INTERNATIONAL STUDENT INSURANCE:
If you are someone who is looking to pursue their studies from Germany, there is one aspect that you need to take care of apart from the entire application process itself. That is getting health insurance.
In Germany, Students Health Insurance And How To Choose The Best One is obligatory for all citizens, and by extension that is also a requirement for all international students.
When you first have a look at the resources online you might feel a little overwhelmed and not really figure out what it is that you need for your travels. Well, you don’t have to worry about it all as we have it all simplified for you.
Understanding The Eligibility Criteria
If you are enrolled in a degree program you are eligible for taking public health insurance, but if you are in a preparatory or language course or over the age of 30 you have to get one of the private health insurance plans offered by the country.
Public Student Health Insurance
Most students can easily enroll under public health insurance. This is the same insurance that covers a large number of German citizens and residents and is sustained by the monthly contributions people make. All you need to do is pay a certain monthly premium which is about €110 a month. This is actually a discounted price put in place for students.
How Much Does Public Student Health Insurance In Germany Cost?
As long as you are under the age of 30 and are enrolled in a degree course, you can enroll under a public and statutory health scheme. These schemes cost anywhere from €105.80 – €111.75 per month.
Here is a list of places you can get your public health insurance from;
- TK Techniker Krankenkasse – 105,80 €
- AOK Baden Württemberg – 107,29 €
- Barmer – 108,77 €
- DAK Gesundheit – 111,75 €
- KKH Kaufmännische Krankenkasse – 111,75
How Much Does Private Student Health Insurance In Germany Cost?
For students who are above the age of 30 and are not eligible to receive state-provided health insurance, need to subscribe to a private health insurance scheme Now, one thing that I would like to clear out here is that private health insurance in Germany is in no way inferior to public health insurance, provided you are able to choose the right company and plan. Your premium will be dependent on the plan that you end up selecting.
Read More: Private Health Insurance Cheaper In Germany
What Does International Student Insurance Cover?
Irrespective of which insurance you end up picking up i.e. public or private, there is a basic list of things that it will cover;
- Hospital treatment
- Doctor visits
- Prescription medication
- Hearing aids, wheelchairs, or other aids
- Cancer screening
- Dental check-ups
- Certain dental procedures, such as crowns and dentures.
This is just a basic list of amenities that will definitely be covered. Some companies even offer additional coverage at a higher premium. Additional amenities can include international travel insurance, liability insurance, contraceptive coverage and additional dental care.
Type Of Insurance You Need To Travel To Germany
Now, another question that must have crossed your mind at this time would be that you also need travel health insurance, as we have discussed in a previous blog. So, what is the difference between the two?
Student Travel Health Insurance
This is a short-term insurance plan that covers everything before your semester starts. This includes the moment you depart your home country all the way to the moment your semester is in session. As per Schengen’s requirements, the embassy will ask you for travel health insurance. Making this a major requirement for your German Student Visa.
Student Health Insurance
This is the long-term insurance plan that covers you for the entire duration of your stay in Germany and till you go back to your home country. This is actually a requirement that your university will ask you for when you enroll in the University.
So, What’s The Best International Student Insurance?
Well, that’s something that is dependent on a lot of factors but there is an easy way for you to figure it out. With Udrus you get not only access to the best possible resources to make your journey to Germany east. But also help you pick a comprehensive insurance plan for the duration of your stay.