One app, countless possibilities, just one tap away. Good to know: You have already booked an appointment with us. We have even come up with some special advantages for children and teenagers! How much is public health insurance for international students in Germany? How to apply for health insurance as an international student in Germany? On the other hand, whether you choose public or private health insurance is upon your decision and it depends entirely on your earnings. But students in Germany are also assigned to another type of insurance, the long-term care insurance. Check out our private health insurance tariffs. If you fall into this category, you will be entitled to more medical treatment. Accompanying spouses and children can also be insured, but if it is already certain before the studies that your spouse or . That begs the question, which is the best German health insurance for foreigners? The figures are per-capita expenditure, i.e. How to get proof of student health insurance in Germany? Heres what you need to know if you fall into this category: If you fall in this category, you will only be entitled to medical and dental treatment required for acute illness or pain. Foreign scientists supported by the DAAD (study visits, re-invitations) will be insured as part of the funding (see Letter of Award). As a BAfG recipient, you receive a subsidy of 84 euros for health insurance and 25 euros for long-term care insurance. The fire insurance bears all these financial burdens, including the costs for non-residence, the fire service costs or the damages caused by the firefighting water. This insurance policy covers personal and property damages which arise from an accident caused by the motorist. To enrol at a higher education institution, both people with statutory health insurance and people with private health insurance will need a certificate. This made the Krankenassens able to cover citizens medical needs. If youre holding a public health insurance you will have to pay a nominal amount of money when getting a hospital rehabilitation while for the rest the insurance provider will take care. International students receive quality health insurance starting at just 25 euros per month. The costs exceeding this maximum amount have to be paid by the patient. The healthcare insurance services in Germany are carried by insurance providers. HanseMerkur's partner DAK-Gesundheit is a top-rated German insurance provider committing itself to provide the best service to all customers - with top rates for students, families and professionals. | Updated May 8, 2023 Every resident in Germany needs to have health insurance by law. There are many health insurance companies known as Krankenkassen you must look for and apply for their insurance packages. With this being said, you must first understand how the system works and then take into consideration each detail before selecting the type of health insurance package and its provider. Yes, all students have to have healthcare insurance in Germany. When getting a GKV health insurance you must read carefully what it covers, because if you go beyond its coverage youll have to pay on your own. After you finish your preparatory course and get accepted at a German university, youll then be allowed to apply for a public healthcare plan. How health insurance for refugees is implemented depends on what sort of benefits you, as a Ukrainian refugee, are receiving in Germany. This document proving that you are not required to take out German statutory health insurance is issued by the statutory health insurance providers in Germany. A fixed insurance sum is stipulated in a security-oriented insurance policy which is paid out either after a specified number of years (in case of survival) or in case of death. Finally, they set a time limit after which youre no longer entitled to the health insurance program in Germany. The insurance on household contents protects the belongings from material damages and the related costs. More than 53,000 qualified AOK employees based in over 1,200 offices ensure that members receive all the services they require: quickly, competently and without bureaucracy. Compiling your insurance portfolio, you should consider very carefully which insurance policies are economically reasonable and affordable for you. German public health insurance includes care in hospitals and care from doctors. The basic coverage plan is like public health insurance in the private sector for private policyholders who are unable to pay their premiums, or who do not wish to pay more than they would for public health insurance. International students must present proof that they have health insurance when they . Being insured under the GKV scheme youd expect to have basic medical assistance if youre caught by surprise by an illness in some particular countries, but thats all. Individual purposes and third parties can be taken from the following list and excluded from my consent. Provisit Science is a substitutive private comprehensive health insurance for foreign academics, doctoral students and visiting scientists up to the age of 59. Basically, a portable document is what makes sure you to be covered in certain circumstances while being abroad. When getting to the hospital you have just to show them your European Health insurance Card (EHIC) and they will take care you get the necessary medical care. At the age of 25, your entitlement to benefits ends and you can change to a favorable student tariff. There are two types of health insurance in Germany: All students are required to have an insurance plan in Germany, but depending on where you come from, you might be eligible to use the plan you already have in your home country. Private health insurance Provisit Student Coverage through the statutory Techniker Krankenkasse TK is possible, provided you are both enrolled in a specialized course of study and do not exceed the age of 29. Working students who work more than 20 hours per week during the lecture period or earn more than 470 euros per month must insure themselves beforehand. My consent is voluntary and I can revoke it at any time with future effect in the cookie center. For just a couple of euros more, a . Except for particular countries with whom the German state doesnt have a bilateral agreement, your German health insurance plan is supposed to cover you even when youre staying home during holidays. Then stay in public health insurance and choose a qualifying insurance. This is shown by the two studies by Focus Money and Kubus. 