German insurance · English support
Health insurance for Germany
and abroad
Compare cover for university, language courses, research and family visits. Apply without an application fee, with English support for enrolment, exemptions and M10 requirements.
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Find options for your stay
Your status and age affect eligibility and student rates. Prices shown are based on October 2026 information; acceptance, benefits and premiums remain subject to the insurer’s confirmation.
Start with your plans
What brings you here?
Choose your situation, then compare eligibility and cover.
University studies · Work
Explore public health insurance for bachelor’s and master’s students and employees.
Explore public insurance ↗ 02 / RESEARCHLanguage courses · Research
Check suitable cover for language study, scholarship-funded doctorates, CSC programmes and research visits.
Explore student and research cover ↗ 03 / VISITFamily visits · Travel
Choose cover for visiting family or a short trip by destination, age and duration.
Explore visitor insurance ↗ 04 / LIVINGLife abroad
Compare international medical cover for longer stays abroad.
Explore international cover ↗Compare insurance for your stay
Filter by your needs and select 2–3 products to compare. Starting prices have conditions; expand each card for rates and limits.
From €141.16/month
2026 rates for eligible students without children, including health and long-term care insurance. Separate rates apply under and from age 23.
For: Enrolled university students · student rates generally under 30
Benefits & rate bands
- Who it suits
- Eligible university students, employees and salaried doctoral researchers.
- Age
- Student rates generally under 30
- Lowest standard student rate of the three public insurers shown, on the same basis
- Professional dental cleaning subsidy up to €40/year from age 18
- University M10 notification, TK-App and 24-hour support
- Under 23, without children
- €141.16/month
- 23 or over, without children
- €146.29/month
- Parents or employees
- Calculated by family circumstances or contributory income
Travel health cover for educational stays
Care College
For eligible language students and scholarship-funded researchers
From €27.50/month
Basic rate for ages 12–29 in the first 24 months; Comfort / Premium cost €34 / €48.
For: Language, preparatory and exchange students, plus eligible CSC-funded or other scholarship-funded doctoral and visiting researchers
Benefits & rate bands
- Who it suits
- Language, preparatory and exchange students, plus eligible scholarship-funded doctoral and visiting researchers.
- Age
- Ages 12–40 inclusive
- Eligible language students and scholarship-funded doctoral researchers can apply
- Up to 5 years; no general deductible from Comfort
- Rates change with age and from month 25
- Ages 12–29, months 1–24; Basic / Comfort / Premium
- €27.50 / 34 / 48 per month
- Ages 30–40, months 1–24
- €33.50 / 50 / 75 per month
- Ages 12–29, from month 25
- €49.50 / 57 / 73 per month
- Ages 30–40, from month 25
- €55 / 73 / 99 per month
Short-stay Schengen visa health insurance
Care Visa Protect
Apply before arrival · up to 92 days per single-trip policy
From €0.85/day
Ages 0–64: €0.85/day; ages 65–74: €2.60/day. Minimum premium €8.50. Annual multi-trip cover is also available.
For: Eligible visa holders visiting Schengen countries for family visits, holidays or business
Benefits & rate bands
- Who it suits
- Eligible visa holders on short family, holiday or business visits to Schengen countries; apply before arrival.
- Age
- Ages 0–74; higher rates from 65
- Apply before arrival; up to 92 days per single trip
- No general deductible; total benefit limit €50,000
- Family visits, holidays and short business trips
- Ages 0–64: single trip / annual multi-trip
- €0.85/day / €110/year
- Ages 65–74: single trip / annual multi-trip
- €2.60/day / €215/year
- Annual multi-trip policy
- Up to 92 covered days in total per insurance year, rather than 365 days of continuous cover
From €146.29/month
2026 rates for eligible students without children, including health and long-term care insurance. Separate rates apply under and from age 23.
For: Enrolled university students · student rates generally under 30
Benefits & rate bands
- Who it suits
- Eligible university students, employees and salaried doctoral researchers.
- Age
- Student rates generally under 30
- University M10 notification and Meine BARMER online services
- Bonus points can help pay for eligible dental cleaning
- Rewards require participation; standard premiums are paid in full
- Under 23, without children
- €146.29/month
- 23 or over, without children
- €151.42/month
- Parents or employees
- Calculated by family circumstances or contributory income
From €145.52/month
2026 standard rates for eligible students without children, including health and long-term care insurance. Rewards and optional tariff refunds are separate.
For: Enrolled university students · student rates generally under 30
Benefits & rate bands
- Who it suits
- Eligible university students, employees and salaried doctoral researchers.
