Health insurance is mandatory for all students in Germany, and international students are no exception. Understanding the German healthcare system and securing the right health insurance coverage is crucial for your time in Germany. This guide will help you navigate health insurance options, requirements, and how to find the best plan for your needs.
Health Insurance Requirements for International Students
As an international student, you are required by law to have health insurance in Germany. You can choose from two types of insurance: statutory (public) health insurance or private health insurance. However, statutory health insurance is generally the best option for students.
- Statutory Health Insurance (GKV):
This is the most common and affordable option. The cost is around €80 – €100 per month, and it covers a wide range of medical services, including doctor visits, hospital stays, and prescriptions. - Private Health Insurance (PKV):
Private health insurance may be more expensive (typically €150 – €250 per month) and is generally only available to students over the age of 30 or students pursuing a postgraduate degree. It provides extensive coverage but can be more difficult to switch once selected.
How to Register for Health Insurance in Germany
- Choose an Insurance Provider: If you opt for statutory insurance, you’ll need to select a health insurance provider. Popular options include TK (Techniker Krankenkasse), AOK, and DAK.
- Provide Documentation: You’ll need to provide proof of your student status, passport, and residence permit to apply for health insurance.
- Register with Your Provider: Once you’ve selected a provider, you’ll receive a health insurance card that allows you to access healthcare services.
What Does Health Insurance Cover?
- Doctor visits: Visits to general practitioners (GPs) and specialists are covered.
- Hospital care: Inpatient treatments and surgeries are included.
- Mental health services: Access to psychological counseling and therapy is available.
- Prescriptions: You will need to pay a small co-payment for prescription drugs (around €5 – €10 per item).
- Emergency services: Ambulance services and emergency hospital visits are covered.
Tips for Health Insurance in Germany
- Apply early: Don’t wait until you’re sick! Apply for health insurance as soon as you arrive in Germany.
- Compare options: While statutory insurance is the standard, make sure you check whether private insurance might be a better fit for you (especially if you are a postgraduate student).
- Bring your card: Always carry your health insurance card with you when you go to a doctor or hospital.
- Use student discounts: Many health insurance providers offer special discounts for students, so always check for deals.
Conclusion
Having health insurance in Germany is a legal requirement, and it ensures that you have access to the healthcare you need during your studies. Make sure to choose the right provider and keep your coverage up-to-date.
Related Topics:
- Student Visa Process for Germany
- Cost of Living in Germany
Part-Time Jobs for International Students in Germany
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