Your health insurance monthly premium will cover you and your non-earning dependents like your spouse or your children. The good thing about Ph.D. students is that their risk is not highly calculated as they are still young and in good health, therefore pay less for getting into private health insurance schemes. When students take work in Germany, they need to be aware of how it could affect their health insurance and tax position. The German Krankenkassen-Zentrale offers a summary of current test results (German language: “Berufsunfähigkeitsversicherung im Test”) about the occupational disability insurance, for instance. To a larger degree, this depends on the university’s own policy, so we suggest you contact them in person for details. 7. Get GERMAN STUDENT INSURANCE The uncomplicated insurance for foreign students in Germany. All international students in Germany are required to have insurance during their stay. Below we’ve provided all the information refugees must have prior to seeking insurance in Germany: It all begins with knowing where to make a request for seeking health insurance. If you are from a non-EU country and you’re planning to stay in Germany for a longer period of time, you will need to get the compulsory health insurance from licensed insurance companies in Germany. One of the German health insurance companies most exhange students choose is DR-WALTER. With this being said, if you don’t have a health insurance, you’re actually breaking the law. Nursing and medical treatment for pregnant women (including remedies), Medical assistance for women who just gave birth (including remedies). You’re free to submit a university application without being health insurance ahead of your landing in Germany. Make use of the time now. When you get your health insurance plan you basically sign a contract with the Krankenkassen company and as any other contracts, it has its own conditions and terms. A private health insurance, on the other hand, it usually covers only the applicant who has been taking the insurance. Students who are not enrolled in degree programmes in Germany (e.g: preparatory or language courses). The majority of exchange students in Germany choose a private insurance plan customized for them because they are more comprehensive in terms of coverage. A refugee is supposed to undergo regular medical check-ups to come up with a conclusion over his health situation. If needed, the team of medicals at the reception center may require the subject to undergo further analyzes to examine their health problems into more details. Self-employed persons, freelancers, civil servants, employees with a very high income (income exceeding 57,600 €; data referring to the year 2017) and students. 8. If you are in a hurry, use this online checker to see if you meet the conditions: In our guide below, we’ve covered everything you need to know about choosing the right plan for the nature of your stay and your condition. Registering now ensures smooth enrollment process. The figures are per-capita expenditure, i.e. As mentioned, degree students up to the age of 29 can get public health insurance such as the statutory health insurance fund Techniker Krankenkasse. Foreign students in Germany are required to have health insurance during their studies, by German law. Students can get either the compulsory insurance or private health insurance. Similar to other insured citizens, refugees must share a percentage of their earnings to cover their health insurance. Because, DR-WALTER in cooperation with TK has developed an online consulting tool which will not only help you identify your insurance needs but, also will allow you to directly apply for insurance. As a result, they will be eligible to register with statutory health insurance providers. In cooperation with Techniker Krankenkasse we have developed an insurance solution which enables students in Germany to insure themselves as quickly, easily and unbureaucratically as possible: GERMAN STUDENT INSURANCE, consisting of a private health … Health insurance for … Your GKV health insurance it doesn’t cover any medical treatment in a private hospital, a private doctor or surgeon, specific dental care. First, every citizen is charged with the same basic rate premium for his/her health insurance that guarantees that everyone contributes same and consequently gets the equal medical treatment. International students in Germany enrolled in a degree programme in most cases are eligible to obtain low-cost public insurance. Health insurance is also mandatory for all employees and students in Germany, so you will not be able to start working or studying without it. This includes any private treatment you were not able to pursue in your homeland, any advanced dental care and so on. Overview 2. What if I am an expat and I don’t know German? Does my insurance plan cover me when I’m home on holidays? It is Germany’s major social health insurance fund with more than 8.8 million insurees. All employees subject to social insurance contributions pay into the statutory health insurance and the statutory pension insurance, which rank among the largest personal insurances in Germany. If occupational disability is determined, the occupational disability insurance pays the stipulated insurance sum, the so-called disability pension. Experts recommend adapting the scope of insurance cover to the individual requirements. For more information about this kind of insurance, make sure you check out PROVISIT by DR-WALTER. Public health insurance contributions for … 9. Compiling your insurance portfolio, you should consider very carefully which insurance policies are economically reasonable and affordable for you. At its best, the European Health Care System is designed to cover the insurer’s basic medical needs while being in a foreign country. Currently, the basic premium rate the public health insurance charges is 14.6% of your gross income. One thing you are required to have if you’re coming to Germany to work as a researcher or guest scientist is an insurance plan. Below is the exact list of German states that do and do not offer such cards to their immigrants, These states have implemented the health insurance card for