Students Health Insurance In Germany And How To Choose The Best One

Health insurance in Germany is mandatory for everyone, this includes the citizens as well as any person travelling from another country. As a matter of fact, you can’t even get a German study visa till the time you show proof of owning health insurance .

Today we will be highlighting everything that you need to know about health insurance in Germany to prepare for your move.

A Look Into The German Healthcare System

There are two options from which one can pick their Health insurance in Germany. They are :

  • Public Insurance
  • Private Insurance

1. Public Student Health Insurance

If you are someone who is under the age of 30 and enrolled in a degree program at a German University then you would be able to register with a public health insurance provider. This will make you a beneficiary of the statutory health insurance scheme.

This insurance will cover all the costs in relation to any health issue that may arise during your stay like a visit to the doctor, medication, treatment, rehabilitation, screening examinations, and all the basic dentist treatments.

Cost Of Public Health Insurance in Germany

Public health insurance for students has actually been put into place at a discounted price. Which means that you pay less than what you might end up paying if you were on a work visa. The premium is usually about €110 a month. But this is also dependent on the health insurance provider you end up picking.

Some of the most well known ones are:

  • TK Techniker Krankenkasse – €105,80
  • AOK Baden Württemberg – €107,29
  • Barmer – €108,77
  • DAK Gesundheit – €111,75
  • KKH Kaufmännische Krankenkasse – €111,75

2. Private Health Insurance in Germany

As not everyone is eligible to get public health insurance there are private health insurance providers who step into place. So, who does not qualify for private medical insurance in Germany ?

  • Students who have purchased health 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 in one of these categories you automatically need to get private health insurance in Germany.

Read More: How Do I Get Health Insurance In Germany?

Cost of Private Health Insurance in Germany

There are multiple plans that you can choose from when you are getting private health insurance for yourself. They vary with the number for perks that you end up receiving and can begin with prices as low as €33 per month. But again there are certain things that you need to ensure that your plan covers. This includes;

  • 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

Your plan needs to cover all of these things at the minimum or it might not even get recognized when you apply for a visa.

Read More: Is Private Health Insurance Cheaper In Germany?


Which One Should You Choose?

If I’m being honest there is not much difference between the two kinds of insurance available. There are certain perks that are associated with private health insurance but at the same time, you do need to pay for them.

If you are someone who is eligible for public health insurance, you can always get some elements of the private health insurance added to your cover. There are also some instances in which you will find that private health insurance can grant you access to benefits like a higher level of care, shorter waiting times, and other additional services. But again these might also end up costing you a little more.

The healthcare system in Germany is actually one of the most efficient in the world and so you would be hard-pressed to find too many differences between the two covers.

So, in the end, it is all about what you feel will end up serving you better. You can always get expert help from platforms like Udrus. The experts there not only help you with getting into the university of your dreams but also provide you with the right guidance to pick the right comprehensive student health insurance plan.

Moving to a different country is a big decision but it does not have to be a complicated process. Start a conversation with the expert at Udrus today to ensure a better process during your move.