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Germany · Freelance · Insurance

Health insurance for the Germany Freelance visa

Partially verified Last verified June 15, 2026 Reviewed by Henry van de Vorming

Most digital-nomad visas make health insurance a condition of approval — and the Germany Freelance is no different. Here's exactly what's required, the plans that plausibly meet it, and what to check before you buy.

The requirement

Insurance
Required (explicit)
Minimum coverage
Not specified
Required for
Full visa period

Proof of health insurance is required for the permit; statutory (GKV) or private (PKV) cover applies after entry. No minimum sum published centrally.

Plans that meet the requirement

Ranked by requirement fit, then price. Qualification status is shown per plan — always double-check the policy certificate matches the consulate's wording before you apply.

#1

Feather Expat Health Insurance (incoming insurance, Newcomer plans Basic/Premium)

Likely qualifying

Feather Insurance (Popsure Deutschland GmbH, Berlin-based digital broker) · Incoming insurance (Germany)

Purpose-built German incoming/expat health insurance issuing German-embassy visa-compliance documents, matching the §21(5) permit's proof-of-health-insurance requirement.

  • Flat community pricing independent of health history: EUR 72/month Basic and EUR 134/month Premium for ages 18-64 (higher band 65-74)
  • Issues instant confirmation-of-coverage and visa-compliance documents (incl. Anlage 6 style letters) tailored to German embassies and immigration offices; insurer states it meets the EUR 30,000 Schengen visitor-visa coverage requirement
  • Covers trips throughout the EU/Schengen area for up to 90 days, plus up to 6 weeks per year in the insured's home country after 12 months on the policy

from €72 /mo

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#2

Care Expatriate (Basic/Comfort/Premium); student line: Care College

Likely qualifying

Care Concept AG (Bonn, Germany) · Long-stay travel insurance

German long-stay expat health product recognised by German authorities, fitting the permit's health-insurance proof.

  • Contract terms from 3 months up to 5 years; max entry age 74 (Care Expatriate); Germans/Austrians abroad can re-extend repeatedly until their 74th birthday
  • Home-country visits insured: 30 (Basic) / 45 (Comfort) / 90 (Premium) days per insurance year
  • Official insurer FAQ states products generally meet Schengen visa requirements; instant online confirmation issued at booking and products are recognized by German authorities (>EUR 30,000 coverage)

from €58 /mo

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#3

Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum)

Needs verification

Cigna Healthcare (Cigna Global Insurance Company Limited) · International health insurance

Full international health plan usable as private cover, but acceptance vs statutory GKV/PKV is not confirmed.

  • Three core tiers with annual maximums of $1M/€800k (Silver), $2M/€1.6M (Gold) and paid-in-full with no overall cap (Platinum)
  • No upper enrollment age (18+); insurer states it does not terminate policies based on age
  • Modular design: outpatient, evacuation & crisis assistance, health & wellbeing, vision & dental can be added; deductibles ($0-$10,000) and cost shares (0-30%) reduce the premium

from — /mo

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#4

Foyer Global Health (Essential / Special / Exclusive)

Needs verification

Foyer Global Health S.A. (Foyer Group, Luxembourg) · International health insurance

Comprehensive international health insurance as private cover, but German authorities may require a specifically German-compliant policy.

  • No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
  • Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
  • Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans

from €80 /mo

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Some links are affiliate links — see our disclosure. Rankings are based on requirement fit, never on commissions.

What to check before you buy

  • 📄The certificate wording matches the visa requirement — name the country and the coverage period explicitly.
  • 💶Coverage is comprehensive (inpatient, outpatient and emergency), since no fixed minimum is published.
  • 🚑Emergency treatment, hospitalisation and medical repatriation are all included.
  • 📅The policy runs the full stay you’re applying for — many travel policies cap the trip length.
  • 🌍You’re actually eligible to buy it (some plans only sell to EU/UK/US residents).
  • 🤝It pairs with how care works locally — see the health system page.
🛡️ How healthcare actually works in Germany →

Insurance for the Freelance: FAQ

Insurance for the Freelance: FAQ

Is health insurance mandatory for the Germany Freelance?

Required (explicit). Proof of health insurance is required for the permit; statutory (GKV) or private (PKV) cover applies after entry. No minimum sum published centrally.

Can I use regular travel insurance?

Based on the published requirements, simple travel insurance is not clearly accepted for this program — an international health plan is the safer route. Verify with the official source below.

Sources