Cheap Private Health Insurance for Expats in Germany and Europe.
Long-Term Travel Insurance for Expatriates, Travelers, and Emigrants
from only €58.00 / month (max. 5 years)!

Insurance company:
HanseMerkur Versicherungsgruppe in Hamburg - Advigon Versicherung AG

Visa Application and Extension:
Yes, you can use the insurance for Visa Application or Extension at the embassy and in the Aliens Department (Ausländerbehörde).
The insurance meets the current valid visa requirements and can be used for Visa Application or Extension.

Insurance documents: Shortly after your Online Application, you will receive your insurance documents by email. The insurance policy documents are needed for your doctor's appointment, presentation at embassies, consulates, and foreign authorities.
Print and use them for your next doctor's visit, Visa Application, or Extension.


The 4 most common problems for Expatriate, foreign long-term Visitors, and Emigrants in Germany:

1. Low-cost health insurance for more than 1 year in Germany or Europe is
hard to find

Long-term visitors and Expats in Germany are often faced with the problem that most travel insurance companies in Germany offer a maximum term of only 12 or 24 months. Long-term health insurance for more than 2 years is hard to find or is extremely expensive. The German statutory health insurance (GKV Krankenkasse like TK, AOK, DAK, BKK, or BEK), for example, in most cases, can not insure foreign guests at all.

What can Ex-Pats do anyway?

Our Recommendation:

For all Expats and long-term visitors in Germany, we recommend the long-term health insurance from one of the biggest German insurance companies called "Hanse-Merkur Versicherungsgruppe". In our opinion, it offers the best services for the relatively low insurance cost and the monthly premium starts at EUR 58.00 /month. The tariff cost depends on your age and the fact if you wish to include additional coverage in the NAFTA states (USA, Canada, and Mexico) or not. For example, if you need only Germany or only Europe and don't need the USA, Canada, or Mexico, this is the cheapest health insurance tariff option ( from only EUR 58.00 /month, more details here ).

The health insurance offers a longer term of up to 5 years (in some cases even longer insurance periods). It is perfectly suited for ex-patriots, emigrants, business travelers in Germany, and a long family visit by foreign parents, a girlfriend or fiancé, and long-term traveling tourists in Germany, Austria, and all other Schengen and EU states.

Long-term Travel Insurance in Germany and EU from €58.00 / month - more details here ...


Health Insurance Card in Germany


2. Without health insurance, no visa at the embassy

Foreigners, who want to enter Germany for at least 6 months or more, are considered long-term travelers and, apart from a few exceptions, need to get a German visa from the German embassy or consulate abroad.

Proof of travel insurance for the entire duration of the stay is one of the most important conditions for obtaining a visa for Germany.

If you take the insurance tariff from "Hanse-Merkur Versicherungsgruppe" quickly after your online application, you will get an email with all your insurance documents as PDF files. These documents are specifically for presentation at embassies, consulates, foreign authorities, and border stations. Print and use them for your Visa Application or Extension.


3. Not all insurances are accepted by the embassy or immigration office

Be aware that your travel insurance must meet the currently valid regulations for a Schengen Visa as agreed upon by the European Union Council. This is an important requirement at the embassy and immigration office, and it is important for your insurance to be recognized at all.

Often tourists purchase cheap health insurance from foreign local providers, which, unfortunately, have poor coverage and are often not recognized by the embassy.

Our recommendation:

The long-term visitor health insurance by Hanse-Merkur Versicherungsgruppe (from €58.00 / month) meets the current valid requirements at the embassy for a Schengen visa. Your insurance certificate will be promptly and conveniently displayed on your screen after filling out the Online Application. Print it right away and use it immediately as proof of insurance at the immigration office.

Long-term Medical Insurance for Visitors in Germany and EU from €58.00 / month - more details here ...


4. High medical costs in Germany and Europe

Expats, emigrants, and long-term travelers, who for any reason, stay in Germany without valid health insurance, must eventually pay for the expensive treatments by a doctor or hospital out of their own pocket. However, the cost of treatment and medication in Germany is extremely high and can easily reach several thousand euros that must be paid out of pocket. Without health insurance, you must even carry the possible transportation cost to return to your home country. The same is also true for all medical bills in case of an acute emergency or a flu exam by your regular physician.

All this can get quickly very expensive for you!

On the other hand, the long-term travel insurance starts from only €58.00 / month and has a term of up to 5 years (in some cases even longer) and is therefore well suited for the needs of all long-term visitors, expatriates, family guests, emigrants and business travelers (like freelancers) in Germany.

The cheap Incoming Health Insurance protects you well from financial risks and is one of only a few travel health insurances that offer travel protection for such a long term.

