Price comparator (in German)Tarifcheck. July 19, 2021. If you are not insured in the EU/EEA, you will have 2 options at your disposal: If you are currently on student public insurance and are about to turn 30, your insurance will unfortunately end with the semester in which you turned 30. After reading this article, you should have everything you need to know about student health insurance in Germany - we hope that you know exactly what policy you need to apply for and how much you can expect to pay. How do German students get health insurance? If a treatment is not covered, you know before you start. Health insurance for preparatory courses in Germany, Health insurance for exchange students in Germany, Health insurance for language course students in Germany. Getting health insurance in Germany | Expatica An advantage of these insurances is that the cost of treatment is carried out directly between the doctor and the insurance company. Price comparison tool (in German)Tarifcheck, Your employer pays half of your health insurance. We work together since 2018. The CBS International Business School has been part of the Stuttgart Klett Group since 2016. This can be done conveniently via the Concierge service in your app. Yes, all students have to have healthcare insurance in Germany. Another large public health insurer. Private health insurance with best rating. For public health insurance in Germany, you get charged a healthcare contribution based on your income which comes out of your salary automatically and is currently around 14.6%. Especially if you expect a high starting salary or plan to start your own business after graduation, private health insurance is worthwhile. This is shown by the two studies by Focus Money and Kubus. Yes, with ottonova this is no problem at all. Private health insurance will usually cover more extensive and specialised services, and youll have shorter waiting times for treatments, however it can cost more monthly and will not cover children and partners for free. All students in Germany are obligated to have health insurance. What is important to you? Travel health insurance is a requirement of the German visa application process, but you cannot use your travel insurance as a substitute for student health insurance in Germany. Then you should think about private health insurance. All statutory and private insurance schemes offer special discounted rates for students. You cant get a residence permit without health insurance. If you have a private health insurance plan, you still have to go to a public health insurance provider in your area and obtain proof that you have been exempt from public/statutory health insurance, and that your current private insurance meets the requirements. It does not help you make a good choice. All students in Germany must have health insurance. Some short language courses at universities also fall under the banner of preparatory courses. Make sure you inform them before they do the paperwork as to which provider you want to register with. Complete guide to getting health insurance for international students in Germany. You can also choose optional extras for more comprehensive coverage, in exchange for higher premiums. We offer accredited Bachelor's, Master's and MBA degree programmes in German and English on a full-time or part-time basis. To confirm, please give us your email adress. 100% fair advice - zero risk for you. Germany has two health insurance systems: Both systems are good. The premiums for students are usually around 110 euros per . There are big differences between private health insurance companies. But there's more with the GERMAN STUDENT INSURANCE! Yes it does: with ottonova - the health insurance for the mobile age: digital, fast and with great savings potential. Even though they all come from different backgrounds, they share a common vision: To create health insurance that sets new standards. After successful completion of the course and acceptance onto a university degree, students can sign up for public healthcare insurance through a provider such as TK, and take advantage of the discounted student rate. Increase the attractiveness of your company and appreciate your employees by offering them ottonova CrewCare. Agents only work for one company. The situation with PhD students is a little more complex, as some students are employed by their university whilst others are not. Student Health Insurance for Studying in Germany Guide Student Health Insurance in Germany: A Guide For Foreigners Germany requires all students in Germany to have insurance, including foreign students, guest researchers, and language course students. As a consequence, I only can hire private insurances. If you do not have health insurance, or if the health insurance from your home country is not accepted in Germany, you should take out health insurance in Germany. Would you like to learn more about our Bachelor's and Master's programmes at home in peace? They will be able to provide a certificate that includes details of your insurance plan, how much it covers, and how long the plan lasts. A language course can be an excellent way ofintegrating better into German society. Your insurance provider will offer you to continue with public insurance as a voluntary member, which is always strongly recommended. How much is health insurance in Germany for international students? Hello all: I'm 30 years old and I will be a foreign student doing an MSc. This guide explains how health insurance works in Germany, and how to choose the best health insurance for your situation. With private health insurance you pay the full tariff to us at the beginning of the month. As an international student, you need