To prevent that you must pay the costs of medical care or medications privately in case of illness or an accident, in Germany it is mandatory to have health insurance – especially for international students who are otherwise not allowed to enrol at a university. The health insurance system in Germany is one of the most effective worldwide. The system is based on two types of health insurances – the statutory (or governmental) health insurance and private health insurance. Whereas the governmental health insurance is accessible for everyone, certain conditions apply for private health insurance. Since citizens from outside of the EU member states are not able to remain insured in their home country’s health insurance, they need to cover themselves with German health insurance.
In general, the governmental health insurance contribution is based on the income of the policy holder. However, for (international) students, all statutory health insurance providers in Germany must offer an affordable tariff for students up to 30 years of age or until the end of their 14th semester of studies. The governmental insurance contribution for international students is the same for all health insurance companies. On top of that, there is an individual additional contribution to the respective health insurance company. Since the normal tariff of governmental health insurance providers is significantly higher than the student tariff, it may, therefore, be a better solution for someone who is older than 30 years or has already completed the 14th subject-related-semester to take out private health insurance.
In general, there is a certain group of people who are often privately insured. Employees whose gross income is above the income threshold for compulsory insurance, public servants, self-employed persons and freelancers. In contrast to the governmental health insurance, the contributions are not calculated by the income but depending on the state of health, age and scope of benefits. Therefore, you will have to give detailed information on your state of health so that the company can individually adapt the insurance coverage and the tariff. For international guests in Germany, the private health insurance companies often offer special rates which are adapted to the needs and length of the stay. However, as soon as you apply for private health insurance you will still need an exemption from the obligatory statutory health insurance when enrolling at university. After exemption, you will not be able to switch back to statutory health insurance. It is important to notice that all treatment costs must be paid in advance by the policy holder. Afterwards, the private health insurance company will reimburse the costs upon submission of an invoice (cost reimbursement principle). The insurance cover expires as soon as the policy holder returns to his or her home country.
According to German law § 5 paragraph 1 Nr. 9 Sentence 1 SGB V, all students are required to obtain health insurance with a statutory health insurance company. Consequently, you can only enrol when you have valid health insurance. An incoming/travel insurance cannot be accepted for the enrolment. In case you can provide equivalent health insurance in all aspects of coverage from your home country that is valid here in Germany, you would still need to exempt from the statutory health insurance before your enrolment at a German university. Please be aware that an exemption from statutory health insurance in Germany will be a final decision that cannot be reversed for the whole duration of your stay.
Students who are attending a preparatory language course or for example a “Studienkolleg” also need health insurance. Since in their case, they are not yet enrolled in university and therefore not eligible for the statutory health insurance, private health insurance needs to be taken out. Attention: International students who are privately insured in Germany but who are not yet 30 years old or have not yet completed their 14th subject-related-semester often need a certificate of exemption from the statutory health insurance for enrolment in case they want to stay privately insured. A change to statutory health insurance within the study stay is no longer possible after that.
Besides the governmental (statutory) and private health insurance, Travel Insurance is a type of health insurance for incoming guests (students and many others) for their visit to Germany. Travel Insurance is important if you arrive in Germany prior to your actual enrolment date. This is because your statutory health insurance only protects you in case of illness from the date of your enrolment onwards. Meaning you will not be insured for the days or weeks in between your arrival date and the actual start of studies. Travel Insurance is a cheap and effective way to protect you against that risk.
Why take out health insurance coverage for your stay in Germany? As a student in Germany, you need good health insurance coverage. This also applies to doctoral students, preparatory college students and participants in pre-university language courses. It is always possible that you become ill or that you have an accident, which can be very expensive. With Care Student coverage you are optimally insured against medical expenses. Care Student is private, comprehensive health insurance.
If you would like to enroll as a student at a German university or college, you have to provide proof that you have adequate health insurance coverage. Care Student health insurance was developed precisely for this purpose: It offers all the advantages of private health insurance for students at German universities/colleges – and all this at a lower premium than one would pay for public student health insurance. The best thing about Care Student: For univeristy students, school students or interns, our health insurance even offers coverage when visiting your home country or when traveling – unlimited coverage in other European countries and up to four weeks per policy year outside Europe.
Prospective students who are taking part in pre-university language courses, doing an internship or attending a preparatory college in preparation for their studies as well as boarding school students and doctoral students can take out comprehensive health insurance coverage with Care Student.
Product description Care Student plan
The following benefits are provided:
The plan provides for a general deductible of 300 euro per calendar year. If the coverage does not begin on January 1 of a calendar year, the deductible will be reduced by 1/12 for each uninsured month. Please refer to the General Terms and Conditions of Insurance as well as the conditions for your specific rate for the exact scope of benefits.