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Health Insurance

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 from EU and European Economic Area countries, Bosnia-Herzegovina, Macedonia, Montenegro, Switzerland, Serbia, Tunisia and Turkey

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.

For Enrollment:
Confirmation that you hold statutory health insurance in your home country


Students from other countries must obtain statutory or private health insurance.

Statutory health insurance

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:

  • Treatment by doctors or dentists, including dental prostheses
  • Medications, dressings, remedies and aids
  • Treatment in a hospital
  • Screening tests
  • Prenatal and postnatal care
  • Long-term care 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. 

For Enrollment:
Confirmation that you are ensured with a German statutory health insurance provider

Private health insurance

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).

For Enrollment:
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. 

German statutory health insurance provider

AOK Nordost - Student Service

Andrea Schmidt
Brandenburger Straße 72
14467 Potsdam
Fon: 0800-265080 36087

andrea.schmidt@nordost.aok.nomorespam.de

Open:
Mon
10:00-14:00 h
Thu
10:00-16:00 h
Thu
10:00-14:00 h

Techniker Krankenkasse (TK)

Bernd Hofer
Neues Palais, house 22, room 0.21
Fon: +49 151 57117914

bernd.hofer@tk.nomorespam.de

Open:
Tue  11:00-15:00 h
Thu 10:00-12:00 h

BARMER | Beratung für Studenten

Nico Huber
Friedrich-Ebert-Straße 8, 14467 Potsdam
Fon (DE): 0800 3331010
Fon (ENG): 0800 3330060

nico.huber@barmer.nomorespam.de

Open:
Mon-Thu 09:00-18:30 h
Fri 09:00-16:00 h

DAK Gesundheit

Yorckstraße 22, 14467 Potsdam
Fon:
+49 331 5810700

service727300@dak.nomorespam.de

Open:
Mon-Tue
08:00-16:00 h
Thu 08:00-17:00 h
Fri 08:00-13:00 h

Do not forget!

Before your studies end:

If you have signed up with a German health insurance, you must cancel your contract. Please keep in mind that cancellation periods of up to several months may apply.