health insurance not only for your own health and financial protection. If you want to remain in private health insurance after your studies, for example, because you want to become a civil servant, this is the right way to go. You can follow these steps to start your German health insurance plan: Decide whether you will choose public or private healthcare, Choose a company and plan that you want to apply for (you can use this tool to help), Go to your chosen companys website and find the online application (or their contact details if its not possible to apply online), You will receive an email with your Student Health Insurance Certificate and a request to submit further documents for your application, Once complete you will have your insurance and can send proof of this as part of your visa application. Your options depend on your occupation and your income: 89% of German residents have public health insurance (gesetzliche Krankenversicherung or GKV).3 Its sometimes called statutory health insurance. Sometimes, its impossible.20 If you are freiwillig versichert, public health insurers are not forced to accept you, so you can be stuck with private health insurance. If you want to take out private health insurance, you must apply for exemption from compulsory insurance within three months of enrolling. If you are a student in Germany and are 30 or older, Provisit Student is the ideal insurance for you. Student Health Insurance in Germany: A Complete Guide - AloneReaders ), Strategisches Management & Consulting (M.A. Student cover with TK costs the standard (discounted) monthly amount of 105.05 (students under the age of 23) or of 106.93 (students aged 23 to 30) for long term care,which covers both basic public healthcare and nursing insurance for care in later life. See you soon! Barmer is the second largest public health insurer in Germany. Here is a selection of articles, news and features you may also like. Information on health insurance from your Studierendenwerk or directly from: VELA - a brand of UNION Versicherungsdienst GmbH. Students that are enrolled in preparatory courses are not eligible for public healthcare insurance in Germany, so you will have to apply for a private plan. Students over 30 who come to Germany must take out private health insurance. We'll do everything we can to help you make an informed decision. Customer service: 0800 603-6039 (Germany) Customer service: +49 5231 603-6390 (International) E-Mail: info@vela.insure. Each offers very different options. Get a consultation. Basic dental care. Expect an email from Feather. After you finish your preparatory course and get accepted at a German university, youll then be allowed to apply for a public healthcare plan. Those visiting Germany to undertake part of their PhD for a period of less than one semester can simply use theirEHIC cardas cover. With private health insurance, you have more control over what is covered. Guest researchers and guest scientists are also required to have healthcare insurance cover,regardless of how short their stay in Germany is. Doctors often give priority to patients with private health insurance. Whether you get it privately or publicly, it doesnt matter. This is lower than the required minimum in other circumstances. You may also be covered by the terms of private health insurance from your home country, but you need to check with your provider first as German law has strict guidelines about what cover is acceptable. International PhD students are also required by law to have healthcare cover for the period that they are living in Germany. Dont underestimate the importance of healthcare cover for international students. at Student public insurance is one of the benefits for people studying in Germany since it comes at a discounted monthly flat rate of around 120 EUR (2023) and provides broad coverage. Health insurance for foreign students in Germany over 30 years - Provisit When you come to Germany as a student, health insurance can be complicated. 79-year-old woman tricks German scammers into getting arrested, New German citizenship laws to be voted on this summer. Out-of-hours, there are also numbers for on-call doctors and pharmacies. You can also use this tool to estimate how much you can expect to pay for health insurance in Germany and find which is the cheapest health insurance in Germany for students. You need to pay for them yourself. Their help is free for you; they get paid by health insurers to bring them customers. Legally, the coverage provided must be at the very least equivalent to that offered by statutory insurance. visiting the doctor). In the following, we will introduce you to different options: If you were privately insured before your studies, you can choose the student public health insurance and pay around 121 or decide for a student tariff of private health insurance. Here you can find advice on the benefits and costs of private health insurance for students. One of the best apps on the market with 4.7 stars. I am in Germany for one year. Of course, your family is very welcome at ottonova. Health insurance for foreign students in Germany, TK Health insurance for foreign students in Germany, Health insurance for preparatory course students in Germany, Health insurance for language students in Germany, Health insurance for exchange students in Germany, Health insurance for PhD students in Germany, Health insurance for Guest Scientists in Germany, German Health Insurance for International Students. Still unsure? All we need is your personal data. You can obtain such proof by contacting your localGerman health insurance provider and requesting a confirmation letter from them. This website is my full time job. Private