German Health Insurance Package for Internationals
Public and Private Health Insurance
Personalized coverage for your visa and stay in Germany. Get peace of mind at affordable rates.
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Free Travel Health Insurance worth up to €953
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Award-winning insurance cover4
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Fast, secure, cost-effective
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How Our Customers Feel About Our Service
Securing your health insurance coverage has never been easier
Overcome German bureaucracy and relocate worry-free with us!
To live in Germany, you are legally required to have health insurance. To make this as simple as possible for you, we've crafted a special bundle designed with internationals in mind. Not only will you get the necessary coverage for your visa application (and university enrollment), but you will also be covered for your entire stay in Germany.
Our free Travel Health Insurance3 (also known as Incoming Insurance) is accepted by all German authorities to secure your visa - ensuring a smooth visa process.
Expatrio's Health Insurance Plus package
The type of coverage you need for your stay in Germany will depend on your individual situation. Our Health Insurance package ensures you get the right type of protection with some of the best providers in the German market: TK, ottonova, and DR-WALTER.
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Travel Health/Incoming Insurance, free for eligible customers up to 92 days, with DR-WALTER3
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Public health insurance with Techniker Krankenkasse (TK)
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Private health insurance with ottonova or DR-WALTER
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Comprehensive coverage incl. live doctor chat provided by your insurer
Health Insurance Plus
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Benefit from instant confirmation and free benefits
Expatrio's Health Insurance Plus includes free Travel Health/Incoming Insurance3 and instant confirmation of your coverage.
Looking for a fast way to secure your proof of funds for your visa at the same time? Our Value Package includes both your visa mandatory Blocked Account and Health Insurance!
Save money and benefit from our fully online and simple process!
Access the best providers in the German market
Securing your health insurance coverage with German providers can be a challenge. With Expatrio, you can bypass the endless German bureaucracy and language barrier. We do the hard part for you. Connect to the best providers4,5 to insure you from day one of your stay in Germany.
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Public health insurance with Techniker Krankenkasse (TK), elected 17 times in a row as the best German public health insurance and the best health insurance fund for students.
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Travel Health/Incoming and private health insurance with DR-WALTER, awarded five times a Star Insurance provider.
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Private Health Insurance partner ottonova has received first place in the service and customer satisfaction categories, three times in a row by Kubus.
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Expatrio Value Package
Simplify your move to Germany with Expatrio's Value Package! Get your mandatory Health Insurance + Blocked Account + free German Bank Account, and other free benefits!
Learn more about Health Insurance in Germany
Health Insurance is mandatory for everyone living in Germany and a prerequisite for obtaining a German visa.
Why do internationals need health insurance coverage when coming to Germany?
Everyone living in Germany is required by law to have healthcare coverage. Germany has many Public and Private Health Insurance providers. We've partnered with some of the best, so that you get the coverage you need at affordable prices.Activation needed
Your health insurance needs to be activated once you arrive in Germany. Add this item to your arrival to-do list to avoid future hurdles!
Expatrio's Health Insurance is personalized
Based on your individual profile, Expatrio will recommend the type of coverage suited to your needs.
In some cases, Public Health Insurance will be better suited for you, and in some cases, Private Health Insurance will be the better option for you. But don't worry, whichever you choose, you will be in safe hands!
How does the Health Insurance package work?
Apply online
Fill in our online application form to secure your health insurance coverage.
Receive confirmation
Download your Travel Health Insurance (also known as Incoming Insurance) confirmation for your visa appointment.
Activate
Once in Germany, activate your health insurance to be covered for your new life!
"Expatrio made everything easier for me, from being informed to going through the blocked account process, getting health insurance that was not rejected by the immigration offices and not having any problems at the airport."
Karla Morales
Graduate from Medical School
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Health Insurance Plus
Personalized coverage for your visa and stay in Germany
How Our Customers Feel About Our Service
Know more about your health insurance providers
At Expatrio, we only work with partners who share our passion for supporting internationals relocating to Germany. The health insurance providers Techniker Krankenkasse (TK), ottonova and DR-WALTER are our chosen partners to bring you the best health insurance coverage.4
Learn more about Techniker Krankenkasse
TK is our public health insurance partner. From your studies or work start date, you will be covered by Techniker Krankenkasse (TK). Public health insurance is a also known as Statutory Health Insurance or even Governmental Health Insurance.
