Expat health insurance

Starting at €72/month for American expats moving to Germany. Cancel monthly.

A man comparing insurance options.
A man packing his suitcase.

Why get expat health insurance?

Expat health insurance (sometimes referred to as “incoming insurance”) is a great solution for your first year or two in Germany.

Feather icon showing a checkmark.
Fulfills the visa requirements

Obtain your first visa or residence permit alongside a good, affordable coverage. Some visa exclusions apply depending on the health insurance visa requirements. Get in touch with us for more details.

Feather icon showing a checkmark.
Fast & easy digital claims

File and manage claims online: just take a photo and submit it in your Feather account.

Who can benefit from expat health insurance?

Feather icon showing a traveller.

New arrivals

If you’re moving to Germany for the first time, expat health insurance is the perfect choice for you.
Feather icon showing a person with a laptop.

Freelancers

Freelancers who would like a cost effective insurance or are not eligible for public or private insurance.
Feather icon showing a person with a visa.

Visa seekers

Anyone applying for a visa or temporary residence permit. This policy covers almost all first time visas.
Feather icon showing a student.

Students

Enrolled in a coding program or language school? This policy covers you for the duration of your studies.
Feather icon showing a person reading.

Post doctorates and researchers

Highly trained professionals who are neither university students nor employees.
Feather icon showing a business person.

“Mini jobbers” or interns

Earning less than €520 a month? If you’re in Germany for a summer internship, our expat policy has you covered.

What’s covered?

Feather icon showing a first aid kit.

Accidents and emergencies

This plan covers any unexpected medical treatments and procedures, as well as associated medical follow up costs.

Feather icon showing an iv drip.

Sudden illness and hospitalization

Coverage for sudden non pre-existing illness that requires treatment or hospitalization.

Feather icon showing boarding passes.

Repatriation

In severe cases, you may need to return to your home country for treatment. Our expat policy will cover the travel costs.

Feather icon showing a globe.

Coverage across the EU & Schengen area

Additional coverage in your home country for 6 weeks per year after 1 year on the policy.

What isn’t covered?

Feather icon showing medicaments.

Pre-existing conditions

Treatments related to pre-existing conditions are not covered.
Feather icon showing small print.

Check-ups without symptoms

The policy does not cover routine check-ups or any new conditions discovered during check-ups.
Feather icon showing a syringe.

Regular vaccinations

Travel vaccinations are only covered in the advanced plan.
Feather icon showing a head with a check mark.

Mental health therapy

If you need to get psychotherapy appointments or treatments, those cannot be covered by the policy.

Plans that fit your lifestyle

Not everyone has the same needs, which is why we offer different plans.

See our plansTalk to us

Advantages of expat health insurance

A doctor showing results to a patient.

Visit private or public hospitals

You have a free choice of doctors, dentists, and hospitals recognized and accredited in Germany or the destination country.

Simply remember that hospitals must be under permanent medical management and have sufficient diagnostic and therapeutic facilities.

A person choosing between public and private health insurance.
Only with Feather

Easily upgrade to public or private health insurance

If you get a job, you can request to upgrade directly in your Feather account and we will assist you with the transition.

In most cases, we can even refund any overlap to ensure you are not double charged at any time.

Frequently asked questions

Public, private, or expat?

We can show you the pros and cons based on your lifestyle.

Get a recommendation