German Health Insurance for International Students

Health insurance is mandatory for international students in Germany. You will need to have health insurance coverage to enroll in a German university and obtain a student visa. There are two main types of health insurance options for international students in Germany:

Statutory Health Insurance (Gesetzliche Krankenversicherung - GKV): If you are under 30 years old, you can typically apply for statutory health insurance in Germany. This is often more affordable than private health insurance. The cost is usually around 80-100 euros per month, with both you and your university sharing the cost.

Private Health Insurance (Private Krankenversicherung - PKV): If you are over 30 years old, a Ph.D. student, or have a monthly income above a certain threshold, you may not be eligible for statutory health insurance and will have to go for private health insurance. The cost can vary widely depending on your age, health, and the coverage you choose.

Here's a step-by-step guide on how to obtain health insurance as an international student in Germany:

• Register with a German University: Before you can apply for health insurance, you need to be admitted to a German university and register for your program.
• Choose an Insurance Provider: You can either choose a statutory health insurance provider or a private health insurance provider. Research and compare different insurance companies to find the one that suits your needs and budget.
• Apply for Health Insurance: Complete the application forms provided by the insurance company of your choice. You will need to provide proof of enrollment at a German university and your passport or visa.

• Pay Premiums: Pay your monthly insurance premiums. The cost may vary depending on your age, coverage, and the insurance provider you choose.
• Receive Health Insurance Certificate (Versicherungsbescheinigung): Once you have enrolled in the health insurance plan and paid your premiums, you will receive a health insurance certificate. This certificate is important for visa and residence permit applications.
• Visit a Doctor: With your health insurance in place, you can now access healthcare services in Germany. You will typically need to pay a small co-payment for doctor visits and prescription medications.
• Renew or Cancel Your Insurance: If your program lasts longer than one year, you will need to renew your health insurance annually. If you leave Germany or finish your studies, remember to cancel your insurance to avoid unnecessary costs.

How to choose a health insurance plan

When choosing a health insurance plan, there are a few things you should keep in mind:

• Coverage: What services are covered by the plan? Make sure that the plan covers all of the services that you are likely to need, such as doctor's visits, hospital stays, prescription drugs, and dental care.
• Deductibles: What is the deductible for the plan? This is the amount of money that you will have to pay out of pocket before your insurance starts to pay for your medical expenses.
• Copayments: What are the copays for the plan? These are the fixed amounts of money that you will have to pay for certain services, such as doctor's visits and prescription drugs.
• Premium: How much is the monthly premium for the plan? Make sure that you can afford the premium, especially if you are on a budget.

Popular health insurance providers for international students in Germany

Some of the most popular health insurance providers for international students in Germany include:

• Techniker Krankenkasse (TK)
• AOK
• Barmer
• DAK-Gesundheit
• hkk health insurance

Conclusion

Health insurance is an important consideration for all international students in Germany. By understanding the different types of health insurance available and the factors to consider when choosing a plan, you can make sure that you choose a plan that meets your specific needs and budget.

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