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:
Private and public hospitals in Munich
Munich has two university hospitals rather than one. LMU Klinikum, the hospital of Ludwig-Maximilians-Universität, works from two campuses — Campus Großhadern in the south-west and Campus Innenstadt in the centre — and runs an International Patient Office for patients arriving from abroad. TUM Klinikum rechts der Isar, the teaching hospital of the Technical University of Munich, sits in Haidhausen on the east bank of the river; in August 2024 it merged with the Deutsches Herzzentrum München to form TUM Klinikum.
Underneath the university layer is München Klinik, the city's municipal hospital group, with five locations: Bogenhausen, Harlaching, Neuperlach, Schwabing and Thalkirchner Straße. Paediatrics at Schwabing is run jointly with TUM Klinikum, so the boundary between the two systems is less rigid than it looks from outside.
Private hospitals exist alongside all of that. The Bavaria-based Schön Klinik group runs Schön Klinik München Harlaching in the south of the city, and Isar Klinikum is a private hospital on Sonnenstraße in the centre. As everywhere in Germany, though, the meaningful split is not public building versus private building — it is which insurance system you belong to, which decides how you are booked and billed inside any of them. We set that out on Germany public vs private health insurance.
Where new arrivals settle
Bogenhausen, east of the river, is the usual first choice for transferred executives and families: villas and embassies in the southern part, quieter suburban stretches at Oberföhring and Englschalking further out, and München Klinik Bogenhausen in the district itself. Schwabing and Schwabing-West take a younger, more academic crowd, sitting between the universities and the Englischer Garten; Bavarian International School has a city campus in Schwabing, and München Klinik Schwabing is there too.
Haidhausen, on the same side of the river as TUM Klinikum rechts der Isar, is popular with people who want to stay central without paying Bogenhausen prices. South of the city, Grünwald is a premium suburb, and it sits in Landkreis München rather than in the city itself.
That last point is the one to hold on to, because Munich's international schools sit outside the city. Munich International School is in Starnberg, south-west of Munich. The main campus of Bavarian International School is in Haimhausen, to the north. Families who choose a school first often end up living in a different administrative district from the one they work in — which changes which office handles their paperwork, and which hospital is nearest.
What it costs
Munich is expensive by German standards and housing is where it shows. Rents in the central and eastern districts are the reason many arrivals end up looking at the Landkreis and the towns along the S-Bahn instead. Add international school fees on top and the household budget looks nothing like the same salary would look in Leipzig or Dresden. Everything else — food, transport, a doctor's visit — behaves much as it does across the country.
Insurance is the exception that does not follow the city. Regency prices one EU-region rate card across every destination we cover, so a Munich postcode does not raise your premium; age and plan tier do, and by a lot more than geography ever would. A 55 year old on the recommended Comprehensive plan is $4,334 a year, billed annually, on Regency's 2026 EU-region rate card. A younger applicant pays considerably less.
Put your own age and household into the pricing calculator, or read the full table on the Germany cost page.
What your policy needs to cover here
Munich's arrivals are employed, seconded or funded — and that is precisely what the German clause tests. There is no euro threshold to hit. The cover has to include the benefits statutory-insured people receive under §11(1–3) SGB V, and the contract has to be open-ended, with no expiry or cancellation tied to age, employment or residence status. The benefits half is usually satisfiable. The contract half is where files fail, because a policy attached to a job, a secondment or a research stipend ends when that ends. Read the certificate for what happens if the contract stops, not just for what it pays.
The employer's cover starts with the job, and the visa is decided before the job. Statutory enrolment through a German employer generally begins when your contract begins and you have an address here. Your visa file is assessed weeks earlier, and it has to stand up on its own at that point. That is the gap the cover you buy now is for.
Read the territory line as Germany, not as Munich. More than in most German cities, life here spills over the city boundary: Munich International School is in Starnberg, Bavarian International School's main campus is in Haimhausen, and Grünwald is in Landkreis München. If your home, your school run and your nearest hospital sit in three different districts, a certificate written for a city rather than for the country is a problem you do not need. The insurance standard itself is federal and does not change at the Bavarian border — what changes locally is which office issues your residence permit and how it runs its own process.
Which visa route fits
Most people moving to Munich come for work or for a university, so start with Germany expat health insurance for the general picture. If you are coming to find a role first, see jobseeker visa insurance. If you are enrolling at LMU or TUM, or arriving on a doctoral place, see student visa insurance. Self-employed arrivals should read freelance visa insurance instead.
Before you buy anything, work out which of Germany's two systems you are heading for — the three-question helper maps it without guessing at premiums, and the Germany national visa timeline shows where insurance has to be in place in the sequence.
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.