Health Insurance for VISA & Residence Permits in Germany

Before obtaining a visa and residence permit in Germany, you must meet the legal requirement of having valid health insurance. Since 2009, it has been mandatory for everyone in Germany to have health insurance. Proof of health insurance is necessary when applying for a visa and before a residence permit is granted.

Types of Health Insurance

The type of health insurance you can choose depends on your employment status and income. Germany operates a dual health insurance system with both public and private providers.

Public and Private Health Insurance in Germany

If you are self-employed or have received a job offer in Germany, you will be either compulsorily or voluntarily insured under public health insurance. Self-employed individuals or those voluntarily insured in public health insurance can also opt for private health insurance.

Health Insurance Requirements for VISA & Residence Permits

Non-EU citizens staying in Germany for 90 days or more must apply for a residence permit or visa. This permit will only be issued if adequate health insurance coverage is in place. Public health insurance providers are not obligated to cover third-country nationals, so they often need to choose private or international health insurance. The chosen insurance must meet specific legal requirements and provide minimum coverage comparable to public health insurance.

Many international health insurance policies are travel insurances that do not meet the legal requirements of German law. It is crucial to ensure you have sufficient coverage.

Independent Advice from DH Brokerage

At DH Brokerage, we offer free and independent advice to help you choose the best health insurance. We have in-depth knowledge of German health insurance and can help you find excellent coverage that meets German requirements while saving you money.