Health Insurance for International Students in Germany | 3 Best Options
Health Insurance for International Students in Germany is needed for two reasons. This will not only cover you in the event of an emergency, but it will also be necessary if you want to get a student visa to study in Germany. It is mandatory as per the law in Germany that every student including international students should have health insurance. Similar to the requirement of a blocked account for Germany.
In this blog, you’ll find detailed information about health insurance for international students in Germany, including how to apply, what type of german healthcare insurance are available, how much insurance will cost, and how to select a plan that meets your specific needs as an international student from 3 best options.
What is German Student Health Insurance?
There are two kinds of insurance options for students: Public Health Insurance and Private Health Insurance.
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.
Private health insurance is the only option for international students, students over 30, students enrolled in language and preparation courses, PhD students, and visiting scientists.
Who needs German Health Insurance to Study in Germany?
Since most of my audience is from India, you definitely need German health insurance during your studies in Germany.
Students from the European Union, Bosnia and Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia, and Turkey are not required to obtain supplemental health insurance because their national healthcare systems are recognized in Germany. They should also contact their health insurance company to see what benefits they will be eligible for in Germany, as it is possible that their domestic insurer will not pay for all of their medical expenses once they are there.
However, any student from the European Union or the European Economic Area who works or interns for pay in Germany must enrol in the public health insurance system in Germany.
Application for Health Insurance for International Students
Coracle helps you with the application for health insurance for international students with just one click. Compare the three best biggest public healthcare insurance options and choose the one that suits you best.
The top 3 best options to choose from are TK, Barmer and AOK. These are the best companies in Germany.
All you need to do is fill out a small form online and you are done.
Some people don’t qualify for Germany’s public health insurance program:
- International students whose health coverage is valid in Germany.
- Students aged 30 and up.
- Students who are self-employed or working independently.
- Students who are not enrolled in a German university’s degree program (e.g., preparatory or language courses).
- Graduates, especially those who have received financial support (without a contract of employment).
- Researchers and Scientists from Other Institutions.
What to do if you fall in the above category?
If you want coverage, you’ll have to sign up with private healthcare insurance offering student health insurance in Germany. The entire process of application is very easy with Coracle.
How much is health insurance cost for students in Germany?
You don’t have to pay for the premiums while applying, you start to pay only after your arrival i.e., after the semester start. The first premium will be booked on the 15th of the following month of your arrival.
Public Health Insurance– Basic medical treatment and coverage for long-term care are included in the monthly premiums for international students ranging from €115 to €123 with a public health insurance provider.
Private Health Insurance- Costs for private health insurance in Germany range from about €35 per month.
This cost estimator can help you figure out how much you can expect to spend on health insurance in Germany. As public insurance is regulated by the German government, all insurance companies must provide certain basic health coverage.
Mostly all the existing medical problems will be covered by public health insurance.
Hence, this is the best way for an international student to enrol in mandatory medical coverage in Germany and choose from the given insurance companies.
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