Health ⁣Insurance for foreign au pairs in GermanyHealth insurance is essential if you want to reside in Germany for any period of time and purpose. Germany has strict laws when it comes to insuring its residents in healthcare and since it has one of the best healthcare systems in the world, residents of Germany are provided with many medical services without having to worry about the bills.

Au pairs are not eligible to register with the statutory health insurance providers in Germany. This means au pairs are supposed to register with private health insurance providers during their stay in Germany. Health insurance requirements, in addition, depend on a variety of aspects, such as the au pair’s citizenship, duration of stay, and oftentimes even with the contract, they sign with the host family.

Let’s go through everything you need to know about health insurance for au pairs in Germany so you can begin your journey with confidence.

Au Pair Health Insurance for EU Citizens in Germany

Different rules and requirements apply for au pairs coming from EU and EEA member states in Germany in comparison to those coming from non-EU countries. Citizens of EU countries are eligible for German Health Care services through the European Health Insurance Card (EHIC), the application of which must be done in the home country of the au pair before entering Germany. However, these individuals must first verify with their health insurance company the validity extent of their insurance in Germany.

In addition, au pairs must never forget to check the services, benefits, and the coverage they will receive from their EHIC. Since health services are not the same in every country, it is important to stay safe and avoid having to deal with medical bills once you enter Germany.

As an au pair coming from an EU country, you can use your European Health Insurance Card, however, you should keep in mind that it does not cover private medical assistance in Germany. So, it would be best if you opt for German health insurance companies instead.

Au Pair Health Insurance for Non-EU Citizens in Germany

Non-EU citizens heading towards Germany do not have access to the European Health Insurance Card like citizens of the EU. This means that when they arrive in Germany, they will not be able to use insurance from their home country. The only option left is to register with one of the many private health insurance providers in Germany.

The German Embassy will require proof/confirmation of health insurance in order to grant a German AuPair visa.

Why Is Insurance Coverage Important for an Au Pair Stay?

Since one can never know about the situations that might arise in a foreign country, being insured is always essential and in Germany, it is a must.

It is advised that the au pair insurance should comprise travel health insurance, liability insurance and travel accident insurance.

According to the Federal Employment Office (Bundesagentur für Arbeit), the host family in Germany is in charge of arranging the insurances as well as paying the premiums. There are special and affordable au pair health insurance plans made specifically for this category of visitors, such as AU-PAIR24 and PROTRIP-WORLD.

The au pair insurance policy AU-PAIR24 provides the au pair with liability insurance as a private person and within his/her au pair activities. This health insurance plan is designed for au pairs from abroad in Germany, and it must be concluded by the host family.

PROTRIP-WORLD was created for au pairs, high school students, language and exchange students. With PROTRIP-WORLD you can choose between pure international health insurance or an insurance package consisting of international health insurance, liability, accident, luggage, and assistance insurance. This is an insurance for au pairs abroad in other countries, and it can be concluded by either the au pair or the host family.

What Are the Benefits of Health Insurance for Au Pairs?

EU citizens can use their European Health Insurance Card as their health insurance coverage if they do not plan on staying in Germany for a long period of time. This card enables you to receive the same services as any other resident in Germany registered with public health insurance providers. However, the card does not cover private services, only state-provided assistance, and it does not cover long-stays but only temporary entrants.

In addition, EU residents may also choose to obtain private health insurance schemes in order to get more thorough and personalized services. Germany offers numerous low-cost private health insurance providers made specifically for au pairs.

If you’re not sure which Aupair insurance provider to contact and register with, we suggest to check out AU-PAIR24 and PROTRIP-WORLD.

You can simply purchase health insurance but you may also get an “all-round” protection plan including:

  • Foreign Health Insurance
  • Travel Accident Insurance
  • Travel Liability Insurance
  • Travel Baggage Insurance
  • Emergency Assistance Insurance

You should keep in mind, however, that you have to make sure that the health insurance you’re purchasing covers for all the services you need.

Application Process to Get an Au Pair Health Insurance for Germany

Applying for an AuPair health insurance is a fairly simple process nowadays. Most of the Aupair insurance providers accept online applications which can be completed in no more than a few steps:

  • Choose your travel destination
  • Choose between with and without a deductible
  • Choose between health insurance/additional insurance
  • Duration of the trip
  • Personal data
  • Method of payment
  • Check your entries
  • Confirm your application

After you submit your data you will immediately receive your insurance certificate in the email address you have provided.

Other types of insurance in Germany: