euros coverage explained

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The national visa is also called Schengen D visa. It allows you to stay longer than…

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GermanPedia

Best International Travel Health Insurance In Germany [2024 Guide]

Last Updated:

Key takeaways

• Everyone traveling outside Germany should get an international travel insurance policy.
• Your public or private health insurance covers only a fraction of medical costs outside Germany.
• International travel health insurance costs only 8€ per annum for singles and covers 100% of the medical expenses you may incur on your trip outside Germany.

This is how you do it

• If you already have travel insurance, check if it still offers coverage that is as good as other providers.
• Get the international travel health insurance policy before the start of the trip.
• We find Barmenia * and Münchener Verein * travel insurance plans among the best for short trips.
• You can take Dr-Walter’s Protrip World * for trips longer than ten weeks. For example, you are planning to study or work abroad.

Table of Contents

Best international travel health insurance for expats in germany traveling the world.

In our research, we found Barmenia * and Münchener Verein * to be the best international travel health insurance providers in Germany for short trips (up to 56 days).

International travel insurance

• 100% coverage of medical treatment outside Germany
• Covers up to 56 days per trip and an unlimited number of trips in a year
• Covers repatriation costs that make medical sense
• Covers the cost of an accompanying member in case of a minor
• Covers up to 70 days per trip and an unlimited number of trips in a year

If you are traveling for more than eight or ten weeks, you need different travel health insurance. For longer trips, you can get travel health insurance from Dr-Walter.

Protrip World * offers coverage for trips up to 24 months. It’s suitable for digital nomads, au pairs, pupils, students, and travelers. 

Dr-Walter Protrip World

• Option to cover within EU, outside EU excluding or including USA and Canada.
• For stays abroad longer than ten weeks.
• Covers for up to 24 months
• Suitable for AU pairs, students, workers, trainees, etc.

What is international travel insurance (Auslandreiseversicherung) in Germany?

International travel health insurance covers the treatment costs you may incur while traveling outside Germany. It is called Auslandreiseversicherung in German.

Suppose you are on a vacation and break your leg. Not only will it ruin your trip, but it will also blow up your vacation budget.

In such situations, travel health insurance can come in handy. It covers your treatment costs and the cost of bringing you back home if necessary.

Do you know a single day in a hospital in the USA can cost 194,000€? This was the case with one of the Debeka members [ 1 ].

If you don’t have international travel insurance, you must pay this cost from your own pocket. 

Stay tuned!

GermanPedia helps 10k+ members like you to make informed decisions with confidence. Learn something new about Germany every week.

Difference between incoming travel insurance and international travel insurance in Germany

Many people often get confused between incoming and international travel insurance. They are two completely different products.

Incoming travel health insurance is for people who are not German residents and need health coverage while traveling to Germany.

On the other hand, international travel insurance is for German residents traveling outside Germany. 

Is international travel health insurance worth it in Germany? 

Yes, international travel health insurance is totally worth it. It costs only 8€ per annum for individuals, and families can be insured for as low as 19€ per annum.

For such a low cost, it covers hundreds of thousands of euros of your medical treatment expenses abroad. 

Everyone should get good travel health insurance before the start of their vacation.

Real-life examples of treatment costs outside Germany

• Heart attack when in Turkey: One of the travelers had a heart attack when visiting Turkey. He has to be hospitalized for the treatment. The public health insurance only covered 300€ of the 60,000€ bill.
• A single day in a hospital in the USA costs 194,000 € to a traveler. Public or private health insurance either doesn’t cover the costs or reimburses a negligible amount.
• Repatriation cost within the EU: A flight to bring you back home from an EU country can cost tens of thousands of euros. Public and private health insurance doesn’t cover repatriation costs.
• Repatriation cost from Asia or Australia: As per ADAC, it can cost up to 130,000 €.

German public health insurance coverage outside Germany

• Public health insurance partially covers you within the European Union, Iceland, Liechtenstein, Norway, and Switzerland. It also offers coverage in countries where Germany has a social security agreement. However, the coverage is minimal and hardly pays anything.
• German public health insurance reimburses the amount that the public insurance of your visiting country reimburses. 
• Public healthcare in other European countries is not as good as in Germany. Moreover, many doctors in other European countries offer private treatments that are not covered by their country’s public health insurance.
• Public health insurance doesn’t reimburse 100% of the public treatment costs. You must pay part of it on your own.

In short, German public health insurance only covers a fraction of the actual medical costs abroad.

German private health insurance coverage outside Germany

Like public health insurance, private health insurance also offers coverage with the European Union, Iceland, Liechtenstein, Norway, and Switzerland.

Depending on your private health insurance plan, you may also have coverage outside Europe. However, most private health insurance plans don’t cover repatriation costs.

Thus, you should check with your private health insurance provider about coverage outside Germany. 

Even if your private health insurance offers medical coverage, getting international travel insurance is still worth it for the following reasons.

• Travel health insurance only costs 8 € per annum.
• You can claim the medical expenses from your travel insurance instead of private health insurance. This way, your no-claim bonus of private health insurance isn’t affected. And usually, the no-claim bonus is way more than 8 €.
• International travel insurance offers comprehensive coverage outside Germany. For example, covering repatriation costs.

Other types of travel insurance that make sense

• International travel health insurance (must):  covers the costs of medical treatment abroad and transportation costs back to the home country.
• Travel liability insurance (must): covers you for up to 3 million euros if you cause damage to a third party. It’s similar to personal liability insurance , which everyone must have in Germany.
• Travel cancellation insurance: covers the costs of trip cancellation and interruption. It makes sense if your booking costs are high and non-refundable.
• Travel accident insurance: Pays in the event of death (10,000€) and total disability (30,000€). You should get it if you plan to do sports activities that are prone to accidents.
• Travel luggage insurance: covers luggage damage or loss (up to 3,000€ for singles and 6,000€ for families). You should get it if you are carrying valuables with you.

Based on the recommendations of top insurance brokers and Stiftung Warentest, we find Barmenia * and Münchener Verein * to be the best travel insurance policy providers.

Both insurers offer all of the above types of travel insurance as add-ons.

What does good international travel insurance cover? 

• Free choice of doctor and hospital at your holiday destination
• Reimbursement of costs for essential treatments like outpatient and inpatient treatment, treatment of sports injuries, and reimbursement for necessary aids such as crutches.
• Dental treatments , repairs to existing dentures, and temporary dentures
• Reimbursement of costs for the accommodation of an accompanying person in the hospital if a co-insured minor child requires inpatient treatment
• You should ensure that the provider pays for the return transport if it makes medical sense and justification —and not only if it’s absolutely necessary. “Repatriation makes medical sense” means you can be treated abroad, but treatment in Germany promises better success. Thus, you should be brought back home.
• Reimbursement of costs of the return transport of an accompanying person. Suppose your minor child falls ill and has to be brought back to Germany with an accompanying person.
• Transmission of messages to the insured person’s family or company in the event of illness abroad (assistance service)
• 24-hour emergency service
• Cover search and rescue costs of at least 5,000€.
• Covers any number of trips within a year
• Covers a trip for up to 56 days . The insurance covers all your trips within a year. So, if you took three trips of 50 days each, all of them are insured. 
• It covers the country you are traveling to.
• Your insurance coverage should be extended until you are fit for transport.
• Insurance company takes part in the ombudsman process
• Covers pre-existing illnesses
• Travel insurance doesn’t cover the treatment costs you know you’ll need before the trip. However, suppose your pre-existing illness, like asthma, is being treated, and you are fit to travel. But your illness (asthma in this example) worsens during the trip. In this case, your insurance policy should cover the costs.
• Illnesses caught during a pandemic. Covid has taught us many lessons. One is to ensure coverage for pandemic diseases when traveling abroad, including COVID-19.
• Your travel health insurance should offer coverage, even if the Foreign Office issues a travel warning for your destination country due to a pandemic.
• If your partner is pregnant , ensure your travel insurance covers the cost of premature childbirth, miscarriage, or complications during pregnancy.
• Transfer/burial at the place of death (up to 10,000 €)
• Hospital daily allowance of 15€ per day 

NOTE : You need different health insurance for longer trips, like working or spending a semester in a foreign country.

What does international travel health insurance NOT cover?

• Psychotherapy and psychoanalytic treatments .
• Costs of preventive examinations of a pregnant woman and childbirth. 
• Good tariffs do not generally exclude pre-existing illnesses. However, it doesn’t cover the treatments you already know you’ll need before the trip . Example: You suffered a back injury before your vacation. You have already started physiotherapy sessions and know you’ll need more sessions during your trip. Such planned and foreseeable treatments are not covered by international travel health insurance.
• If you visit a country where the Federal Office has issued a travel warning due to war or terrorism , the travel insurance won’t cover you. However, if the travel warning was issued after the start of the trip, then you are covered.
• Spa treatment for rehabilitation measures.

