Health Insurance Guide for International Students in Germany 2025

If you are an International Students in Germany you are obliged by law to get health insurance, with two types depending on your age and study level: statutory (public) and private. Statutory health insurance is often the most recommended option for those under 30 or enrolled in a bachelor’s program. Private health insurance may appeal to older students or those pursuing advanced degrees.

In this article, I’ll break down the different types of health insurance available, their benefits, and what you need to consider when choosing the right plan.

Public Student Health Insurance in Germany

In Germany, public student health insurance is an essential safety net for the majority of international students who enroll in universities. With a monthly premium of approximately €110, it offers comprehensive coverage. Students can benefit from discounted rates compared to the standard insurance plans available to employed individuals, who typically contribute 14%-15% of their salary towards health insurance.

The most popular public health insurance companies, like Techniker Krankenkasse (TK) and AOK, attract students due to their low monthly contributions and excellent customer service. TK stands out particularly for its unique offer: if you subscribe to their plan, you get one month of free insurance, making it an even more attractive option for budget-conscious students.

Many students may not be aware that they need to take proactive steps before their TK health insurance kicks in. Utilizing a temporary private insurance policy before enrolling in university can be a smart move, ensuring that you are protected during the waiting period while your TK application is processed.

Who Is Eligible for Public Student Health Insurance in Germany?

Students under the age of 30 or those who are in their first degree program can easily access this essential coverage. For those unsure about their eligibility, utilizing an online consulting tool can be incredibly beneficial. This interactive questionnaire, developed in collaboration between TK (Techniker Krankenkasse) and DR-Walter, provides personalized insights into your specific situation. This user-friendly tool allows prospective students to provide essential information about their academic pursuits and personal circumstances, ensuring they receive accurate advice on health insurance options.

How Much Does Statutory Student Health Insurance in Germany Cost?

Statutory student health insurance in Germany typically costs between 124,15€ and 149,62€ per month, making it an essential consideration for both local and international students. Many students overlook the potential long-term savings associated with early and preventative healthcare access, which can mitigate future medical costs.

How to Get Public Student Health Insurance in Germany?

• To start, it’s essential to choose a health insurance provider that caters specifically to students, such as AOK, Techniker Krankenkasse, or Barmer.
• These providers offer tailored packages with reduced rates.
• These platforms typically provide English-language options, making them accessible for non-German speakers
• Once you’ve selected a provider, gather the necessary documents: proof of enrollment at your university, your passport or ID, and any previous insurance documentation if applicable.
• Most providers allow you to apply online, making it convenient to complete your registration from anywhere.
• After processing your application, you will receive your insurance certificate which is crucial for accessing healthcare services across Germany.  You can download, print out, and submit to your university for enrollment and present to the German Embassy.
• Remember, having public health insurance not only ensures you’re covered for routine visits and emergencies but also opens doors to preventive care and wellness programs, enhancing your overall student experience in Germany.

Private Health Insurance for Foreign Students in Germany

Contrary to common belief, private health insurance for foreign students isn’t an inferior option compared to public insurance; in fact, many find that it offers tailored benefits that better suit their individual needs. For students over 30, eligibility for private health plans opens up a world of comprehensive coverage options.

One standout choice is the best plan by Dr. Walter, which has gained popularity among students for its extensive network and flexible terms. This plan is particularly great because it combines affordability with quality, ensuring that students can access top-notch medical facilities without breaking the bank.

How to Get Private Health Insurance in Germany?

Private health insurance often offers more tailored options compared to public health insurance, such as specialized coverage for dental care or alternative therapies. Take advantage of online comparison tools specifically designed for students.

• One of the most convenient ways to secure coverage is to purchase online.
• Many insurers provide user-friendly platforms where you can compare various plans.
• Once you’ve made your choice, submit the required documents online, which typically include proof of enrollment and identification.
• Understanding how to pay for your policy is crucial
• Most providers offer flexible payment options, including monthly installments or annual fees.
• Upon completing your purchase, you’ll receive an instant certificate of insurance.

I recommend choose the EDUCARE24 Plan, provided by DR-Walter.

Who Needs Private Student Insurance in Germany?

If you fall under specific categories such as being over 30, a guest scientist, enrolled in a language course, or pursuing postgraduate studies, private student insurance in Germany becomes not just beneficial but essential.

EDUCARE24  is a flexible insurance to meet need of above mention categories.

How Much Does Private Student Health Insurance in Germany Cost?

