Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“For Germany’s national visa, health insurance must include the benefits statutory-insured persons are entitled to under §11(1–3) SGB V, and the contract must be open-ended — no expiry or cancellation clauses tied to age, employment, or residence status. Travel insurance is insufficient.”
Official source: German Federal Foreign Office — health insurance in the national visa procedure — Last verified:
The freelancer catch-22, honestly
New arrivals often can’t enrol in statutory cover (GKV) without a German address and income history — yet the visa requires statutory-equivalent cover first. That gap is exactly where the equivalence and open-ended rules bite, and where generic fixed-term international policies get rejected.
We review whether your case fits our partner’s arrangement (confirmed July 2026), and if a German “incoming”-style product suits your case better, we say so rather than force a fit.
What the Ausländerbehörde reads
The officer checks the benefit scope against §11 SGB V, the contract duration (open-ended, no age or status cancellation clauses), and the deductible. Certificates that state these points plainly clear the desk; brochure summaries do not.
After you’re established, most residents move into statutory GKV or approved German PKV — cover arranged for the visa carries you through the application and the bridge months.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.