International travel health insurance for short trips outside Germany

For travels up to 50 days, you can get international travel health insurance from Barmenia * or Münchener Verein *.

When comparing different travel insurance tariffs, we considered the recommendations of top insurance brokerage companies (Bierl, Schleeman), the Stiftung Warentest score, coverage, and customer reviews.

International travel health insurance for long vacations outside Germany

For trips longer than 70 days, a normal international travel health insurance policy doesn’t work. You must get long-term travel health insurance.

You can get travel health insurance from Dr-Walter’s Protrip World * covers you for up to 24 months and is suitable for 

• Work and Travel participants
• Language student
• Long-term vacationers
• non-posted workers

Moreover, if you forgot to take travel insurance before your trip, you can take Dr-Walter’s Protrip World * during your trip.

Which health insurance do you need to study or work outside Germany? 

During our research, we found Dr-Walter’s Protrip World * a good travel health insurance plan for students planning to study outside Germany.

Protrip World is also a good option for workers assigned to work outside Germany.

When must you take out international travel health insurance? 

You can take out international travel insurance at the last minute or in advance. The insurance companies offer coverage immediately, and there is no waiting period.

However, it’s best to get an international travel insurance that covers all the trips in a year. The policy renews automatically every year.

So, you have to get it once, and you and your family are covered for all your trips outside Germany.

Travel insurance companies revise their tariffs regularly. Thus, you should check your existing travel insurance plan every two years and get a new policy if you find gaps in the existing one.

How do you claim international travel insurance benefits in an emergency? 

Travel within the EU

• Carry your health insurance card with you. You don’t need an EHIC card; your public health insurance card already has it printed on its back.
• You can use your health insurance card in the hospitals for treatments. The hospital will charge the insurance company directly.
• There will be costs that you must pay on your own and are not covered by your public health insurance. You can claim them from your travel health insurance once you return home.
• Always carry the international travel insurance number and emergency number provided by your insurer. 
• Contact the travel insurance company to clarify the documents they need to reimburse the costs. This way, you can request the hospital or doctors for the required documents.

Travel outside the EU

• Public health insurance doesn’t work outside the EU or in countries with which Germany doesn’t have a social security agreement.
• You must pay the costs on your own, and the travel health insurance company will reimburse you later.
• For expensive treatments, you or your relatives must call the travel insurance company. The insurer can provide the hospital with a guarantee that the treatment expenses are covered. This way, you don’t have to pay hundreds of thousands of euros before the treatment.

You can do the whole claim process online or in the insurance company’s app. You must upload all the invoices when claiming the insurance benefits.

NOTE: Your invoice should be in German or English and contain the patient’s name, the treating doctor’s name, the diagnosis, and the type of treatment.

Regularly check your current international travel health insurance policy in Germany.

Travel insurance companies regularly revise their contracts. Thus creating gaps in the old insurance policies. 

So, you should regularly compare travel health insurance policies and get a new one if your current plan isn’t the best anymore.

We suggest checking your international travel insurance plan once every two years.

• https://www.finanzberatung-bierl.de/leistungen/krankenversicherung/auslandskrankenversicherung-leicht-gemacht/
• https://www.finanztip.de/krankenversicherung/auslandsreisekrankenversicherung/
• https://schlemann.com/krankenversicherung/krankenzusatzversicherung/auslandsreisekrankenversicherung/

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The information provided in this post is based on our own experience and in-depth research. The content of this post might be inaccurate. It should not be considered financial, tax, legal, or any kind of advice.

We are not certified brokers or consultants. Always do your own research and contact certified professionals before making any decision.​

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Plan for Germany

Traveling or relocating to Germany? Understanding the German healthcare system is vital, as every individual in Germany, even short-term visitors, must have health insurance to comply with regulations. Failure to have insurance may result in visa application rejections. Explore the various types of health insurance available:

• Essential for individuals requiring a Schengen Visa for short stays in Germany.
• Covers medical emergencies and accidents during the visit.
• Ensures compliance with visa application requirements.
• Mandatory for international students enrolling in German universities.
• Covers medical expenses and provides clearance from the university.
• Required for students attending preparatory language courses in Germany.
• Offers coverage for the duration of language courses.
• Essential for individuals relocating to Germany for work.
• Provides comprehensive coverage for up to five years.
• Ensures financial protection and peace of mind during the stay.

Ensure you have the right health insurance coverage before traveling to Germany to pursue your dreams. From short-term tourists to long-term expatriates, having adequate health insurance is crucial for a smooth and hassle-free stay in Germany.

Travel Health insurance for foreign visitors/tourists in Germany

Planning a trip to Germany or Europe? Whether it’s sightseeing, visiting relatives, attending a business conference, or backpacking through Europe, your first step is to check if you need a Schengen Visa. This visa allows for a “short stay” of up to 90 days in 26 European countries.

To obtain a Schengen Visa, one of the requirements is to have proper health insurance in Germany. Medical insurance is compulsory for all foreigners visiting the country, with a minimum coverage of €30,000 for medical treatment.

The travel insurance for Germany covers medical emergencies or accidents and is easy and affordable to obtain. MAWISTA Visum is a suitable choice for tourists and business travelers seeking travel insurance for visa purposes. Plus, it offers free cancellation if your visa is refused. Ensure you have the necessary health insurance for a hassle-free trip to Germany.

Travel Health insurance for international students in Germany

As an international student in Germany, obtaining health insurance is a crucial step in fulfilling your dream of studying abroad. Student health insurance not only provides you with permission and clearance from your chosen university to start your studies but also covers all your medical expenses.

With the right health insurance, you can focus on your studies without worrying about unexpected medical bills during flu season or other health-related concerns. There are two main types of health insurance plans available for international students in Germany:

• Most foreign students in Germany are required to hold statutory health insurance, also known as public health insurance.
• Exceptions to this requirement include guest scientists, post-graduate students, scholarship holders without an employment contract, college students, participants in language courses, students aged 30 or above, and those who have been studying in Germany for more than 14 semesters.
• Students who fall into the exceptions mentioned above or prefer private health insurance can opt for this type of coverage.
• While public health insurance is more common, private health insurance offers additional flexibility and coverage options.

Click to Buy from Fintiba – One Platform for Blocked Account + Health Inssurance 

If you choose to obtain health insurance from a company in Germany, it’s essential to carefully review the terms and conditions outlined in their contracts. Protect yourself from potential pitfalls by understanding the coverage details and potential costs involved.

Companies like Mawista have a long-standing reputation in the industry and offer tailored student packages such as the Tariff Mawista Student Classic, which are popular among international students in Germany. These companies provide affordable options and meet the specific needs of students studying abroad.

Please note that proof of health insurance, whether public or private, is required for enrollment at a German university. Ensure you have the necessary coverage to comply with university requirements and enjoy a seamless academic experience in Germany.

Travel Health insurance for language course/preparatory course students

If you’re planning to study or work in Germany and have enrolled in a preparatory language course, having health insurance is a prerequisite for attending the course. In this scenario, statutory or public health insurance is not permitted, and you’ll need to obtain private health insurance in Germany.

Private health insurance for language course or preparatory course students ensures that you are covered for the entire duration of your studies and alleviates concerns about unexpected health issues. This type of insurance offers comprehensive coverage at an affordable price, with basic monthly plans starting at only 33 euros.

With private health insurance, you can focus on your language studies without worrying about your health coverage. This insurance provides peace of mind and ensures that you have access to medical care during your time in Germany.

Travel Health insurance for Freelancers, Employees, and Expatriates in Germany

Germany is not only a desirable destination for visiting or studying, but it also boasts world-class working conditions and offers exceptional benefits to its workforce. If you’ve secured a job and are relocating to Germany, obtaining working health insurance is imperative. Even if you haven’t found employment yet, you can obtain the Blue Card, akin to the U.S. Green Card, allowing you to reside in Germany while seeking employment.

It’s advisable to acquire working health insurance, providing coverage for up to five years and comprehensive protection against emergencies and accidents. This type of health insurance is particularly recommended for expatriates.

For expatriates, it’s crucial to purchase working health insurance before making any other commitments in Germany. Moreover, this insurance is suitable for German citizens traveling abroad, ensuring coverage in any location they visit.

What does a Travel health insurance cover?

Depending on your requirements and circumstances, you will receive various levels of coverage with corresponding fees. Most of the health insurance options outlined in this article offer the following benefits:

• Hospital treatment and emergency services
• Medical treatment, including outpatient or dental treatment
• Provision of walking aids or wheelchairs
• Transportation to the nearest hospital
• Coverage for burial or transfer expenses
• Protection against theft or loss of personal belongings and property
• Coverage of expenses in case of rescue operations after accidents.

