Cost Planning
Financially prepared in Germany: Calculate entry costs, plan for living expenses and rent, understand insurance requirements, and learn about healthcare salaries.
Anas Haj Hasan - Updated September 2, 2026 | 9:30 AM
Germany offers foreign healthcare professionals attractive career prospects and diverse opportunities. Those wishing to immigrate to Germany should inform themselves early about the costs involved. Even though this may initially seem overwhelming to many, all financial challenges can be mastered with careful planning of costs.
Cost points at a glance
This topic area provides newcomers with realistic guidance on the most important costs that should be considered when planning travel for life in Germany.
Costs before and upon entry
Various costs arise even before immigrating to Germany, such as for visas, flights and transport, as well as for language courses or the certification of important documents. Detailed information on all costs before and during entry is listed here.
Blocked account
To cover all costs incurred in Germany, a blocked account is required in certain cases. It serves as proof of financial means for specific visa types and secures living expenses in the first months. A fixed amount is deposited into this account, which is released monthly after arrival. Further information on setting up and using a blocked account can be found here.
Cost of living
After arriving in Germany, regular expenses for living, insurance, transport, and other personal needs arise. A large portion of these costs include rent. In addition to the base rent, additional costs such as heating, water, electricity, and waste disposal are added. The amount of living costs depends heavily on the place of residence, housing situation, and individual lifestyle. Detailed information on cost of living as well as rental costs is described in detail in the respective articles.
Health insurance
Those coming to Germany and wishing to stay longer than 90 days require health insurance. In many cases, this is already a prerequisite for the visa. Depending on residence status, this can be private or statutory insurance. More information on health insurance in Germany can be found here.
Salaries in German healthcare
To better assess financial expenses, it is also worthwhile to look at salaries in German healthcare. They vary depending on specialty, professional experience, employer and federal state. Detailed information on salaries in German healthcare professions can be found here.
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