All German and foreign students who would like to study in Germany need health insurance. Without a proof of this you wonât be able to enrol in a German university and apply for the visa from theimmigration office (âAuslĂ€nderbehĂ¶rdeâ).
Please inform yourself if you will be able to use your health insurance from your home country.
Travel insurance wonât be recognized as valid health insurance!
Do you already have health insurance from your home country (usually for EU-citizens)?
In this case you need an exemptionfrom the German mandatory health insurance. Please contact any German public health insurance office and ask for an exemption from the German insurance obligation ("Bescheinigung ĂŒberdie Befreiungvon einer gesetzlichen Krankenversicherungin Deutschland").Please note that you will only be exempted from the required German health insurance if you prove adequate coverage that is equivalent to German insurance.
Theexemptionlasts for the duration of your studies and is a final decision thatcannot be reversed. Even after completing your studies, you will not be able to obtain German statutory health insurance unless employment with mandatory health insurance is taken.
EU-citizens: If there is a social insurance agreement (âSozialversicherungsabkommenâ) between Germany and your home country (including the member states of the European Union and the European Economic Area) theEuropean Health Insurance Card (EHIC) is accepted.
Do you not have any health insurance yet?
You can choose between several public and private health insurance companies:
German public health insurance companiesare obliged to provide discounted student rates for their insurance cover for students until they reach 30 years of age or until the end of their 14thsubject-related semester. The membership fee is currently 80 euros a month.Please be aware that the contract duration is set at a minimum of 18 months.When registering with your health insurance provider, please bring your passport and your admission letter from the university. The health insurer will issue you a certificate on the existing insurance cover, which you need to submit for enrolment andregistration at the immigration office.
Private health insurancecould be a good option if you are over 30 years old. Then you can no longer get public health insurance at the favourable student rate. You can maintain the public insurance, but at a higher rate.
If you choose the private insurance you also need an exemption from the German mandatory health insurance. Please contact any German public health insurance office and ask for the exemption. Please note that you will only be exempted from the required German health insurance if you prove adequate coverage that is equivalent to German insurance.âââââââ
If you choose the private insurance please be aware of the following:
Once you have chosen private health insurance you cannot switch back into public health insurance.
Private insurance can be very affordable in the first year, but fees rise with every passing year.
You will need to pay all medical bills in advance. The costs will be reimbursed once you submit the receipts to the insurance company (public health insurance is paid through your insurance card directly).
Private health insurance for students does not necessarily give you full coverage, so read the contract terms and conditions very thoroughly.
The exemption lasts for the duration of your studies and is a final decision that cannot be reversed. Even after completing your studies, you will not be able to obtain German statutory health insurance unless employment with mandatory health insurance is taken. Before you make efforts to be exempted please consider this and consult one of the public health insurance companies!
If you have any questions or problems, please contact the Student Support Service Department.
For more informationaround terms such as âHausarztâ (general practitioner), âĂberweisungâ (doctorâs referral) and âverschreibungspflichtige Medikamenteâ (prescription medication):