refugees. This applies only to students who are under 30 years of age and haven’t finished their 14th semester. You must have insurance card if you have to visit a doctor. The application process is easier if the applicant has a well-defined civil status (for example a refugee in protection or an asylum seeker). PhD students who are staff members of the university. You receive comprehensive health services like medicine cost absorption, choice of hospitals and fixed allowances for dental prosthesis as well as exclusive additional services with added financial value. There’s no need to worry about this. You need proof of health insurance to get enrolled at a Germany university and to get your student visa. Understanding the organization and the way it functions is very important before seeking a health insurance. False! The private third-party liability insurance covers damages which are due to careless action, thoughtless behavior or missing performance of duties. Individual states that comprise the country of Germany set their refugee health insurance policy on their own. Insurance card will be ready by the time you reach Germany. 10. How much is public health insurance for international students in Germany? Note that the German health care system may still apply when you’re abroad. Ph.D. The German Health insurance for Refugees covers less medical services than normally insured citizens. You must have health insurance. If you want to cover any member of your family you have to get an EHIC for each of them. Short-term insurance policies can be taken out for one particular holiday trip, whereas long-term contracts cover all travels during a period of 12 or more months. However, those who are over 30 years of age should look for private health insurance providers. Insurance policies covering risks often include equities, which influence the amount to be paid out on the due date. However, if an EU/EEA student is doing a student job or paid internship in Germany, they have to be insured with, Health insurance for international students costs from, with a public health insurance provider, and it covers basic healthcare as well as, (€103.94 per month for students up to the age of 22), KKH – Kaufmännische Krankenkasse 111,75 €, can get public health insurance such as the statutory health insurance fund, Health Insurance for Preparatory Course Students in Germany, Health Insurance for Language Course Students in Germany, Health Insurance for Exchange Students in Germany, Getting health insurance as an exchange student in Germany is pretty simple. The travel health insurance does not only pay for the illness costs but additionally bears the costs of the medically required return transport to Germany. When getting to the hospital you have just to show them your European Health insurance Card (EHIC) and they will take care you get the necessary medical care. There’s a nationwide basic premium rate for the public health insurance, which is the same for every citizen no matter his/her income. Germany requires all students in Germany to have insurance, including foreign students, guest researchers, and language course students. This wide range of policies which is rather confusing for non-professionals bears the risk of over-insurance. When it comes to health, you are on the safe side with us. For example, back at home, your health insurance may cover numerous medical needs, but in Germany, there are limited medical services covered by your insurance provider. 4. When signing up with a particular Krankenkassen (health insurance provider) you will be a member of their insurance scheme for 18 months. Most doctors and pharmacists in Germany know English or any other language so communication won’t be any problem and you will address your health concerns easily. Private insurers make adds a significant contribution to the doctors’ supplemental incomes and so they pay greater attention to their privately insured patients. Health Insurance For Foreign Students In Germany, Health insurance for language course students in Germany, Health insurance for preparatory course students, Health insurance for guest workers and guest scientists, Health insurance for International Ph.D. Students/Candidates in Germany, Inpatient care (rehabilitation in a hospital). On the other hand, whether you choose public or private health insurance is upon your decision and it depends entirely on your earnings. Many German universities require you to enroll in a preparatory course and pass the final test before you can begin studying and attending lectures in the normal university program. Finally, they set a time limit after which you’re no longer entitled to the health insurance program in Germany. To solve this problem, the German government (Die Bundestag) initiated a medical reform under which everyone would be paying for their insurance. The accident insurance is applicable, if the insured person’s health is severely impaired either by permanent disability or a long recovery process as a consequence of an accident. It is mandatory to have health insurance in Germany. After you receive the admission letter, the university is supposed to give you the necessary information around relevant issues relating to your staying in Germany as an international student. Once you get admitted and land in Germany you must seek your health insurance plan. If you’re an EU/ EEA and Switzerland citizen and entitled in your country’s public health insurance framework then you can seek health care in Germany if you end up sick. The first place the refugee need to address his/her health issues as a refugee is the immigrant center where he/she is registered. The importance of student health insurance in Germany is twofold. vacation) to the states of the European Union, along with Switzerland, Liechtenstein, Norway, United Kingdom and Iceland. All Rights Reserved | Impressum | Privacy Policy | Cookie Policy | Terms and ConditionsDisclaimer: Although the information on this website has been prepared with utmost care, we can not accept any responsibility for inaccuracies contained herein. You can rely on TK – as a modern service provider and with the backing of a big social health insurance fund. The card came as