Health Insurance for International Students in Germany
Health insurance is a mandatory requirement for international students pursuing their education in Germany. It is crucial to address this matter early on, as enrollment in German universities necessitates having proper insurance coverage. This insurance is not only necessary for obtaining a study visa but also for accessing essential healthcare services. According to German law, everyone residing in the country, including foreign students, must possess valid health insurance. While degree-seeking students have the option to choose public health insurance, preparatory or language program students and those over the age of 30 are required to opt for private insurance. This article aims to provide comprehensive information on eligibility, visa prerequisites, costs, and guidance for selecting affordable and comprehensive health insurance for international students.
It’s worth noting that some countries, such as EU member states, Bosnia-Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia, and Turkey, are exempt from the need for additional health insurance in Germany due to the validity of their home country’s public insurance plans.
Cost of Student Health Insurance in Germany:
For students under the age of 30, there is an exemption from the 7.3% social security contribution towards healthcare insurance. Instead, they pay a reduced monthly fee for long-term care, which covers basic healthcare and nursing care insurance. This fee amounts to €117.50 for students under 23 and €120.34 for those between 23 and 30. Typically, this fee is lower than the regular payments based on income. This favourable fee structure applies to both foreign and native German students.
Right Health Insurance for International Students :
All students, whether domestic or international, must secure health insurance before commencing their degree programs. International students need to provide proof of either public or private insurance or insurance from their home country to obtain a student visa. Students over the age of 30 have the option to select between public and private healthcare, with their employment status during studies often influencing this decision.
Getting Student Health Insurance in Germany:
Techniker Krankenkasse (TK), one of Germany’s well-known public health insurers, offers excellent service at affordable rates and is popular among both native and foreign students. For those who do not speak German, TK provides a 24/7 online service in English for convenience.
Eligibility of International Students for Public Health Insurance:
Certain categories of students are not eligible for the public German health insurance scheme, such as
- Students with recognized health insurance from their home country.
- Students aged 30 and above.
- Students who are freelancers or are self-employed.
- Students not enrolled in degree programs (e.g., preparatory or language courses).
- Post-graduate students and scholarship holders without an employment contract.
- As well as guest scientists and researchers.
Prioritizing your health and well-being during your studies in Germany is paramount, and having the appropriate health insurance is a vital aspect of this. Understanding your options, which encompass both public and private health insurance, allows you to make an informed choice that aligns with your needs and financial constraints. Ensure that your chosen insurance plan meets the visa application requirements and offers comprehensive coverage throughout your stay by conducting research and comparing various providers. By investing in the right health insurance, you can focus on your studies and enjoy your time in Germany with confidence.
Read more at Study Abroad in Germany:
Five Insurance Policies for German Residents