Insurances

Health Insurance

Health Insurance for Exchange Students

Some countries health insurance schemes are recognised in Germany, so you may continue being insured in your own country. This will be cleared with the International Office when you arrive.

Health Insurance for international Fulltime Students

All students in Germany are required to take out statutory health insurance cover until completion of their 14th full semester, but only up to a maximun age of 30. If you meet these timing conditions, it has the positive consequence that the statutory health insurance funds must insure you at favourable student rates. The student rates for statutory health insurance currently amount to around 55,- EUR per month. You must pay your premiums to the health insurance fund before registering at your higher education institution.

A number of "Ersatzkassen" offer comparable statutory health cover.

Some countries health insurance schemes are recognised in Germany, so you may continue being insured in your own country. The decision rests with the AOK in the place where you are studying.

If you are older than 30 years of age on the date of arrival in Germany, you are strongly advised to insure yourself with a private health insurance company, since medical fees and hospital expenses are very high in Germany. In addition, you must prove that you have health insurance cover when you apply for a visa and/or matriculate or re-register at a higher education institution.

Accident Insurance

All students are insured against accidents at, on their way to and from their university by the statutory accident insurance scheme.

Liability Insurance

We recommend that you insure yourself with a private liability insurance company.