If you wish to study in Germany, you will need to have valid health insurance. We recommend you take out health insurance with one of the German statutory health insurance companies. For students, the monthly contribution for health insurance totals approx. € 80. We can gladly help you to arrange health insurance during the orientation programme.
If you have already taken out health insurance in your home country, please check whether it is also valid in Germany. The statutory health insurance companies are able to issue confirmation at any time.
Statutory health insurance companies include the AOK, Barmer, DAK, and TK. For students, health insurance costs approx. € 80 per month and covers the same essential health services. Unfortunately, you are no longer eligible for this student rate if you are over the age of 30. In this case, you have two options:
- Take out ‘voluntary insurance’ with one of the statutory health insurance companies (freiwillig Versicherte). The monthly fee will then be about twice as high as the student rate.
- Take out private health insurance in Germany.
Please note that if you choose to take out private health insurance when you commence your studies in Germany, you will not be able to switch to statutory health insurance during the entirety of your studies (from bachelor’s degree to PhD studies).
You are able to contact some of the statutory health insurance companies before you arrive in Germany to obtain information and application forms. Some of German health insurance companies also offer cover for the time before you commence your studies. If you are interested in this service, you are able to contact the health insurance companies directly for more information:
- AOK: jennifer.volland[at]by.aok.de
- BARMER GEK
- DAK: alexander.rosin[at]dak.de
- TK: uwe.faerber[at]tk.de
- Studentenwerk (health insurance before you commence your studies)
The German National Association for Student Affairs (Deutsches Studentenwerk, DSW) has published an illustrated dictionary containing preliminary information on healthcare in Germany.
The following providers also offer information in English:
For an overview of all statutory health insurance companies in Germany, please see www.gesetzlichekrankenkassen.de (German only).