health insurance is the policy offered by private health organisations, rather than the German state. Variant 2: As a civil servant you are entitled to benefits, Completion of voluntary military service immediately between graduation from high school and the start of studies, Acquisition of the admission requirements for university studies via the second educational pathway. Its the second most important insurance after health insurance. You can also pay less if you cover less, or if you have a higher deductible (Selbstbeteiligung). Daniel is a health insurance broker at Welcome Center Germany. You pay a maximum of 500 per year out of your own pocket. in Germany. Health insurance is not mandatory to receive admission at TUM. If you have problems like AIDS, severe asthma, diabetes or obesity, they could also reject you, or charge a lot more. However, the GKV benefits do not reach the level of private health insurance. International students in Germany over 30 must take out private health insurance. Health Insurance for International Students in Preparatory or Language Courses If you need to complete a pre-study preparatory course before enrolling in your study program, you must take out private health insurance during this time. They have English-speaking support. The so-called basic coverage plan was introduced in 2009. If you are a student, you can choose public or private health insurance. AOK, Barmer and DAK are three other big public health insurers. You can apply for private healthcare if you fall into one of the groups below: Residents with salaries higher than 66,600 a month, Mature students (International students older than 30 years old), Students in preparatory and language courses, Guest scientists, post-graduate students, scholarship holders (without a contract of employment). What is important to note is that those enrolled in preparatory courses are not eligible to enrol in public healthcare insurance, but are still required to have health insurance cover under German law. We also offer supplementary insurance for anyone who prefers or is obliged to stay insured by public health insurance. Info on private health insurance in Germany, including requirements, premiums, coverage & voluntary excess, family insurance, tax deductions & benefits. But only if you are under 30 years old. Statutory health insurance providers in Germany are obliged to offer affordable tariffs to students up to the age of 30. krankenkasseninfo.de, krankenversicherung.net, gesundheitsinformation.de, gkv-spitzenverband.de, reddit.com/r/berlin, reddit.com/r/berlin. He has a lot of experience with immigrants. Their price and coverage is almost the same. Just imagine that after each medical consultation or hospital stay, you were to pay a high invoice out of your own pocket. Health insurance for students in Germany, language pupils and doctorants in Germany from 69.62 Your reliable health insurance partner abroad. If you earn less than 66,600 a year, youre recommended to stay on a public healthcare insurance policy. All about Student Health Insurance in Germany - TIPPUNKT Some of the main private health insurance companies in Germany include: Eligibility for private healthcare is dependent on your employment status and salary. Expatrio offers students the chance to register for discounted student public healthcare insurance throughTK, one of the biggest and most well-known providers in Germany. The requirement for taking out private health insurance for students is enrollment at a German university. Tariffs in private health insurance in Germany are based on the age when you enter the system and your health status. You also get 2 free dental check-ups every year. With private health insurance, you usually pay for healthcare yourself, and get reimbursed by the insurance company. In individual cases, however, it can be extended beyond this if one of the following reasons applies: You want to become a civil servant or become self-employed? Here you can learn more about cheap health insurance for limited stays. You cannot register for public health insurance in Germany if: Please note: If you are working in Germany during your studies and you earn more than 450 per month, then you have to be registered as an employee and get health insurance as a foreign worker. But only if you are under 30 years old. By law, German workers must contribute a minimum of 14.6% of their income - which is shared half and half between employer and employee contributions. Yes, provided you are not yet 55 years of age, and you are required to have health insurance. What Should Student Health Insurance in Germany Include? A preparatory course is also a good way to learn vital language skills and prepare generally for living in Germany full time. Student health insurance in Germany - IamExpat in Germany This does not work for self-employed people, because they are never Pflichtversichert.21 They must become employees to use this trick. EDUCARE24is the most sought after, cheapest and comprehensive plan for international students in Germany. There is no other deductible. Please choose another one. An overview of higher education in Germany: university types, tuition fees, scholarships, academic calendar, credit system, grading & entry requirements. Student public insurance is one of the benefits for people studying in Germany since it comes at a discounted monthly flat rate of around 120 EUR (2023) and provides broad coverage. You are working as a freelancer or are self-employed. . If your health insurance is not recognised in Germany, you will need to take out either statutory or private health insurance. Which private health insurance should I choose? If your health insurance is not recognised