Incoming Health Insurance for Germany

The insurance covers medically necessary treatment including general practitioner visits, specialist consultations, outpatient treatment, inpatient hospital treatment, emergency medical treatment, prescription medication, diagnostic examinations, medically necessary transportation, pregnancy complications, premature birth and miscarriage treatment. Coverage applies up to the limits stated in the selected tariff.

Yes, you are free to choose any licensed doctor, specialist, dentist, or hospital in Germany. There is no restricted provider network.

The insurance covers medically necessary inpatient treatment, shared hospital room accommodation, nursing care, hospital meals and medically necessary transportation.

Yes, medically necessary medication prescribed by a doctor is covered. Cosmetic products, supplements and nutritional preparations are not covered.

Yes, the insurance covers emergency and pain-relieving dental treatment. Basic covers dental treatment up to €500 per insurance year. Profi covers dental treatment up to €1,000 per insurance year, dental prosthetics up to €1,250 per insurance year and preventive dental check-ups up to €200 per insurance year. Orthodontic treatment, implants and cosmetic dental procedures are not covered.

Coverage is available but limited. For illnesses, complaints or accidents that were known during the six months before the insurance start date, the insured person must contribute the first €5,000 per claim. Benefits are limited to a maximum of €30,000 during the contract period.

Yes, both tariffs cover pregnancy complications, miscarriage and premature birth before the 36th week. The Profi tariff additionally covers preventive pregnancy examinations and childbirth.

Emergency treatment is fully covered according to the policy conditions. Emergency transportation and inpatient hospital admission are also included where medically necessary.

Yes, medically necessary repatriation to your home country is covered if further treatment abroad is not reasonable, treatment abroad is expected to exceed 14 days or repatriation is medically advisable.

Yes, coverage also applies during temporary trips to all EU countries, Schengen countries, Andorra, Monaco, San Marino and Vatican City. Your home country is excluded. For contracts lasting at least 12 months, temporary visits to your home country are covered for up to 6 weeks.

A deductible of €25 applies per insured event.

Yes, separate insurance policies can be arranged for spouses and children.

Yes, many expats only use incoming health insurance as a temporary solution. Once you start work and become eligible for public health insurance, you can switch to a German public health insurance provider. We support you with this process, simply click here.

Yes, many expats only use incoming health insurance as a temporary solution. Once you start work and become eligible for private health insurance, you can switch to a German private health insurance provider. We support you with this process, simply click here.

Examples of exclusions include treatment that was already planned before travelling, cosmetic treatments, psychotherapy and psychoanalysis, addiction treatment, spa and rehabilitation cures, artificial insemination, vaccinations, orthodontics and organ donation treatments. Please refer to the policy conditions for the complete list of exclusions.

We specialize in supporting expats relocating to Germany and provide English-speaking advisors, guidance on switching to German public or private health insurance and ongoing support after your arrival in Germany. Our goal is to make your relocation and insurance setup as simple as possible.