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Do I need travel insurance to visit Germany?

More info on the top germany travel insurance plans, reasons you may need travel insurance for germany, how much is travel insurance for germany, what types of travel coverage do i need for germany, what isn’t covered by travel insurance, tips for getting the best travel insurance for your germany trip, germany travel information & requirements, germany travel insurance faqs, related topics.

Travel Insurance for Germany: Top Plans 2024

• Your U.S. health insurance won’t typically work in Germany , so it’s a good idea to have travel health insurance at a minimum.
• Travel insurance for Germany costs around $12 per day, but basic travel medical plans can be even cheaper.
• In addition to medical emergencies , comprehensive travel insurance will also usually cover trip delays, cancellations, and interruptions, as well as medical evacuation and lost or stolen baggage.
• Our top picks for travel insurance for Germany are from Tin Leg, Seven Corners, Trawick, Travel Insured, John Hancock, and, IMG . (skip ahead to see these plans)
• We recommend using an online comparison tool to compare multiple quotes and coverage options all in one place.

Our top picks for the best travel insurance for Germany

Seven Corners

Trawick international.

Even if you don’t need it to get a visa, you should consider buying travel insurance while visiting Germany as U.S. health insurance won’t cover you while abroad .

Travel insurance for Germany isn’t mandatory for stays lasting 90 days or less.

If you plan to stay for more than 90 days, you’ll need a Schengen visa. When you apply for this type of visa, you must prove that you have travel insurance with €30,000 minimum coverage for medical expenses. Your travel insurance must also cover the cost of repatriation if you have to end your trip early.

Best Overall

Why we like it.

Editor's take

Tin Leg takes the top spot for insurance when visiting Germany.

Tin Leg Gold offers strong coverage limits at affordable prices and some of the highest customer satisfaction ratings in the industry. If you are looking for a plan that covers you for a bit of everything, this is it.

It’s a great middle-of-the-road option with coverage limits that are high enough for most travelers, destinations, and scenarios. It also comes with primary medical coverage, meaning you won’t need to pay out of pocket and wait for reimbursement from the provider.

It’s no wonder why this plan is consistently one of the top-selling plans among LA Times visitors.

Read our full Tin Leg review here

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Value for Robust Coverage

Seven Corners’ Trip Protection Choice coverage is one of the most robust plans available for its relatively low cost. Comprehensive primary medical coverage comes in at $500,000, covering you for nearly all unforeseen medical emergencies. Complimenting this is Trip Protection Choice’s $1 million in medevac and repatriation coverage, some of the highest levels of medevac coverage on the market.

Along with medical coverage, this plan also offers non-medical evacuation coverage, trip cancellation, interruption, and delay coverage. This complements further clauses such as accidental death & dismemberment coverage, and baggage damage.

Read our full review

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best for Medical Evacuation Coverage

The Safe Travels Voyager plan from Trawick International is one of the most highly rated plans on our list. This plan’s high coverage limits make it an attractive option for anyone traveling to Germany. The plans primary medical coverage comes in at $250,000 and its medical evacuation coverage tops a hefty $1 million - covering nearly all medical evacuation possibilities

The Safe Travels Voyager plan also offers both trip cancellation and trip interruption covering 100% and 150% of the costs respectively. This plan provides coverage for both domestic and international acts of terrorism and optional coverage to cancel your trip for any reason.

Travel delay coverage comes in at $3,000 and it also offers $2,500 per person and $300 per item, on any baggage delays and loss.

• Excellent medical coverage limits
• Up to $2,500 baggage coverage included
• Covers quarantine accommodation expenses
• Baggage delay coverage only kicks in after 8 hours
• CFAR only covers 75% of the insured trip cost

Covers Pre-Existing Conditions

Travel insured international.

The Worldwide Trip Protector plan from Travel Insured International is another pan on our list that is perfect for those traveling with a pre-existing condition. Pre-existing conditions are automatically covered with this plan if the coverage is purchased within 21 days of the trip deposit.

This plan is also renowned for its 100% coverage of the insured trip cost due to cancellation and 150% of the insured trip cost due to interruption. The Worldwide Trip Protector plan will pay out $1,500 for trip delays and $500 for baggage delays - simply after only 3 hours’ worth of delays.

Medical coverage from the Worldwide Trip Protector plan is also an attractive perk. This includes $100,000 worth of medical coverage and 1 million worth of evacuation coverage.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• 24/7 emergency travel assistance included
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best Coverage for Seniors

John hancock insurance agency, inc..

John Hancock’s Gold plan is a fantastic insurance plan for those with pre-existing conditions looking to travel to Germany. Automatically included in the coverage, this plan allows elder travelers to be free from the stresses of pre-existing conditions that may hinder them with other providers. Alongside this perk, the Gold plan also offers both trip cancellation and trip interruption coverage worth up to 100% and 150% of the trip cost.

John Hancock’s Gold plan provides top-of-the-range coverage when it comes to all things medical. This plan offers medical emergency coverage worth up to $250,000 and $1 million in coverage for emergency medical evacuation and repatriation of remains - some of the highest across the market.

• Travel delay coverage kicks in after just three hours
• Generous coverage for emergency evacuation and repatriation of remains
• Optional CFAR upgrade available
• Baggage insurance comes with generous limits of up to $2,500
• Terror attack coverage included
• Baggage delay coverage requires a 12-hour waiting period

Best for Adventure Sports

IMG’s iTravelInsured Travel LX Basic plan is a great selection of coverage for those vacating in Germany. Its medical coverage worth $500,000 is a figure that covers you for most medical emergencies and being a primary coverage, you will not end up out of pocket while receiving your care. Medical evacuation coverage is a fantastic $1,000,000 per person and there is also an added bonus of $50,000 worth of non-medical evacuation coverage included.

Those partaking in sports and leisurely activities throughout their German vacation will be pleased to know that IMG’s iTravelInsured Travel LX Basic plan provides a wide range of sports-related coverage. This includes sports equipment delay coverage worth $2,000 and $10,000 worth of search and rescue coverage.

• 10-day money back guarantee
• Generous limits for trip delays, emergency evacuation, and more
• Coronavirus-related medical expenses covered
• Rental car coverage included
• Recently developed pre-existing conditions may not be covered
• CFAR and IFAR coverage only available as an add-on with premium plans

Here are some of the main reasons you should consider buying travel insurance when visiting Germany:

Terrorism concerns

Like other major European countries in recent years, Germany has faced rising security concerns due to terrorist activities. Well-known events include the August 2024 Islamic State knife attack in Solingen, Germany that killed 3 and the 2016 attack on Christmas Markets. While these events are rare, it’s important to prepare for the risk and understand which locations could be potential targets. Most travel insurance policies can cover you in case of terrorist activities with protections for evacuations, emergency medical assistance, cancellations, and interruptions.

Theft at popular cultural events

Germany is home to world-famous cultural events like Oktoberfest and Christmas markets. These events are usually quite crowded and attract tourists from all over the world. As a result, they are often the target of choice for thieves and pickpockets . Travel insurance can reimburse you for personal items that are lost, stolen, or damaged while traveling. While it may not replace the sentimental value of your belongings, having the cost covered can mean the difference between ruining your trip or allowing you to pick up the pieces and enjoy the rest of your travels.

Public transportation

One thing people love when visiting Germany is how easy it is to get around. Whether you plan to stay in one city, move around the country, or visit neighboring countries, German public transportation is convenient and quite reliable. That said, there can be occasional interruptions due to maintenance, accidents, and strikes. Apart from this, if you aren’t familiar with using public transport it could cause disruptions in your travel itinerary. It’s important to be prepared for using public transport in Germany and to be covered for all possible scenarios. Travel insurance can cover expenses related to missed connections, delays, interruptions, and finding alternative transportation arrangements if needed.

Safety on Autobahn highways

Germany is famous for its ultra-high-speed highways known as the Autobahn. While traveling on the Autobahn can be thrilling to visitors, it also poses safety risks for those unaccustomed to traveling at high speeds and driving in a foreign country where rules may be slightly different . In light of this, travel insurance with medical assistance and rental car coverage is an easy way to help you mitigate risks that could arise from accidents or damage to you or the vehicle while driving in Germany.

Hazards in the Bavarian Alps

The Bavarian Alps in Germany offer stunning landscapes for hikers, climbers, skiers, and more, making them one of the most popular areas to visit in Germany. However, the Alps areas are prone to natural hazards like avalanches and flash floods, as well as safety risks due to the adventure and sports activities typically enjoyed in this region. Travel insurance for medical emergencies, medical evacuation, and adventure sports coverage is key to staying fully covered while enjoying all the Alps have to offer. Not all plans cover adventure activities, so it’s important to compare plans before buying.

