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Health Insurance for International Students in Germany

Health Insurance for International Students in Germany

Health insurance is mandatory for international students studying in Germany. It’s important to address this issue early as enrollment in German higher education institutions requires insurance. Student health insurance in Germany is essential for obtaining a study visa and receiving necessary medical attention. By law, all individuals in Germany, including foreign students, must have health insurance. Degree-seeking students can opt for public health insurance, while preparatory or language program students and those over 30 must get private insurance. This blog post provides comprehensive information on eligibility, visa requirements, costs, and tips for choosing affordable and comprehensive health insurance for international students.

Certain countries, including EU members, Bosnia-Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia, and Turkey, are exempt from additional health insurance in Germany. This exemption is due to the validity of their home country’s public insurance plans.

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How much does student health insurance in Germany cost?

Students under the age of 30 are exempt from paying the 7.3% social security contribution toward healthcare insurance; instead, they pay a set (discounted) monthly amount for long-term care, which includes both basic healthcare insurance and nursing care insurance, of €117.50 (students under the age of 23) or €120.34 (students between the ages of 23 and 30). Typically, this sum is lower than the price of regular payments determined by earnings.

Many people who decide to relocate to Germany to further their studies are concerned about the cost of public health insurance for students while they are studying there. The good news for international students is that both foreign students and native German students are eligible for the discounted fee of €117.50 (students under the age of 23) or €120.34 (students between the ages of 23 and 30).

Which health insurance should international students choose?

All students, both domestic and foreign, must have health insurance before beginning their degree program. The issuance of a student visa to international students is contingent upon providing evidence of either public or private insurance, or insurance from their home country. Foreign nationals must ensure they are fully covered before they commence their studies to obtain a student visa.

Over-30 students have the right to select between public and private healthcare. People looking for private healthcare must decide whether they would be better off signing up for the public system. Whether or not they are working while they are studying will typically determine this.

How to get student health insurance in Germany?

One of Germany’s most well-known public health insurers, Techniker Krankenkasse (TK), provides excellent service at affordable pricing. Students, both native and foreign, tend to like it the most. For people who do not speak German, TK offers a 24/7 online service in English as one of its services.
How can I determine online TK student health insurance?
To protect yourself for your time in Germany, you do not need to independently determine whether you are eligible for TK student insurance.

Who are NOT eligible for the Public Health Insurance in Germany?

The following categories are not eligible for the public German health insurance scheme:

    • Students who have health insurance in their home country and it is recognized in Germany.
    • Students who are 30+ years of age.
    • Students who are working as freelancers or are self-employed.
    • Students who are not enrolled in degree programs in Germany (e.g.: preparatory or language courses).
    • Post-graduate students and scholarship holders (without a contract of employment).
    • Guest Scientists and Researchers.

Putting your health and well-being first while studying abroad in Germany is essential, and having the right health insurance is a key component of this. Knowing your alternatives, including both public and commercial health insurance, will enable you to make an informed choice that fits your requirements and financial constraints. Make sure the chosen plan satisfies the criteria for visa applications and offers comprehensive coverage throughout your stay by doing your research and comparing various suppliers. You can put your attention on your studies and take pleasure in your stay in Germany with confidence by investing in the best health insurance.

Read more at How To Abroad:

‘Chancenkarte’ or Opportunity Card in Germany

Five Insurance Policies that you can avail while living in Germany

Want to study in Germany? How To Abroad can help you achieve your academic dreams.

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