Incoming Health Insurance (Visa-Insurance) for Temporary Stays in Germany

What is Incoming Health Insurance?

In Germany, health insurance is mandatory for anyone living in the country. However, if you are staying in Germany temporarily — without fully relocating your residence or becoming subject to mandatory local health insurance — you may qualify for an affordable alternative: Incoming Health Insurance.

Incoming health insurance (also known as travel health insurance for visitors or "Visa-Insurance") is designed for:

✔ Students over age of 30, interns, researchers
✔ Digital nomads and freelancers
✔ Private visitors or tourists
✔ Individuals applying for a visa but not planning long-term relocation
✔ Employees or business travelers on short-term assignments
✔ Family members visiting for extended stays

Your Benefits with Our Incoming Insurance Solution

✔ Approved by German authorities
✔ Coverage starting at €2.40 per day
✔ Flexible duration up to 5 years
✔ Pay conveniently via PayPal or credit card
✔ Fast online application — get your insurance confirmation within minutes

Who qualifies for Incoming Health Insurance?

✔ You are staying temporarily in Germany — typically for up to 5 years.
✔ You do not permanently transfer your residence to Germany.
✔ You are not subject to mandatory statutory health insurance (GKV) due to employment or other legal obligations.
✔ Your stay is mainly for travel, study, internship, or temporary work without long-term relocation plans.

Why Incoming Health Insurance can be the right solution?

✔ Fully meets visa requirements for temporary residence permits
✔ Fast and simple online application — receive your insurance certificate immediately
✔ Much more affordable than full German private or statutory health insurance
✔ Full coverage for medical treatment during your stay in Germany
✔ Flexible cancellation if you leave Germany earlier than planned

✅ What is covered

✔ Full coverage for new and unexpected illnesses and accidents during your stay in Germany
✔ Outpatient medical treatment (doctor visits, specialists, prescriptions)
✔ Inpatient hospital stays and surgeries
✔ Emergency medical treatment
✔ Medically necessary transportation to hospital
✔ Pain-relieving dental treatment
✔ Repatriation to your home country if medically necessary

🚫 What is not covered

❌ Medical conditions that existed in the 6 months before the insurance started (limited coverage applies: €5,000 per year co-payment, maximum €30,000 total)
❌ Treatments you already knew you would need before applying
❌ Planned medical treatments, routine check-ups or preventive care
❌ Treatments related to pregnancy if the pregnancy existed before the insurance start date
❌ Chronic conditions requiring ongoing therapy known before enrollment
❌ Non-medically necessary treatments (cosmetic surgery, elective procedures)

✅ Tip for visa applications

To ensure your insurance is fully accepted by German authorities, we recommend selecting a coverage period of 5 years (the maximum allowed). If you leave Germany earlier, you can easily cancel the policy.

💡 Why choosing the right insurance matters

In Germany, health insurance is strictly regulated. If you choose the wrong policy or remain uninsured, this can lead to serious problems with visa authorities, residence permits, or financial risks in case of illness.

Incoming Health Insurance offers an affordable, legally accepted solution for temporary stays without entering into long-term insurance commitments.

🔎 When should you request personal advice?

While Incoming Health Insurance is a simple solution for many short-term visitors, personal advice is highly recommended in the following situations:

✔ You plan to stay permanently in Germany
If you intend to relocate long-term, a different health insurance setup is required to ensure full coverage and legal compliance.

✔ You have pre-existing medical conditions or are in a higher age group
Pre-existing conditions or age-related risks require an individual assessment to avoid exclusions or unexpected costs later.

✔ You are subject to German social security obligations
For example, if you work for a German employer, different legal rules apply for statutory (GKV) or private (PKV) health insurance.

With professional, independent advice, you can avoid costly mistakes, stay fully compliant with German regulations, and secure the best long-term protection for your personal situation.

Affordable travel health insurance for non-residents and visitors