English 
Français La plupart des visas pour nomades numériques font de l'assurance santé une condition d'approbation — et le Freelance de Germany ne fait pas exception. Voici exactement ce qui est exigé, les formules qui répondent vraisemblablement à l'exigence et ce qu'il faut vérifier avant de souscrire.
L'exigence
- Assurance
- Obligatoire (explicite)
- Couverture minimale
- Non précisé
- Exigée pour
- Toute la durée du visa
Proof of health insurance is required for the permit; statutory (GKV) or private (PKV) cover applies after entry. No minimum sum published centrally.
Formules répondant à l'exigence
Classées par adéquation à l'exigence, puis par prix. Le statut d'éligibilité est indiqué pour chaque formule — vérifiez toujours que le certificat de la police correspond à la formulation du consulat avant de déposer votre demande.
Feather Expat Health Insurance (incoming insurance, Newcomer plans Basic/Premium)
Likely qualifyingFeather 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
View plans (opens in a new tab)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
View plans (opens in a new tab)Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum)
Needs verificationCigna 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
View plans (opens in a new tab)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
View plans (opens in a new tab)Certains liens sont des liens d'affiliation — voir notre divulgation. Les classements reposent sur l'adéquation à l'exigence, jamais sur les commissions.
Ce qu'il faut vérifier avant de souscrire
- 📄La formulation du certificat correspond à l'exigence du visa — il nomme explicitement le pays et la période de couverture.
- 💶La couverture est complète (hospitalisation, soins ambulatoires et urgences), puisqu'aucun minimum fixe n'est publié.
- 🚑Les soins d'urgence, l'hospitalisation et le rapatriement médical sont tous inclus.
- 📅La police couvre tout le séjour pour lequel vous postulez — beaucoup d'assurances voyage plafonnent la durée du séjour.
- 🌍Vous êtes bien éligible à la souscription (certaines formules ne sont vendues qu'aux résidents de l'UE/du Royaume-Uni/des États-Unis).
- 🤝Elle s'accorde avec le fonctionnement des soins sur place — voir la page système de santé.
Assurance pour le Freelance : FAQ
Assurance pour le Freelance : FAQ
L'assurance santé est-elle obligatoire pour le Freelance de Germany ?
Obligatoire (explicite). Proof of health insurance is required for the permit; statutory (GKV) or private (PKV) cover applies after entry. No minimum sum published centrally.
Puis-je utiliser une assurance voyage classique ?
D'après les exigences publiées, une simple assurance voyage n'est pas clairement acceptée pour ce programme — une assurance santé internationale est la voie la plus sûre. Vérifiez auprès de la source officielle ci-dessous.
Sources
- Government Visa for freelance business — Make it in Germany (Federal Government) (opens in a new tab) accessed 2026-06-15
- Official gazette Residence Act (AufenthG) §21 — official English translation (opens in a new tab) accessed 2026-06-15