Top 9 Insurance Companies for Expats in Germany in 2026

The top nine insurers for expats in Germany are April International, AXA, Globality, HanseMerkur, Bupa, Cigna, Blue Cross Blue Shield, NOW Health, and Allianz Care. They offer inpatient, outpatient, dental, maternity, and evacuation coverage, helping you compare plans and choose the right option.

Germany provides expats with statutory and private health insurance options. Most must enroll in statutory coverage, with premiums shared between employer and employee. Those who meet income or employment criteria can choose private insurance for broader benefits and added flexibility.

This article will give an overview of benefits, deductibles, premiums, and waiting periods for the best insurance companies for expats in Germany. We have also included a couple more companies at the end of the article for more options.

See how many of these great insurance providers in Germany are also among the top ten insurance providers worldwide for expats.

The 9 best health insurance companies for expats in Germany are:

1. April International
2. AXA
3. Bupa
4. Cigna
5. Blue Cross Blue Shield
6. NOW Health International
7. Allianz Care
8. Globality Health
9. HanseMerkur

Health insurance is mandatory in Germany. Expats may be eligible for statutory insurance, which is public insurance paid for partly by the employer and partly by the expat. Expats who meet certain criteria can opt out of statutory insurance and secure a private insurance plan instead.

Some hospitals and clinics in Germany only accept private insurance, so you’ll want a good insurance plan if you want to access those services. 

As an added bonus, we will also give our readers a peek at three additional insurance companies for expats in Germany.

• Passport Card
• Expatriate Healthcare
• HealthCare International

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April International: Comprehensive Coverage for Expats in Germany

April International is one of only a couple of expat health insurance companies that offer plans with unlimited annual benefits. This top-tier insurance provider’s comprehensive plans start at only USD $197 monthly for a 30-year-old female expat in Germany.

The following table displays the available benefits of plans for expats from April International in Germany.

If your budget is a bit tight, you may want to concentrate on April International’s plans with an annual benefit limit of USD $2,000,000. Still, you can get a plan with an unlimited annual benefit amount starting at only USD $261 per month.

The table below displays the available annual deductibles, annual benefit limits, and pricing for plans in Germany based on a 30-year-old female expat.

AXA Health Insurance: Low Deductibles and Extensive Benefits in Germany for Expats

AXA is an outstanding insurance company for expats in Germany because the plans have low deductibles and comprehensive coverage. Monthly premiums start at USD $302 monthly for a 30-year-old female living in Germany.

Check out the comprehensive benefits from AXA for expats in Germany, including travel vaccination coverage for well-traveled expats or expats who hope to travel more. 

The table below compares the starting premiums per month for AXA’s plans according to the annual deductible and the annual benefit limit for expats in Germany.

Bupa for Expats in Germany: Global Virtual Care and More

Bupa is well-loved by expats in Germany and worldwide for its 24/7 Global Virtual Care and extensive direct billing network. Monthly premiums start at USD $488 for a female expat living in Germany.

The table below demonstrates the coverage availability for health insurance benefits through Bupa for expats in Germany.

The following table compares the starting premium rate for a 30-year-old female living in Germany by annual deductible. Actual premiums will vary according to plan selections.

Bupa’s plans offer additional deductible options. This table shows a sampling of options.

Cigna Insurance Plans: Affordable Coverage Options for Expats in Germany

Premiums for Cigna’s Silver plan start at USD $177 monthly for a 30-year-old female expat living in Germany. Cigna is a well-known and respected international health insurance company with deductibles as low as zero dollars.

The annual benefit limit for Cigna’s Silver plan is USD $1,000,000, and coverage is worldwide, with optional coverage in the United States.

See how Cigna compares to other companies in our top nine list for expats in Germany using the table below.

Since the annual benefit limit is set at $1,000,000 for the plan, the following table shows an estimated starting monthly premium rate for a policy for a 30-year-old female expat in Germany compared to the annual deductible options.

Bear in mind that additional plan options for coverage impact insurance rates, so this table reflects the starting price for more basic coverage and is only meant to be an estimate. Applicant demographics also impact monthly premiums.

Blue Cross Blue Shield: Unlimited Benefits and 24/7 Telemedicine for Expats in Germany

American expats living in Germany should strongly consider Blue Cross Blue Shield’s health insurance plans with unlimited annual benefits and 24/7 telemedicine services. Premiums for this comprehensive coverage start at only USD $412 monthly for a 30-year-old female.

Policyholders on Blue Cross Blue Shield’s Xplorer Essential plan in Germany enjoy comprehensive benefits that cover them worldwide, excluding the United States, with one of the largest direct billing networks worldwide.

The table below shows the availability of popular insurance benefits for expats through Blue Cross Blue Shield.

