Expat Insurance in Germany

Healthcare System in Germany

Germany has one of the best healthcare systems in Europe. Schengen visa holders must carry travel insurance. Medical costs without insurance can be very high.

What Expat Insurance Should Cover in Germany

• Inpatient & outpatient care — hospital stays and regular consultations
• Emergency medical evacuation — transport to your home country if needed
• Dental coverage — routine and emergency dental care
• Prescription drugs — medication costs can be significant
• Mental health support — therapy and psychological care
• Maternity — if relevant, check waiting periods carefully

Key Considerations for Expats in Germany

• Schengen visa requires minimum €30,000 coverage
• Public hospitals are well-equipped
• Carry your insurance documents
• Emergency number: 112
• Official language(s): German

Local Healthcare vs International Insurance

While Germany has a excellent-quality healthcare system, access and costs for non-residents can vary significantly. International expat insurance gives you the flexibility to choose your hospital and doctor, often with direct billing available at major private hospitals.