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HomeGerman HealthcareHow Expats can find cheap insurance in Germany

How Expats can find cheap insurance in Germany

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As an Expat, there is no getting around insurance in Germany.

Insurance is easy to research online when you are in Germany – and when you’re ready, you can also conclude a contract online. Because of the excellent healthcare system in Germany, most Expats find it easy to get insurance as soon as the arrive in the country.

Important requirement for a residence permit

Anyone who lives and works in Germany with a temporary residence permit must prove that they have health insurance when entering the country and each time a visa is extended. This health insurance must meet the requirements of Article 15 of Regulation (EC) No. 810/2009 (Visa Code)Immigration authorities even require written evidence that the insurance cover meets these requirements.

Even if an Expat does not require a visa to enter Germany, they are obliged to take out health insurance in Germany because health insurance is compulsory in Germany. Anyone who works in Germany needs health insurance for Germany even before starting a job.

insurance in germany

What factors should you consider when choosing health insurance in Germany as an Expat?

  • No health certificate when entering Germany within 31 days
  • EU-compliant: corresponds to the regulations of the European Union
  • Long-term:  valid for up to 5 years (maximum duration)
  • Protection at home and around the world:  international validity
  • High flexibility: can be terminated at short notice

Does the health insurance also protect you against Covid-19?


All insurance coverage in Germany is valid during the corona pandemic.

  • Most insurance coverage also applies to travel warnings abroad.
  • A test for infection with the coronavirus is covered by most insurance providers if medically necessary and as directed by a doctor.
  • In the case of quarantine at home and the associated medically necessary treatments, most insurance providers will of course also reimburse the costs.
  • If the treating doctor orders inpatient quarantine, the insurance providers will also cover all costs incurred for medical treatment.
  • In the event of a corona illness, you are guaranteed the best possible care in Germany.
insurance in germany

International health insurance for those who do not qualify for the compulsory insurance in Germany

There are providers in Germany who offer international health insurance specially developed for Expats who come to Germany and want to stay here for up to five years

In a nutshell, the international health insurance is a basic insurance that can be supplemented by a flexible module and also covers treatment in EU countries and in the Schengen states. Insurance cover is also granted outside of these countries for a certain period if the stay abroad is due to vacation or work.

All nationalities within Europe and worldwide who are not employed in Germany with compulsory insurance are insurable. 

The international health insurance is suitable, for example, for:

  • self-employed construction workers and craftsmen
  • independent caregivers
  • Scientists and lecturers
  • Employees of foreign authorities (e.g. tourism sector)
  • Freelancer
insurance in germany

Choosing the best insurance in Germany

Below is a list of insurance providers who have been rated for various categories. The index is calculated from the answers: How satisfied are the users with the conclusion of a contract with the insurance company mentioned? 

Best Foreign Health Insurance providers in Germany

CompaniesAverage 2019Award
ADAC insurance2.14Best provider
alliance2.31Top provider
Allianz Travel2.35Top provider
DKV2.42Top provider
HanseMerkur2.47Top provider
Signal Iduna2.47Top provider
Debeka2.51Top provider
AXA2.53Top provider
EUROPE insurance2.54
R + V2.54
NUREMBERGER2.56
UKV2.60
Concordia2.62
Europ Assistance2.62
Württembergische2.68
Gothaer2.68
Hallesche2.70
Central2.70
DFV German family insurance2.71

Best Direct Insurers in Germany

CompaniesAverage 2019Award
HUK242.04Best provider
Allianz Direct (AllSecur)2.13Top provider
CosmosDirect2.22Top provider
BavariaDirect2.29Top provider
R + V242.45
EUROPE insurance2.47
DA direct2.49
Sparkassen DirektVersicherung2.49
Hannoversche2.58
verti2.65
insurance in germany

