student health insurance germany


Every foreign student who wants to study in Germany should apply for health insurance. International students are not permitted to enrol at German higher education institutions without it this is because as a law that every person that lives in Germany has to have health insurance hence students will need to present proof of health insurance when they enrol for a preparatory course or at a university and apply for a residence permit. Once they have enrolled at the college or university, a student can switch to the mandatory German health insurance scheme.

Health insurance provides the assurance that the costs of medical care and medications do not have to be paid privately in the event of an accident or illness. So with insurance covered students can go to the doctor without fearing the costs for drugs and other medical treatment, which can be low.


There are two kinds of health insurance in Germany, compulsory/public and private. International Students are obliged to ensure themselves until they are 30 years old, or until the 14th study term, they must have compulsory health insurance. Private health insurance is only allowed in exceptional cases.

It’s important to clarify your health insurance status before you begin your trip to Germany! In order to enrol and apply for a residence permit, the Gotogermany office would be happy to assist you further.

How much does student health insurance in Germany cost?

Health insurance for international students costs from €103.94 – €111.75 per month with a public health insurance provider, and it covers basic healthcare as well as long-term care insurance.

Public health insurance contributions for 2019/20 are as follows:

  • TK – Techniker Krankenkasse 105,80 € (€103.94 per month for students up to the age of 22)
  • AOK Baden Württemberg 107,29 €
  • Barmer 108,77 €
  • KKH – Kaufmännische Krankenkasse 111,75 €

Private health insurance in Germany costs starts at around €33 per month, and increase depending on what extra services you opt for and whether your stay is going to be 18 months or longer.

How to get statutory health insurance in Germany as a foreign student?

Techniker Krankenkasse (TK) is one of the most popular public health insurers in Germany, offering low-cost prices and outstanding service. It is most popular with students, whether they are domestic or international. One of the services TK provides is also an online 24/7 service in English for all those who do not speak the German language.

What does health insurance for international students cover?

As mentioned, degree students up to the age of 29 can get public health insurance such as the statutory health insurance fund Techniker Krankenkasse. This health insurance provider pays for your health-related issues the likes costs for visits to doctors, treatment, medication, screening examinations, rehabilitation, and basic dentist treatments with the TK dental partners. For example, if you need dentures, TK only pays a part of the whole sum (after you have applied TK).

On the other hand, the GERMAN STUDENT INSURANCE  is a customized insurance plan for international students in Germany. It is basically affordable, combined insurance offering both public and private health insurance services. Apart from offering both statutory and private insurance services, there are also other advantages to German Student Insurance. Since proof of German health insurance is required for your student visa application, this insurance solution is recognized by all official bodies, meaning you will get an immediate confirmation document that you can use as proof of your health insurance.

Health Insurance for Preparatory Course Students in Germany

Everyone in Germany is required by law to have health insurance, so even preparatory course students in Germany must get insured. However, since these students are not yet enrolled in their degree programme, they cannot register with a provider of public health insurance for international students and will have to get a private health insurance plan.

By the end of their preparatory course, these students should pass an exam known as Feststellungsprüfung which will allow them to enrol in their degree programme. As a result, they will be eligible to register with statutory health insurance providers. However, until that happens, preparatory course students must have health insurance, in this case from private health insurance providers in Germany, like EDUCARE24 by DR-WALTER.

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