Health & Insurance

Health Insurance for International Students in Germany

Health Insurance for International Students in Germany. It not only protects you in medical emergencies but is also a prerequisite for obtaining a study visa in Germany. Everyone in Germany, including overseas students, is required by law to obtain health insurance. While students engaged in degree programs are entitled to public health insurance, students enrolled in preparatory or language courses and those over the age of 30 must purchase private health insurance.


Students over the age of 30, students enrolled in language and preparation courses, Ph.D. students, and visiting scientists, on the other hand, can only obtain private health insurance.

International students from the EU, Bosnia, Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia, and Turkey are not required to purchase additional health insurance because their home countries. Additionally, they should check with their health insurance provider to see what services they will be entitled to after they arrive in Germany, as it is possible that their home country’s health insurance company will not cover all expenditures in Germany. Moods of Norway

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If an EU/EEA student is conducting a paid internship or student employment in Germany, they must be covered by a German public health insurance provider. Dale of Norway

The German public health insurance system does not cover the following groups:

  • Students with valid health insurance in their home country wish to study in Germany.
  • Students in their 30s and beyond.
  • Students who are not enrolled in German degree programs (e.g., preparatory or language courses).
  • Scholarship recipients and post-graduate students (without a contract of employment).
  • What should you do if you fit into one of the abovementioned categories?

Your only choice is to purchase private health insurance from a German student health insurance company. All international students might consider the EDUCARE24 health insurance plan offered by DR-WALTER, a well-known German health insurance firm. Time in Norway

EDUCARE24 provides the following advantages:
  • It satisfies all conditions for a German study visa.
  • All German embassies and consulates accept it.
  • Deductible-free health insurance

EDUCARE24 is available in a variety of combinations that are specifically customized to the needs of:

  • Students of languages
  • International students
  • PhDs and visiting scientists
  • Interns/Trainees
  • Family members who are accompanying you
  • Remember that health insurance is a legal necessity for obtaining a German student visa and enrolling in a German university.
In Germany, how much does student health insurance cost?

With a public health insurance provider, international students can get health insurance for €103.94 – €111.75 per month, which covers primary and long-term care insurance.

The following are the public health insurance contributions for 2019/20:

  • TK is an abbreviation for Techniker Krankenkasse. 105,80 € per month (€103.94 per month for students under 22)
  • 107,29 Euros AOK Baden-Württemberg
  • 108,77 Euros Barmer
  • Kaufmännische Krankenkasse (KKH) € 111,75

In Germany, private health insurance starts at roughly €33 per month and rises to depend on the extra services you choose and if you plan to stay for 18 months or longer.

As an international student in Germany, how can you receive statutory health insurance?

Krankenkasse für Techniker (TK)

Techniker Krankenkasse (TK) is one of Germany’s most popular public health insurers, with reasonable rates and excellent service. It is very popular with students, both domestic and international.

Health Insurance for International Students in Germany

How do I finish my TK student health insurance application online?

You don’t have to figure out if or not you can get TK student insurance to cover your time in Germany on your own. Because in collaboration with TK, DR-WALTER has developed an online consulting tool that will assist you in identifying your insurance needs and allow you to apply for insurance directly. Suppose you require private health insurance and statutory health insurance, for example.

What does foreign student health insurance cover?

As previously stated, degree students up to 29 are eligible for public health insurance through the Techniker Krankenkasse, a statutory health insurance fund.

DR-WALTER’S GERMAN STUDENT INSURANCE, on the other hand, is a specialized insurance plan for international students studying in Germany. It is a cost-effective combination of insurance that provides public and private health coverage. The German Student Insurance has several benefits besides providing both statutory and private insurance services. Because proof of German health insurance is essential for your student visa application, all official bodies accept this insurance solution. You will receive an instant confirmation certificate to use as proof of your health insurance. The straightforward insurance for international students in Germany

In Germany, students enrolled in preparatory courses are covered by health insurance.

Everyone in Germany is legally required to obtain health insurance, and even students enrolled in preparatory courses. However, because these students have not yet begun their degree program, they will be unable to register with a public health insurance provider for overseas students. They will be forced to purchase a private health insurance plan. Health Insurance for International Students in Germany

These students must pass a test known as the Feststellungsprüfung before the end of their preparatory course to enroll in their degree program. They will be able to enroll with statutory health insurance carriers. However, until that time, students enrolled in preparatory courses must have health insurance, which must be obtained from a private health insurance provider in Germany, such as EDUCARE24 by DR-WALTER.

In Germany, students enrolled in language courses are covered by health insurance.

In Germany, students engaged in language classes must have student health insurance. Instead, students should enroll in a private health insurance plan, and they can only enroll in a public plan if they have completed a degree program or found a job. Norway design

Before signing a contract, it is always vital to be aware of the services that private health insurances provide. EDUCARE24 by DR-WALTER is a low-cost private health insurance company that provides some of the most outstanding services available, ensuring that all of your health-related needs are addressed.

Health Insurance for German Exchange Students

As an exchange student in Germany, obtaining health insurance is relatively simple. Exchange students are usually only in Germany for a few months, usually a semester. These students may be able to use their European Health Insurance Card to cover healthcare costs. ford club Norway

In Germany, Ph.D. students are covered by health insurance.

Ph.D. students in Germany are frequently over the age of 30. Hence they are not covered by the government’s health insurance plan. The type of health insurance that Ph.D. students are qualified for is determined by whether or not their university employs them. Ph.D. students can be classified into two groups:

  • Ph.D. students who are also university employees.
  • Ph.D. students who are not on the university’s payroll.
Ph.D. students who are also university employees

Suppose a Ph.D. student works as a lecturer or research assistant at their institution. In that case, they will be obliged to pay a 7.3 percent contribution, which another 7.3 percent from their employer will match.

Furthermore, Ph.D. students employed by the institution are not required to pay for their health insurance because the university typically covers it. Because their salary is unlikely to exceed the barrier that allows them to register with private insurers, they are covered as employees in public insurance plans.

Ph.D. students who are not on the university’s payroll

Ph.D. students who are not university employees and are under the age of 30 are eligible to enroll in a subsidized public health insurance plan. However, those above the age of 30 should seek out private health insurance carriers.

However, if they work part-time in any institution, they can register with the conventional public healthcare system through their employer. If these students stay in Germany for a semester or less, they can use their European Health Insurance Card as travel health insurance.

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