Best Statutory Health Insurance providers in Germany

CompaniesAverage 2019Award
The technicians2.24Best provider
BARMER2.31Top provider
AOK Baden-Württemberg2.39Top provider
AOK PLUS2.42Top provider
BAHN-BKK2.47Top provider
SBK2.48Top provider
AOK Bavaria2.48Top provider
HEK – Hanseatic Health Insurance2.48Top provider
hkk health insurance2.48Top provider
mhplus health insurance2.49Top provider
MINORITY2.50Top provider
VIACTIV health insurance2.53Top provider
AOK Lower Saxony2.56Top provider
IKK classic2.56Top provider
BKK Mobil Oil2.59
Audi BKK2.59
Schwenninger health insurance2.60
AOK Hessen2.60
AOK Northwest2.61
AOK Rhineland / Hamburg2.61
AOK Northeast2.61
AOK Rhineland-Palatinate / Saarland2.62
pronova BKK2.62
IKK healthy plus2.62
BKK VBU2.63
AOK Bremen / Bremerhaven2.63
IKK Brandenburg and Berlin2.64
IKK North2.64
IKK southwest2.65
BIG direct healthy2.65
DAK health2.67
SECURVITA health insurance2.67
KKH commercial health insurance2.69
AOK Saxony-Anhalt2.72
Novitas BKK2.72

Best Liability Insurance providers in Germany

CompaniesAverage 2019Award
HUK Coburg2.14Best provider
HUK242.19Top provider
Württembergische2.22Top provider
HDI2.24Top provider
HanseMerkur2.25Top provider
Signal Iduna2.26Top provider
Gothaer2.26Top provider
alliance2.27Top provider
Provincial North Fire Fund2.28Top provider
CosmosDirect2.29Top provider
R + V2.29Top provider
Helvetia2.31Top provider
AXA2.31Top provider
NUREMBERGER2.32Top provider
The liability insurance2.33Top provider
ARAG2.34
Old Leipzig2.36
EUROPE2.46
DA direct2.37
VHV insurance2.39
Insurance Chamber of Bavaria2.39
Concordia2.44
Provincial Rhineland2.44
Westphalian Provincial2.48
Barmenia2.52
Zurich2.56

Best Household Insurance providers

CompaniesAverage 2019Award
alliance2.19Best provider
HUK242.22Top provider
DEVK2.26Top provider
The liability insurance2.29Top provider
Gothaer2.31Top provider
Barmenia2.32Top provider
HanseMerkur2.32Top provider
HDI2.32Top provider
Helvetia2.33Top provider
WGV2.34Top provider
ARAG2.34Top provider
DA direct2.34Top provider
AXA2.35Top provider
InterRisk2.37Top provider
Insurance Chamber of Bavaria2.37Top provider
Ammerländer Insurance2.37Top provider
Generali2.39
R + V2.39
Signal Iduna2.40
CosmosDirect2.40
Old Leipzig2.42
Provincial Rhineland2.42
ERGO2.43
Westphalian Provincial2.49
VHV2.49
SV SparkassenVersicherung2.51
Concordia2.54
Zurich2.54
Provincial North Fire Fund2.56

Best Car Insurance providers in Germany

CompaniesAverage 2019Award
ADAC insurance2.07Best provider
HUK242.11Top provider
verti2.19Top provider
R + V242.20Top provider
DEVK2.26Top provider
VHV insurance2.27Top provider
alliance2.32Top provider
CosmosDirect2.33Top provider
AXA2.35Top provider
Allianz Direct (AllSecur)2.35Top provider
Provincial Rhineland2.36Top provider
HDI2.36Top provider
WGV2.37Top provider
DA direct2.42
ERGO2.43
Barmenia2.43
Westphalian Provincial2.46
Concordia2.49
Insurance Chamber of Bavaria2.49
AdmiralDirekt.de2.49
VGH2.50
Gothaer2.51
BavariaDirect2.53
Zurich2.56
Sparkassen DirektVersicherung2.57