- Age
- Student rates generally under 30
- Professional dental cleaning subsidy up to €60/year
- Electronic M10 notification for university enrolment
- Cashback and optional tariff refunds have separate conditions
- Under 23, without children
- €145.52/month
- 23 or over, without children
- €150.65/month
- Voluntary public insurance after 30
- Minimum reference €274.22–282.13/month, depending on income and family circumstances
From €101.54/month
Health and long-term care insurance combined. Health cover alone starts at €69.62; long-term care insurance is €31.92/month extra.
For: Eligible international students unable to join public insurance, students aged 30–39 and doctoral researchers; health assessment applies
Benefits & rate bands
- Who it suits
- Eligible international students and doctoral researchers, subject to status checks and health assessment.
- Age
- Ages 12–39; health assessment required
- Check university enrolment, exemptions and M10 requirements
- Applications possible for eligible students aged 30–39
- General deductible €300/year; long-term care premium separate
- Ages 12–29: health / long-term care / combined
- €69.62 / 31.92 / 101.54 per month
- Ages 30–39: health / long-term care / combined
- €95.68 / 31.92 / 127.60 per month
From €1/day
Standard daily rate for ages 0–64 and up to 90 days. No-deductible cover starts at €1.18/day; rates vary with duration.
For: Temporary visitors to Germany / Europe for family visits, travel or job seeking
Benefits & rate bands
- Who it suits
- Eligible temporary visitors to Germany / Europe for family visits, tourism, job seeking and other permitted purposes.
- Age
- Ages 0–74; higher rates from 65
- Up to 2 years for eligible European / Schengen stays
- No-deductible option from €1.18/day
- Rates depend on total duration and age
- Ages 0–64, with / without deductible; up to 90 days
- €1 / 1.18 per day
- Ages 0–64; 91–180 / 181–365 / 366–730 days
- €1.35 / 1.95 / 2.40; without deductible €1.59 / 2.30 / 2.83 per day
- Ages 65–74; up to 90 / 91–180 / 181–365 / 366–730 days
- With deductible €2.95 / 3.70 / 4.95 / 7.90; without deductible €3.48 / 4.37 / 5.84 / 9.32 per day
- Monthly payment for eligible stays over 6 months
- €50–286/month by direct debit; monthly rates are not daily rates multiplied by 30
Annual travel health insurance for German / Austrian residents
Care Holiday
Multiple trips a year · up to 56 days per trip
From €23.90/year
Annual individual rates: ages 0–64 €23.90; 65–74 €99; 75+ €125. Family €42.90/year. Registered residence in Germany or Austria required.
For: Individuals and families living in Germany / Austria and travelling abroad
Benefits & rate bands
- Who it suits
- Individuals and families with registered residence in Germany or Austria, travelling abroad for holidays, family visits or business.
- Age
- No general maximum age for individuals; family adults under 65 and children under 21
- Multiple trips a year; first 56 days of each trip covered
- No general medical deductible; family plan available
- Registered residence in Germany or Austria required
- Individual · ages 0–64
- €23.90/year
- Individual · ages 65–74
- €99/year
- Individual · ages 75 and over
- €125/year
- Family · up to 2 adults under 65 + 5 children under 21
- €42.90/year
Requires registered residence in Germany or Austria. For outbound trips, rather than visits to Germany or continuous long-term stays. Arrange separate cover for travel beyond 56 days per trip.
From €58/month
Standard cover excludes the USA, Canada and Mexico. Cover including them costs €145–1,175/month, depending on age, plan and deductible.
For: Eligible expatriates, freelancers and visitors to Germany not subject to compulsory social insurance
Benefits & rate bands
- Who it suits
- Eligible expatriates, overseas residents, freelancers and visitors to Germany not subject to compulsory social insurance.
- Age
- Entry ages 0–74
- 3 months to 5 years; entry up to age 74
- Basic / Comfort / Premium
- Cover area and annual deductible affect premiums
- Excluding USA, Canada, Mexico; ages 0–12 / 13–40
- €64–191 / €58–181 per month
- Excluding USA, Canada, Mexico; ages 41–60 / 61–74
- €68–256 / €246–432 per month
- Including USA, Canada, Mexico; ages 0–12 / 13–40
- €175–495 / €145–465 per month
- Including USA, Canada, Mexico; ages 41–60 / 61–74
- €195–660 / €710–1,175 per month
From €40/month
Age band 0–24, Zone 1, Basic, €3,600 annual deductible. Other ages, zones, plans and deductibles have different rates.
For: Expatriates, digital nomads and accompanying family · new applicants under 65
Benefits & rate bands
- Who it suits
- Expatriates, people moving abroad, digital nomads and eligible accompanying family members.
