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Foreign guests
Ausländische-Gäste
Travel health insurance in Germany

For foreign guests

  • Travel health policy for Germany, temporary trips in the EU & all Schengen states
  • Fulfills all Schengen visa requirements
  • Insurance cover of up to five years
  • Personalised all-risk protection at the best price
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Quick Guide
  • Briefly explained
  • Good reasons
  • Cost example
  • Overview of the benefits
  • 24-Hour Hotline
  • Requirements
  • Students, au pairs & interns
  • Downloads
  • FAQs

Travel health insurance for foreigners in Germany

If you want to get to know Germany as a holiday destination or work in the Federal Republic for a while, then you need a health insurance policy for foreign guests. This special travel health policy is a prerequisite to apply for a Schengen visa (more information can be obtained from the German Foreign Office) and for entering Germany, for example, as a non-EU citizen. Here's how to get the best insurance with Advigon at a low daily rate.

Our tariffs for travel health insurance explained

Foreign guests Basic & Foreign guests Profi

With the Foreign guests Basic and Profi tariffs, we insure people up to the age of 74. The Basic tariff covers the costs for services such as outpatient treatment, operations or in-patient treatment under Germany’s general care insurance as well as ambulance transport to in-patient treatment.
Our Profi tariff includes additional benefits such as pregnancy examinations and deliveries, dental check-ups, visual aids or screening check-ups for early detection of cancers.

Why do I need health insurance as a foreign guest in Germany?

In Germany’s healthcare system, according to its legal regulations everyone is required by law to have health insurance. If you are travelling to Germany from abroad, either your health insurance at home has to cover you during your trip or you have to take out medical insurance in Germany. Freelancers & self-employed with their own business, scientists, expats and young travellers (e.g. students, au pairs or participants in a Work & Travel programme) also have to take out health insurance.

How much does it cost to get German travel health insurance for foreigners?

The daily premiums for Advigon Foreign guests health insurance start from

  • €2.40 a day in the Basic tariff for people at the age up to 64 years
  • and €3.40 a day for those aged 65-74 years.

In the Profi tariff the cost of our health insurance is

  • €8.60 a day for people up to 64
  • and €12.70 a day for those aged 65-74.
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We have an extra tariff for young people up to 35 years of age: Young Travel. This tariff is extra affordable. It’s aimed at young foreign visitors such as au pairs, pupils, students, scholarship holders or Work & Travel participants.

Foreign guests travel health insurance – Overview of the benefits

If you are planning a visit to Germany, our health insurance offers up to five years of premium insurance cover – starting at 2.40 € per day. You can choose from two different packages.

Foreign guests BasicForeign guests Profi
Out-patient treatment
Costs for out-patient treatment

According to the Schedule of Fees for Docots (GOÄ). Treatments otside Germany are reimbursed at the normal local rates.

Prescribed medications and surgical dressings
Costs for radiation therapy, light therapy, and other physical treatments
Prescribed therapeutic aids following an accident
500 € / year
Prescribed massages, medicinal compresses and inhalations
300 € / year
Prescribed aids (not accident-related)
not insured500 € / year
Visual aids

Glasses and contact lenses

not insured200 € / year
Screening check-ups for early detection of cancers
not insured300 € / year
Screening check-ups for children in accordance with the statutory programmes introduced in Germany

according to programmes introduces by law in Germany

not insured
In-patient treatment
Costs for in-patient medical treatment under general care insurance

Under general care insurance = multiple-bed room without optional services (treatment by private doctor)

Operations
Ambulance transport to in-patient treatment
Dental treatment, denture
Dental treatment for pain relief

According to Schedule of Fees for Dentists up to factor 2,3

500 € / year1.000 € / year
Dental check-ups
not insured200 € / year
Up to 80 % of the cost for medically required dentures
not insured1.250 € / year
More benefits
Pregnancy treatment due to complaints

Medically necessary pregnancy treatment, childbirth up to the end of the 36th week of pregnancy (premature birth), treatment relating to a miscarriage or a medically necessary abortion

Pregnancy examinations and deliveries

After a six-month waiting period. The waiting period is calculated from the start of insurance and, if the contract is extended, from the start of the extension.

not insured
Repatriation, if medically desirable
Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany
10.000 €10.000 €
Follow-up liability until restoration of ability to travel for up to
3 months3 months
Deductible
Deductible per insured event
25 €25 €
Daily Premiums
0 - 64 years
2,40 €3,40 €
65 - 74 years
8,60 €12,70 €
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24-Hour Hotline

In case of emergencies, our worldwide emergency assistance line is available for all persons insured by Advigon. It is available at any time, 24/7, including Sundays and public holidays.

