Health Cover Built for Your Search Year
Germany requires proof of health insurance before it'll grant your Opportunity Card - through Xerter, our own insurance platform, we help you get the right cover for your whole search year.
Provided through our insurance platform
Why you can't just use any policy
Living and working in Germany comes with a legal obligation to carry health insurance - but plenty of ordinary travel or expat policies quietly fall short of what German authorities actually require for a residence permit. Rather than leave you to untangle the fine print, we built Xerter, our own insurance platform, to match applicants with long-stay plans made for this exact situation.
It doesn't matter whether you're arriving to start your search from scratch or already have a role lined up - your cover works either way. The moment you land a job of 20 hours a week or more, you're eligible to switch onto Germany's public health insurance system.
What you get
Built for residence permits
Long-stay plans with medical cover of up to €200,000, sized for national (D) visa and residence-permit requirements.
Clear prices, no hidden fees
Compare plans from several trusted insurers side by side - no hidden add-ons, no surprise fees.
24/7 medical assistance
Round-the-clock multilingual support, so a medical question at 2am doesn't have to wait for a reply.
Covers your whole year
Book cover for the full year your Opportunity Card runs, with hospital care and emergency repatriation included.
What it actually costs
The price depends on your age, your plan and how far you need cover to reach, so Xerter shows you quotes from several insurers side by side before you commit. Comparing is free, and you only pay if you decide to buy.
Plans come with regional or worldwide cover, so a trip home or a weekend elsewhere in Europe doesn't have to leave you exposed.
Questions applicants usually ask
Why can't I just use travel insurance from home?
Most travel policies aren't built to satisfy German residence-permit rules, and authorities can and do reject them. The long-stay plans on Xerter are made for national visas and residence permits, so you avoid the risk of a rejected application over an insurance technicality.
What happens once I find a job?
As soon as you start a role of 20 hours a week or more, you become eligible for Germany's public health insurance system and can move onto it.
Does it cover care outside Germany too?
It can - long-stay plans come with regional or worldwide cover, so pick the scope that matches where you expect to travel during your search year.
Do I have to pay for the whole year at once?
Most applicants book cover to match their Opportunity Card's one-year validity. Xerter shows each plan's price and payment terms up front, before you buy.
Get your cover sorted now
You'll be taken to Xerter, our own insurance platform, to compare plans and finish booking.
Continue to Xerter