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
- 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
- Israel, Liechtenstein