Insurance in Germany
By: Simon Heinrich – Last updated: 06/2026
Find the most important insurance types for students, expats, and visa applicants in Germany. Choose a topic — some pages are already available, others are still in preparation.
Health insurance
For your visa, residence, and enrollment, health insurance is often required. We explain the differences (public vs. private) and how to choose the right option.
Personal liability
Personal liability covers you if you accidentally cause damage to someone else. It’s usually inexpensive, but it can protect you from very high costs.
Household insurance
Household insurance protects your belongings at home (e.g., burglary, water damage, fire). It’s useful if you own valuable items like a laptop or a bike.
Travel insurance
Travel insurance is most relevant if you visit Germany (or the EU) before your regular coverage starts. We show when it makes sense and what to check in the benefits.
Legal insurance
Legal insurance can help cover lawyer and court costs in disputes (e.g., landlord, employer, after an accident). We explain typical cases, costs, and alternatives.
Disability insurance
Occupational disability insurance protects your income if you can’t work in your profession due to health reasons. If you depend on your salary, it can be important.
Which insurances are really important?
For most newcomers, health insurance is the key starting point. Personal liability is highly recommended, while household, legal, travel insurance, and occupational disability depend more on your situation.
Need insurance for a car or motorcycle? See: Driving & vehicles (car insurance).
FAQ
Which insurance do I need for a visa?
Suitable health insurance is the key requirement.
What matters most after arrival?
Health insurance and personal liability are a good starting point for many people.
Is this advice or information?
This is an information page, not individual advice.
Not sure where to start?
Start with health insurance and personal liability — these are the most common starting points.
How to use this page
Start with the topic that’s blocking you right now (visa, arrival, or everyday life). Then you can add the other insurances step by step.
Next step: Your personal roadmap
Insurance is just one part of starting your life in Germany. If you want to go through all key steps in a clear order, get our roadmap.
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