Germany is renowned for its high-quality healthcare system, and for international students, securing health insurance is a crucial requirement. Whether opting for statutory health insurance in Germany or private health insurance, understanding the options available ensures compliance with German regulations and provides comprehensive medical coverage.
Why Health Insurance is Mandatory for International Students in Germany
Health insurance is a legal requirement for all students in Germany. Without valid insurance, students cannot enroll at a university, obtain a residence permit, or receive medical treatment without incurring significant costs. There are two main types of health insurance for students:
- Statutory Health Insurance (Gesetzliche Krankenversicherung – GKV)
- Private Health Insurance (Private Krankenversicherung – PKV)
Choosing the right insurance plan depends on various factors, including age, country of origin, and student status.
Statutory Health Insurance in Germany (GKV)
The statutory health insurance system covers most students under the age of 30 or within their 14th semester of study. This system operates on a solidarity principle, meaning that everyone contributes a fixed percentage of their income to ensure equal healthcare access.
Benefits of Statutory Health Insurance:
- Affordable Monthly Premiums: International students pay approximately €120–€150 per month.
- Comprehensive Coverage: Covers doctor visits, hospital stays, preventive care, and prescription medications.
- No Discrimination Based on Pre-existing Conditions: Acceptance is guaranteed regardless of medical history.
- Family Insurance Option: If a parent is insured under GKV, dependents may be covered without additional costs.
Best Statutory Health Insurance Providers in Germany
- TK (Techniker Krankenkasse) – Popular for students due to excellent service and English-speaking support.
- AOK – One of Germany’s largest public insurers, offering extensive medical services.
- DAK Gesundheit – Provides comprehensive coverage with additional student benefits.
Private Health Insurance in Germany (PKV)
Private health insurance is an option for international students who:
- Are over the age of 30.
- Have completed their 14th semester.
- Are enrolled in preparatory or language courses.
- Seek more flexible and tailored coverage options.
Benefits of Private Health Insurance:
- Lower Premiums for Young, Healthy Students: Some plans start as low as €30 per month.
- Faster Medical Appointments: Private patients often receive quicker access to specialists.
- Customizable Coverage: Students can choose specific benefits based on their needs.
- Global Coverage: Some private plans cover treatments in other EU countries.
Best Private Health Insurance Providers in Germany
- MAWISTA – Specializes in student insurance with flexible terms.
- Care Concept – Affordable plans with comprehensive benefits.
- HanseMerkur – Offers premium coverage options with international validity.
How to Choose Between Statutory and Private Health Insurance
| Criteria | Statutory Health Insurance (GKV) | Private Health Insurance (PKV) |
|---|---|---|
| Age Limit | Up to 30 years | No age limit |
| Monthly Cost | €120-€150 | From €30, depending on coverage |
| Doctor Choice | Public and some private doctors | More flexibility with specialists |
| Coverage | Standard, extensive | Customizable |
| Pre-existing Conditions | Fully covered | May require higher premiums |
| Global Coverage | Limited | Often includes international coverage |
Health Insurance for EU vs. Non-EU Students
EU Students
If you are from an EU country, you may use your European Health Insurance Card (EHIC) to access healthcare in Germany. However, it is recommended to check whether additional coverage is necessary.
Non-EU Students
Students from non-EU countries must secure German statutory or private health insurance before enrolling in university and applying for a visa.
How to Apply for Health Insurance in Germany
Step 1: Determine Your Eligibility
- Check if you qualify for statutory health insurance.
- If over 30, explore private health insurance options.
Step 2: Compare Health Insurance Providers
- Use online comparison tools to find the best plan for your needs.
Step 3: Submit Required Documents
- Passport or National ID
- University Enrollment Certificate (Immatrikulationsbescheinigung)
- Bank Account Details for Monthly Payments
Step 4: Receive Confirmation
After approval, you will receive an insurance certificate, which you must present during university registration.
Health Insurance for Part-Time Student Jobs
If you plan to work while studying, be aware that:
- If you earn less than €520 per month, your student status remains unchanged, and statutory insurance continues.
- If your income exceeds €520, you may need employee insurance coverage.
Health Insurance for Graduates and PhD Students
Upon graduation, you can either:
- Continue statutory health insurance if employed in Germany.
- Switch to private insurance if self-employed or pursuing a PhD without employment.
Understanding health insurance in Germany is essential for international students to comply with regulations and access quality healthcare. Whether opting for statutory health insurance or a private plan, choosing the right coverage ensures peace of mind throughout your studies.
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