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Health Insurance for International Students in Germany
If you're an international student in Germany having health insurance is essential. It's the first step in taking care of your health needs, and it will help cover any potential medical bills.
But when it comes to health insurance for international students in Germany, the process can seem more complicated than it should be. Do you need a German-specific policy? Can you use your current plan from home? We'll answer all of these questions and more so that you can get the peace of mind that comes with knowing something like this taken care of.
Different Types of Health Insurance
Health insurance for international students in Germany is an important part of your new home country's coverage. It's a great option for students who are looking for an affordable and comprehensive way to protect their health and keep their medical costs under control.
There are two types of health insurance in Germany:
Public Health Insurance
If you are an international student under the age of 30, you can register with a public health insurance provider that way you can take advantage of the statutory health insurance scheme.
Private Health Insurance
If you’re over the age of 30 or don’t meet the criteria for German Health Insurance Scheme, you can opt for private health insurance. Private health insurance is typically more expensive than SHI, but it offers more comprehensive coverage depending on the plan you will choose.
The following are the conditions that make you ineligible 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 over the age of 30
- Students who are self-employed or working as a freelancers
- Students who aren’t enrolled in degree programs in Germany
- Post-graduate students and scholarship holders
- Interns/Trainees
- Guest scientists
EDUCARE24 is a flexible insurance plan that is created to meet the needs of students who are not eligible for Public Health Insurance. If you are looking for a private health insurance provider, you can start from here.
Exemption for Certain Countries
Students who are enrolled in degree programs are eligible to take public insurance. However, students who are in Germany for preparatory or language courses and students who are over the age of 30 are required to get private health insurance.
All students are required to have health insurance, however, depending on which country you are from, you might be eligible to use the insurance you have in your home country. Those countries include:
- All EU countries
- Bosnia-Herzegovina
- Iceland
- Israel, Liechtenstein
- Morocco
- Macedonia
- Montenegro
- Norway
- Switzerland
- Serbia
- Tunisia
- Turkey
Cost of Health Insurance for International Students in Germany
The cost of health insurance for international students in Germany can vary from company to company, for public health insurance international students pay a monthly premium which is about €105 to €111 per month
Public health Insurance costs are as follows:
- TK Techniker Krankenkasse - €105.80
- Barmer - €119.94 to €122.78
- AOK Baden Wurttemberg €107
- DAK Gesundheit – €121.55
- KKH Kaufmannische Krankenkasse €111
Different companies have different costs for different insurance plans, we have listed the costs of the EDUCARE24 insurance plan below to help you understand the cost of private health insurance:
| Individual | Individual | |||
| Up to 39 years | Up to 69 years | Up to 39 years | Up to 69 years | |
| EDUCARE24 S | €33.00 | €54.00 | €50.00 | €110.00 |
| EDUCARE24 M | €37.00 | €58.00 | €54.00 | €114.00 |
| EDUCARE24 L | €41.00 | €69.00 | €59.00 | €120.00 |
| EDUCARE24 XL | €59.00 | €83.00 | €85.00 | €130.00 |
| 1ST to 18th month | From the 19th month on | |||
The short answer is yes, as all residents in Germany are required to have health insurance by law. As an international student, you can either get an insurance policy offered by the German public system or an international private plan.
Yes, there are two main differences: coverage and cost. Public health plans will provide basic coverage for treatments in Germany while private plans offer more comprehensive coverage that may include services outside of Germany. However, public plans are typically less expensive than private ones.
Before or after you arrive in Germany, you can contact either a German public insurer or a provider of an international private plan – whichever one works best for your situation – to get the process started on obtaining insurance coverage. Many of them offer online application processes such as TK public health insurance. You can use that to purchase a plan.
No matter your background or current situation, it's essential to have a good health insurance plan in place when you're in Germany. With the help of the right provider, you can find an option that works for you and your budget, and make sure you're getting the coverage you need for peace of mind and financial security. Whether you're looking for a public plan or something more customized, Edvise Hub can help you with that. Contact us for more information regarding health insurance in Germany and we will be more than happy to help you.