Best Supplementary Health Insurance providers in Germany

CompaniesAverage 2019Award
Signal Iduna2.33Best provider
HanseMerkur2.40Top provider
INTER2.42Top provider
DKV2.43Top provider
UKV2.44Top provider
R + V2.45Top provider
Württembergische2.45Top provider
Concordia2.45Top provider
AXA2.47Top provider
Provincial2.48Top provider
Gothaer2.49
Barmenia2.49
ARAG2.53
DBV2.56
DFV German family insurance2.56
ENVIVAS2.58
Munich Association2.66

Best Private Health Insurance providers in Germany

CompaniesAverage 2019Award
DKV2.39Best provider
alliance2.41Top provider
AXA2.44Top provider
ARAG2.65
CompaniesAverage 2019Award
ADAC insurance2.02Best provider
alliance2.14Top provider
HUK Coburg2.16Top provider
ARAG2.24Top provider
ADVOCARD2.30Top provider
DEVK2.36
ROLAND2.36
VHV2.43
Debeka2.44
Zurich2.51
ÖRAG2.54
BGV Badische2.55

Best Travel Cancellation Insurance providers in Germany

CompaniesAverage 2019Award
ADAC insurance2.18Best provider
HanseMerkur2.33Top provider
alliance2.40Top provider
Europ Assistance2.45
AXA2.50
Allianz Travel2.54
Signal Iduna2.63

Best Travel Insurance providers in Germany

CompaniesAverage 2019Award
ADAC insurance1.99Best provider
HUK-Coburg / HUK242.10Top provider
Allianz Travel2.26Top provider
alliance2.29Top provider
HanseMerkur2.36Top provider
TravelSecure2.40Top provider
ENVIVAS2.46
Barmenia2.56
ERGO2.60
TravelProtect2.66
LVM2.70

Best Animal Insurance providers in Germany

CompaniesAverage 2019Award
Uelzener2.24Best provider
DEVK2.35Top provider
R + V2.39Top provider
alliance2.43Top provider
AGILA animal insurance2.56Top provider
DFV German family insurance2.57Top provider
PETPROTECT2.63
Barmenia2.64
Gothaer2.71
Helvetia2.76
preVet2.81
Petplan2.83

Best Accident Insurance providers in Germany

CompaniesAverage 2019Award
alliance2.33Best provider
HanseMerkur2.45Top provider
AXA2.49Top provider
VHV2.50Top provider
Gothaer2.52Top provider
SV Sparkassen Insurance2.52Top provider
degenia2.53
Insurance Chamber of Bavaria2.55
ARAG2.58
GMO2.59
Barmenia2.61
CosmosDirect2.71

Best Homeowners Insurance providers in Germany

CompaniesAverage 2019Award
HUK242.38Best provider
HDI2.47Top provider
AXA2.47Top provider
Interlloyd2.51Top provider
EUROPE2.60
Helvetia2.64
Zurich2.67
CosmosDirect2.71

Best Dental Insurance providers in Germany

CompaniesAverage 2019Award
ARAG2.22Best provider
DKV2.34Top provider
R + V2.35Top provider
AXA2.37Top provider
Provincial2.40Top provider
HanseMerkur2.40Top provider
The Bavarian2.43Top provider
ERGO2.43Top provider
Insurance Chamber of Bavaria2.44Top provider
Munich Association2.44Top provider
MAXCARE2.44Top provider
Barmenia2.45Top provider
DFV German family insurance2.47Top provider
universa2.52
UKV2.52
Fire society2.53
INTER2.54
Gothaer2.56
SV SparkassenVersicherung2.57
BGV Badische2.59
CosmosDirect2.59
ENVIVAS2.61
Nuremberg2.65
Württembergische2.65
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Expaturmhttps://www.expaturm.com/
Expaturm aims to help educate Expats in Germany on key issues that they will have to deal with while living in Germany by providing everything you need to know about Banking, Healthcare, Lifestyle, and Housing in Germany
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