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Germany · Freelance · Seguro

Seguro médico para el visado Freelance de Germany

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

La mayoría de los visados para nómadas digitales convierten el seguro médico en una condición para la aprobación — y el Freelance de Germany no es diferente. Aquí tienes exactamente qué se exige, los planes que plausiblemente lo cumplen y qué comprobar antes de contratarlo.

El requisito

Seguro
Obligatorio (explícito)
Cobertura mínima
No especificado
Obligatorio para
Toda la vigencia del visado

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

Planes que cumplen el requisito

Ordenados por adecuación al requisito y, después, por precio. El estado de cumplimiento se muestra por plan — comprueba siempre que el certificado de la póliza coincide con la redacción del consulado antes de presentar la solicitud.

#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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Algunos enlaces son de afiliación — consulta nuestra divulgación. Las clasificaciones se basan en la adecuación al requisito, nunca en comisiones.

Qué comprobar antes de contratar

  • 📄La redacción del certificado coincide con el requisito del visado — debe nombrar explícitamente el país y el periodo de cobertura.
  • 💶La cobertura es integral (hospitalización, ambulatoria y urgencias), ya que no se publica un mínimo fijo.
  • 🚑El tratamiento de urgencia, la hospitalización y la repatriación médica están todos incluidos.
  • 📅La póliza cubre toda la estancia para la que solicitas el visado — muchas pólizas de viaje limitan la duración del trayecto.
  • 🌍Eres realmente elegible para contratarlo (algunos planes solo se venden a residentes de la UE, el Reino Unido o EE. UU.).
  • 🤝Encaja con el funcionamiento de la asistencia sanitaria local — consulta la página del sistema sanitario.
🛡️ Cómo funciona realmente la sanidad en Germany →

Seguro para el Freelance: preguntas frecuentes

Seguro para el Freelance: preguntas frecuentes

¿Es obligatorio el seguro médico para el Freelance de Germany?

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

¿Puedo usar un seguro de viaje normal?

Según los requisitos publicados, un seguro de viaje sencillo no se acepta con claridad para este programa — un plan de salud internacional es la opción más segura. Verifícalo en la fuente oficial que figura abajo.

Fuentes