Health insurance for foreigners in Germany

Our Provisit insurances also offer you protection in case of corona infections if they occur newly and acutely after the start of the contract.  

If you are unable to start your stay abroad due to corona virus, it is possible to cancel the insurance or change your travel period before the start of the insurance. 

Answers to further questions can be found on our information page on the coronavirus. But we are also happy to help you personally: just contact us!

Our Quickguide can help you find the right insurance.

That depends on what you want to do during your stay in Germany. As a rule, the following applies: For shorter stays, e.g. vacation trips or visits to relatives in Germany, a travel health insurance is sufficient. For longer stays for academic purposes, e.g. for studying or working as a visiting scientist, you would rather need a comprehensive health insurance. Our Quickguide can help you with the selection.

Our PROVISIT international health insurance can now be found under the name Provisit Germany. Only the name has changed, price and quality have not. Click here to go to Provisit Germany.

If you come from a country that has a social security agreement with Germany (the list of these countries can be found here (german)), chances are good that your home country health insurance will be recognized in Germany without any problems. However, you should check with your health insurance company before your stay in Germany.

There is one problem, however: statutory health insurance companies only pay for treatments and medications for which they would also pay in your home country, according to the cost rates set by law. This means:

1. if you need treatment or medication during your stay in Germany that is more expensive in Germany than in your home country, your health insurance will only pay the amount it has to pay according to the fixed cost rates in your home country. You will have to pay the rest of these costs yourself.

2. if you become ill or injured during your stay in Germany to such an extent that you need to be hospitalized, you may need medical repatriation to your home country. Your health insurance will not pay for this under any circumstances. You would have to pay for it out of your own pocket. Such a return transport can cost tens of thousands of euros.

Therefore we recommend: Even if your home country health insurance is recognized in Germany, it is best to take out additional international health insurance to be on the safe side.