Statutory Health Insurance (Gesetzliche Krankenversicherung)
Most students in Germany are covered by statutory health insurance (gesetzliche Krankenversicherung). This insurance provides comprehensive basic medical care and is cost-effective compared to private insurance. The monthly contribution is approximately 110 euros for students under 30 years old or until the 14th semester. Statutory health insurances cover the costs of doctor visits, hospital stays, medications, and certain preventive examinations.
Private Health Insurance (Private Krankenversicherung)
Private health insurance offers an alternative to statutory health insurance, especially for older students or those who were privately insured before their studies. Private insurances often provide more extensive benefits and greater flexibility, but are generally more expensive. The monthly contribution varies greatly and depends on age, health status, and the scope of benefits. Before switching, one should carefully weigh the long-term costs and benefits.
Insurance Obligation (Versicherungspflicht)
All students in Germany must prove that they have health insurance (Krankenversicherung) to enroll in a university. This also applies to foreign students. Without valid health insurance, enrollment is not possible. At registration, a certificate from the health insurance must be submitted, confirming that the student is insured.
Transition from Family Insurance to Own Insurance
Until the age of 25, students can generally remain covered under their parents’ family insurance if they are statutorily insured. After reaching 25 years of age or if certain income thresholds are exceeded, they must take out their own health insurance (Krankenversicherung). Usually, this involves switching to student health insurance from statutory health insurances.
Supplementary Insurance (Zusatzversicherungen)
In addition to the basic insurance, students can take out supplementary insurances to cover additional services. This includes dental supplementary insurances, international health insurances, and hospital supplementary insurances. These insurances are optional, but can be useful to extend the coverage.
Health Insurance for Foreign Students (Versicherung für ausländische Studenten)
Foreign students also require health insurance in Germany. EU citizens can typically use their European Health Insurance Card (EHIC) to receive medical services in Germany. Non-EU citizens must either obtain a German health insurance policy or present a private health insurance plan from their home country that is recognized in Germany. It’s essential to check the requirements of the respective university and German authorities.
Changing Health Insurance
Switching health insurance is generally possible, but subject to certain conditions. Students can change their insurance at the end of the insurance year or in case of a premium increase. A notice period of two months must be observed. Switching from private to statutory health insurance is usually only possible under certain conditions, for example when transitioning from private to a statutory family insurance.
Contributions and Costs (Beiträge und Kosten)
The costs for health insurance vary depending on the type of insurance. Statutory health insurance for students costs about 110 euros per month. Private health insurances can be more expensive depending on the range of services and individual risk profile. Additionally, costs for supplementary insurances may apply. Students should compare the different options and consider their financial situation.
Consultation and Support (Beratung und Unterstützung)
Students can contact the student services or the counseling offices of the universities for questions regarding health insurance. They provide information and support in choosing the right health insurance. Statutory health insurances also offer comprehensive advisory services for students.