Is Private Health Insurance Cheaper In Germany?

Since you’re moving to Germany to study, you’ve probably already figured out what you’ll need. And you must have realized that having student health insurance is indeed a requirement in them. For someone searching for the first time, the variety alternatives may appear to be incredibly perplexing.

But you don’t have to worry. We have compiled all the information that you need to make an informed decision regarding the insurance that you should pick.

What Are My Available Options?

In Germany, you can pick from one of two options in terms of insurance. The two options are:

  • Public Health Insurance
  • Private Health Insurance

As per the law in Germany, every citizen, as well as foreigners traveling to the country, need to have health insurance before they even apply for a visa.

Public Health Insurance

If you are a student under the age of 30, who is enrolled in a degree program at a German University, you have the option of registering with a public health insurance provider. Making you a beneficiary of the statutory health insurance scheme.

The insurance provider covers all the costs pertaining to your health issues like the cost of a visit to the doctor, medication, treatment, rehabilitation, screening examinations, and all the basic dentist treatments.

Who is Not Eligible to Apply For Public Health Insurance?
There are certain categories of people who do not qualify for public health insurance. They are;

  • Students who have purchased medical insurance in their home country which is recognized in Germany.
  • Students who are above 30 years of age
  • Students who work as freelancer and/or are self-employed
  • Foreign nationals who are not enrolled in degree programs instead are in preparatory or language courses
  • Researchers and Guest Scientists
  • PG students and students who are scholarship holders (in the absence of a contract of employment)

If you fall under any of these categories you automatically need to get private health insurance.

Read More: 4 Best Tips For German Health Care System

Private Health Insurance in Germany

Private health insurance is the only option for a large number of people as they are deemed ineligible to get public health insurance. Private health costs in Germany vary and can begin at prices as low as €33 per month.

But as a student, there are certain things that you need to ensure that your insurance plan covers. These include;

  • In-patient hospital care.
  • Out-patient care.
  • Regular medical check-ups.
  • The cost of medications.
  • Basic dental care.
  • Pregnancy treatment.
  • Emergency services (ambulance)
  • In case of death:
    ● Repatriation of remains
    ● Funeral costs

In case your insurance does not cover all of these, it is not recognized.


Which is a Cheaper Option?

Well, private health plans might seem like the cheaper option but the truth is that there are various other factors that determine the final cost. Things like pre-existing conditions, the duration of your stay, and your age are big factors in determining the end premium amount.

Read More: Student Health Insurance in Germany


What Is The Difference Between Public And Private Insurance Providers?

Generally, there are hardly any differences between the two.

However, if you feel like your public health plans does not cover every aspect of your health then there are certain instances in which you can add private elements to your cover (at an added premium)

Private healthcare can, in certain situations, lead to a higher level of care, shorter waiting times, and other additional services. There is also the added advantage of a wider choice between hospitals.

But since the healthcare system in Germany is so good, you find much of a difference between the two apart from some of these additional perks.


Which Health Insurance Provider Should I Pick?

So, even though private health insurance might seem like the cheaper option Your first choice should always be to pick public health insurance.

But it is understandable if you feel overwhelmed when you have to figure out which insurance plan you should pick.

To make all of this easy for you, Udrus is there to help. With this platform, you not only get the opportunity to study at the best possible universities in Germany without the added struggle but you also find yourself on a simplified path to picking the most comprehensive insurance plan for your stay in Germany.

So, this is what I believe you should know when you are planning to move to Germany for your Studies. Understand your situation and only then get an insurance plan.

Read More: 5 Tips To Pick Best International Student Insurance