a replacement for the E111 certificate which basically had a similar intention as the EHIC. A regular insurance check is therefore highly recommendable to ensure your financially and individually suitable insurance protection at all stages of life. Attention: It is important to know that only damages caused to third parties (not to your spouse e.g.) In Germany, you have two options, one is the public insurance that everyone gets but only covers the basic health-related problems, and the second option is private insurance that can be customized depending on your needs. You can also purchase additional insurance coverage from a private company. Otherwise, enrollment is impossible! Depending on your destination the usual health insurance may not be applicable during your holiday. Students over 30 years old, language and preparatory course students, PhD students, and guest scientists, however, only have the possibility of getting private health insurance. It is possible for these students to rely on their European Health Insurance Card to cover healthcare services. This time limit is usually two weeks or so. Being insured under the GKV scheme you’d expect to have basic medical assistance if you’re caught by surprise by an illness in some particular countries, but that’s all. We are thus growing more than other health insurance funds. However, exchange students are usually part of degree programmes which means that they will be eligible to take up. PhD students who are not staff members of the university. While you are living and studying in Germany, you are tied into the German healthcare system. 12. Click here to learn more about public health insurance at TK. Your only option is to get private health insurance with one of the private Germany student health insurance providers. A further indication of the well-structured body, are health insurance options. Under their umbrella are several other self-governing institutions that take care of delivering these sorts of services to the people. The healthcare system in Germany. Many insurance policies depend on the degree of occupational disability: the higher this degree, the higher the amount paid out to the insured person. It not only ensures you in situations requiring medical assistance, but it is also an essential requirement in order to be granted a study visa for Germany. Health is precious. Some of most reputable language schools offer language learning courses and programs that require you to stay for a few weeks or months in Germany, and because you’re essentially going to live there, the German law requires you to have insurance. Cross-Border Care, Travel Insurance and Evacuation Benefits 8. It is estimated that more than 87% of the population in Germany have their health insurance covered. The intention behind the introduction of the mandatory health insurance in 2007 was that every citizen has the basic medical needs covered by its GKV health insurance. This normally applies in specific circumstances, for example, in emergency cases, or you need a treatment because you get acute symptoms or you’re an expectant other. First things first. 8 Steps to Study in GermanyHow To Apply To Study in GermanyGerman Education SystemRequirementsUniversities in GermanyInternational ProgrammesFinancing Your StudiesGerman Student VisaGerman Health InsuranceGermany Blocked AccountLearn German GuideGerman CitiesCost of LivingGerman Culture. According to statistics, 70 % of the accidents occur in leisure time. Exchange students are usually in Germany for a short period of time, typically one semester. How long can I stay without being insured? The health insurance through S1 is very common for retirees or for family members of a migrant worker. After a refugee lives in Germany for this period of time he/she is entitled to the German insurance and social assistance scheme. In general, insurances can be sub-divided into two large types: the personal insurances on the hand and the property insurances on the other hand. Until now, the majority of the German federal states have accepted such health insurance scheme for foreigners residing in the country with a specific status. These refugees mostly come from areas of conflict like Syria, Iraq and Afghanistan and because of this a large number of them are either injured or have some kind of illness. Since proof of German health insurance is required for your student visa application, this insurance solution is recognized by all official bodies, meaning you will get an immediate confirmation document that you can use as proof of your health insurance. Additionally, they should make sure to check with their health insurance provider in order to find the services they will be entitled to once they arrive in Germany since there is a possibility that the health insurance company from their home country will not cover all costs in Germany. It wholly depends if there’s any agreement between respective states, therefore your country and Germany. A private health insurance is suitable for those persons who are not subject to statutory compulsory insurance such as e.g. In terms of tariff and insurance provider there are a number of other factors to check. Once you find the one it suits you must initiate the process of the health insuring by contacting your chosen provider. Health Insurance for PhD Students in Germany, Visa for the Recognition of Professional Qualifications, Visa for Cultural, Film Crew, Sports, and Religious Event Purpose, Visa for Spouse / Relatives of EU / German Nationals, Family Reunion Visa to Join a Relative or Partner, Health Insurance for International Students, Health Insurance for Guest Scientists & Researchers, Health Insurance for Refugees/Asylum Seekers, Health Insurance for Language Students in Germany, Germany Health Insurance for Visitors, Tourists & Expats, Schengen Travel Insurance for Visa Application, Health Insurance for Scientists & Researchers in Germany, Health Insurance for Foreign Employees in Germany, Insurance for Asylum Seekers & Refugees in Germany, Health Insurance for Freelancers in Germany, Permanent Residence with a Settlement Permit for Foreign Graduates from German Universities, Germany Residence Permit for Family Reunion, Integration