Health Insurance for International Students in Germany: All You Need to Know

Q: Is health insurance mandatory for international students in Germany?

A: Absolutely! Health insurance is legally required for all residents in Germany, including international students. Without it, you can’t obtain a student visa or enroll in a university. While it might seem daunting at first, it’s there to ensure you have access to Germany’s top-notch healthcare system, which is both affordable and student-friendly.

Q: What are my options for health insurance in Germany?

A: There are two types of health insurance to consider:

1. Public (Statutory) Health Insurance:This is the go-to option for students under 30 enrolled in degree programs (Bachelor’s or Master’s). It's affordable, with monthly costs ranging between €130 and €150 (as of October 2024), thanks to significant student discounts. Public insurance covers all essential medical needs, making it a popular choice.

   
   

2. Private Health Insurance:If you’re over 30, in a preparatory course, or pursuing a Ph.D., you may need private insurance.

   
   

   Plans like EDUCARE24 or Provisit Student are designed specifically for students, starting at just €33 per month. Private plans can be tailored to include extra benefits, such as advanced dental care or private hospital rooms.

   
   

Q: What does health insurance cover?

A: Both public and private health insurance offer extensive coverage, including:

• Doctor visits and outpatient treatments.

• Hospital care and surgeries.

• Prescription medications.

• Maternity benefits.

• Basic dental care.

  
  

Private plans may offer added perks like advanced dental services or private rooms during hospital stays.

Q: How do I get health insurance as a student?

A: It’s easier than you think! Here's a step-by-step guide:

1. Do Your Research: Use online tools from providers like Techniker Krankenkasse (TK) or DR-WALTER to compare plans and check your eligibility.

2. Apply Online: Once you choose a plan, complete the application directly with the provider. Many companies offer 100% digital signups, so no paperwork hassles.

3. Bridge the Gap: For the time between arriving in Germany and starting university, get travel insurance. TK and DR-WALTER offer combined solutions to make this seamless.

4. Submit Proof: Your insurer will give you a certificate to enroll at your university. Make sure you keep another copy for your visa application.

   
   

Q: What happens when I turn 30 during my studies?

A: At 30, you’re no longer eligible for discounted public health insurance rates. However, you can continue public insurance on a voluntary basis, with costs starting at around €226 per month. Alternatively, private plans like

Provisit Student remain a great option for degree students over 29, balancing affordability and coverage.

Q: How do I handle the gap between arriving in Germany and my studies starting?

A: Great question! This gap requires “incoming travel insurance.” Public providers like TK collaborate with private insurers like DR-WALTER to cover you for this period. This ensures a smooth transition when your university studies begin and your long-term insurance kicks in.

Q: Any quick tips before I sign up?

A:

1. Don’t delay — you need health insurance to get your visa and enroll in university.

2. Public plans are ideal for degree students under 30, while private plans work best for non-degree or older students.

3. Combine public insurance with private add-ons if you want extra benefits.

4. Use English-language support from providers like TK or Feather to simplify the process.

   
   

Final Takeaway:

Health insurance is not just a legal requirement in Germany — it’s a vital safety net that ensures you’re protected during your studies. Whether you opt for public or private coverage, the system is designed to be student-friendly, affordable, and reliable. Research your options, compare plans, and enjoy peace of mind while focusing on your academic journey in Germany!

Disclaimer: This guide offers general information. Always consult your chosen insurance provider or university for personalized advice.