in Germany, you will need to take out either statutory or private health insurance. on . After you arrive in Germany, before you enrol in your chosen university, you have to get health insurance from one of the health insurance companies known as Krankenkassen. I am 30 years old, and I have to change my insurance. How much is private health insurance for international students in Germany? If health insurance is cheaper in your home country, using your EHIC is cheaper than getting German health insurance. You can make a call to any of these numbers at any time, free of charge. It's a good idea to contact Barmer before you arrive in Germany so we can organize your public insurance in advance and provide you with necessary insurance-related documents for your visa application and enrolment. Some language courses are short, possibly the length of a semester or less. Glasses and contact lenses are rarely covered. Provisit Student is a substitutive private comprehensive health insurance for foreign students aged 30 and over. Out-patient care (e.g. These are some useful phrases that you may need to use while in Germany: Ich fhle mich echt mies = I'm feeling really unwell, Ich brauche einen Krankenwagen = I need an ambulance. ottonova has the highest satisfaction and 95% recommendation rate, making it number 1 in the insurance industry. Private Health Insurance for Expats in Germany. Note:We do not offer visa/legal advice or application services, so we do not respond to such inquiries. There is a small deductible (5 to 10 per month) for some prescriptions. Public health insurance covers essential dental care, like removing your wisdom teeth. May 13, 2020. Those from an EU or EEA country with an agreement with Germany may be covered with an EHIC card, depending on the length of stay. Ottonova is a private health insurer. Health Insurance for Students Aged 30 and Over However, unfortunately, it is only available to students under 30 years . Considering that, in the student tariff, the base amount you will have to pay for governmental health insurance is 76.85. If you get healthcare in Germany, your health insurance in your home country pays for it. You could then pay the standard rate of the public health insurance, but it is very costly. All of your data is stored securely on a server in Germany. Some students choose to take a language course, typically for around one year or one semester, in order to improve their German. . A German address and your German bank details can be easily submitted after entering the country. Fact-checked by Daniel DeRosa In exceptional circumstances, it is sometimes available to others (for instance, if you are not accepted by a statutory insurance scheme). Follow us on Instagram & Facebook, get to know us at one of our Information Events, or Contact our student advisors to get more info. If you are a freelance artist or publicist, you can join the KSK. For insured persons under 30 years of age, the premium for Care Student is 69.62 euro / month. The German healthcare system is one of the best in Europe, and all residents are required to have some sort of health insurance policy. A deductible of 300 per insurance year, allows a particularly favorable price. With other insurances this is 34 years. This insurance costs about EUR 120 per month and covers most medical and dental costs. There are various types of German health insurance that international students can apply for, so in this guide, well be telling you everything you need to know about student health insurance Germany. Our German Student Insurance makes it easy for you! You are not enrolled in a degree course in Germany yet (e.g: you are still in a preparatory or language course). Rob Schumacher is a health insurance broker and the founder of Feather insurance. CBS welcomes 170 freshmen and achieves system accreditation, "Klle Alaaf" on the international CBS Campus. Our promise to you: Statutory health insurance providers in Germany are obliged to offer affordable tariffs to students up to the age of 30. E104). Private insurance is available to those who are above the age of 30. Even if you can have private health insurance, private health insurers can reject you. Which public health insurance should I choose? Doesn't exist? Contribution rate for students. Once you have determined the type of health insurance you need to take out, it is best to compare insurance providers using a website like Tarifcheckto see which offers the best cover. German health insurance for studies | provisit.com 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. You can find out more about the TK and Expatrio partnership on ourTK page. How to Get Student Health Insurance in Germany? Stable premiums and top benefits for your future. Often, you need to actually register with the national health service in your home country, who will issue you with an EHIC card. International Business (B.A.) It is essential that international students are covered by healthcare insurance before they move to Germany. We only disclose your data with your consent, for example, when we make an appointment for you. If you become an employee with a gross starting salary above the annual income threshold (2023: 66,600), private health insurance is also open to you. You are eligible for the statutory or public health insurance scheme in Germany if you are a student under the age of 30 participating in a degree program at a German institution. They get paid by the insurance companies when they bring new customers. Out-patient care. The incoming insurance is not expensive and saves hassle when entering the country. You can also send us a message and we will be happy to advise you personally. 