The importance of student medical health insurance in Germany is twofold.
It not only ensures you in situations requiring medical help, however it is also a necessary requirement to be able to be granted a study visa for Germany.
The regulation in Germany requires everyone to have medical health insurance, including international college students.
While college students enrolled in degree programmes are eligible to take public medical health insurance;
college students in preparatory or language courses are required to get private health insurance plans.
Also college students over the age of 30
On this guide, we’ll show you precisely what you’ll want to know about student health insurance in Germany.
Health Insurance for Foreign College students in Germany
If you’re a student under the age of 30 enrolled in a degree programme at a German college, you’ll be able to choose to register with a public medical health insurance provider.
So you’ll be able to benefit from the statutory health insurance scheme.
College students over 30 years old, language and preparatory course students, PhD students, and visitor scientists, however, only have the opportunity of getting private health insurance.
International college students who come from countries within the EU;
Bosnia-Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia and Turkey;
usually are not required to get further health insurance as a result of their public insurance plans from their home nations are valid in Germany.
Moreover, they need to make sure to check with their medical health insurance provider in order to discover the services they are going to be entitled to as soon as they arrive in Germany.
Since there’s a risk that the medical health insurance company from their dwelling country won’t cover all prices in Germany.
Nevertheless, if an EU/EEA scholar is doing a scholar job or paid internship in Germany, they need to be insured with a German public health insurance supplier.
The next classes should not eligible for the public German medical health insurance scheme:
- College students who have health insurance of their home country and it’s acknowledged in Germany.
- College students who’re 30+ years of age.
- College students who’re working as freelancers or are self-employed.
- College students who aren’t enrolled in diploma programmes in Germany (e.g: preparatory or language programs).
- Post-graduate college students and scholarship holders (and not using a contract of employment).
- Guest Scientists and Researchers.
What do you have to do if you belong to one of the categories above?
Your only choice is to get private medical health insurance with one of many private Germany student medical health insurance providers.
The medical health insurance plan EDUCARE24 by a well known German medical health insurance company DR-WALTER is a perfect selection for all foreign students.
The advantages you get with EDUCARE24:
- It meets all German study visa necessities
- Acceptable by all German Embassies/Consulates
- Independent of student status
- Health insurance with out deductible
- Easy to buy/get the coverage online and obtain your insurance certificates in addition to all the other documents you need for embassies and authorities within minutes.
EDUCARE24 might be bought in different combinations that are precisely tailored to the needs of:
- Language college students
- Foreign college students
- Visitor scientists and PhDs
- Accompanying family members
Understand that health insurance is an official requirement to get a German student visa, in addition to to enrol at a German university.
How much does student medical health insurance in Germany cost?
Medical health insurance for international college students costs from €103.94 – €111.75 per month with a public medical health insurance supplier.
It covers basic healthcare in addition to long-term care insurance.
Public medical health insurance contributions for 2019/20 are as follows:
- TK – Techniker Krankenkasse 105,80 € (€103.94 per month for students up to 22)
- AOK Baden Württemberg 107,29 €
- Barmer 108,77 €
- KKH – Kaufmännische Krankenkasse 111,75 €
Private medical health insurance in Germany costs begins at round €33 per month, and enhance depending on what extra services you go for and whether your stay will be to be 18 months or longer.
Tips on how to get statutory medical health insurance in Germany as a foreign student?
Techniker Krankenkasse (TK) is among the most popular public well being insurers in Germany, providing low-cost prices and an impressive service.
It’s most popular with college students, whether they’re domestic or international.
One of many services TK offers can be an online 24/7 service in English for all those that don’t speak the German language.
How can I conclude TK student medical health insurance online?
You do not need to find out yourself whether you’ll be able to take out TK student insurance in order to insure yourself in your stay in Germany.
As a result of, DR-WALTER in cooperation with TK has developed an on-line consulting tool which won’t only help you determine your insurance needs however;
additionally will allow you to directly apply for insurance coverage.
In case you want private health insurance along with statutory health insurance;
e.g. in case you arrive a few days before the start of your studies, the device developed by DR-WALTER and TK will find out the best insurance combination, too.
What does health insurance for international college students cover?
As talked about, degree students as much as the age of 29 can get public health insurance such as the statutory medical health insurance fund Techniker Krankenkasse.
This medical health insurance supplier pays in your health-related issues the likes of prices for visits to;
medical doctors, treatment, medicine, screening examinations, rehabilitation, and basic dentist treatments with the TK dental partners.
For instance, if you want dentures, TK only pays part of the whole sum (after you’ve submitted an application to TK).
Alternatively, the GERMAN STUDENT INSURANCE by DR-WALTER is a custom-made insurance plan for international college students in Germany.
It’s basically an affordable, combined insurance providing each public and private health insurance services.
Other than offering both statutory and personal insurance services, there are additionally other advantages to the German Student Insurance.
Since proof of German medical health insurance is required in your student visa application, this insurance coverage solution is acknowledged by all official bodies;
which suggests you’re going to get an immediate confirmation document that you need to use as proof of your health insurance.