- Age
- New applicants under 65 when cover starts; health assessment required
- At least 12 months; no fixed maximum term
- Basic / Comfort / Premium with three cover zones
- New applicants under 65; €40 starting rate includes a high deductible
- Zone 1 · age band 0–24 · €3,600 annual deductible: Basic / Comfort / Premium
- €40 / 65 / 85 per month
- Same zone and age band · €0 annual deductible: Basic / Comfort / Premium
- €130 / 230 / 250 per month
- Zone 2 · includes China and Singapore, excludes USA; age band 0–24, Basic, €3,600 deductible
- €60/month
- Zone 3 · includes China, Singapore and USA; age band 0–24, Basic, €3,600 deductible
- €105/month
Excludes stays in Germany over 180 days/calendar year and people subject to German compulsory health insurance. Previous cover, waiting periods and health assessment need checking. Home-country restrictions still apply, even if the zone includes China.
Health insurance for study and residence in Austria
Care Austria
For Austria, rather than general cover in Germany
From €51/month
Education rate for eligible ages 12–35. Standard rates range from €95–510/month by age.
For: Eligible foreign nationals studying, researching, working as au pairs or living in Austria
Benefits & rate bands
- Who it suits
- Eligible foreign nationals studying, researching, working as au pairs or living in Austria; Education requires qualifying educational status.
- Age
- Ages 0–74; Education rates for ages 12–35
- Education ages 12–35: €51 / 56 per month
- 364-day or open-ended policy
- For Austria; does not replace German student health insurance
- Education ages 12–35: 364-day / open-ended
- €51 / 56 per month
- Standard ages 0–49: 364-day / open-ended
- €95 / 155 per month
- Standard ages 50–64
- €95 / 222 per month
- Standard ages 65–74
- €219 / 510 per month
From €2/month
S €2, M €4, XL €7.50/month; minimum total premiums €10, 12 and 15 respectively.
For: Students, researchers and travellers seeking liability / accident cover alongside health insurance
Benefits & rate bands
- Who it suits
- Eligible students, visiting researchers, au pairs and travellers staying abroad temporarily and seeking personal liability cover.
- Age
- Under 75
- Personal liability cover alongside health insurance
- S: liability only; M and XL add personal accident benefits
- Liability limits €1–2.5 million
- S: liability; minimum total premium €10
- €2/month
- M: liability + accident; minimum total premium €12
- €4/month
- XL: higher limits and key cover; minimum total premium €15
- €7.50/month
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Detailed comparison
Public insurance examples are for eligible students without children in 2026 and include long-term care insurance. Parents may pay different rates; employee contributions depend on income. Private premiums depend on age, zone, plan, duration and underwriting. The insurer’s confirmation and policy govern cover and costs.
Planning a family visit?
Look forward to your reunion.
Arrange cover before departure.
For visiting parents, friends or a short trip, start with the itinerary and choose suitable medical cover.
- Who: traveller’s age and current residence
- Where: Germany, Schengen countries or another destination
- When: arrival, departure and proposed cover dates
From choosing to applying
Three steps to get started
Check your status and age
Use the insurance finder or filter products by your needs.
Apply online or ask for help
No application fee. Ask our team to check any unclear requirements before applying.
Receive your documents
Follow the insurer’s assessment, payment and start-date instructions. Check the documents against your visa or enrolment requirements.
Before you choose
Frequently asked questions
Start with your status, purpose and requirements to find suitable options.
Contact support ↗Should I choose public or private health insurance for university?
Check your enrolment status, age and eligibility first. Enrolled university students can start with public insurance; language courses and research visits need separate checks. If considering private insurance, understand university requirements, public insurance exemptions and later switching conditions.
How should doctoral researchers and scholarship holders choose?
Doctoral status alone does not determine insurance. Employment, funding, university enrolment and existing cover all matter. Tell us whether you are employed, scholarship-funded or on a research visit so we can help check your options.
Is visa insurance the same as insurance for university enrolment?
Check them separately. Visa documents, cover after arrival and the university’s insurance status notification can involve different requirements. Follow the consulate, university and insurer’s instructions.
How do I arrange a university M10 notification?
For an M10 notification, contact our team with your university and current insurance details. The relevant public health insurer checks your status and sends the electronic notification.
What information do I need for my parents’ visit?
Have their ages, residence, destination and planned arrival and departure dates ready, and say whether travel has started. Then check application timing, cover area, deductible and other conditions.
How do I make a claim or get help with an existing policy?
Have your policy number, insured person’s name and question ready. Contact our team or use the policy support section below. For older policies, including S14, provide your existing policy details.
Support in English
Unsure which cover fits?
Talk to our team
Tell us your status, destination and dates. We can help explain products and application requirements.
- Your age and student, researcher, employee or visitor status
- Planned arrival date and length of stay
- Visa, university or existing policy requirements
Use the “Insurance support” AI chat widget on this website for general questions, or email our team.
