Travelling as a tourist or moving to Germany as an Expat? Learn more about the German health insurance system and how the right medical insurance can help you pursue your dreams in Germany.
The German Health Insurance System

Health Insurance for Visitors, Tourists & Expats in Germany

German residents are required by law to have health insurance. In addition, everyone who enters Germany for whatever purpose or duration of time must be covered by adequate health insurance, either statutory (public) or private, issued by a licensed medical insurance provider.

However, when it comes to travel health insurance for tourists and expats in Germany, different criteria and requirements apply depending on the individual’s purpose of visit, length of stay, or country of citizenship.

Does Germany provide free public healthcare? Yes, but this only applies to German citizens and legal residents who are entitled to free public healthcare as part of the public health insurance scheme that covers only the basic medical needs and is funded by social contributions based on the principle of solidarity.

There are different types of health insurance that you should get before travelling to Germany and a few others that you can get once you arrive in Germany, all explained in much details below:

Travel Insurance for Visitors/Tourists in Germany

If you are travelling to Germany, even for a short period of time, you need to complete all the requirements beforehand and travel insurance is one of them.

Travel insurance for Germany is not just a valuable asset to have with while travelling to Germany but, for citizens of countries who need a visa to enter Germany, is a strict requirement in order to be granted a German visa.

What is Germany Travel Visa Insurance?

Germany travel insurance is a mandatory health insurance plan for travellers and visitors that covers your medical needs while in Germany. This insurance should have a minimum coverage of €30,000 and apart from Germany, it should also be valid in other Schengen countries.

Who Needs a Valid Travel Insurance Policy for Germany?

The travel insurance policy is mandatory especially for those who need to apply for a German Schengen visa in order to enter Germany. What this travel policy means for these individuals is that they need to have the necessary coverage for the entire period of their stay in Germany no matter the purpose of their travel.

German Travel Visa Insurance Requirements

Your travel health insurance policy must fulfil the following requirements if you need to apply for a visa to Germany:

  • A minimum coverage of 30,000 EUR.
  • It should cover not only Germany but all Schengen member states.
  • Coverage of medical expenses including repatriation for medical reasons, emergency healthcare, or death.

One affordable option that fulfils all German visa insurance requirements is PROVISIT-VISUM by DR-WALTER. You get your Germany travel insurance policy confirmation electronically so you can present it at the German Embassy/Consulate when applying for a German visa. This insurance plan is designed especially for tourists and business travellers. In case your German visa application has been refused, you can cancel it free of charge.

In addition, those who are entitled to visa-free travel have the opportunity to choose between numerous health insurance providers and schemes, without being restricted to the requirements.

The German health insurance company DR-WALTER has developed different products to meet different needs, especially for foreigners travelling to Germany and Europe:

  • PROVISIT-VISUM is suitable for foreign citizens who plan to stay in Germany and Europe for up to 180 days.
  • PROVISIT is the perfect travel insurance policy for foreign visitors who want to stay in Germany and Europe for up to two years. Corona infection insured.

How Much Does Travel Insurance for Germany Cost?

The health insurance premiums you are required to pay in order to obtain travel insurance for Germany are not the same. What this means is that different travel insurance providers offer different prices.

The cost of travel insurance for Germany depends on the following:

  • Your age. Travel insurance companies tend to charge more the older you are.
  • Coverage limits. You will pay in accordance with the coverage limit.
  • Duration of your stay. The longer you stay the more you will be required to pay.

Here are the daily fees to purchase PROVISIT-VISUM policy:

  • €1.10 – for travel health insurance, individuals up to 64 years.
  • € 1.30 – for the combination of travel health, personal liability and accident insurance, individuals up to 64 years.
  • € 6.50 – for travel health insurance, individuals aged 65 years or older.
  • € 6.70 – for the combination of travel health, personal liability and accident insurance, individuals aged 65 years or older.

The minimum fee is € 20.

However, PROVISIT-VISUM is suitable for foreign visitors planning to stay in Germany for up to 180 days. If your intended stay in Germany is up to two years, you are advised to purchase PROVISIT instead, which also meets the required coverage of 30,000 EUR. Additionally, PROVISIT-VISUM and PROVISIT are both suitable for foreigners wishing to visit Germany, whether they need a visa to do so or not. 

For more information about fees and benefits please visit PROVISIT-VISUM.

What Is Covered With Travel Insurance for Germany?

When it comes to travel insurance coverage, you can get travel health insurance only, but you may also purchase a comprehensive insurance package, including travel health insurance, personal liability insurance, and travel accident insurance.