Weather disruptions to travel plans

Germany is located in Central-Northern Europe where the weather can be harsher than other countries like Spain or Portugal. Depending on when and where you visit Germany, you may experience unexpected rain or snowfall. It’s important to remember that weather is one of the main factors that can alter travel itineraries and lead to cancellations or delays. Opting for a travel insurance plan that covers delays, cancellations, interruptions, and more can help you minimize the inconvenience and financial risk associated with weather-related trip disruptions.

The average cost of travel insurance for Germany is $12/day.

This number is based on internal data of LA Times visitors who purchased travel insurance for Germany over the past year. Customers paid an average of $281 for travel insurance to Germany for an average trip length of 23 days .

Breaking this down by the type of policy reveals that comprehensive travel insurance for Germany costs around $8 to $10 per day and includes coverage for things like cancellations and delays. However, cheap travel insurance plans for Germany often cost around $1 per day for basic medical-only coverage.

For more concrete examples, we requested quotes from three popular providers for a 35-year-old visiting Germany for 7 nights with a total trip cost of $2,000.

Cost example for medical-only travel coverage

If you want your policy to include things like trip cancellation and interruption coverage, you will need to purchase a more comprehensive plan such as the ones below.

For the following table, we have quotes for plans that reimburse you if your trip to Germany is canceled or interrupted.

Cost example for comprehensive travel coverage

Please note that these are taken from a hypothetical quote. Actual plan costs may vary and will depend on your own unique circumstances.

Keep in mind that many factors affect the cost of travel insurance:

• Trip length: If you plan to visit Europe for a few days, you’ll pay a lot less for insurance than someone who plans to stay for a month.
• Age: Health insurance typically gets more expensive as you get older. This is because older people are more likely to develop serious health conditions. As a result, older people pay more for their coverage.
• Trip cost:   The longer you plan to be a tourist in Europe, the more you’ll pay for insurance. This is because the insurance company will have to reimburse you a larger amount of money if your trip is canceled or interrupted.
• Coverage limits:   If you choose an insurance plan with high coverage limits, you’ll pay more than you would for a no-frills plan.

We recommend opting for comprehensive travel insurance when visiting Germany. This will give you medical coverage plus protections from other things like delays, cancellations, and more.

Travel insurance plans for Germany can be broken down into two categories:

Medical-based travel insurance

• Comprehensive travel insurance

What is included in your overall travel insurance coverage will depend on the type of policy you purchase.

The most rudimentary level of travel insurance for Germany should be medical-based. A basic medical insurance policy is often the cheapest level of insurance you can buy. Travel health insurance for Germany will cover you during your trip should you fall ill or require emergency medical treatment.

Government medical insurance such as Medicare, Medicaid, and private US insurance will not be valid in Germany. Therefore, having no medical insurance will leave you picking up the bill should the worst happen during your trip.

Medical-based travel insurance policies usually cover two separate coverage limits for medical emergencies and emergency medical evacuations:

• Emergency medical insurance: At the very minimum, we recommend purchasing a travel insurance policy that covers medical emergencies. This type of coverage will protect you should you require any hospital treatment such as blood tests, IV fluids, and other types of medical care.
• Medevac insurance: If you are planning to visit remote locations throughout your Germany vacation such as the Bavarian Alps, medical evacuation insurance is a must. This part of the policy will cover you should you need transport to the nearest suitable medical facility in an emergency.

Medical plans will not cover you for far more in-depth travel insurance add-ons such as trip cancellations or trip cost reimbursement. If you require this added extra, you should opt for a far more comprehensive travel insurance plan.

Comprehensive travel coverage

When purchasing a travel insurance policy, you will have the option of choosing plans that reimburse you for non-refundable prepaid trip expenses and plans that don’t. If you require coverage for such things as trip cancellations , trip interruptions, travel delays, and the loss of personal items, you should purchase a policy that covers trip cost reimbursement.

Your vacation to Germany may be interrupted or canceled based on unforeseen events such as a terrorist attack, social unrest, or extreme weather conditions. If this is the case, you will need to buy a policy that offers cancellation and interruption coverage for prepaid, nonrefundable expenses to claim your money back.

Optional Add-ons

Some travel insurance policies for Germany will offer cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your travel plans for any reason at all and still get back around 50% to 75% of your prepaid travel expenses. Including CFAR insurance with your travel insurance to Germany will allow you far more flexibility should you change your travel plans.

In most circumstances, travel insurance policies will exclude coverage for the following circumstances:

• Claims resulting from illegal activities
• Claims related to medical tourism
• Injuries resulting from intoxication from drugs or alcohol
• Cancellations due to fear COVID-19 ( See COVID-19 travel plans )

Other than these highly obvious reasons, some travel insurance providers will also include restrictions for the following situations:

• Pre-existing medical conditions: Unless you have a waiver included in your travel insurance policy, most providers will not offer coverage for a pre-existing condition . To qualify for this waiver, you must purchase your travel insurance plan within 14 to 15 days of making your initial trip deposit.
• Adventure sports: General travel insurance plans will not include coverage for adventure sports that can result in injury. This includes activities and sports such as skiing, rock climbing, and other adventure activities. If you do plan to take part in activities such as this during your Germany trip, you must purchase coverage that includes these sports.
• Pregnancy-related care: Basic travel insurance policies will not cover you for regular wellness care and a normal delivery during pregnancy. However, emergency care that you require while traveling while pregnant may still be covered.

Even if you don’t need a visa, getting German travel insurance has many benefits. To find the best travel insurance at the best price, follow these tips:

• Shop around: Compare costs before you commit to a specific health insurance or general travel insurance provider. You may be able to get the same coverage for a fraction of the price that other companies are charging.
• Use common carriers: Remember, trip delay insurance only works if you’re delayed while traveling via a public airline, passenger railway, or another common carrier.
• Opt for a comprehensive package: Look for one that includes health insurance, trip cancellation insurance, trip delay insurance, and coverage for lost, stolen, and damaged baggage. If you plan to rent a vehicle, consider adding rental insurance.
• Review your itinerary:   If you plan to participate in any risky activities, such as skiing or ziplining, you may need to purchase additional coverage.
• Determine how much flexibility you need: If there’s a good chance your plans will change once you get to Germany, you may want to pay more for higher coverage limits.

The table below shows key information you should know before traveling to Germany:

Do I need a visa or passport to visit Germany?

You must have a passport with at least two blank pages to visit Germany. You don’t need a visa unless you plan to stay for more than 90 days. In that case, you’ll need a Schengen visa.

Are there COVID-19 restrictions for U.S. travelers?

According to the German Missions in the United States , Germany has lifted all travel restrictions related to COVID-19. This includes vaccination and testing requirements. Recent reports from the CDC have shown that COVID cases are on the rise, you should therefore consider having a COVID travel insurance policy in place, just in case you fall ill during your vacation.

Is Germany a Schengen country?

Yes. It’s one of 27 countries in the Schengen Zone , a border-free area that allows people to move around without having to go through border checks while crossing from one country to another.

Is it safe to travel to Germany?

The U.S. Department of State has issued a Level 2 advisory due to heightened safety and security risks.

You need travel insurance if you plan to stay in Germany for more than 90 days. Otherwise, this type of insurance is optional.

Based on the seven quotes we received, German travel insurance costs an average of $282.55 for a 7-day trip.

What should I look for in a Germany trip insurance policy?

Look for comprehensive insurance that covers a wide variety of scenarios, including cancellations, delays, lost or stolen baggage, medical emergencies, and medical evacuation.

Is German health care free for Americans?

No. Americans aren’t eligible for the free health care provided to German citizens

About the Author

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Travel Insurance For A Trip To Germany

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Whether you’re trekking in the Black Forest or sightseeing in Cologne, unforeseen situations can arise during a vacation to Germany. Travel insurance for Germany can protect you against financial losses if unexpected medical treatment, trip cancellations or travel delays hinder your plans.

We at the MarketWatch Guides Team have researched and reviewed the best travel insurance companies to help you navigate coverage, costs, benefits and insurance requirements for your trip to Germany.

Compare Travel Insurance Companies For a Germany Trip

Use the table below to compare average costs and coverage details for our top-rated travel insurance companies:

Do I Need Travel Insurance for Germany?

Germany travel insurance requirements vary based on where you are traveling from and if you need a visa. Travel insurance is optional for U.S. citizens and other travelers who do not require a visa as long as they stay in Germany for less than 90 days. But if you need a visa to enter Germany or the Schengen Area, then travel insurance is mandatory. Visit the Schengen visa website to learn about Germany visa requirements and applications.