Let’s take a closer look at the premiums based on selected deductible options for a policy through Blue Cross Blue Shield. All plans have an impressive unlimited annual benefit, so keep that in mind when you compare these rates to other companies.

The table below estimates the monthly premium based on a 30-year-old female expat applying for coverage in Germany through an international insurance broker.

NOW Health International in Germany for Expats: Comprehensive Plans with High Limits

NOW Health International’s comprehensive plans, with an annual benefit limit of USD $4,500,000 for expats in Germany, start at $403 monthly for a 30-year-old female. NOW Health International offers elective coverage on select worldwide plans that include the United States.

Like many other insurance companies in our list, NOW Health International provides these comprehensive benefits for expats in Germany:

• Inpatient treatment
• Outpatient treatment
• Emergency evacuation
• Emergency repatriation
• Dental
• Maternity
• Optical Benefits

The following table illustrates the availability of coverage for plans through NOW Health International, including waiting period lengths.

Deductibles through NOW Health are available in the amounts shown in the table. For ease of comparison, we have also included the starting estimated premiums for a 30-year-old female in Germany. All plans listed have an annual benefit limit of USD $4,500,000.

Allianz Care: Premium Health Coverage with Global Reach for Expats in Germany

Allianz Care plans are available for expats in Germany. Worldwide coverage, including or excluding the United States, is available for expats with this high-performing insurance company. Select plans offer annual benefit limits of up to USD $5,000,000.

Allianz Care provides its policyholders with an Expat Assistance Program and coverage for second medical opinions.

Annual deductibles for Expats in Germany through Allianz Care are available in the following amounts:

• USD $13,500 deductible plans
• USD $4,050 deductible plans
• USD $2,025 deductible plans
• USD $1,015 deductible plans
• $0 deductible plans

Expats in Germany will enjoy the following comprehensive benefits through Allianz Care:

• Inpatient treatment
• Outpatient treatment
• Emergency evacuation
• Emergency repatriation
• Emergency dental
• Maternity
• Optical benefits

Check out the options for coverage available through Allianz Care for expats in the table below.

Our Top Insurance Recommendations for Europe

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted global network of hospitals and doctors
• 4 Core Insurance Plans

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• Lifetime Renewal Possibilities
• 24/7 Medical Help via Global Virtual Care
• Direct Billing Options

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Globality Health: Tailored Plans for Expats in Germany

Globality Health offers expats living in Germany health insurance through their YouGenio for Germany plans. You can select from their coverage levels, ranging from Classic, Plus, and Top. These plans are catered specifically to the unique needs and lifestyle of living in Germany.

The YouGenio plans have no age limits, lifetime renewability, and coverage for pre-existing medical conditions. They also have CoGenio plans available for employees of large companies and group coverage.

Here are the annual deductible options you select from with your YouGenio for Germany plan.

• USD $1,300 annual deductible
• USD $650 annual deductible
• USD $325 annual deductible

Premiums for YouGenio plans are calculated based on where the policyholder lives, thus taking into account the local medical treatment costs.

The following chart gives you a sneak peek into the benefits included in the YouGenio for Expats in Germany plans from Globality.

HanseMerkur: Affordable Health and Travel Insurance Plans for Expats in Germany

HanseMerkur is a leading health and travel insurance provider for expats, students, workers, and au pairs living in Germany. Their annual foreign health insurance plan can cover you on an unlimited number of trips within a year, starting at only USD $20 a year.

HanseMerkur specializes in travel health insurance for a single trip, multiple trips, and long-term stays abroad of up to 5 years.

HanseMerkur offers the following exclusive plans for foreigners visiting Germany specifically:

• Health and travel insurance for guests in Germany for a single trip
• Comprehensive travel insurance for guests in Germany for long-term
• Young Travel insurance for guests up to the age of 35 for up to 5 years in Germany
• Visum Insurance for guests in the EU for up to 1 year
• Travel insurance for groups of foreign guests in Germany for up to 1 year
• Statutory Health Insurance DAK for professionals and students in a German university

The following chart breaks down some of the benefits HanseMerkur offers to expats living in Germany who select the long-term health insurance plan designed for pupils, students, and trainees.

Other Health Insurance Providers for Expats in Germany

Since there are a lot of high-quality expat health insurance providers in Germany, we wanted to fill in our readers on a few more: Passport Card, Expatriate Healthcare, and HealthCare International.

Passport Card for Expats in Germany

Passport Card’s comprehensive insurance plans for expats in Germany start at USD $350 monthly with an annual benefit limit of USD $2,500,000. Plans are available for select geographical regions or worldwide.

Note that worldwide coverage through Passport Card still excludes the United States, but other insurance companies have options if you need health insurance coverage, including coverage in the United States.