The basic medical needs the travel medical insurance to Germany covers are:

  • Outpatient and inpatient medical treatment
  • Medicine, dressing material, medical appliances
  • Provision with remedies
  • Ambulant transport of patients
  • Return transport of an ill insured person to home country
  • Repatriation
  • Burial costs in case of death
  • 24-hour emergency service
  • Basic dental treatment

Which German Travel Insurance Plan Is Best for Me?

Since different individuals have different needs, one can’t say a health insurance provider is the absolute best. However, there are health insurance providers in Germany that are affordable and provide great coverage at the same time.

For example, if you are applying for a German Schengen visa, you will have to look for specific health insurance providers that fulfil all the German visa requirements. An affordable option you could consider is PROVISIT-VISUM.

Some of the benefits this travel health insurance plan provides are:

  • It complies with all the German visa requirements.
  • It is suitable for both visitors and hosts.
  • It is health insurance without a deductible.
  • It offers online conclusions and immediate confirmation.

This health insurance plan is available for as little as €1.10 per day.

If you enjoy visa-free travel, on the other hand, we would suggest you start with the travel health insurance for Germany offered by DR-WALTER, since this provider is known to offer some of the cheapest prices in Germany matched with the best coverage.

An Overview of the German Healthcare System

Germany is known to have one of the best healthcare systems in the world. Residents are offered a variety of services and benefits while having the possibility to choose from a diverse number of health insurance providers.

Health insurance in Germany is divided into two sectors:

  • Public (Statutory) Health Insurance  (Gesetzliche Krankenversicherung, GKV)
  • Private Health Insurance (Private Krankenversicherung, PKV)

Sometimes residents may also opt for a combination of the two for more thorough services.

How does the German Healthcare System work?

Public Health Insurance (known as Gesetzliche Krankenversicherung – GKV)

Employees in Germany who receive a monthly income of less than €5,063 are entitled to public health insurance. Employees who earn a monthly income of more than €5,063 (or €60,750/year) can register with private providers instead of the public ones.

Public health insurance in Germany covers in-patient and out-patient hospital care, medical check-ups, medications, pregnancy treatment, basic dental care, ambulance transport, repatriation to home country and funeral costs in case of death.

Private Health Insurance (private Krankenversicherung – PKV)

Private health insurance, on the other hand, is only available for:

  • People who earn more than €60,750/year.
  • Self-employed people and freelancers are eligible for private health insurance as well, no matter the amount of their income, however, they have to pay all the contributions on their own.
  • Students over 30 years old, language and preparatory course students, PhD students, and guest scientists.

People choose private health insurance since they can customize their insurance plans according to their needs. In addition to the services public health insurance offers, private health insurance schemes also offer the following:

  • Extended Hospital Services
  • Clinical Surgery
  • Dental Check-Ups & Surgeries

Healthcare System Costs in Germany

Individuals insured in public healthcare have to pay their health insurance in premiums, meaning they contribute 14.6 to 15.6% of their salary to the state healthcare, half of which is paid by their employer.

The costs of private health insurance depend on numerous aspects, such as age, coverage limits, extra coverage you choose to obtain, as well as the duration of your stay (if you’re a visitor).

In addition, before you decide on one health insurance provider, make sure to read their contracts, services, and check their prices, since you do not want to end up with low-quality health insurance. There are low-cost options you can get such as Dr-Walter’s health insurance plans, offering some of the cheapest monthly prices and thorough services.

The Pros and Cons of the German Healthcare System

Although one of the best healthcare systems in the world, the German health insurance system also has its own cons. Below we have listed a few distinctive pros and cons of the healthcare system in Germany:

Pros

  • You have the possibility to opt for private health insurance.
  • You can choose your own health insurance provider depending on what suits you.
  • You can combine public and private health insurance.
  • You will get high-quality services and medical care.

Cons

  • Sometimes you have to pay for prescription medications and elective procedures.
  • Pre-existing conditions are often not covered by private health insurance providers.
  • Dental coverage only covers basic needs.
  • Pregnancy care is often not covered by private health insurance providers.

List of Private Health Insurance Companies in Germany

Some of the best private travel health insurance providers in Germany are:

  • DR-WALTER
  • AXA
  • DKV
  • HanseMerkur
  • Allianz
  • Mawista

List of Public Health Insurance Companies in Germany

Some of the best public health insurance providers are:

  • AOK Baden Württemberg
  • TK – Techniker Krankenkasse
  • KKH – Kaufmännische Krankenkasse
  • DAK
  • Barmer

Read also: Travel Insurance Requirements for Schengen Visa