If you have to cancel your trip unexpectedly , Germany travel insurance may cover some of your prepaid, nonrefundable expenses. This could include reimbursements for flights, lodging and travel excursions. Generally, travel insurance covers trip cancellations for the following reasons:

• Jury duty or legal obligations
• Death of an immediate family member or travel companion
• Unforeseen medical injury or a serious health condition
• Natural disasters
• Acts of war or terrorism

Travel insurance can also provide emergency medical coverage if you need health care abroad. Germany ranks among the top countries in the world for its high-quality health care system. Tourists will have to pay for treatment out of pocket, and medical costs can add up if your health insurance does not extend overseas. Purchasing a medical travel insurance plan can offer coverage and ensure peace of mind in case you need medical care while vacationing in Germany.

Cancel for Any Reason Coverage

Cancel for any reason , or CFAR, coverage is an optional upgrade to standard travel insurance policies that covers travel cancellations for any given reason. It is a worthwhile investment if you prefer flexibility, but will increase the cost of your premium.

CFAR coverage extends cancellation benefits beyond the reasons covered by your standard policy. Say you’re planning an anniversary trip to Hamburg and booked a nonrefundable hotel, but decide that Munich is a better option. With CFAR insurance, you can submit a claim for reimbursement of the lost lodging costs — simply because you changed your mind.

Although CFAR coverage offers flexibility, it is subject to deductibles, disclaimers and restrictions. Be sure to review coverage exclusions before you purchase this optional insurance.

Gear Theft Protection

Germany is considered a safe country for U.S. citizens to visit. However, as with every major city in Europe, there may be scams, crime and petty theft. If you’re visiting major cities like Berlin or Munich, you may want to consider gear theft protection.

You may want to bring your valuables to Germany, like a camera to photograph the Bavarian Alps or Oktoberfest. Gear theft protection covers you in case your items are lost or stolen. Coverage may include the following valuables:

• Laptop, mobile phone or tablet
• Professional camera
• Camera equipment, including tripods and stabilizers
• Sporting gear and equipment, like ski helmets, ski poles and snowboards

Most travel insurance plans cover valuable items up to a predetermined cost. But gear theft protection may not include coverage for all of your valuables. Review your policy for limitations and exclusions and consider leaving irreplaceable items at home. Medical Emergency Insurance and Emergency Medical Evacuation

If you have a medical emergency in Germany without travel insurance, you can endure a significant financial setback. While standard travel insurance policies provide some coverage, you are not guaranteed full reimbursement for any treatment you receive.

Medical travel insurance can include coverage for the following:

• Hospital expenses
• Operating room fees
• Ambulance costs
• Dental emergencies
• Lab tests and X-rays

Most travel medical insurance plans also provide emergency medical evacuation and repatriation. This coverage protects you from the cost of medical evacuation to your home country if you can’t receive the required health care in Germany.

Like the neighboring countries of Switzerland and Austria, Germany is considered an adventure aficionado’s haven. But keep in mind that travel medical insurance may not extend to extreme sports. However, some companies offer this protection as a policy add-on.

Rental Car Protection

The public transportation system in Germany is modern, well-connected and runs frequently. While public transit offers a budget-friendly, easy way of getting around, some travelers may prefer to rent a car.

Renting a car allows you more freedom to travel at your own pace, but there is more responsibility involved. Germany legally requires all rental cars to have unlimited third-party liability insurance. While this protection is automatically included when you rent a car, it offers minimum coverage.

Travel insurance with rental car protection can cover you if a rental car is damaged. Although the details differ from policy to policy, most premium rental car insurances include the following:

• Collision damage waiver
• Theft protection
• Windshield and tire protection
• Roadside assistance
• Personal effects and injury insurance

Standard travel insurance policies may only include rental vehicle excess to provide coverage if your rental vehicle is damaged or stolen. This protection can help you recoup financial losses if you’re held liable. Other providers may offer varying rental car coverages as add-ons, which increase your premium.

Trip Cancellation Insurance

Most travel insurance coverage includes nonrefundable and prepaid trip expenses up to a predetermined limit. Trip cancellation insurance can protect you from financial loss by reimbursing a canceled flight , hotel or even travel excursions.

Some of the accepted reasons you can file a claim for trip cancellation insurance include:

• Hospitalization
• Serious injury or unforeseen illness
• Death of a family member or travel companion
• Severe weather conditions
• Military orders (including domestic or international terrorism)

How Much Does Germany Travel Insurance Cost?

Whether you’ve decided on a short-term, single trip or an annual multi-trip policy, travel insurance costs can vary depending on many factors. Coverage costs largely depend on your personal preferences, destination and other travel plans.

To receive an insurance quote, you will need to provide the following information:

• Number of travelers
• Destination country and city
• Country of residence
• Trip length
• Total trip price

To determine the total trip price, factor in flights, accommodation and all nonrefundable and prepaid expenses. Many cheap travel insurance options are available if you are on a budget.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Germany. The below quotes are for a 30-year-old traveler from Florida, traveling to Germany for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Although policies differ between each insurance company, the above quotes can help you determine the cost of travel insurance . Each plan includes the following coverage:

• COVID-19 Cancellation
• COVID-19 Medical
• Trip cancellation
• Trip interruption
• Medical evacuation
• Medical costs

How Do I Get Travel Insurance for Germany?

Before planning your vacation to Germany, see what coverage you already have. Contact your current health insurance provider to see if your coverage extends abroad. Some credit card companies include travel health insurance and trip protection, and you can typically purchase flight insurance when booking with an airline.

If you want to purchase travel insurance for your trip to Germany, make sure to compare various plans and policies. We recommend you request quotes from at least three companies before deciding which travel insurance plan is best for you. Consider factors like pre-existing medical conditions and the activities you want to include in your itinerary. Review each policy in detail for exclusions and deductibles before purchasing.

Germany Safety Tips

Germany is considered safe and has low crime rates, but crime can still occur. Before you jet off on your German vacation, here are some safety tips to keep in mind.

Crime and Safety

Germany ranks high for safety in the Global Peace Index (GPI) and crime rates are low by global standards. However, there are recorded scams, petty theft and crime in major cities. Pickpocketing is an issue in Berlin and Munich, so practice general precautions when visiting.

Day Trips, Tours and Excursions

From learning about the history of Hamburg to exploring the Black Forest, Germany is home to many day trip destinations. You can also take a day trip to other European Union member states like Switzerland or Austria. Travel insurance can provide coverage for certain excursions and related costs, including gear rental if you are planning to golf.

Germany has lifted all COVID-19 restrictions as of February 2023. You will no longer be required to present a vaccination passport or negative PCR test if you are entering the Schengen Area. There are also no coronavirus restrictions on German public transport.

Consider a travel insurance policy with extended COVID-19 coverage if you worry the virus could interfere when you visit Germany.

Is Travel Insurance for a Germany Vacation Worth It?

If you have a U.S. passport, you do not need travel insurance to enter Germany, but purchasing an insurance policy can be worth it depending on several factors.

Travel insurance can protect you from financial loss if unexpected circumstances arise, like unexpected flight delays or cancellations, lost baggage and medical emergencies. Purchasing a policy to cover medical costs, trip cancellations and more can provide peace of mind so you can focus on enjoying your vacation.

Frequently Asked Questions About Travel Insurance in Germany

Can i claim flight compensation if my trip to germany gets canceled.

Unless you have travel insurance, refunds for canceled or delayed flights are subject to the airline and not always guaranteed. But purchasing travel insurance can add protection from financial loss if your flight is canceled due to a covered reason.

What type of travel insurance do I need for Germany?

The best travel insurance for you will depend on your personal preferences and coverage needs. If you are concerned about emergency medical events, look into travel insurance plans that offer comprehensive health coverage. Or seek a policy with extended trip cancellation and delay coverage if travel interruptions are your main concern.

Do I need travel insurance with a German visa?

If you are a U.S. citizen, you do not need to fill out a visa application if you plan to visit Germany for less than 90 days. Otherwise, you will need a visa , which mandates you have travel insurance to enter the country.

Is German health care free for visitors?

German public health care is only accessible to residents of the country. Visitors have to pay for treatment upfront. You claim reimbursement later on if your health care offers coverage abroad or you have travel medical insurance. Temporary visitors from other Schengen countries can use their European Health Insurance Card (EHIC) for emergency medical treatment.

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

• Netherlands
• Switzerland

• Good to know
• Go Germany!
• Insurances in Germany

Health insurance during your stay in Germany

Profes­sio­nals, students, au pairs and work & travelProfes­sio­nals, students, au pairs and work & travel: No matter where you go or what you do - your travel safety is our focus. Find the best matching cover:

Overview of all insurances for Germany

Statutory health insurance, for professionals and for properly enrolled student at a state-accredited university.

