Au Pair Health Insurance in Germany

Au pair insurance is obligatory in Germany

In Germany, the host family must take out insurance for their au pair. This insurance must be valid for the entire duration of the au pair's stay. Au pair insurance includes health, accident, and liability insurance. The cost of au pair insurance depends on the choice of insurance policy (called tariff in Germany) and the risks covered. They range from about 25 to 70 euros per month. A standard package usually includes outpatient and inpatient medical treatment.

Every year, around 30,000 au pairs come to Germany. They offer valuable help in the daily lives of their host families. The term au pair comes from French and means “equal to”. Au pairs receive meals, accommodation, and pocket money from a host family, and, in return, help with childcare and light housework.

Au pairs from the EU and Switzerland must be between 18 and 30 years old, have basic knowledge of the German language, and be willing to live with a family in Germany for a minimum of 6 months and a maximum of 12 months. Au pairs from non-EU countries must be between 18 and 24 years old. Applicants from non-EU countries require a special au pair visa, which they must apply for at their local German embassy before departure. The processing time is usually between 2 and 6 months.

Numerous au pair agencies not only find host families for the au pair for a fee, but also take care of legal requirements such as au pair visas and au pair insurance. The monthly costs of an au pair consist mainly of a fixed pocket money of 260 euros, accommodation and meals, a monthly travel ticket (for public transportation), and the cost of health insurance.

Insurance for au-pairs from abroad

The recommended insurer Care Concept specializes in au pair stays and offers, in cooperation with HanseMerkur Krankenversicherung, insurance packages for foreign au pairs. The link below will take you directly to the Care Concept website where you can find more information, calculate your premiums, and apply online.

Click for more information and to apply online