Students in Germany can take out private health insurance only in exceptional cases.
Our Health Insurance Service Explained
Public or Private Health Insurance Plans for Employees, Freelancers, Students & Visa Holders.
In brief:
- If you are employed and earn less than 64,350€ a year, you have no choice but choose Public Health Insurance - Sign up with TK for free now! [Add-on: Dental Insurance].
- If you are employed and earn more than 64,350€ a year, we recommend you to choose Private Health Insurance. Get a free quote from an independent insurance broker today!
- If you are unemployed, self-employed or currently looking for a job and you've just moved to Germany from a non-EU country, then you should sign up for Expat Health Insurance (limited to 5 years). Once you have a steady income, you can easily cancel and switch to Public or Private Health Insurance. Get expat health insurance now!
- If you are already a freelancer working in Germany with a steady income (more than 5,400€ a year), take out Private Health Insurance. This is often the only solution you have. Get a free quote from an independent insurance broker today!
- If you need health insurance to get a visa or residence permit then we recommend that you take out Expat Health Insurance. You can cancel anytime. Once you find a job in Germany, you can easily cancel and switch to public health insurance. Get expat health insurance now!
- If you are a university student under the age of 30, be sure to take out Public Health Insurance. TK has an incredibly affordable offer made just for students so be sure to take advantage of it! Sign up here. [Add-on: Dental Insurance].
- If you are in any other situation (job seeker, au pair, holiday workers, language student, guest researcher, tourist, etc.), we recommend that you take out Expat Health Insurance. This will not only make sure that you are covered in case of an accident, but it will also fulfil the legal requirement for living in Germany. You can switch easily to Public or Private Health Insurance at a later stage. Get expat health insurance now!
- Extra:
- Get Private Liability Insurance: It protects you against personal & property damage (third-party liability).
- Take out Home Contents Insurance: All your belongings (home contents) are insured in your main residence.
- Sign up for a Dog Liability Insurance: It covers you against physical or material damages your dog might cause to others.
PUBLIC HEALTH INSURANCE
As a foreign student in Germany, you must insure yourself with a statutory health insurance if you are under the age of 30 (until you reach your 30th birthday or until your 14th term of study). After that, you can still choose the public health insurance but on a voluntary basis.
Become a member of TK
Welcome to TK – the largest health insurance fund in Germany.
Fill in the online application in English and become a member of TK, named Germany’s best health insurance fund for 15 years in a row.
Do you need a Supplementary Dental Insurance?
When it comes to dental treatments, public health insurance generally covers the bare minimum. By signing up for a dental insurance (from only 9€ a month), you’ll have access to the best treatments at any time.
This is only available for patients who have public health insurance in Germany.
PRIVATE HEALTH INSURANCE
Foreign students enrolled at German state universities, state colleges and universities of applied sciences who are privately insured (for whatever reason) but have not yet reached the age of 30 will require a waiver from the public health insurance. Afterwards, taking out insurance with a statutory health insurance fund will no longer be possible.
PRIVATE HEALTH INSURANCE
Foreign students enrolled at German state universities, state colleges and universities of applied sciences who are privately insured (for whatever reason) but have not yet reached the age of 30 will require a waiver from the public health insurance. Afterwards, taking out insurance with a statutory health insurance fund will no longer be possible.
Free Quote - Free Consultation - Free Application
BProtected is a fully licensed, independent & experienced health insurance broker offering customer-friendly and personalized advice on every aspect of the German health coverage. They can help you find the option that best fits your budget and meets your needs.
THE ANMELDUNG
If you don’t have a German address yet, you cannot become a member of a public health insurance company. By law, you first need to do your ‘Anmeldung’. Once your residence is registered, you can take out public health insurance.
Fill In Your Anmeldung Form
EUROPEAN HEALTH INSURANCE CARD (EHIC)
You will have to use your EHIC to register with a statutory health insurance fund in Germany. The insurer will then provide a confirmation for the enrollment at the university.
EUROPEAN HEALTH INSURANCE CARD (EHIC)
You will have to use your EHIC to register with a statutory health insurance fund in Germany. The insurer will then provide a confirmation for the enrollment at the university.
EU nationals:
Doctoral students (PhD) financed through a scholarship can take out public or private health insurance.
If you have a valid health insurance coverage from an EU
country, you are exempt from closing a health insurance contract in Germany.
You have to present your national insurance card to one of the public health insurance
funds (i.e. TK) to obtain a certificate proving that coverage is provided from another
EU country.
Become a member of TK
Welcome to TK – the largest health insurance fund in Germany.
Fill in the online application in English and become a member of TK, named Germany’s best health insurance fund for 15 years in a row.