courses: Learning German and much more, Immigration to Germany – Everything you need to know about Moving to Germany, Germany Increases EU Blue Card Minimum Salary Requirements, 2019: Germany Issued Highest Number of First Residence Permits for Family Reasons in EU-27, Arrivals to Germany to Self-Isolate for 10 Days Instead of 14, From November 8, Germany Declares Belgium, Iceland & Regions of Other EU Countries As COVID-19 High Risk, German Travel Advice to Expire on Oct.1 – Country-Specific Travel Warnings to Be Introduced, Germany Entry Restrictions in Response to Coronavirus. Further on you can switch between them easily. In such an event the third-party liability insurance covers these costs. are insured. You need proof of health insurance to get enrolled at a Germany university and to get your student visa. Sick Pay Insurance 7. You must have a thing clear from the very beginning, health insurance is mandatory by law in Germany. Coronavirus: What to Do If You Get Stuck in Germany? You do not have to find out yourself whether you can take out TK student insurance in order to insure yourself for your stay in Germany. It depends on the type of health insurance you’re holding. Your EHIC card is not an alternative to your travel insurance. Over the years, these costs may amount to hundreds of thousands of Euros. BARMER GEK is one of the largest statutory health insurance providers in Germany. On the other hand, the GERMAN STUDENT INSURANCE by DR-WALTER is a customized insurance plan for international students in Germany. These days you can compare private insurance plans and get one customized for you online. Around 24 million people are insured under the regional 11 AOKs – close to a third of the German population. Additional information for self-employed or non-employed persons 6. The law in Germany requires everyone to have health insurance, including international students. Also, note that countries’ health insurance policy, including here Germany, toward a foreign country change depending on the country. Depending on your health conditions, you may choose a plan that is tailored to you. 1. The third-party liability insurance, the insurance on household contents, the fire insurance, the residential building insurance and the automobile liability insurance are the most important property insurances. This law states that every resident in Germany, including international students, must be medically insured regardless of their income. Today, the German health insurance system is one of the most modern in terms of quality, effectivity, organization, and coverage. It meets all German study visa requirements, Acceptable by all German Embassies/Consulates. Fortunately, the current legal regulations are shown to be very flexible, giving the immigrants an opportunity to seek more specific medical aids if needed. Studying-in-Germany.org is the largest information portal about studying in Germany for foreign students. As official statistics show, over 700,000 refugees have been registered at the Federal Office for Migration and Refugees (BAMF) in Germany during 2016. Health Insurance For Language Course Students, Health Insurance For Preparatory Course Students, Health Insurance For Guest Workers And Guest Scientists, Health Insurance For International Ph.D. Students / Candidates. Great benefits, expert advice and customer service tailored to your needs and interest. But students in Germany are also assigned for another type of insurance, the long-term care insurance. What if the refugee has an acute illness and needs urgent medical interventions? Also, take care of exactly knowing what your insurance covers abroad if you don’t want to go beyond that and end up paying too much. Simply get to your health insurance provider in the country you reside and ask if your EHIC card covers in the country where you’re about to go or seek an S1 form to register for a local health insurance company in the country you’re visiting. Below are some important notes everyone holding this health insurance card must be aware of: Your EHIC card can be pursued in your home country and can be issued by your statutory health insurance provider. This is very important because there are many individuals that have an unknown medical background and may impose a threat to the community. We publish news about the latest German higher education system changes and education policy updates, as well as a vast amount of informational content, articles, and research about studying in Germany for international students. For example, if you need dentures, TK only pays a part of the whole sum (after you have submitted an application to TK). 2. For their physical and mental health, having a proper medical and psychological treatment is more than crucial. Surely, your insurance will only cover basic needs until your relative can return home for further rehabilitation. TK student insurance does not only include the benefits you are usually offered by German health insurance providers. Except the insured person’s deductible, the travel cancellation insurance covers the remaining travel costs including the cancellation fee. As a huge and complex entity, the German health insurance system is encircled by a number of actors. This is generally what I’m referring to as student health insurance in Germany. Health Insurance for Foreign Students in Germany. However, note that under new reforms introduced in 2019, health insurance providers in Germany are allowed to charge a supplemental premium which can be at maximum 0.9% of your income. You need student health insurance? In case you need private health insurance in addition to statutory health insurance, e.g. Instead, they should register with a private health insurance provider and they only can register with public providers once they are enrolled in a degree programme or find work. However, since these students are not yet enrolled in their degree programme, they cannot register with a provider of public health insurance for international students and will have to get a private health insurance plan. As mentioned, not every German state offers health care insurance cards to refugees. 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