Do I need private or statutory (public) health insurance?

It depends on your status, age and visa type. Many students and new arrivals start with private or expat cover, while some become eligible for statutory insurance after arrival. LeilFinanz helps you understand which route may apply to you.

Is health insurance required for my German visa?

Adequate health cover is a requirement for most German visas and for enrolment or residence registration. Confirm the exact cover your consulate or institution requires before applying.

Who provides the insurance?

Policies are provided and underwritten by insurance providers. LeilFinanz is a technology platform that helps you compare available options and apply — it does not underwrite cover.

Can I switch to statutory insurance later?

In some cases, yes — eligibility for statutory (public) insurance can change once you arrive and your circumstances are settled. See our statutory insurance page for help enrolling when you qualify.

What exactly does a plan cover?

Cover varies significantly between providers and plans. Each plan lists its own inclusions, limits and exclusions — always review the specific terms before you apply.

Insurance

Health insurance for your stay in Germany

Compare and apply for private and expat health cover suited to students and new arrivals — provider-backed plans matched to your visa type, subject to eligibility.

Get started See available plans

Student & expat plans
Provider-backed
Enrolment-ready proof

Your cover, at a glance

Matched to your visa

Doctor visits
Hospital care
Prescriptions
Enrolment proof

Provider-backed & enrolment-ready — exact cover, limits and price vary by plan.

Partner plans to compare

€89

Private cover from / plan

Routes: private & statutory

Enrolment-ready

Proof for visa & uni

Why it matters

Adequate cover is part of arriving in Germany

Health insurance is required for most visas, for enrolling at university and for registering your residence. Choosing the right plan early keeps every one of those steps unblocked.

Required to enrol and register — Needed for most visas, university enrolment and residence registration.
Matched to your stage — Student, job-seeker or employee — the right route differs for each.
Private now, statutory later — Many arrivals start private and move to statutory once eligible.

Which route fits you

Private / expat cover

Start here

For your first months — matched to your visa and available before you become eligible for the public system.

Statutory (public) cover

Once eligible

Some arrivals qualify for the public system after arrival. We help you tell which applies and enrol when the time comes.

What's included

Plans shaped around internationals

Options focus on the cover students and new arrivals actually need — with the details of each plan set by the provider.

Cover matched to your visa

Options suited to students, job-seekers and new arrivals, so the policy you choose fits the type of stay you are here for.

Everyday & specialist care

Depending on the plan, cover can include doctor visits, diagnostics and specialist treatment — always read the plan’s specifics.

Documentation for enrolment

Get the confirmation you may need for your visa, university enrolment or residence registration.

Expat-friendly plans

Private and expat options designed for internationals, with support geared to those new to the German system.

Compare plans clearly

See what each partner plan covers, for whom and at what cost, so you can weigh options on the details that matter.

Guidance when you need it

Understand the difference between private and statutory routes and which may apply to your situation.

How it works

From your situation to a policy, in four steps

A guided path to comparing plans and applying with the right provider.

1
Share your situation
Tell us your visa type, status (student, employee, job-seeker) and start date so we can surface suitable options.
2
Compare partner plans
Review available private and expat health plans from providers, with cover and terms set out side by side.
3
Apply with the provider
Complete your application for the chosen plan through a guided flow — approval and terms rest with the provider.
4
Receive your confirmation
Get your policy documents to use for enrolment, registration or your visa, subject to eligibility.

Available plans

Private & expat health plans you can apply for

Provider-backed plans you can compare side by side. Cover, eligibility and price are set by each provider.

LeilFinanz partner (sample)

Expat Health Comprehensive

Comprehensive private cover for the first months in Germany.

Comprehensive
dental add-on available

€129.00/ plan

Apply

LeilFinanz partner (sample)

Student Health (Private)

Private expat health cover suited to students and new arrivals before statutory eligibility.

Outpatient
inpatient
prescriptions

€89.00/ plan

Apply

Why LeilFinanz

Health cover, without the guesswork

LeilFinanz makes an unfamiliar system approachable, so you can choose cover that genuinely fits your stay.

Compare without the jargon

Private, expat and statutory routes explained plainly, so you can tell which fits your visa and stage.

Provider-backed policies

Cover is provided and underwritten by insurance providers. LeilFinanz helps you compare and apply — it is not the insurer.

Built for new arrivals

Guidance is written for people navigating German health cover for the first time, not for insiders.

FAQ

Health insurance questions, answered

Find health cover that fits your visa

Compare provider-backed private and expat plans and apply for the one suited to your stay in Germany.

Get started About statutory insurance

Find your health cover

Compare provider-backed plans in minutes

Start