Insurance requirements for studying in Germany as an international student or PHD Candidate
Insurance information for Germany
If you are going to study and live in Germany, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much
It is mandatory to have health insurance in Germany. International students must present proof that they have health insurance when they enrol
Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance . EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.
Students from outside the EU/EEA: Private health insurance from other countries is sometimes also recognised. In that case however you cannot switch to a statutory health insurance provider during your degree programme in Germany. If you are not insured with a health insurance provider that is recognised in Germany, you will have to take out insurance here. The statutory health insurance providers in Germany are obligated to offer an affordable tariff for students up to 29 years of age or until the end of their 14th subject-related semester
To enrol at a higher education institution, both people with statutory health insurance and people with private health insurance will need a certificate. This document proving that you are not required to take out German statutory health insurance is issued by the statutory health insurance providers in Germany
In general the exemption applies for private, not state-approved university, preparatory German language course, auditor, doctoral student, language student, trainee, and Working Holiday visa Or for those registered at a state-approved university, but either are over 30 years old or have already completed at least 14 semester
The Basic coverage is always the same: your health insurance covers the cost of check-ups, treatment for illness or after an accident, and certain medications. General costs for hospital stays are also covered.
Important note:If you plan on doing an internship, having a student work contract or a job as a student assistant or a minor employment while studying in Germany, you need to have German health insurance.
Is this enough?
It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local health system will probably not cover:
- Additional medical costs
- Home contents and baggage
- Legal aid
- Worldwide cover
You will need an insurance policy also covering, but also arranging for you, for example:
- You returning home if a close relative is seriously ill or dies;
- Up to two close relatives visiting you in if you fall seriously ill;
- Your medical repatriation to your home country for hospitalization or rehabilitation treatment;
- or in the worst possible situation, returning a body home for burial.
Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.
About GermanyGermany is a very attractive destination for people from all over the world. Excellent academic standards, a thriving economy, and major developments in engineering are only some of the reasons why German universities should be on your study-abroad list.
Internationals are treated as equals and benefit from fair social policies. Another amazing advantage is that almost all public universities charge no tuition fees to all international students. You’ll also have the opportunity to learn German, an important skill that can help you land jobs in Germany as well as Austria, Belgium, Liechtenstein, or at many international corporations all over the world.
Get custom advice for your situation from our partner, Aon. Click the button below and enter the wizard Aon created. It provides information on prices based on your country of origin, destination, and current insurance status. All this without any obligations on your part!