Expats residing in Germany have the following benefits available through Passport Card Insurance policies.

You can compare the starting estimated monthly premiums for Passport Card Insurance plans in Germany. Estimates are based on quotes for a hypothetical 30-year-old female expat. Plans with additional coverage are also available with an annual deductible of USD $2,000.

Expatriate Healthcare in Germany for Expats

Expatriate Healthcare’s policies start at an estimated USD $162 monthly for a 30-year-old female expat. These plans offer comprehensive health insurance benefits for expats in Germany. 

The table below displays the available coverage through Expatriate Healthcare plans. 

Expats can choose between saving money at the clinic or on monthly premiums, depending on medical needs. Check out the table below, which shows the estimated starting premiums for a 30-year-old female in Germany based on deductible options through Expatriate Healthcare.

Note that all plans have an annual benefit limit of USD $5,000,000.

HealthCare International in Germany for Expats

HealthCare International offers plans with co-pays ranging from no co-pay to 30%, so expats in Germany can customize their plans in multiple ways. Monthly premiums start at USD $195 for a 30-year-old female for a plan with an annual benefit limit of USD $1,500,000.

The most comprehensive plans through Healthcare International also offer benefits for acupuncture and traditional Chinese Medicine. 

Policyholders in Germany can choose one of the following annual benefit limits through HealthCare International:

• USD $1,500,000
• USD $2,000,000
• USD $2,500,000

Deductibles through Healthcare International range from $0 to $1000, with many options available in between.

Co-pays are available in the amounts of no co-pay, 10% co-pay, 20% co-pay, and 30% co-pay.

Working with an insurance broker to secure a plan with Healthcare International can help you fine-tune the details of your plan to meet your needs and budget.

Our Top Insurance Recommendations in Europe

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted global network of hospitals and doctors
• 4 Core Insurance Plans

Get a Quote NOW

• Lifetime Renewal Possibilities
• 24/7 Medical Help via Global Virtual Care
• Direct Billing Options

Get a Quote NOW

How to Choose the Best Health Insurance for Expats in Germany

Choosing the best expat health insurance in Germany with the right benefits and affordable premiums can be completed in one place when you work with an insurance broker. Working with an insurance broker can help you compare all of the aspects of coverage at no additional cost.

We used Pacific Prime’s obligation-free quote generator to find the estimated rates for a 30-year-old female expat in Germany. This tool is one of many available for zero cost to potential clients.

Frequently Asked Questions

Do Americans get free healthcare in Germany?

American citizens in Germany may have public, statutory health insurance paid for by their employer and wages or private health insurance. Residents meeting certain criteria can opt for private health insurance instead.

How much does health insurance in Germany cost for expats?

Statutory health insurance in Germany costs a percentage of an expat’s wages–usually just over 14%. This cost is shared between the insured and the employer. Private expat health insurance starts at USD $91 monthly for a 30-year-old female.

Can you use US health insurance while in Germany?

US domestic health insurance plans will not cover you while traveling or living abroad, including travel to Germany. Secure travel insurance before moving to or visiting Germany because Medicaid, Medicare, and other US plans will not cover you abroad.

Is health insurance mandatory for expats in Germany?

Health insurance is compulsory for everyone residing in Germany, including expats. Depending on your employment status and income level, you must enroll in either the public health insurance system (GKV) or a private health insurance plan (PKV).

Can expats choose between public and private health insurance in Germany?

It depends on your income and employment type. Employees earning above the annual income threshold can opt for private insurance, while those below it must join the public system. Freelancers and self-employed individuals can typically choose between both options.

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Conclusion

April International, AXA, Globality, HanseMerkur, Bupa, Cigna, Blue Cross Blue Shield, NOW Health International, and Allianz Care are the top nine best insurance companies for expats in Germany.

Have specific questions or want assistance? Contact an insurance expert today for free!

If you haven’t decided where you’ll be long term, you may also be interested in our top ten picks for expat health insurance in Portugal. Want somewhere outside of Europe? Check out the top ten insurers in the Dominican Republic.

Essential Resources for Expats Living in Germany

Additional resources for moving and living in Germany as an expat are available in these Pacific Prime blog posts:

• The Best Places for Expats to Live in Germany
• Jobs for American Expats in Germany
• Guide to Living Abroad in Germany with Cost of Living Information

• About
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Veerabhatr Sriyananda

Content Writer at Pacific Prime

Veerabhatr is a content writer with over 6 years of experience with a particular penchant for storytelling and marketing, both in print and online. He now works with an experienced team of writers at Pacific Prime, aiming to shed light on the essence and benefits of insurance for companies and individuals by creating engaging, informative content across multiple platforms.

After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.

Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.

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