German Health Insurance




+49 1626978128

Residence Permit

For those living and working in Germany, since 2009 it's been a legal requirement to have health insurance in place. Non-EU citizen planning to stay in Germany for more than 90 days must apply for a German residence permit or visa.

According to German law (specifically Section 5 (1) (1) of the German Residence Act), residence permits are granted to those who can prove self-sufficiency whilst in Germany, which includes having adequate health insurance in place, according to Section 2 (3) of the Act.

There are 2 choices for health insurance for those applying for a German residence permit. A German private health insurance scheme, or an international health insurance plan both potentially provide sufficient cover. However, international health insurance companies don't always meet the requirements under German law.

So what does German law say? Foreign nationals who don't have statutory German health insurance must be able to prove they have health insurance with a non-statutory health insurance company. The cover must meet certain legal requirements and mirror the German statutory health insurance scheme in its nature and scope. Specifically, the cover must not:

  • contain any exclusion of benefits on a large scale,
  • demand high excess payments to be made by the person insured,
  • limit reimbursed costs in the event of the insured falling ill,
  • have any expiry or indemnity clauses relating to the insured`s age, or whether they cease any particular activity, or change the purpose of their residency.

In addition to this, the policy mustn't expire and must be automatically renewable/extendable, acting as a form of life insurance.

The German Federal Supervisory Authority for Financial Services (Bundesanstalt für Finanzdienstleistungsaufsicht), based in Bonn, stipulates that the agreement between an insured and their insurers must meet all statutory requirements for health insurance in Germany, in accordance with Section 257(2) (a) of Book V of the German Social Security Statute.

Finding out if an international health insurance policy's valid in Germany can be done by approaching the insurance company themselves, asking if they meet the necessary requirements. If they can't confirm this, they probably don't meet the German legal requirements.

I'm an independent insurance broker and have a wide range of different options to assist you and your family with a tailor-made health insurance solution that's just right for you.

In summary, we are proud to offer:

  • Immediate, free insurance quotes
  • Friendly, knowledgeable service
  • Specific plans for employees, freelancers and the self-employed
  • Assistance with form completion
  • Fast, simple processing
  • Guaranteed 48-hour turnaround for residence permit applications


This Company is perfect for any English-speaking families who are new to Germany and confused by the many health insurance options there are here. B-protected helped us to get the very best deal on our health insurance, both in terms of price and quality. I am very happy indeed to recommend B-Protected!

Dinah McL. 45 years, British
Director of Corporate Social Responsibility

I came across B-Protected Web page and I wrote them about my situation. They not only responded very quickly but the were very personal and professional with guiding me in the right direction. I truly recommend their Services because they have a personal touch in a very professional manner.

Rodney D. 49 years, American
lt Ingenieur

Based on my wonderful experience with B-Protected, I strongly recommend anyone living in Germany who need an insurance, to get in contact with them. They are very professional, efficient, customer warm & friendly and talking very good english. You will not miss anything! Vielen Dank.

Jerry Z. 32 years, Japanese
Marketing Director