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. Health Insurance for International Students, Guest Scientists You plan to live in Germany for less than 5 years. Updated over a week ago. While for nursing-care insurance the amount including the additional 0.25 % is 24.82, it would add up to a total of at least 101.67 per month. You can do this by contacting the public health insurance provider in your area. Many PhD students residing in Germany are not employed by their university. It is important to present this card to your doctor, hospital, dentist or pharmacy so that they know you are covered by insurance and you do not have to pay upfront. Once you become a resident, you have to register with either a public or private healthcare provider. That's why we've built our plans to give you the best possible coverage in every situation. 2 If you are over 30 years old, and you just moved to Germany, you might be forced to get private health insurance. Student over 30 years : : : Maybe : Maybe : Visiting scientist with employment contract . Getting student health insurance (Krankenversicherung der Studenten) shouldbe one of your first priorities if youcome to study in Germany. This article explains more in detail. Before entering Germany, you should choose statutory health insurance and apply for membership there. Non-EU students under 30 have to purchase mandatory student health insurance from a German state health insurance provider. The following companies offer statutory health insurance for students in Germany: Statutory health insurance covers all medical costs, including visits to your doctor, treatment in hospital, dental care, prescriptions and medications. Checklist for students | BARMER We are the only health insurance company in Germany to return your ageing reserves if you are not satisfied. You should always check the details with your health insurance provider to make sure that it will be valid in Germany - just to make sure. What is the difference between private & public health insurance in Germany? How much is public health insurance for international students in Germany? Switching from private to public health insurance, Compared to public and private health insurance. Language courses are undertaken by both future degree students and also by those looking to move to Germany to work. Once you contact one of them, they will provide you with their plans and give you the details and the documents required. Click here for the website. The ideal health protection for. Our Private health insurance page contains more information on taking out private health insurance in Germany. If this guide helped you, leave a tip. students. If you come from another EU country, you can use your European Health Insurance Card (EHIC) in Germany. Check out all the reasons that make Germany the perfect place to study. If you are sick, your health insurance pays for your healthcare. Without this card, you will not be able to access medical treatment in Germany. Private Health Insurance for Foreign Students in Germany over 30 years or 14 semesters Question: I am from India and studying in Germany now. Without proof of insurance, you may not be granted a German student visa. However, unfortunately, it is only available to students under 30 years of age. This amount is usually less than the cost of standard contributions based on earnings. The Klett Group is a leading educational company in Europe and is represented internationally in 17 countries. The law in Germany requires everyone to have health insurance, including international students. Fr: 8 - 15. I have 4 questions: 1. However, students in Germany only have to pay about 110 per month (+/- 5) at least until they turn 30. GERMAN STUDENT INSURANCE offers a seamless combination of statutory and private health insurance and can be taken out from abroad before the start of your trip. What does student health insurance in Germany cover? You can buy travel insurance online in your country of origin. You will receive a certificate of insurance within a few weeks, which can be taken to your university as proof of coverage, to enable you to enrol. January 11, 2021. Do international students need health insurance in Germany? And if everyone pays some of their own costs, it becomes cheaper for everyone. Your age affects your health insurance options. The good news about being employed by the university is that you do not necessarily need to organize the healthcare cover yourself, as it will often be taken care of by the university. We need this information in order to give you advice on the right tariff. Yet despite all our enthusiasm, we never lose the ground underneath our feet. on The biggest difference between them is their extra contribution (Zusatzbeitrag), and their customer service.16. You cannot be enrolled at TUM without sufficient health insurance. International students will have to apply for German health insurance and show proof of their policy before arriving in Germany. If you get ALG I or ALG II, you don't pay for health insurance. Once in work or accepted onto a degree course, you will be able to register for public healthcare. Without a certificate proving your insurance, you wont be able to register at university. German Health Insurance Package for Internationals - Expatrio If you are employed your employer will contribute their part to your health insurance through your salary. You pay for your health insurance every month. German health insurance for foreign students. The main difference between public and private health insurance in Germany is that public health insurance is based on your income, whereas private insurance is based on your risk profile - things like your age and previous medical history.