If you’re planning to study in Germany, securing health insurance is one of the most important steps in your preparation. Health insurance is mandatory in Germany, and every student must have it to enroll at a university. In this article, I’ll guide you through everything you need to know about student health insurance in Germany, ensuring you’re fully prepared and compliant.
Why Health Insurance is Important for Students in Germany
Health insurance is essential in Germany because it covers your medical expenses, including doctor’s visits, hospital stays, medications, and even emergency services. Without proper insurance, the cost of medical treatment can be overwhelming. As a student, having health insurance provides peace of mind so you can focus on your studies.
Types of Health Insurance in Germany
There are two main types of health insurance in Germany:
1. Public Health Insurance (Gesetzliche Krankenversicherung – GKV)
Public health insurance is the most common option for students. It is affordable, reliable, and offers comprehensive coverage. Most international students are eligible for public health insurance, especially if they are under 30 years old or in their first 14 semesters of study.
- Cost: As of 2025, the cost of public health insurance for students is approximately €120-€150 per month.
- Benefits: Covers doctor visits, hospitalization, medications, and preventive care.
- Popular Providers: AOK, TK (Techniker Krankenkasse), Barmer, and DAK.
2. Private Health Insurance (Private Krankenversicherung – PKV)
Private health insurance is an alternative for students who are not eligible for public health insurance or prefer more tailored coverage. It is often chosen by older students, those in postgraduate programs, or students from non-EU countries.
- Cost: Premiums vary widely depending on the coverage and provider but can start from €30-€50 per month for basic plans.
- Benefits: More flexibility and personalized services but may have limitations on pre-existing conditions.
- Popular Providers: Allianz, Mawista, HanseMerkur, and Care Concept.
Eligibility Criteria for Health Insurance
Your eligibility for public or private health insurance depends on several factors:
- Age: Students under 30 are generally required to have public health insurance.
- Program Type: Language course students and preparatory course students may not be eligible for public insurance and must opt for private insurance.
- Enrollment Status: Being enrolled in a German university is a prerequisite.
How to Get Student Health Insurance in Germany
Step 1: Choose a Provider
Research and compare providers to find one that meets your needs. Public insurance providers are regulated, so their offerings are similar. Private providers, however, offer more variety, so compare their plans carefully.
Step 2: Submit Your Application
Once you’ve chosen a provider, apply online or in person. You’ll need to provide the following:
- Proof of enrollment at a German university
- A valid passport
- A completed application form
Step 3: Receive Your Insurance Certificate
After your application is processed, you’ll receive a health insurance certificate. This is essential for university enrollment.
Special Cases for EU and Non-EU Students
EU Students
If you’re from an EU country, your existing health insurance may be valid in Germany under the European Health Insurance Card (EHIC). Check with your provider to ensure coverage.
Non-EU Students
Students from non-EU countries must purchase either public or private health insurance in Germany. Some may require travel insurance initially, but this must be converted to a proper student health insurance plan after arriving.
Tips for Choosing the Right Plan
- Understand Your Needs: Assess your health requirements, including pre-existing conditions and preferred doctors.
- Compare Costs: Public insurance costs are fixed, but private insurance premiums vary. Choose a plan that fits your budget.
- Check Coverage: Ensure the plan covers all necessary treatments, including dental care and emergency services.
- Ask for Advice: Speak with other students or university advisors for recommendations.
What Happens if You Don’t Have Health Insurance?
Without valid health insurance, you cannot enroll at a German university. Moreover, living in Germany without health insurance is against the law and can lead to penalties. It’s essential to secure coverage before your arrival or as soon as you arrive.
Benefits of Student Health Insurance
- Financial Security: Protects you from unexpected medical expenses.
- Comprehensive Coverage: Includes regular check-ups, treatments, and emergencies.
- Peace of Mind: Allows you to focus on your studies without worrying about healthcare costs.
Conclusion
Securing student health insurance in Germany is a crucial step for international students. Whether you choose public or private insurance, ensure your plan meets your needs and complies with German regulations. By doing so, you can focus on your academic journey with confidence and peace of mind. Remember, health is wealth, and being insured is the best way to protect it!