Health insurance is mandatory for all international students in Germany. You will need to provide proof of health insurance coverage before you can enroll in a German university and apply for a residence permit.
There are two main types of health insurance in Germany: public and private. Most international students are eligible for public health insurance, which is generally more affordable than private health insurance. However, private health insurance may be a better option for some students, such as those who are over 30 years old or who have pre-existing medical conditions.
Public Health Insurance
Public health insurance is provided by a number of different companies, known as Krankenkassen. The cost of public health insurance is around €110 per month. This includes coverage for doctor’s visits, hospital stays, and prescription medication.
To apply for public health insurance, you will need to contact a Krankenkasse directly. You can find a list of Krankenkassen on the website of the German National Association of Statutory Health Insurance Funds (GKV-Spitzenverband).
Private Health Insurance
Private health insurance is generally more expensive than public health insurance, but it may offer more comprehensive coverage. For example, private health insurance may cover dental care, travel insurance, and repatriation costs.
To apply for private health insurance, you will need to contact a private health insurance company directly. You can find a list of private health insurance companies on the website of the German Insurance Association (GDV).
Which Type of Health Insurance is Right for Me?
The best type of health insurance for you will depend on your individual circumstances. If you are under 30 years old and have no pre-existing medical conditions, public health insurance is likely the most affordable option for you. However, if you are over 30 years old or have pre-existing medical conditions, you may want to consider private health insurance.
You can also compare different health insurance plans using a comparison website such as Check24 or Verivox.
Here are some additional things to keep in mind when choosing health insurance:
- Make sure that the insurance company you choose is reputable and has a good track record.
- Read the terms and conditions of the insurance policy carefully to make sure you understand what is covered and what is not.
- Consider your budget and choose an insurance plan that you can afford.
Once you have chosen a health insurance plan, you will need to provide proof of coverage to your university and to the immigration authorities.