The importance of student health insurance in Germany is twofold. Not only does it ensure you in situations that require medical assistance, but it is also an essential requirement to obtain a study visa for Germany.
The law in Germany requires everyone to have health insurance, including international students.
While students enrolled in degree programs are eligible to take out public health insurance, students in preparatory or language courses and students over the age of 30 must obtain private health insurance plans.
In this guide, we'll show you exactly what you need to know about student health insurance in Germany, its eligibility, the requirements for your student visa, the costs, and how to choose a health insurance plan that's affordable and covers everything. what do you need. an international student.
Medical insurance for foreign students in Germany
If you are a student under the age of 30 enrolled in a degree program at a German university, you can choose to register with a public health insurance provider in order to benefit from the statutory health insurance scheme.
Students over 30 years of age, language and preparatory course students, doctoral students and visiting scientists, however, only have the possibility of obtaining private health insurance.
International students who come from EU countries, Bosnia-Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia and Turkey, are not required to obtain additional health insurance because their health plans public insurance from their home countries are valid in Germany. In addition, they should make sure to check with their health insurance provider to find out what services they will be entitled to once they arrive in Germany, as there is a chance that the health insurance company in their home country will not cover all of them. costs in Germany. .
However, if an EU/EEA student is doing a student job or paid internship in Germany, they must be insured with a German public health insurance provider.
The following categories are not eligible for the German public health insurance plan:
- Students who have health insurance in their country of origin and it is recognized in Germany.
- Students older than 30 years.
- Students who are self-employed or self-employed.
- Students who are not enrolled in degree programs in Germany (eg preparatory or language courses).
- Postgraduate students and interns (without employment contract).
- Invited Scientists and Researchers.
- What should you do if you fall into one of the above categories?
Your only option is to get private health insurance with one of Germany's private student health insurance providers. The EDUCARE24 health insurance plan from a well-known German health insurance company DR-WALTER is a perfect option for all foreign students.
The benefits you get with EDUCARE24:
- Meet all the requirements of the German study visa.
- Acceptable by all German embassies/consulates
- Regardless of student status
- Health insurance without deductible
- Easy to buy/get the policy online and receive your certificate of insurance as well as all the other documents you need for embassies and authorities in a matter of minutes.
EDUCARE24 can be purchased in different combinations that are exactly adapted to the needs of:
- language students
- Foreign students
- Visiting scientists and doctors
- Accompanying family members
Please note that health insurance is an official requirement to obtain a German student visa, as well as to enroll in a German university.
How much does student health insurance cost in Germany?
International student health insurance costs between €103.94 and €111.75 per month with a public health insurance provider, covering basic health care and long-term care insurance.
The contributions to public health insurance for 2019/20 are as follows:
- TK – Techniker Krankenkasse €105.80 (€103.94 per month for students up to 22 years old)
- AOK Baden Württemberg €107.29
- Barmer €108.77
- KKH – Kaufmännische Krankenkasse €111.75
The cost of private health insurance in Germany starts at around €33 per month and increases depending on the additional services you choose and whether your stay will be 18 months or more.
If you want to calculate how much you will have to pay for health insurance in Germany, you can use this free