The right insurance for long-term stays in Germany
Health Insurance for Foreign Visitors for up to 5 Years provides permanent cover if you live in Germany, other EU countries, Switzerland or Liechtenstein. It also offers the following advantages:
You can take out your health insurance up to 31 days after you arrive
Payment for the insurance cover is flexible to suit your needs: by direct debit as a lump sum or annually, six-monthly, quarterly or monthly; by credit card as a lump sumSee all benefits and conditions
Your insurance cover meets EU requirements
Foreign Health Insurance
Tariff BASIC Tariff PROFI Product informationCosts of out-patient treatment according to the German physicians' and dentists' scale of fees (GOÄ / GÖZ) In accordance with item no. 437 and section M (laboratory costs) 1.15 times 1.15 timesIn accordance with sections A, E and O (technical performance) 1.8 times 1.8 timesFor all other GOÄ charges 2.3 times 2.3 timesNecessary costs of medical treatment incurredMedically prescribed medication and dressingsMedically prescribed massages, medical packages and inhalations up to per year € 300 100 %Medically prescribed adjuvants following an accidentCost of outpatient treatment according to dentists' scale of fees 2.3 times 2.3 timesPain management dental treatment / restoring function of dentures per insured year up to € 600 € 1,000Costs of medically necessary dental prosthesis at a rate of 80% of the invoice amount € 1,250In-patient treatment under standard medical care (multi-bedded room excluding private and semi-private treatments)Transportation to in-patient treatmentIn case of death the resulting necessary additional costs for the repatriation of the deceased or the costs of a funeral up to € 10,000 € 10,000Visual aids per year up to € 200Medical check-ups per year up to € 300Excess per insured event € 25 € 25Travel Accident Insurance Insurance Sum Insurance SumIn case of deathInvalidity benefit (from 90 % double invalidity benefit)Travel Liability Insurance Amount of Cover Amount of CoverDamage to person and property lump sum € 1.5 million lump sum € 1.5 million Book now Book now
Foreign health insurance
Travel accident insurance and Travel liability insurance
What you should know
You can find the answers to the most frequently asked questions about Health Insurance for Foreign Visitors for up to 5 Years below.Who's insured?
Who's eligible for the cover?
Health Insurance for Foreign Visitors for up to 5 Years is tailored to foreign nationals aged under 75 who are living temporarily in Germany, another EU member state, Switzerland or Liechtenstein, or to German nationals living abroad permanently and who have lived there for at least two years.
The following groups are not eligible for the cover: people in need of permanent care or suffering from mental illness, people who are largely dependent on outside help for normal day-to-day activities, or people working on a paid basis as sportsmen or sportswomen.
Additionally, the Health Insurance for Foreign Visitors for up to 5 Years cannot be taken out by people who have a limited residence permit for the Federal Republic of Germany and whose total expired health insurance contracts exceed five years at the time of applying for the insurance package.
What should I do if I need to claim?
If something happens so that you need to claim on your health insurance, please try to keep injury or illness to a minimum and avoid doing anything that could increase costs unnecessarily.
Please contact the insurer as quickly as possible and fill in the claim report form completely and truthfully. The insurers will get in touch with you if they need more information than on the form.
Will I have to pay any excess charges?
Yes, you will be responsible for paying the first € 25 of each claim.
What benefits does the insurance cover?
Your Health Insurance for Foreign Visitors for up to 5 Years covers the costs of inpatient hospital treatment, of medicines and dressings prescribed by a doctor and medically advisable ambulance services.
It also covers the costs of a range of dental treatment, medically prescribed massage and physiotherapy, and repatriation and funeral expenses.
What isn't covered by the insurance?
Health Insurance for Foreign Visitors for up to 5 Years excludes claims resulting from injury caused deliberately by the insured. This could include illnesses or accidents caused on purpose and treatment as a result of a suicide attempt.
How much does Health Insurance for Foreign Visitors for up to 5 Years cost?
You can find an overview of prices here.
Who's the insurance partner?
reisemeister.de offers selected products from HanseMerkur Reiseversicherung AG. The travel and health insurance packages have regularly won awards from the consumer body Stiftung Warentest.
Who can help me if I've got further questions about the insurance?
Send an e-mail or ring the following service hotline. One of HanseMerkur Reiseversicherung's expert staff will be happy to help.
+49 (0)40 4119-1919
(opening hours: Monday to Friday – 8 am to 6 pm)