HanseMerkur's partner DAK-Gesundheit is a top-rated German insurance provider committing itself to provide the best service to all customers - with top rates for students, families and professionals.

Private Health Insurance for Pupils, Students and Trainees

For students studying at a private non-state-accredited university, for students aged 30 years and older, for students starting their 15th semester (or higher) or for doctoral students.

This covers you for stays in Germany of up to 5 years. Whether you are staying abroad as a pupil, student, doctoral candidate, scholarship winner, trainee or participant in a work & travel program, this travel insurance offers you optimum travel cover. You may combine your foreign health insurance with travel accident insurance, travel liability insurance cover, emergency insurance cover and luggage insurance cover.

(Example pricing per year)

Travel Insurance for au pairs in Germany

For au pairs.

Individually combined: you are able to extend your foreign health insurance cover for au pairs to include travel accident insurance, travel liability insurance, emergency insurance and luggage insurance to provide you optimum cover. This allows you to enjoy your stay abroad as an au pair without any worries.

Travel Insurance for stays up to five years in Germany

For professionals not subject to social insurance contribution.

For your long-term stay in Germany: opt for a comprehensive cover combining foreign health insurance cover with travel accident cover, travel liability insurance cover, emergency insurance cover and luggage insurance cover (also available individually).

Young Travel Insurance for stays up to five years

For work & travellers.

This covers you for stays in Germany of up to 5 years. When you are staying as a participant in a work & travel program, this travel insurance offers you optimum travel cover. You may combine your foreign health insurance with travel accident insurance and travel liability insurance cover.

Are you living in Switzerland?

If you are living in Switzerland we recommend visiting our Swiss website. There you are given valuable information and you can take out all travel insurances online.

For legal reasons you are not allowed to book travel insurances on our German website. We apologize for the inconvenience.

Switch to Swiss website

Health insurance as a requirement for your visa and stay in Germany

It is a legal requirement that all residents must have health insurance in Germany. Internationals must have sufficient health insurance coverage to obtain a visa. Similarly, getting a residence permit requires providing proof of adequate medical coverage throughout the stay. When preparing for your move, it is crucial to learn about the requirements of travel, private and public health insurance in Germany.

Table of content

• German health insurance system
• Travel health insurance
• Public health insurance
• Private health insurance
• Comparison of public and private health insurance
• What to do when in need of medical assistance

Related Pages

• Visa and residence permit
• Financial proof
• German language

The German health insurance system

The German healthcare system is one of the best in Europe. Since 2009 every person that has a residence in Germany is obliged to have health insurance . This also includes internationals in Germany. Whether someone is studying, working, or simply visiting Germany, they are required by law to be covered by health insurance.

There are two main types of health insurance available: public health insurance (also known as statutory or governmental) and private health insurance.  An additional type of health insurance is the travel health insurance . This is a requirement for obtaining a visa to travel to Germany.

Below you will find more details about these different health insurance types.

Travel health insurance for your German entry visa

When moving to Germany, you will need health insurance for your entry visa and a different insurance coverage for your stay in Germany. Make sure to learn the difference in the requirements beforehand to prepare your application documents correctly. This will increase your chances of getting a visa or residence permit in time.

While still in your home country, it can be challenging to get in contact with German companies. It can also be difficult to organize necessary documents without proper registration in Germany or supporting certificates. Health insurance is no exception. Therefore, make sure you are adequately insured when for the first few months in Germany until you have everything sorted out.

Private health insurance providers offer a simple solution for visa applicants, which can be obtained from another country without extra paperwork. This form of insurance is often referred to as “travel” or “incoming” health insurance . If you require a visa to enter Germany, travel health insurance is a mandatory requirement to obtain a German visa .

In most cases, you can use this insurance during your first months in Germany. Then you can later change to a more suitable option like public health insurance. Alternatively, you can opt to remain privately insured for the duration of your stay.

> Learn more about the health insurance types in Germany below.

Get guidance throughout your journey to Germany

Say goodbye to feeling overwhelmed while planning your journey to Germany! Our free comprehensive checklist provides you with an overview of your to-dos at all stages of your German adventure. From your visa application to settling in Germany – we’ve got you covered!

Register for the Fintiba Companion for a smooth and seamless relocation process!

What are the requirements for travel health insurance for Germany?

Make sure to check which health insurance requirements are listed by the specific embassy you will visit for your visa application. Typically, there are two basic conditions that your travel health insurance needs to fulfil – sufficient coverage and duration .

How long do I need to be covered by my travel health insurance?

Applicants usually need to provide a health insurance certificate for at least the first 3 months of their stay. However, some embassies might also require you to be covered for a period of 6 months after entry.

What coverage do I need for my travel health insurance for Germany?

Your travel health insurance should have coverage of at least €30,000. At best, you need to have unlimited coverage offered by your health insurance provider. Additionally, the insurance should also cover all Schengen countries.

It is also important that your travel health insurance for Germany covers unforeseen medical costs, like emergency medical care and hospitalisation.

Get a FREE travel health insurance for Germany with our Fintiba Plus package!*

Our special blocked account and health insurance bundle comes with free travel health insurance for your German entry visa. The package also includes a whole list of extra benefits.

See as well

What is incoming insurance

How to get health insurance in Germany

Customer reports about her health insurance experience

Public health insurance in Germany

Public health insurance is also known as governmental, statutory or “ Gesetzliche Krankenversicherung “. A limited number of public health insurance providers operate in the German market. The government strictly regulates their operations as well as their pricing policies. The system is designed to ensure that everyone has equal and affordable access to medical services.

For most people, internationals and German citizens alike, enrolling in public health insurance is often compulsory if you earn less than a specific income threshold. This currently lies at €66,600 per year (2023).

How does public health insurance work in Germany?

Once you apply for public health insurance, you will also receive a health insurance card with a number from your provider. You will always have to take this card with you to your doctor or hospital visit .

With public insurance, you do not need to make any upfront payments when you seek medical services. The doctor’s office or hospital will directly bill the insurance company for the services provided.

Additionally, you will pay a monthly premium to your provider based on your income. This cost will be shared between you and your employer and will be directly deducted from your wage.

The contribution system is usually different for publicly insured (international) students. Read more about this here .

What does public health insurance cover?

Public health insurance in Germany offers extensive coverage to ensure you do not face financial burdens due to medical reasons. The coverage includes but is not limited to:

• Doctor visits ( Hausarzt )
• In- and out-patient treatment
• Prescribed medication
• Maternity care
• Basic dental care
• Preventive check-ups

Please note that while public health insurance does provide comprehensive coverage, some services may not be fully covered . In these cases, you might either need to pay additional costs or get additional private insurance (e.g. for more extensive dental coverage).

Private health insurance in Germany

Private health insurance (“ private Krankenversicherung “) in Germany is mainly designed for those who earn more than the €66,600 per year threshold or are self-employed .

Additionally, private health insurance providers often offer special prices tailored to the needs and length of stay of international visitors in Germany. Therefore, it is better suited for individuals with temporary plans in Germany, such as au pairs, job seekers, or language students .

Universities also require private health insurance coverage for students who are 30 years of age or older . Although you can still sign up for public health insurance, private insurance is much more affordable and simpler to apply for.

Learn more about private health insurance for students here .

How does private health insurance work in Germany?

The private health insurance system differs significantly from the public system. The premiums are calculated based on individual factors such as age, health condition and selected coverage. Most private insurance providers require you to do a medical test before finalising a contract and may reject you if you have a chronic conditions.

Keep in mind that with private health insurance, all treatment costs must be paid upfront by the policyholder . After that, upon submission of an invoice, the private health insurance provider will refund the expenses (cost reimbursement principle) .

It is important to note that choosing private health insurance in Germany requires careful consideration of your healthcare needs, financial situation, and long-term plans. This is because switching back to public insurance could be challenging and you might not be eligible anymore.

What does private health insurance cover?

Compared to public health insurance, private health insurance provides a wider selection of coverage options and offers more flexibility. In most cases, you are free to customise an insurance plan that fits your needs. Here are some additional services that private health insurance may cover:

• Shorter waiting times for specialist appointments and selected procedures
• Private hospital room in case of admission
• Extensive dental procedures including cleanings
• Medical treatment and emergencies when travelling abroad

Be sure to carefully read the terms and conditions of the private health insurance policy. This assures that you are well informed of the coverage plan and its limitations.

Overview: Private vs public health insurance in Germany

Please note: If you want to change your health insurance company, this is normally only possible  after 12 months .

What should I do when I need medical assistance in Germany?

Emergency numbers.