50% of the insurance contributions are paid for private old-age provisions. Public health insurance contributions for 2020/21 are as follows: TK Techniker Krankenkasse - 105,80 AOK Baden Wrttemberg - 107,29 Barmer - 108,77 DAK Gesundheit - 111,75 KKH Kaufmnnische Krankenkasse - 111,75 How To Apply To Study in Germany What does student health insurance in Germany cover? Techniker Krankenkasse (TK) is the most popular as its one of the cheapest health insurance in Germany for students. Top benefits for your studiesExcellent rates with and without deductibles, A good option after graduationStable premiums and top benefits for your future, Private health insurance with best ratingTop satisfaction - 95% recommendation. Additionally, the insurance package involves nursing care known as Pflegepflichtversicherung. If you are living in Switzerland we recommend visiting our Swiss website. Basic coverage is always the same: your health insurance covers the cost of check-ups, treatment for illness or after an accident, and certain medications. There is a specific amount you must pay for your GKV insurance. This insurance covers all judicial instances, including the costs of experts, witnesses, surveyors, lawyer and court under the precondition that the legal dispute has a reasonable chance of success. In 2013, 32 EU countries, including Switzerland agreed on creating a joint European healthcare system. In principle, this contract specifies that your Krankenkassen membership lasts for 18 months. Fortunately, the current legal regulations are shown to be very flexible, giving the immigrants an opportunity to seek more specific medical aid if needed. Furthermore, if youre holding a private medical healthcare insurance there will easier than that. As an expectant mother your EHIC will cover only if you give birth to a child even though you were not expected to do during that period. athree-person family pays 600 / month for insurances in the average. By setting these cookies, the DAAD aims to continuously improve this website and to analyse visitors' usage behaviour by evaluating which website the visitor comes from and what content he or she views (for how long). You need proof of health insurance to get enrolled at a German university and to get your student visa. As the amount of such damages may easily threaten the existence of both homeowners and tenants, they are recommended to protect themselves against the financial burdens which may accrue from a fire. The application process is easier if the applicant has a well-defined civil status (for example a refugee in protection or an asylum seeker). Some popular private health insurance providers: CareMed International Insurance - www.study-abroad-insurance.com, Hanse-Merkur Reiseversicherung AG - www.hmrv.de, Mawista Reise- und Krankenversicherung - www.mawista.com. This is mainly the case because most health insurances can only insure you once you are residing in Germany and, therefore, do not conclude actual contracts with you in advance. Financing Your Studies On the other hand, if youre privately insured then you will take top-brand remedies. Student tariffs are particularly favorable because they do not yet build up aging reserves. The more you pay monthly, the more cover you will get. MAWISTA Student offers international students up to five years of reliable insurance cover. Both systems are good. If you are from a non-EU country and youre planning to stay in Germany for a longer period of time, you will need to get the compulsory health insurance from licensed insurance companies in Germany. In that case however you cannot switch to a statutory health insurance provider during your degree programme in Germany. There is a wide choice of statutory health insurance providers with whom you can take out insurance. Depending on your destination the usual health insurance may not be applicable during your holiday. If youre from one of the countries below, your home public health insurance policy is valid in Germany: Member states of the European Union (with your European Health Insurance Card). On average, students will have to pay around 110 a month for health insurance. Our promise to you: While SHI is accessible to the most People, certain conditions apply to private health insurance. Your GKV health insurance it doesnt cover any medical treatment in a private hospital, a private doctor or surgeon, specific dental care. Would you like to learn more about our Bachelor's and Master's programmes at home in peace? Do I have to pay for my childrens insurance? Many students choose Germany as the country to learn the German language because its the languages origin country, you get to have conversations with native German speakers, enjoy the culture and more. We take care of everything when it comes to your health so that you can focus on your studies. This includes refugees seeking asylum in Germany, regardless of their citizenship status. I recommend Techniker Krankenkasse as the best public health insurance for employees, self-employed and students. In this case it is a supplementary insurance, which covers individually selected risks that are not or only partly covered by the statutory health insurance such as the costs for dental prostheses or for alternative medical treatments (homeopathy). This can be done conveniently via the Concierge service in your app. This covers you for stays in Germany of up to 5 years. If you are a doctoral student, you should seek advice about insurance requirements from the Welcome Centre. What does this mean? Whether you are staying abroad as a pupil, student, doctoral candidate, scholarship winner, trainee . For students who are already 30 years of age when they begin studying in Germany private health insurance may therefore be the better option. Still unsure? Moreover, all damages caused by fire, mains water, storm or hail are reimbursed by the insurance on household contents. Most Ph.D. students should get private health insurance plans. These days you can compare private insurance plans and get one customized for you online. This wide range of policies which is rather confusing for non-professionals bears the risk of over-insurance. Techniker Krankenkasse offers the best mix of price and service and is leading the score in many tests source. Lucky for you. When international students come to study in Germany its the law for them to have some form of German student health insurance - its also something that youll be asked to prove during your student visa application. Also, the refugees qualification obtained back in their home country are mostly counted, but it may occur that the university requests another route to assess the applicants suitability. This includes: Those who earn over 60,750 per year Those who earn under 450 per month A comprehensive health insurance plan increases your chances of getting your student visa. Students from EU countries can use their EHIC card as health cover for the duration of their exchange. Over 8.6 million policyholders place their trust in us. You cannot be enrolled at TUM without sufficient