Germany is one of the most popular destinations for international students seeking high-quality education, global exposure, and affordable living. But before you can officially begin your studies in Germany, there’s one essential requirement you cannot overlook — health insurance.
Having valid health insurance is mandatory for all students in Germany, both local and international. Without proof of health insurance, you cannot enrol at a university, obtain a residence permit, or even extend your visa.
In this comprehensive guide, we’ll cover everything you need to know about health insurance for international students in Germany — from what’s mandatory, the different types of insurance available, their costs, and how to enrol in the right plan for your needs.
Why Health Insurance Is Mandatory for Students in Germany
Health insurance in Germany is not just a formality — it’s a crucial part of the country’s social welfare system. The German healthcare system ensures that everyone, including students, has access to affordable and high-quality medical care.
For international students, having valid health insurance means you are protected against unexpected medical expenses, such as doctor visits, hospital stays, medications, or emergency treatments.
Without insurance, even minor medical issues can turn into major financial burdens. The German government, therefore, makes health insurance a legal requirement for anyone staying in the country for study purposes.
Who Needs Health Insurance in Germany?
Every student in Germany must have health insurance coverage. However, the type of insurance you need depends on several factors — such as your age, type of course, and country of origin.
Let’s break it down:
1. Students Under 30 Enrolled in Degree Programs
If you are under the age of 30 and enrolled in a full-time degree program at a recognized German university, you are required to have statutory (public) health insurance.
This is the standard and most affordable option for international students.
2. Students Over 30 or in Preparatory Courses
If you are over 30 years old or attending a preparatory course (such as a language or foundation course), you are no longer eligible for student rates under public insurance.
In that case, you must choose a private health insurance plan designed specifically for international students.
3. Students from EU/EEA Countries
If you are from an EU or EEA member state, or from a country that has a social security agreement with Germany, your European Health Insurance Card (EHIC) may be valid in Germany.
However, you’ll need to confirm with your insurer back home whether your coverage extends to Germany and what it includes.
4. Students from Non-EU Countries
Students from non-EU countries must obtain German health insurance — either public or private — as foreign insurance policies are generally not recognized for student enrolment or visa purposes.
Types of Health Insurance for International Students in Germany
Germany has two main types of health insurance systems:
- Public (Statutory) Health Insurance – “Gesetzliche Krankenversicherung (GKV)”
- Private Health Insurance – “Private Krankenversicherung (PKV)”
Let’s explore the differences in detail.
1. Public (Statutory) Health Insurance
Public health insurance in Germany covers about 90% of residents, including most students.
It’s a comprehensive, government-regulated system that provides broad medical coverage at standardized rates.
Coverage Includes:
- Doctor consultations and treatments
- Hospital stays and surgeries
- Prescription medications
- Preventive check-ups
- Maternity care
- Basic dental treatments
- Mental health support and therapy
Public insurance operates on the solidarity principle — everyone pays a fixed contribution based on income (for students, a discounted rate), and everyone receives the same level of care.
Advantages:
- Accepted everywhere in Germany
- Comprehensive and reliable coverage
- Easy enrolment process for students
- Direct billing (no need to pay upfront for most services)
Disadvantages:
- Slightly higher monthly cost compared to some private options
- No flexibility in choosing coverage levels or providers
Cost of Public Health Insurance for Students
As of recent years, the monthly contribution for students under public insurance ranges between €110 to €125 per month.
This includes both health and long-term care insurance contributions.
Popular Public Insurance Providers for Students:
- Techniker Krankenkasse (TK)
- AOK
- Barmer
- DAK-Gesundheit
- KKH
Each offers similar benefits, with minor differences in customer service, digital access, and additional perks.
2. Private Health Insurance
Private health insurance is typically used by:
- Students over 30 years old
- Students in preparatory or language courses
- Students ineligible for public insurance
Private health insurance plans are offered by private companies, and the cost depends on your age, health condition, and chosen coverage.
Coverage May Include:
- Doctor and specialist visits
- Hospital treatment and private rooms
- Dental care
- Vision care
- Travel and repatriation coverage
- Some plans even cover alternative medicine
Private health insurance can be cheaper at first, but costs may rise over time or vary based on your health status.
Advantages:
- Flexible coverage options
- Can be cheaper for short-term students
- Some providers offer special plans tailored for international students
Disadvantages:
- Reimbursement system (you may pay first and claim later)
- Limited acceptance for certain university requirements
- Difficult to switch back to public insurance once you choose private
Cost of Private Health Insurance
Private student health insurance can range from €30 to €100 per month, depending on the coverage and provider.
Cheaper options usually provide basic coverage suitable for short-term or language course students.
How to Choose the Right Type of Health Insurance
Selecting the right health insurance depends on your study duration, age, budget, and visa requirements.
