Insurance requirements for studying in Germany as a partner or child of an international student or teacher

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

EU citizens should be in possession of a European Health Insurance Card (EHIC) when going to Germany. 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 or the United Kingdom under the same conditions and at the same cost (free in some countries) as people insured in that country. Your EHIC can be issued by your national health insurance provider.

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. Your insurance provider abroad will inform you.

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.

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.

It is important to understand that the EHIC (European Health Insurance Card) is not always enough and that local mandatory health insurance will probably not cover:

  • Additional medical costs
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid

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 Germany

Germany 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.

Germany