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Insurance for foreign guest scientists, doctoral candidates, and employees exempt from social insurance

“Working abroad” is gaining importance in these times of increasing globalization. Not only are companies operating internationally deploying their employees worldwide, guest professors and guest scientists are also transferring their know-how. Freelancers in service occupations and skilled workers are leaving their homeland behind them and temporarily working abroad. Obtaining health insurance coverage is mandatory for a stay in Germany, optimally complemented by accident and liability insurance.

We urgently recommend obtaining health insurance coverage for all employees from the EU who are exempt from social insurance as well, since insurance in their home country does not pay for everything, for example return transport that is often expensive.

Workers to Germany/Austria

from 1.20 per Day (36.00 €/month)

Dieser Leistungsvergleich gibt Ihnen einen Überblick, genaue Leistungsbeschreibungen und umfassende Informationen finden Sie in den Verbraucherinformationen. Die Versicherungsbestätigung zur Vorlage bei den Behörden erhalten Sie unmittelbar nach Abschluss. Der Umfang übersteigt die Anforderungen der Behörden zur Erteilung des Visums – auch die zur Erteilung von Schengen-Visa.

Premium overview

1st – 12th month Basic         Premium
3-40 years € 1.20 € 1.40
41-64 years € 1.40 € 1.60
65-69 years € 2.90
from 13th month Basic         Premium
3-40 years € 1.80 € 2.00
41-64 years € 2.00 € 2.20
65-69 years € 3.40

Your advantages

  • Daily premiums
    We offer innovative daily premiums. So you only pay for the exact duration of the planned stay.
  • Billing accurate to the day
    Excess premium payments are refunded if the insurance contract ends prematurely.
  • Direct settlement with doctors and hospitals
    With all rates: No duty to pay in advance. We have direct billing with doctors and hospitals
  • Refund of premiums
    With the PREMIUM rate: One monthly premium after min. 12-month term without claims.
  • Everything from one source
    From the application to contract management to support in case of a claim – our experienced team handles everything for you.
  • Recognized for visas and residence permits
    The insurance coverage exceeds the official requirements for issuing a visa – including the Schengen visa.
  • Vacation trips
    Insurance coverage worldwide for up to 6 weeks for vacation trips.
  • Choice of rates
    Health, accident, and liability insurance with tiered benefits:, BASIC and PREMIUM or
    accident and liability insurance: LIABILITY/ACCIDENT

Consumer information

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