Cost vary from Company to Company.

Health Insurance for Students in Preparatory or Language Courses in Germany

If your university require preparatory or Language courses before formal enrollment, you may find that private health insurance is your best option during this transitional period. Once you successfully transition into your degree program, switching to public health insurance can be beneficial and more cost-effective.

What Does Student Health Insurance in Germany Cover?

Student health insurance in Germany is designed to provide comprehensive coverage tailored to the unique needs of students.

• Standard medical services
• Hospital treatment
• Preventive care measures such as vaccinations and routine check-ups
• Covers essential medications and treatments, including outpatient and inpatient care.
• Alternative therapies like acupuncture or chiropractic care
• Coverage for regular doctor visits
• Routine checkups, and consult specialists if necessary
• Provisions for vital treatments such as cancer screenings and early detection tests
• Dental checkups
• Maintain oral hygiene

Companies with additional coverage offer higher fee.

Difference Between Student Travel Insurance vs Student Health Insurance

Student Travel Insurance	Student Health Insurance
1. Short-time insurance plan 2. Cover you before your semester starts  3.  Period of time starting from when you depart your home country until the beginning of the semester 4. You need Travel Insurance fulfils Schengen requirements.	1. Long-term health insurance plan 2. Covers you for the duration of your studies 3. Duration of studies until you return home 4. You need health insurance to enroll in the university

How Much Does International Student Health Insurance Cost?

In Germany public health insurance for students typically around €110 per month. This option provides comprehensive coverage. On the other hand, private health insurance begins at a remarkably low rate of €33 per month, making it an attractive alternative for many young students. It’s important to note that premiums can increase significantly for those over 40, potentially reaching up to €130 per month depending on the specific plan and coverage selected.

Can You Opt-Out of Statutory Health Insurance in Germany?

In Germany, students have the option to opt out of statutory health insurance. If you’re considering this route, it’s crucial to ask for a certificate of exemption within the first three months of your studies. This document is your ticket to private health insurance. Keep in mind that opting out is not just a temporary choice; once you have opted out, you cannot re-enroll in the statutory scheme later on, which can leave you vulnerable if your private coverage doesn’t meet your expectations.

If you’re a student under 30 and working on a freelance basis or earning above a certain threshold, you may be eligible to opt-out.  you can enroll under statutory insurance again, but you will pay the same contributions as a worker, not the reduced fees of a student.

Without valid health insurance, you won’t be able to proceed with your studies in Germany.

Exemptions From Student Health Insurance in Germany

In Germany, student health insurance is a fundamental aspect of academic life, but not all students are required to enroll. Certain exemptions can significantly impact students’ financial planning and overall experience. International students who are covered by a valid health insurance plan from their home country may be exempt, provided they can demonstrate that their coverage meets German standards. This can often lead to substantial savings and allow students to allocate funds toward other essential aspects of their studies, such as housing or travel.

Conclusion

To summarize, health insurance is not just a legal requirement for international students in Germany; it is also a safeguard for your health and well-being during your studies. The variety of plans available can cater to diverse needs. Understanding the nuances of both public and private insurance can greatly enhance your experience in Germany, allowing you to access quality healthcare without hassle. As you embark on this exciting journey, make sure to prioritize your health by selecting the right insurance coverage.

FAQ

Do I need health insurance as an international student in Germany?  

  Yes, health insurance is mandatory for all international students in Germany to cover medical expenses during their stay.

How do I apply for health insurance in Germany?  

  You can apply for health insurance online through various providers or in person at their offices. You’ll need to provide your student enrollment certificate and identification documents.

Can I use my home country’s health insurance in Germany?  

  Some home country health insurances may offer coverage abroad, but they typically don’t meet the requirements set by German authorities. It’s best to check with your provider.

What does health insurance cover for international students?  

  Health insurance generally covers medical treatments, hospital visits, prescriptions, and preventive care. Coverage specifics can vary by provider and plan.

How much does health insurance cost for international students in Germany?

   Costs can vary based on the type of insurance chosen. Public health insurance typically ranges from €100-€120 per month, while private plans may vary widely based on coverage.

What should I do if I need medical care in Germany?  

  If you need medical care, you can visit a general practitioner or specialist. Be sure to bring your health insurance card and any necessary identification.

Can I cancel my health insurance if I leave Germany before my studies end?  

  Yes, you can cancel your health insurance if you leave Germany. Be sure to inform your provider in advance and check their cancellation policy for any requirements.