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Everyone living in Germany is required to have health insurance. For enrollment you have to verify a sufficient health insurance. Before enrollment every student must consult with a German statutory health insurance provider and, depending on the student’s individual situation, apply for one of the following certificates.
The yellow boxes name the confirmations you need for enrollment!
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). In this case, insurance from a German health insurance provider would not be required.
Confirmation that you hold statutory health insurance in your home country
The premiums payable to all statutory health insurance providers are similar. Those who wish to study may obtain insurance from any German statutory health insurance provider at a student rate (currently about 90 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 the end of the 14th semester (all semesters completed worldwide are counted) or until reaching 30 years of age, whichever comes first.
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.
Confirmation that you are ensured with a German statutory health insurance provider
If you obtain 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).
Confirmation that you are not required to comply with the German obligation to carry health insurance
However, if you do not qualify for statutory 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.