Please use the following emergency contacts in situations when you urgently need medical treatment. You can make those calls anytime and free of charge.

112 – Ambulance and/or fire brigade (in the whole of Europe)

110 – Police

Medical on-call service

Once you need to get urgent medical assistance outside of regular working hours, you can either

• 116117 – use the on-call medical service provided by the Association of Statutory Health Insurance Physicians or
• contact the emergency department of the municipal hospital or the local university hospital

Learn more about German healthcare services, finding a GP and hospital visits here .

Learn more about health insurance in Germany

Watch the video playlist of our public health insurance partner BARMER  which explains what you need to do and how health insurance works in Germany.

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The Fintiba Companion: Guiding your way to Germany step-by-step

Never miss an important step on your journey to Germany. From preparing your university application to mastering your visa application and navigating through daily life in Germany – the Fintiba Companion provides you with relevant information throughout all important stages of your German adventure within a comprehensive checklist – tailored to your individual situation.

Last update: September 20, 2024

* With the Free Travel Health Insurance in the Fintiba Plus package, you can save up to € 95.00. Please note that your right for free travel health insurance will expire if you do not activate either the private or statutory health insurance included in the package.   We will issue an insurance confirmation which is valid for 183 days.

Public vs Private Health Insurance in Germany: Pros & Cons Explained

In Germany, every resident must have health insurance from either public or private providers which covers almost all of your healthcare expenses, ranging from routine care to medical operations and medication.

In general, you’ll have two options to choose from: public and private health insurance. 

Choosing public vs private health insurance in Germany can be a challenge as you juggle different eligibility requirements, costs, and coverage. 

In this article, we’ll cover: 

•  The pros and cons of public and private insurance
• Their different eligibility requirements
• The best option based on your income, employment and family size
• Differences in coverage between public and private insurance 
• Which is better for you

Let’s start by looking at the basic differences between them and their eligibility requirements. 

What is public health insurance? 

The first, and most common, type of coverage is public health insurance, which is state-backed insurance provided by more than 100 not-for-profit public health funds. These funds operate on a solidarity principle that aims to provide coverage so all residents can access treatment regardless of their wealth or health. 

The cost of a public insurance policy is directly proportional to your income and the typical contribution rate is approximately 14.6% of your gross salary. You’ll need to pay half of the costs and your employer the other half if you’re employed full time.  

Coverage on these plans is mainly limited to necessary care. Depending on your age, preventive procedures like checkups and cancer screenings may be included. If you want specific treatments on top of your coverage, you’ll need to cover those costs yourself.

Pros and cons of public health insurance in Germany

Sign up for public health insurance.

What is private health insurance?

The second type of health insurance in Germany is private insurance. This is insurance that’s not administered by state-backed insurance companies and is mainly provided by two types of companies: 

• Joint-stock companies ( Aktiengesellschaft — AG) which are owned by its shareholders and all profits are distributed to the shareholders; policyholders do not receive a share of the company’s profits. 
• Mutual insurance companies ( Versicherungsverein auf Gegenseitigkeit, VVaG ) are owned by their members  and any profits made are redistributed among the members. Their purpose is to serve the policyholders’ interest. 

Unlike public health insurance, the cost depends on your age and health when you sign up. As a result, younger, healthier individuals usually get a better price. Private schemes also allow you to modify your plans and may offer more comprehensive cover if you’re willing to pay higher premiums. 

There are other prerequisites you need to meet to qualify for private health insurance. First, only civil servants, the self-employed, students and employees who earn more than €69,300 in 2024  are eligible for private cover.

To qualify, freelancers under 45 need to earn at least €2,500 per month and €3,750 for those over 45.

Pros and cons of private health insurance in Germany

Private health insurance in germany.

How to choose between public and private health insurance

So which is better? That will depend on your personal circumstances and the type of coverage you need. Let’s look at how your personal circumstances impact what private and public insurance have to offer. 

Type of employment and income

The first factor to consider is your type of employment and your income. Full time employees earning less than €69 300 per year are not eligible for private health insurance. As a result, you’ll need to have a public health insurance tariff. 

Freelancers who do not qualify for private health insurance will also need to take out a public health tariff. However, public health insurance is more expensive  as you do not qualify for employer contributions. If you’re self-employed and looking for help choosing the right insurance option, check out our health insurance guide for freelancers .

For high earners, private insurance can be cheaper  as tariff costs are not proportional to income. Additionally, tariff prices are tailored to your risk profile so the average healthy person will pay less for cover.

If you’re working as a civil servant and exempt from public health insurance contributions, private insurance is an attractive option as you’ll receive employer contributions if you take out private coverage. 

Family size 

Another factor to consider when choosing between private and public health insurance is the size of your family. On public health insurance plans, dependents with no or low income are covered free of additional charge. That can make it a more affordable option for large families. 

On the other hand, private health insurance can be cheaper for small families where the main member joined a private plan early enough. Likewise, if you’re childfree or not planning on becoming a parent due, private is cheaper due to the potentially lower tariff costs. 

In addition to employment type and family size, your age also influences which is the between option for your lifestyle. 

Your age does not impact how much you’ll pay for public health insurance. Additionally, you won’t pay more to cover chronic health conditions that become more common with age. 

Private health insurance tariffs are determined by your age and health at the time of signing up. As a result, they become more expensive for older residents changing over from a public health insurance plan. Private insurance tariffs may exclude coverage for some pre-existing conditions. 

It’s important to keep in mind that switching back to public insurance is almost impossible after the age of 55. 

All-in-all public insurance is often the best option for older residents due to its coverage for pre-existing conditions and fixed costs.

Compare the best plans for you with a personalized recommendation from Feather .

Health coverage between public and private health insurance

After considering your personal circumstances, you’ll need to look at the type of coverage you need to decide which is the better option for you. Here, we’ll look at the pros and cons of each as they apply to primary care, hospitalization, dental care and mental health.

Primary care

When it comes to accessing primary care from a general practitioner, your choice of public or private health insurance will not impact your choice of doctor.  Germany guarantees the right of choice for patients in this regard . However, you’ll need to choose a doctor that participates in the statutory health insurance scheme if you have a public insurance plan. 

Private insurance tariffs will typically have a network of providers you must choose from. Our private insurance tariffs offer you free choice of doctor without these restrictions. 

Public insurance requires an additional payment if you’re prescribed medication. This is set at 10% of the costs up to a maximum of 10€. Privately insured patients need to cover their medication costs upfront but usually receive a full reimbursement from their provider. 

If you’re publicly insured and seeking treatment from alternative or complementary medicine, you’ll need to cover these costs personally. Coverage for these under private health insurance will depend on your specific tariff and provider. 

Primary care coverage between public and private health insurance in Germany

Hospitalization 

Coverage for hospitalization will also depend on the type of insurance you choose.  Publicly insured patients can be treated at any licensed hospital in the country but you’ll need to go to the nearest available clinic unless in an emergency. 

If you’re hospitalized with public health insurance, all plans cover the cost of treatment and hospitalization. However, a co-payment of 10 € applies for every day you spend in hospital. This copayment applies for a maximum of 28 days or 280€. 

Privately insured residents often have wider access to hospitals, can be treated by heads of department and there’s often no copayment if you’re hospitalized on a private tariff.  

Dental coverage 

Both private and public health insurance includes some coverage for dental care and residents are free to choose a dentist that’s covered under their health tariff. 

Public health insurance offers full coverage for basic dentistry and care costs such as fillings and cleanings. If you need dentures, you’ll receive a 60% subsidy for the cost of basic dentures. 

This can increase to 75% for patients with a completed booklet showing a history of dental care. You’ll need to pay for the remaining costs yourself but you can opt for supplemental dental insurance to cover these expenses. 

Like public plans, private insurance tariffs have no restrictions on basic dental care. For prosthetics like dentures, providers will typically pay 50% to 100% of the costs depending on your tariff. 

When it comes to dental care, public and private insurance are about equal in terms of their basic cover. However, private insurance is cheaper for specialist treatment as you’ll pay more if you’re publicly insured with supplemental dental insurance. 

Dental coverage between public and private health insurance in Germany

Psychotherapy and mental health support 

Access to mental health support is the final factor we’ll use to compare public and private health insurance in Germany. The main difference between public and private health insurance is the number of sessions covered and the speed at which you can start therapy. 

Regardless of your choice of plan, you’ll have free choice of psychotherapist provided they’re licensed to provide care and are members of your insurance scheme. Both private and public insurance will cover approved therapies including depth psychology-based psychotherapy, analytical psychotherapy, behavioral therapy, systemic therapy, and EMDR for adults with post-traumatic stress disorder. 

