Expat Health Insurance in Germany
International health coverage for expatriates living in Germany — complementing or alongside the German healthcare system.
Who Needs International Health Insurance in Germany
Germany has one of the largest expat communities in Europe. While Germany has a strong public healthcare system, some expats — particularly those on certain visa types or in their first months of arrival — may need private international coverage.
- New arrivals awaiting registration with German public health insurance (GKV)
- Expats on visas that require proof of private health insurance
- Self-employed individuals not eligible for public health insurance
- Expats who want coverage during travel outside Germany
What International Coverage Provides in Germany
International health insurance can provide:
Hospitalization and inpatient treatment
Outpatient doctor visits and specialist care
Prescription medication coverage
Dental care (optional)
Coverage for medical treatment across Europe and worldwide
Why Consider International Insurance for Germany
International coverage can be an excellent bridge or complement:
- Bridge coverage while setting up your German public insurance
- Flexibility to keep coverage when traveling or moving between countries
- English-speaking support and documentation
- Full private coverage options
How It Works
Explore Your Insurance Options
Fill out the form below and you'll be directed to ACS to review plan details and pricing. No obligation — just information to help you decide.
Frequently Asked Questions
What countries does ACS Expat cover?
ACS Expat provides coverage in 190+ countries worldwide. However, coverage may be limited or unavailable in countries subject to international sanctions or where local regulations restrict foreign insurance policies. You should verify specific country eligibility directly with ACS.
What are the different coverage levels available?
ACS Expat typically offers multiple levels of coverage — from basic inpatient-only plans to comprehensive packages that include outpatient care, dental, maternity, and repatriation. The exact levels and their benefits can be reviewed on the ACS website when you request a quote.
Can I cover my family under one policy?
Yes, ACS Expat offers family plans that can include your spouse or partner and dependent children. Family coverage details and pricing are available from ACS when you complete the enrollment process.
Is there an age limit for ACS Expat?
ACS Expat is available for individuals up to age 65. For those 60 and older, ACS also offers the Senior Expatriate plan, which is built for older expats and retirees.
Are pre-existing conditions covered?
Coverage for pre-existing conditions varies by plan and is subject to ACS underwriting. Some pre-existing conditions may be covered after a waiting period, while others may be excluded. Full details are provided by ACS during the application process.
How does the enrollment process work?
After filling out our form, you will be redirected to the ACS website where you can review plan options and complete your enrollment. ACS handles all aspects of the application, underwriting, and policy issuance.
Can I use ACS Expat in my home country?
Coverage is for use outside your home country. Some plans may offer limited coverage during temporary visits to your home country. Check the specific policy terms with ACS for details.
Important Notice
INTERNATIONAL SOLUTIONS OÜ operates this website as an independent informational and affiliate platform. We are not an insurer, insurance broker, or legal advisor.
Insurance products, terms, pricing, underwriting, eligibility, exclusions, and claims handling are managed by ACS on the destination page. Please verify all details directly with ACS before making decisions.