Header Icons 19 - Students

Health Insurance for Students

Private and public health insurance plans for students in Germany.

Students in Germany can take out private health insurance only in exceptional cases.

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PUBLIC HEALTH INSURANCE

By law, all students enrolled at German state universities, state colleges and universities of applied sciences as well as those who are completing practical training (as stipulated in the study regulations for a degree course) are subject to compulsory public health insurance. With no proof of health insurance, enrollment is not possible.

As a foreign student in Germany, you must insure yourself with a statutory health insurance if you are under the age of 30 (until you reach your 30th birthday or until your 14th term of study). After that, you can still choose the public health insurance but on a voluntary basis.

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Become a member of TK

Welcome to TK - the largest health insurance fund in Germany.

Fill in the online application in English and become a member of TK, named Germany’s best health insurance fund in 2020.

TK Beste Krankenkasse - Students
TK insurance card - Students
TK Beste Kasse Studierende - Students

PRIVATE HEALTH INSURANCE

Pupils, language students, students enrolled in preparatory (language) courses for university, trainees (not for university purposes), scholarship holders & doctoral candidates are mainly entitled to take out private health insurance.

Foreign students enrolled at German state universities, state colleges and universities of applied sciences who are privately insured (for whatever reason) but have not yet reached the age of 30 will require a waiver from the public health insurance. Afterwards, taking out insurance with a statutory health insurance fund will no longer be possible.

What Who When Where How 400x400 3 - Students
What Who When Where How 400x400 3 - Students

PRIVATE HEALTH INSURANCE

Pupils, language students, students enrolled in preparatory (language) courses for university, trainees (not for university purposes), scholarship holders & doctoral candidates are mainly entitled to take out private health insurance.

Foreign students enrolled at German state universities, state colleges and universities of applied sciences who are privately insured (for whatever reason) but have not yet reached the age of 30 will require a waiver from the public health insurance. Afterwards, taking out insurance with a statutory health insurance fund will no longer be possible.

Expat health insurance starting at €72 a month

University students who are over the age of 30, language students, scholarship holders and doctoral candidates are NOT allowed to sign up for Public Health Insurance.

Instead, those students should sign up for Expat Health Insurance. After they finish their studies and find a job, they can easily switch to Public Health Insurance.

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THE ANMELDUNG

In Germany, you do not automatically get an insurance card when you start studying. You must first register with a Krankenkasse (German health insurance fund). As a student, you must inform your university which health insurance company you have chosen.

If you don’t have a German address yet, you cannot become a member of a public health insurance company. By law, you first need to do your ‘Anmeldung’. Once your residence is registered, you can take out public health insurance.

Fill In Your Anmeldung Form

Sign up now and complete your registration form to get settled in Germany.

EUROPEAN HEALTH INSURANCE CARD (EHIC)

If you come from EU/EEA countries, are under the age of 30 (until you reach your 30th birthday or until the 14th semester) and are in possession of the EHIC, you can be exempt from taking out a health insurance in Germany, but you’ll need to provide a proof of health insurance from your country of origin. You need to get information from your insurance provider in your country of origin for all terms & conditions.

You will have to use your EHIC to register with a statutory health insurance fund in Germany. The insurer will then provide a confirmation for the enrollment at the university.

What Who When Where How 400x400 1 - Students
What Who When Where How 400x400 1 - Students

EUROPEAN HEALTH INSURANCE CARD (EHIC)

If you come from EU/EEA countries, are under the age of 30 (until you reach your 30th birthday or until the 14th semester) and are in possession of the EHIC, you can be exempt from taking out a health insurance in Germany, but you’ll need to provide a proof of health insurance from your country of origin. You need to get information from your insurance provider in your country of origin for all terms & conditions.

You will have to use your EHIC to register with a statutory health insurance fund in Germany. The insurer will then provide a confirmation for the enrollment at the university.

EU nationals:

Doctoral students (PhD) financed through a scholarship can take out public or private health insurance.

If you have a valid health insurance coverage from an EU
country, you are exempt from closing a health insurance contract in Germany.

You have to present your national insurance card to one of the public health insurance
funds (i.e. TK) to obtain a certificate proving that coverage is provided from another
EU country.

Become a member of TK

Welcome to TK – the largest health insurance fund in Germany.

Fill in the online application in English and become a member of TK, named Germany’s best health insurance fund in 2020.

Expat health insurance starting at €72 a month

University students who are over the age of 30, language students, scholarship holders and doctoral candidates are NOT allowed to sign up for Public Health Insurance.

Instead, those students should sign up for Expat Health Insurance. After they finish their studies and find a job, they can easily switch to Public Health Insurance.