The importance of student health insurance in Germany is twofold. It not only ensures you in situations requiring medical assistance, but it is also an essential requirement in order to be granted a study visa for Germany.
The law in Germany requires everyone to have health insurance, including international students.
While students enrolled in degree programmes are eligible to take public health insurance, students in preparatory or language courses and students over the age of 30 are required to get private health insurance plans.
In this guide, we will show you exactly what you need to know about student health insurance in Germany, your eligibility, requirements for your student visa, costs, and how to pick a health insurance plan that is both affordable and covers everything you need as an international student.
Table of contents:
- Health Insurance for Foreign Students in Germany
- Health Insurance for Preparatory Course Students in Germany
- Health Insurance for Language Students in Germany
- Health Insurance for Exchange Students in Germany
- Health Insurance for PhD Students in Germany
Health Insurance for Foreign Students in Germany
If you are a student under the age of 30 enrolled in a degree programme at a German university, you can choose to register with a public health insurance provider so you can benefit from the statutory health insurance scheme.
Students over 30 years old, language and preparatory course students, PhD students, and guest scientists, however, only have the possibility of getting private health insurance.
International students who come from countries in the EU, Bosnia-Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia and Turkey, are not required to get additional health insurance because their public insurance plans from their home countries are valid in Germany. Additionally, they should make sure to check with their health insurance provider in order to find the services they will be entitled to once they arrive in Germany since there is a possibility that the health insurance company from their home country will not cover all costs in Germany.
However, if an EU/EEA student is doing a student job or paid internship in Germany, they have to be insured with a German public health insurance provider.
The following categories are not eligible for the public German health insurance scheme:
- Students who have health insurance in their home country and it is recognized in Germany.
- Students who are 30+ years of age.
- Students who are working as freelancers or are self-employed.
- Students who are not enrolled in degree programmes in Germany (e.g: preparatory or language courses).
- Post-graduate students and scholarship holders (without a contract of employment).
- Guest Scientists and Researchers.
What should you do if you belong to one of the categories above?
Your only option is to get private health insurance with one of the private Germany student health insurance providers. The health insurance plan EDUCARE24 by a well known German health insurance company DR-WALTER is a perfect choice for all foreign students.
The benefits you get with EDUCARE24:
- It meets all German study visa requirements
- Acceptable by all German Embassies/Consulates
- Independent of student status
- Health insurance without deductible
- Easy to purchase/get the policy online and receive your insurance certificate as well as all the other documents you need for embassies and authorities within minutes.
EDUCARE24 can be purchased in different combinations which are exactly tailored to the needs of:
- Language students
- Foreign students
- Guest scientists and PhDs
- Accompanying family members
Keep in mind that health insurance is an official requirement to get a German student visa, as well as to enrol at a German university.