Student Health Insurance in Germany: A Comprehensive Guide for 2025



If you are considering following studies in Germany, choosing the correct health insurance becomes vital not only from a legal perspective but also for your health. 

It's a labyrinthine process exploring the German healthcare system, especially for a foreign student. Students in Germany can have a look at the health insurance options that are in effect in the country as of 2025 in the outlined details.

Grasping the Student Health Insurance Requirements


Every student inGermany is obliged to show their health insurance when joining a university. The type of insurance needed always hinges on the person's nationality, age, and job status among other factors.

  • EU/EEA Students: An EU or EEA native will have a chance to use the health insurance they have from the home country until it is still valid in the territory of Germany. Usually, you must have a European Health Insurance Card (EHIC) and a certificate showing that you shall not be subject to the German mandatory health insurance. This document can either be brought or you can apply for it from any of the statutory health insurance providers in Germany.
  • Non-EU Students: Students who come from countries that have no social security agreement with Germany must get hold of health insurance that complies with the German standard. It may constitute statutory health insurance as well as private health insurance.



Why the Public Health Insurance Fund (GKV) is Suitable for Students

Ordinary health insurance is the choice for most students. Not only is it cheap, but it also offers students all-around coverage, which includes:

ü  access to a doctor

ü  hospital care

ü  meds under a doctor's prescription

ü  Preventive care

ü  Urgent care

As of 2024, the average monthly premium for students will range from €130 to €150, depending on the operator and your case. Some of the cheapest companies mentioned here are:

ü  BKK firmus: €129.28/month

ü  hkk Krankenkasse: €129.96/month

ü  Audi BKK: €130.13/month

ü  Techniker Krankenkasse (TK): €131.84/month

They recommend themselves as providers that guarantee the maintenance of a student's good health and are happy to help


Private Health Insurance for Students

There is private health insurance, which is a perfect option, especially for students over 30, postgraduates, or those with particular work situations. The private insurance companies can offer further benefits, for instance,:

ü  Quicker access to specialists

ü  Private hospital rooms

ü  Extra dental coverage

But with private insurance, the compensation may be substantially bigger, reaching a figure of €100 – €300 per month for the insurance

When you choose private insurance, it should be kept in mind that you cannot switch back to the statutory insurance in the process of your studies.

Exemptions from Statutory Health Insurance

Among other things, students can claim an exemption from mandatory statutory health insurance if they are:

ü  Over 30 years old

ü  Postgraduate students

ü  Self-employed students

ü  Students with private health insurance in line with the minimum standards of the German statutory health insurance

If you want to be exempt from insurance, you need to prepare the evidence of the protection of the same level and submit the application for an exemption to a statutory health insurance provider in Germany.


International Student Health Insurance Providers

The following suppliers cater to international students only:

ü  Swisscare: They are offering plans that start from €22/month and include such expenses as medical treatments, following a medical necessity, emergency assistance, and repatriation. Their offers are Geman-ensured and perfectly made for students, interns, and researchers.

ü  STU Insurance: They work together with top insurers like Allianz and DAK to give international students the opportunity to construct and likewise purchase the plans that are flexible and fit the needs of students in terms of coverage and cost. They guarantee hospitalization, outpatient care, and emergency services.

ü  DAK-Gesundheit: A statutory healthinsurance provider that offers student health insurance. They provide support in English language for obtaining the necessary M10 notification required for university enrollment.


Choosing the Right Health Insurance

When you are selecting the right health insurance in Germany, please consider the following:

ü  Eligibility: Make sure that the plan is appropriate to your specific health needs, according to your age, nationality, and employment status besides.

ü  Coverage: Be sure that the insurance not only covers general emergency medical services but in addition also doctor visits, hospital stays, and emergency care.

ü  Cost: Cost out of your own pocket can be constrained by a good match between the level of the premiums and the range of benefits offered.

Conclusion

Securing the right health insurance is crucial for your studies in Germany. 

Whether you choose statutory or private insurance, ensure that it meets German standards and provides comprehensive coverage. 

By understanding your options and requirements, you can focus on your studies with peace of mind, knowing you're protected in case of illness or injury.

 


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