Health insurance and additonally recommended insurances
When enrolling, all students must prove that they have taken out health insurance for the duration of their study stay in Germany to cover medical expenses in Germany. Health insurance contributions may vary according to age, gender and country of origin.
Please notice that a travel insurance is not equivalent to a statutory health insurance!
Students with a public health insurance
Students from EU countries who are insured by a public health insurance company in their country of origin can have their health insurance recognised by a public health insurance company in Germany.
As generally, proof is provided by the European Health Insurance Card EHIC (European Health Insurance Card).The European Health Insurance Card applies to the following countries (English country names): Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
In addition, Germany has signed agreements with the following countries for the recognition of national health insurance (English country names): Bosnia-Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia and Turkey.
Students with a private health insurance
Students from EU countries who are insured with a private health insurance provider in their country of origin must present a confirmation of this insurance company when enrolling in Germany. In the case of private health insurance, all medical services and medication in Germany must be paid for in advance and then billed to the health insurance company in the country of origin. Applicants who are privately insured in Germany and are not yet 30 years old require a certificate of exemption from statutory health insurance in order to enrol. This exemption is irreversible within the duration of the study stay in Germany. This means that once you have been exempted, you can no longer be admitted to a public health insurance company during your studies. Students from EU countries who are not covered by health insurance in their country of origin must take out health insurance in Germany. Until the 30th birthday this is possible with a public or private health insurance company. A certificate of exemption is required as well. From your 30th birthday onwards, you can only insure yourself with a private health insurance company.
Students who do not come from EU countries or the above-mentioned countries must take out health insurance in Germany. Until the 30th birthday this is possible with a public or private health insurance provider. From your 30th birthday onwards, you can only insure yourself with a private health insurance provider. Applicants who are privately insured in Germany but are not yet 30 years old need a certificate of exemption from public health insurance to enrol. This exemption is irreversible during a study stay in Germany. This means that you will no longer be covered by a public health insurance.
The benefits provided by the various health insurers vary; the costs also vary and range between € 130 and € 150 per month.
With some insurances the insurance protection begins at the earliest with the day of the matriculation. From the time of entry into Germany until the time of matriculation there is no insurance obligation and therefore no insurance cover.
Private health insurance offers more favourable tariffs for foreign exchange students, whereby the achievements and running times can differ.
For the duration of your travel to Germany and your first days before the enrollment, taking out a travel insurance policy is recommended. Because statutory health insurances only protects you in case of illness from the date of your enrollment onwards.
Please contact your health insurance company to check when your insurance is valid.