Here’s a quick guide to help you decide:
| Situation | Recommended Insurance Type |
|---|---|
| Under 30, full-time degree | Public insurance |
| Over 30 or in preparatory course | Private insurance |
| Exchange student (EU/EEA) | European Health Insurance Card (EHIC) |
| Non-EU, short-term program | Private student insurance |
| Long-term degree student | Public insurance |
If you plan to stay in Germany for several years or pursue higher studies, public insurance is the most stable and reliable option.
For shorter stays or specific cases, private plans might be more practical and affordable.
Enrolment Process: How to Get Health Insurance in Germany
The enrolment process for health insurance is straightforward, but it must be done before your university registration.
Here’s a step-by-step guide.
Step 1: Determine Your Eligibility
First, find out whether you qualify for public or private health insurance based on:
- Your age (under or over 30)
- Type of program (degree, language, or preparatory)
- Your nationality (EU/EEA or non-EU)
Step 2: Compare Insurance Providers
Research various public or private insurance providers.
Look for:
- Student discounts
- English-language support
- Online application process
- Customer service availability
Public providers like TK, AOK, and Barmer have dedicated student services in English, making the process easy for international applicants.
Step 3: Apply Online
Most insurance providers allow you to apply online before arriving in Germany.
You’ll need to provide:
- Passport copy
- Admission letter from your university
- Proof of residence (if available)
- Bank details (for future payments)
Once your application is approved, you’ll receive a confirmation certificate (Versicherungsbescheinigung) — this is required for university enrolment and visa purposes.
Step 4: Receive Your Insurance Certificate
The insurance company will issue an official electronic certificate (M10 form) that’s sent directly to your university.
This confirms that you’re insured and eligible to enrol.
Step 5: Pay Monthly Contributions
After arriving in Germany, you’ll start paying your monthly contributions via bank transfer or direct debit.
Your insurance coverage begins from the official start date of your studies or the date specified in your contract.
Health Insurance for Student Visa in Germany
Before applying for a German student visa, you must show proof of adequate health insurance coverage.
The German embassy or consulate in your country will not issue a visa without valid insurance.
You can either:
- Enrol in a temporary private travel insurance plan that covers your initial stay (until you switch to a student plan), or
- Apply for your student health insurance before departure and present the confirmation letter with your visa documents.
Once in Germany, you’ll need to register your long-term student health insurance immediately to maintain legal status.
Switching from Private to Public Health Insurance
Switching from private to public insurance in Germany can be complicated. Generally, once you opt for private insurance, it’s difficult to return to public insurance unless your status changes (e.g., you start working as an employee).
If you’re eligible for public insurance as a student, it’s best to start with it from the beginning to avoid complications later.
Health Insurance After Graduation
After completing your studies, your student health insurance will no longer be valid. However, you can switch to another plan depending on your post-study situation:
- Job-seeking visa holders: You may need private insurance while looking for a job.
- Employed graduates: Must enrol in public employee health insurance (based on income).
- Self-employed graduates: Can choose between public or private insurance.
Always make sure your health insurance coverage continues without interruption, as gaps can cause administrative or financial issues later.
Tips for Managing Your Health Insurance in Germany
Here are a few practical tips to make your experience smoother:
- Always carry your insurance card — You’ll need it for every medical visit or pharmacy purchase.
- Register with a general practitioner (GP) — They will be your first contact for non-emergency health issues.
- Check for English-speaking doctors — Many university cities have multilingual medical centers.
- Know your emergency numbers — Dial 112 for emergencies in Germany.
- Inform your insurer if you move or change universities — Keeping your details updated ensures uninterrupted coverage.
- Keep receipts if privately insured — You’ll need them for reimbursement.
- Avoid unnecessary private treatments — They can be expensive and may not be covered.
Common FAQs About Student Health Insurance in Germany
1. Can I use my home country’s insurance in Germany?
Only if your country has a social security agreement with Germany (such as EU/EEA members). Otherwise, you must get German health insurance.
2. Is health insurance required for online or distance-learning students?
If you are living in Germany physically, yes — even if your program is online. If you are studying remotely from abroad, it’s not required.
3. Can I cancel my insurance if I go back home temporarily?
No, not unless you officially de-register from your university or leave Germany permanently.
4. Do insurance companies provide English support?
Yes. Most public and private providers have English-speaking staff and websites for international students.
5. Does health insurance cover dental treatment?
Public insurance covers basic dental care. For advanced procedures (like cosmetic dentistry), you may need to pay extra.
Final Thoughts: Choosing the Right Coverage for Peace of Mind
Health insurance is not just a bureaucratic step — it’s your safety net while studying abroad.
Germany’s healthcare system is among the best in the world, and as a student, you have access to it at affordable rates.
If you’re under 30 and in a degree program, public health insurance is your best and most reliable option.
If you’re older, in a preparatory course, or staying short-term, consider private student insurance for flexibility and savings.
Whatever your choice, make sure you enrol early, understand your coverage, and keep your insurance active throughout your stay.
This ensures peace of mind and full access to medical care — so you can focus on what really matters: your studies and your experience in Germany.
