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Private Health Insurance for International Students in Germany
Introduction
Health insurance is one of the key aspects that international students in Germany must take into consideration. Students over the age of 30 who are no longer entitled to statutory (public) health insurance are required to register with a private health insurance provider. Learn about the importance of private health insurance for international students in Germany, including who needs it, what types of coverage are available, and how much it costs. You will also find tips on choosing suitable insurance and information on the requirements set by German universities for enrolment.
Who needs private health insurance for students?
International students in the following categories are required to obtain private health insurance:
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Students who are older than 30 years.
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Students enrolled in preparatory courses or language courses.
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Visiting scholars or PhD students.
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Interns or accompanying family members.
What does student health insurance in Germany cover?
Student health insurance in Germany (whether statutory or private) typically covers a wide range of medical services, including:
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Inpatient treatment in hospital.
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Doctor’s visits.
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Prescription medication.
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Hearing aids and wheelchairs.
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Cancer screening.
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Dental check-ups.
The difference between travel insurance and student health insurance
International students in Germany generally need two types of insurance:
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Travel health insurance for students: Covers the period from the time you leave your home country until the start of the academic semester in Germany.
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Student health insurance: Covers the entire duration of your studies in Germany.
Costs of health insurance for international students
The costs of health insurance for students in Germany usually fall within the following ranges:
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Statutory (public) health insurance: around 110 euros per month.
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Private health insurance: starts at about 33 euros per month and can go up to 130 euros, depending on your age and the level of coverage selected.
How to choose the right health insurance
When selecting health insurance, you should consider the following points:
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Policy coverage: What is included and what is excluded?
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Premium costs: Compare prices and benefits between different providers.
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Company reputation: Read customer reviews and experiences.
Tips for new students
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Check the health insurance requirements for enrolment at your university.
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Keep copies of all documents related to your health insurance.
Disclaimer
The team of writers and editors on our website strives to provide accurate information based on thorough research and consultation of multiple sources. However, errors may still occur, or certain details may not be fully confirmed. Therefore, the information provided in our articles should be regarded as an initial point of reference only. For definitive and reliable information, please always consult the relevant authorities or qualified professionals.