Call +49 621 5490-1906

What are the requirements for taking out Foreign guest private health insurance with Advigon?

Advigon’s Foreign guests tariffs Basic and Profi are a must for all travellers up to 74 years of age who are looking to stay in Germany for a longer time, either as a tourist or worker. This applies to everyone from temporary seasonal workers from abroad to expats who work in Germany as employees of an international company for a few months, or even a few years. Clients for our travel insurance also include freelancers and long-term tourists.

Please note that the Foreign guests insurance is only intended for people who are planning a temporary stay in Germany and not for those who want to live here permanently and become residents. The longest duration for insurance in the Foreign Guests plan is 5 years.

You can apply for the insurance contract at any time. The insurance must be taken out for the entire stay in Germany. The waiting period is 31 days from the start of the insurance. The general waiting time does not apply if the application is made within 31 days of arrival. The waiting time also does not apply in case of accidents or medical interventions to avert an acute danger to your life.

Trust Advigon’s policy and benefit from a wide range of services at attractive premiums.

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Advigon's visa health insurance Young Travel – for students, au pairs and interns

If you are under 35 years old and visiting Germany as an au pair, school pupil, student, scholarship holder, doctoral candidate or as a participant in a "Work & Travel" programme, then Advigon offers particularly inexpensive health insurance for young foreign visitors with the Young Travel policy.

Young Travel

Downloads

All other details about the Foreign guests travel health insurance can be seen in our price overview, the information sheet for insurance products, and the insurance terms and conditions for the Health Insurance for foreign guests.

Information sheet Foreign guest

Price overview Foreign guests

Insurance terms and conditions for travel health insurance

FAQs – Travel health insurance for foreig­ners in Germany

Does the Foreign guests insurance cover COVID treatments?

The answer is YES. In the Basic and Profi tariff of our foreign guests insurance we cover hospitalisation and outpatient treatment as well as costs for in-patient medical treatment and ambulance transports, so you are always covered in the case of a COVID-19 infection.

Who is suitable for the travel health insurance for foreign guests?

Our travel health insurance for foreign guests is suitable for everyone staying in Germany for a longer period. The policyholder may stay abroad only temporarily, must be under 75 years of age and may not be subject to the statutory health insurance obligation in Germany.

The insurance is also suitable for German nationals who have been living abroad (permanent residence) for at least two years.

How do I get medical insurance in Germany as a foreigner?

Our Foreign guests health insurance can be taken out at any time before your departure and after your arrival, simply by filling in our online booking form.

What should be borne in mind when visiting the home country?

If the insurance cover applied for exceeds 12 months, the insurance cover in the home country is limited to six weeks a year. Beyond that, travel in the home country* is not insured.

*Home country as defined in this condition means your permanent residence before your temporary stay in Germany.

What should be borne in mind when visiting the USA and Canada?

For trips to the USA or Canada, this insurance cover is limited to 14 days per trip.

What is the deductible in the case of an insured event?

There is a deductible of 25 euros per insured event.

Can the insurance be extended or terminated early?

If you end your stay in Germany early, you can terminate the insurance. In this case, it is important that you keep your air tickets and other evidence of the premature end to the trip.

If you wish to extend your stay in Germany, you can at any time continue our insurance with an extension contract. Please note that the total period of stay in Germany is limited to five years.

What are the costs for travel health insurance in Germany? How do they vary?

The example of Jeffrey and Rose is a simple way to explain how Advigon's rates and their costs are calculated: Jeffrey and Rose, 38 and 40 years old and from the United States, visit Germany for a holiday for the duration of one month and need a travel health insurance. Since the health insurance in their home country does not cover all services during their stay in Germany, the two decide to take out Advigon's Foreign guests insurance. Jeffrey picks the Basic plan while Rose would like to get full coverage and protection, so she chooses the Profi plan. For a total of 30 days, Jeffrey has to pay €72 and Rose €102.

Where can I get in touch with my health insurance if I have questions?

Just contact our English-speaking customer service at +49 40 5555-4020 or write to us via our contact form. Communication with Advigon is nice and easy!

Advigon Versicherung AG

Drescheweg 1, FL-9490 Vaduz
Tel. +49 40 5555-4020
info@advigon.com

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