health insurance. at To a certain degree, the refugees will get the same benefits as German residents, however, there will still be limitations. ), Logistik- und Supply Chain Management (M.Sc. Disabled people can seek help from a nurse practitioner to do bathing, feeding and similar daily activities. If you want to study in Germany, you will need health insurance. The DAAD offers combined health, accident and personal liability insurance for trainees, students and academics - as well as their partners and children - who come to Germany. Nevertheless, it is a requirement to take out health insurance and provide proof at registration and to the immigration office. However, note that under new reforms introduced in 2019, health insurance providers in Germany are allowed to charge a supplemental premium which can be at maximum 0.9% of your income. visiting the doctor). With many insurances, the tariff ends at the age of 34, with ottonova not until the age of 39. Because the law requires everyone in Germany to have health insurance youre going to need to get a plan that complies with this law. Tariffs vary because each health insurance provider can levy individual additional contributions. For example, in case of an emergency or an accident abroad, you can seek the required medical treatment with your D1 portable document. Unemployed Ph.D. students that have prolonged their studies can take outprivate insurance for the duration of their doctoral studies. And if everyone pays some of their own costs, it becomes cheaper for everyone. The situation is different with statutory health insurance. We also offer supplementary insurance for anyone who prefers or is obliged to stay insured by public health insurance. That is why ottonova employs not only insurance experts and mathematicians, but also programmers, physicians, and designers. For international students in Germany,to significantly increase your chances of getting your student visayou need proof of a suitable insurance plan for students. 2,000 people take out insurance with TK each day. The financial burden arising from the cancelled travel can be reduced by such travel cancellation insurance. To confirm, please give us your email adress. Read also: Travel Insurance for Students Health insurance coverage for pre existing conditions in Germany Health insurance plans for refugees cover only basic medical needs, but if theres an emergency there are exemptions. The card came as a replacement for the E111 certificate which basically had a similar intention as the EHIC. Who is eligible for private health insurance in Germany? In addition, the Klett Group operates numerous educational facilities ranging from day care centres and schools to distance learning schools, distance learning colleges and universities. Even if youre an international living or working in Germany, youre still eligible to apply for German healthcare. In General: All students in Germany are obligated to have health insurance. Private health insurance ( private Krankenversicherung or PKV) The cost depends on your age and health condition when you sign up. It's not something that can just be done by old-school insurance salespeople. Further on you can switch between them easily. Once you get admitted and land in Germany you must seek your health insurance plan. Our private health insurance for expats offers you possibilites to save money while getting much better coverage compared to public health insurance. Only a few of doctoral students are allowed to continue with more reasonable insurance rates, as a gesture of goodwill, depending on whether they have reached their 30th birthday yet or their 14th semester (you should count from the first semester of studies). Ukrainian refugees who receive social benefits from the Jobcentre are eligible for statutory health insurance in Germany. This makes it possible to track the behavior of site visitors after they have been redirected to the provider's website by clicking on a Facebook ad. Your starting salary as a salaried employee is not (yet) sufficient for private health insurance? Being so, the EHIC wont cover any cost that the travel insurance is supposed to cover, for instance, your stolen things, your ticket for flying back home. ottonova is a climate-neutral company with many sustainable actions. If youre insured with a public health insurance provider then 10% must be paid with a maximum of 10 euros and a minimum of 5 euros per prescription. You can choose how much coverage you want. Two different accident insurances are to be distinguished: the statutory accident insurance which covers accidents on the way to work and the private accident insurance which is applicable for accidents in the private area (leisure, sports and household accidents). If youre in a temporary stay in Germany and get suddenly sick your health insurance in your home country covers your medical needs in specific circumstances, otherwise not. Without health insurance coverage, enrollment at any German . First, every citizen is charged with the same basic rate premium for his/her health insurance which guarantees that everyone contributes same and consequently gets the equal medical treatment. Whether you get it privately or publicly, it doesnt matter. For example, back at home, your health insurance may cover numerous medical needs, but in Germany, there are limited medical services covered by your insurance provider. The annual payroll limit changes from year to year and is determined by the Beitragsbemessungsgrenze. Below weve provided all the information refugees must have prior to seeking insurance in Germany: It all begins with knowing where to make a request for seeking health insurance. The German law requires you to have insurance, and you can pick a private plandepending on your needs. Non-prescription medicines must be paid in full. Understanding the organization and the way it functions is very important before seeking a health insurance. One of the extra benefits that the health insurance system in Germany is that your insurance can cover your relatives who at the moment when they need the medical assistance were visiting you. Then get the insurance 1x1 for your studies. ottonova offers comprehensive private health insurance for employees and the self-employed, as well as supplementary insurance for persons eligible for benefits called "Beihilfe". Note that the German health care system may still apply when youre abroad. 10. There are currently 110 official public health insurance companies in Germany, known as Krankenkassen, but the Government doesnt set the one to choose. What does that mean for you? Marriage and children, loss of job, taking up self-employment or the beginning of retirement can entirely change your life situation.
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