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Everyone living in Germany is required to have a health insurance. For the enrollment you have to provide a proof of sufficient health insurance coverage.
Students who are statutorily insured in these countries, must apply in advance for a European health insurance card (EHIC) or equivalent documentation (Form E-111, AT 11, ATN 11 or BH6).
For Enrollment:
Nonetheless, you must contact a German statutory health insurance provider and request written confirmation that you hold statutory health insurance in your home country. This document must be presented with your enrollment documents.
A copy of your EHIC is not sufficient!
Students under the age of 30 may obtain insurance from any German statutory health insurance provider at a student rate (currently about 100 Euro for health and nursing care insurance), which includes all legally mandated benefits:
To register with a statutory health insurance provider, you will need your passport and university admission notification (Zulassungsbescheid). Student health insurance coverage will last until reaching 30 years of age.
You can secure insurance for the intended period of study from your home country, before arriving in Germany. You can then present confirmation of your health insurance together with your application for a visa.
For Enrollment:
Confirmation that you are insured with a German statutory health insurance provider: „Bescheinigung für die Einschreibung bei einer Hochschule“
If you obtain a private health insurance in Germany or wish to bring a policy from your home country, you must nonetheless contact a German statutory health insurance provider and obtain an exemption from the statutory health insurance obligation. Private insurance coverage will only be recognized if it corresponds to the minimum benefits provided by German statutory health insurance (see the list above).
For Enrollment:
Students under the age of 30 must contact a German statutory health insurance provider and obtain an exemption from the statutory health insurance obligation. This document must be presented with your enrollment documents.
A copy of your private health insurance is not sufficient!
However, if you do not qualify for statutory student health insurance - as a non-EU citizen over 30 years of age - you must seek private insurance coverage. Depending on the conditions of the contract and the benefits on offer, with private health insurance there is more variation in the cost of premiums. Should you choose private insurance, we recommend carefully comparing the prices and benefits of several health insurance providers. The differences can be substantial.