On public health insurance, you’ll need prior approval before starting therapy but will often cover 100% of the costs for approved therapies. You can receive up to a maximum of 300 sessions depending on the treatment you require. 

If you have a private health tariff, coverage depends on your specific tariff and you’ll generally have fewer sessions covered per year. Many private tariffs will also cover a smaller percentage of the cost of psychotherapy (typically 70%).  

However, private tariffs gave the advantage of speed: In many cases it can take over a year to get therapy with public health insurance. With private health insurance, this period can take a few days to a few weeks.  

If accessing psychotherapy quickly is your priority, private health insurance is the better choice despite the additional costs. However, if you’re able to wait for therapy, public insurance will offer more overall sessions at a fixed rate.

Get faster access to mental health support with a private insurance tariff from Feather.  

Which is better for you?

So which is better for you? If you’re a high-earner or civil servant, private insurance is usually the better option. In general, the tariffs are cheaper if you sign up early in life. They also provide better coverage and faster access to care, including specialists and psychotherapy. 

Public insurance is a better option if you’re older as your tariff isn’t determined by your age or pre-existing health conditions.  Likewise, public insurance is often cheaper if you have a large family as your dependents are covered at no additional charge. 

Before deciding on a plan, get a personal recommendation based on your lifestyle from Feather . 

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Frequently Asked Questions

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• The Feather Guide to Health Insurance in Germany
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• Our guide to private health insurance in Germany
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• How do I find a doctor in Germany?

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Healthcare and Health Insurance

Living in a foreign country, knowing that your health and well-being are supported and that you will be looked after as an international student is important. The information on this page gives you a quick insight into the healthcare system in Germany, your insurance coverage, how to make a doctor’s appointment, where to get medications and whom to contact in an emergency.

Important to know: In Germany, every person must have health insurance. International students have to prove equivalent health insurance coverage that meets German health insurance standards either by the time they register or, depending on the country of origin, by the time they apply for a visa. It is best to clarify your health insurance situation as soon as possible.

Healthcare System

Health insurance during your studies in germany, the daad insurance: is it suitable for me, what to do if you fall ill.

The German healthcare system has a well-deserved reputation for offering equal treatment and easy access at moderate costs. You will find a large network of well-trained and skilled medical doctors, as well as modern treatment and support. There are also numerous pharmacies (in German: Apotheke) that can help you when you need medicines. There might be differences from your home country as to which medications are over the counter and which are prescription only, but pharmacists and doctors will be happy to help you with any questions.

As mentioned before: Every person in Germany is required to have health insurance – and so are you! This applies not only to international students, but also if you participate in a preparatory course or a Studienkolleg .

There are two types of health insurance: private and statutory (in German: private und gesetzliche Krankenversicherung). Generally, private health insurance plans offer more benefits, but they are significantly more expensive and require advance payments. For this reason, most people are covered by statutory health insurance. Statutory health insurance providers are required to offer a basic plan which includes most doctor's visits, a broad selection of medicines and, e.g., ER visits, ambulance rides and hospital stays. This basic coverage is always unchanged, no matter which statutory health insurance you choose.

By the way, with enrolment , (international) students are also automatically insured through the higher education institution’s accident insurance . The insurance covers e.g. all injuries during activities that take place on the institution’s grounds or that are organised by the higher education institution. However, it doesn’t replace your personal health insurance.

Is my health insurance valid in Germany?

Many international students do not need to obtain a new health insurance plan in Germany. You may be able to keep your home country’s health insurance if Germany has a social insurance agreement  with your home country. This mostly applies to students from the EU and the European Economic Area (Norway, Iceland, Liechtenstein).

If you are from one of these countries and have statutory health insurance, it is possible to have it recognised in Germany. Private health insurance is also sometimes accepted. However, with private insurance, you will not be able to change to statutory health insurance during your studies.

Regardless of whether you have statutory or private health insurance: Inform yourself by contacting your insurance provider in your home country whether your insurance is valid in Germany. You will usually need a European Health Insurance Card (EHIC) . Additionally, you will also need a certificate proving that you are not required to take out German statutory health insurance. This certificate is issued by the statutory health insurance providers in Germany. The International Office  of your chosen higher education institution will surely support you in this process.

There are a few exceptions: If you are doing an internship  or have a part-time job while studying, then you will have to obtain coverage with a German provider. Your home-country insurance is not considered sufficient.

Which German health insurance is right for me and what do they cover?

In case your current health insurance isn’t recognised in Germany, you must obtain health insurance coverage once you arrive in the country or when you apply for a visa. If you are under 30 years of age, you will profit from a reduced student rate of about 110 euros per month, which is offered by statutory health insurance providers. As soon as you have reached 30, you will have to pay the standard contribution though, even if you are still studying. This normal contribution is often a lot more expensive than purchasing a student plan from a private insurance company. Therefore, it might be worth checking whether private health insurance could be the cheaper option for you. You could also research if there are any arrangements between the Deutsches Studierendenwerk (Student Services) and insurance providers targeting students older than 30. For more information on this, you can also contact the local student services at your higher education institution in Germany.

When you decide on your health insurance, you can select from a wide choice of insurance providers. More information on statutory health insurance providers can be found on the website of the National Association of Statutory Health Insurance Funds . Here, you will also find a  list of the various health insurance providers (only available in German). Regarding private health insurance providers, you can find more information online. As there are many of them, please check carefully which one you choose. The services offered vary, so it's essential to ensure that a specific provider offers the coverage that matters to you.

Another easy way for you to get insurance in Germany might be the service packages for international students offered by many local Studierendenwerke. Next to accommodation and meals they all include health insurance for Germany. Please refer to your local Studierendenwerk to see if this package is available at your place of study.

The DAAD offers affordable combined health, accident  and personal liability insurance for certain groups of people. If you belong to one of these groups, this could be an option for you:

• Are you from abroad and completing an internship in Germany that is funded and arranged by the DAAD or its partner organisations? Then  this rate  applies.
• Are you a foreign student or doctoral candidate being funded or supervised via project agreements of the DAAD or one of its partner organisations (e.g. grant agreements or international partnerships between higher education institutions, government scholarship programme, participants in study and research training groups)? Here you will find the conditions that apply to you.
• Also, if you are a postdoc  or a researcher from abroad and are being supervised or funded by programmes of the DAAD or the European Union, partner organisations (AvH, DFG, etc.) or member higher education institutions of the DAAD, you can insure yourself and your accompanying family members under these conditions .

You can register for this insurance via the DAAD portal .

By the way: DAAD scholarship holders do not have to organise their own insurance. This is all taken care of by the DAAD.

If you have any health issues in Germany, there are services available to help you receive the care you need. In most cases, it is best to go to a general practitioner (GP) first, or as it is called in German Hausärztin/Hausarzt or Allgemeinmedizinerin/Allgemeinmediziner. They will assess whether the illness or injury should be treated by a specialist. If you don’t need to see a specialist, you might get a prescription from your GP for any medicines you may need. You can pick them up from a local pharmacy.

Sometimes, the GP will tell you to see a specialist. In that case, you get a referral to make an appointment with a specialist. However, you do not need a referral for all medical areas, for example with a dentist, gynaecologist or orthopaedist. Keep in mind, depending on the type of specialist, whether you have private or statutory health insurance and how urgent you need to be seen, it can take a few weeks or even more than a month before an appointment is free. 

All these visits are also covered by your statutory health insurance as long as it’s not a private doctor, in German: Privatpraxis or Privatärztin/Privatarzt. It is recommended to mention your (type of) health insurance when making an appointment to ensure that you find the right doctor for you.

For emergencies, at night or on the weekend, you can also always go to a hospital. If you require immediate treatment, call 112 to contact emergency services. This is also covered by your insurance. If it’s not an emergency, yet you feel that it’s an urgent situation and you cannot wait for your GP’s opening hours, you can reach on-call doctors via calling 116 117 , or you could check whether there is a "Bereitschaftspraxis" in your city. This can be an emergency clinic affiliated with a hospital or located in a central, easily reachable location in town. These clinics pull together medical specialists from various disciplines so that you can find help in the evening or on the weekends. Search for "Bereitschaftspraxis" plus your city's name.

TIP: Many doctors speak English or other languages such as Turkish, Spanish, French or Polish. If you use an online portal to find your doctor, you can sometimes filter for specific languages spoken in their offices. However, if you experience or fear language barriers with your doctor, you can turn to the International Office of your higher education institution for help: They often offer services such as study-buddy programmes to support international students in their daily lives. They may be able to help you find a volunteer to translate at your next doctor’s appointment. Of course, you can always ask a friend to accompany you. It is also the case that the majority of doctor’s office assistants speak only German. If it is not possible to book online or even over e-mail, have a German-speaking friend help you book the appointment.

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