According to Focus Money, TK is the best German statutory health insurance fund (public health insurance) and the best health insurance fund for students.4 Their service comes with many advantages, such as vaccinations, cashback opportunities, and a convenient digital doctor appointment service.
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Learn more about DR-WALTER
For your visa and arrival in Germany, you will need a special type of coverage called Travel Health Insurance. You might also know this as: Incoming Insurance, Private Travel Insurance, or Schengen Health Insurance. Getting this coverage is mandatory. If you are a student, you will be covered by this health insurance until your studies at a university or a university of applied sciences start.
If you are participating in a language course, or preparatory studies (Studienkolleg), you will have this private health insurance for the duration of your course.
Our partner for private health insurance is DR-WALTER, a specialized broker with over 60 years of experience in the insurance market and awarded as a Star Insurance provider.5
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Learn more about ottonova
ottonova is an award-winning Private Health Insurance partner of Expatrio. Private Health Insurance in Germany is an alternative to Public Health Insurance and comes with many benefits such as coverage of visual care, professional dental cleaning, free choice of doctors and access to private physicians, a double room in the hospital, as well as worldwide coverage.
ottonova offers you excellent health coverage at a very fair cost, with great digital services.
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Get your Health Insurance
With our Health Insurance Plus you will benefit not only from excellent healthcare coverage, but also from additional benefits specially chosen for you.
FAQs
What does the Health Insurance Plus package include?
The Health Insurance Plus package provides holistic insurance coverage for your stay in Germany. It includes Travel Health/Incoming Insurance and health insurance for your time in Germany. You will also get your ISIC card included if you are a student.
How much do I pay for Health Insurance Plus package in total?
The only item within the Health Insurance Plus package that you need to pay for is your health insurance. The cost of the insurance depends on your profile (your age, number of children, etc.). The rest of the items within Health Insurance Plus are free.
What is the difference between Health Insurance and Health Insurance Plus?
The difference between the health insurance by itself and the Health Insurance Plus package is that by ordering Health Insurance Plus you receive other included benefits, such as Travel Health/Incoming Insurance and choice of our recommended Bank Accounts. Basically, by choosing Health Insurance Plus you pay the same price but receive additional services for free.
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Find eBooks, reports, checklists, and many more resources to help you with your life in Germany.
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Footnotes
[*] Up to €269 savings consists of: €69 cashback on Blocked Account set-up fees + up to €90 TK-Flex cashback + free travel health insurance worth up to €95 + free digital ISIC card worth up to €15. This offer is only valid for customers who apply for the Value Package. Expatrio reserves the right to cancel this promotion at any point in time. Special terms and conditions apply.
[1] Value Package customers can receive their €69 cashback after activating both their Blocked Account and Health Insurance.
[2] TK-Flex is an elective tariff and only available for eligible TK health insurance customers. Once the TK membership is activated, TK-Flex can commence. Expatrio will provide the customer with detailed guidelines on how to do this. Within TK-Flex, users have the option to deselect/opt out of services they do not need. In return, there is a cashback bonus of up to €90 per year. However, if the services are needed after all, TK customers can reactivate their health insurance coverage by paying a deductible of €24 per service (up to €120) per year. Please refer to our TK-Flex page for more information.
[3] Free Incoming/ Travel Health Insurance coverage for up to 92 days as part of the Value Package for eligible customers worth up to € 95.00.
[4] Focus Money has awarded TK the 'Best Student Health Insurance Fund,' Study Travel Magazine has awarded DR-Walter the 'Super Star Award'', and Kubus has awarded ottonova first place in the service and customer satisfaction categories three times in a row.
[5] Without a residence permit, you will have temporary access to your Bank Account. Upon opening your Bank Account, you will be given a timeframe by which a residence permit is required. This timeframe will depend on your visa expiration date. Once you upload your residence permit within the given timeframe, you will be granted permanent access to your Bank Account and all the amazing benefits that come with it.