An important advantage for you is also that the travel protection meets the current valid visa requirements of the German Embassy. Therefore, it can serve as proof of insurance for a visa application or extension for a visa for Germany.

Long-term Travel Health Insurance for Visitors in Germany and EU from only €58.00 / month - more details here ...


Long-Term Travel Insurance for Germany: Frequently Asked Questions

1. Am I eligible for this Long-Term Travel Insurance?

The long-term travel health insurance by Hanse-Merkur Versicherungsgruppe is designed for all foreign long-term travelers like all expats, emigrants, business travelers, and freelancers in Germany who are planning to stay in Germany or any other European country for a duration of 3 months to 5 years or longer. The Incoming Insurance can be purchased up to a maximum age of 74 years old.

For Incoming health insurance, the following applies:
The expat insurance tariff is suitable for persons who are temporarily in Germany and have not lived in Germany up to now for more than 5 years totally. They must not be subject to social security (in German: Sozialversicherungspflicht) and plan to return to their home country in the future.
Whether you are subject to social insurance or not, you can clarify in the office of any of the German statutory health insurance companies like Techniker Krankenkasse (TK), AOK, DAK, BKK, or BEK.

Basically speaking (but without warranty) a person, who earns more than €450 a month, is subject to social insurance in Germany, and the one who earns less than €450 a month is not.

Long-term Insurance from only €58.00 / month - more details here ...

2. Can I use this insurance at the embassy when applying for a visa for Germany?

Yes, the health insurance meets the current valid visa requirements of the German Embassy (for ex. for a Schengen Visa) and can therefore be submitted at the embassy together with your visa application for Germany. After your online application, you will quickly get your insurance policy, and you can immediately print the policy and use it for your visa application in the German embassy.

3. Am I also covered during an interim trip back to my home country?

Yes. The health insurance also covers a temporary return to your home country. Depending on the selected tariff, the total duration shall be 30 days (Basic), 45 days (Comfort), or 90 days (Premium) per insurance year. However, a visit to the home country must be communicated in writing form before the trip.

4. When and how will I receive my medical insurance documents?

After submitting your Application Online and approval, your insurance policy will be displayed on the screen. You may immediately print this policy and use it for a visa application.

Long-term Insurance from only €58.00 / month - more details here ...

5. Coverage for pre-existing conditions:
Are any pre-existing conditions excluded from coverage in this health insurance for Germany, and will my premium be affected?

A pre-existing condition in the context of healthcare is typically a medical condition for which you have received diagnosis or treatment before you enroll in the health plan.

Some examples of pre-existing conditions include:

  • Diabetes
  • Asthma
  • Pregnancy
  • Epilepsy
  • Cancer
  • Sleep apnea

Normally, travel insurance covers only medical treatment due to illness / accident, which happens AFTER insurance begins and pre-existing conditions are generally not covered in the private travel insurances.

What is Your Advantage?
The advantage of the Expatriate insurance tariff from HanseMerkur Versicherungsgruppe is that in case you need it, the coverage for pre-existing conditions can be additionally insured with a deductible of EUR 5,000 for every insurance year started and insured person.

This deductible has nothing to do with the monthly premium and can be used only if needed.

6. Is this Outgoing or Incoming health insurance?

The Expatriate health insurance tariff from HanseMerkur Versicherungsgruppe can be used as Outgoing insurance (from Germany or Austria to other countries worldwide like United States, Canada, Saudi Arabia, United Arab Emirates, Singapore, etc.) as well as for Incoming health insurance (from other countries to Germany, Austria and rest of Europe).

Popular Expatriate Destinations:

  • Singapore
  • Dubai, United Arab Emirates (UAE)
  • Qatar
  • Riyadh, Saudi Arabia
  • Europe
  • Germany
  • France
  • Dakar, Senegal
  • Spain
  • Shanghai, China
  • Hong Kong, China
  • Bahrain
  • Switzerland
  • Amsterdam, Netherlands
  • Prague, Czech Republic
  • Muscat, Oman
  • Canada
  • Italy
  • United States (USA)
  • India
  • United Kingdom (UK)


Long-term Travel Insurance in Germany and EU from €58.00 / month - more details here ...


Best Value for the money.
Got everything on time and did use the documents without problem to obtain a visa in the German embassy.
We love you guys and are very appreciative of everything you do!

Svetlana, Russia

Excellent experience. I have nothing but good things to say about this website and the online application service.
Their pricing is fair and reasonable.

Sara, Australia

I am a long-term visitor in Germany and needed quickly a cheap insurance.
Got my insurance docs within minutes. Best Value for the money.


Rahul, India

We have received the documents REALLY within minutes and were able to extend our visa.

Great service. Can only recommend it.
Will use it definitely also in future.

Christina, Brazil
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