International students in Germany are required to have health insurance coverage for the duration of their stay. There are two types of health insurance options available for international students in Germany: public health insurance and private health insurance.
Public health insurance is mandatory for students who are enrolled at a German university and receive BAföG (Federal Education and Training Assistance Act) funding. Private health insurance is an option for students who are not eligible for public health insurance and for those who wish to have additional coverage.
Cost of Student Health Insurance In Germany
The cost of health insurance in Germany for international students varies depending on the type of insurance and the coverage level.
Public health insurance typically costs around 80-150 euros per month, with a lower rate for students who are enrolled at a German university and receive BAföG (Federal Education and Training Assistance Act) funding.
Private health insurance can be more expensive, with monthly costs ranging from 200 euros to over 400 euros, depending on the provider and the level of coverage.
It’s important to compare different insurance options and carefully consider your budget and health needs before choosing a health insurance provider. Some international student organizations may also offer special health insurance packages for their members at discounted rates.
Top 10 health insurance providers in Germany for international students:
- AOK (Allgemeine Ortskrankenkasse): AOK is one of the largest public health insurance providers in Germany, offering comprehensive coverage for international students.
- TK (Techniker Krankenkasse): TK is another popular public health insurance provider offering low-cost coverage for international students.
- BARMER: BARMER is one of the largest public health insurance providers in Germany, known for its extensive network of medical providers and its comprehensive coverage.
- DAK-Gesundheit: DAK-Gesundheit is a public health insurance provider with a strong focus on preventive health and wellness.
- IKK classic: IKK classic is a public health insurance provider offering low-cost coverage for international students in Germany.
- HEK (Hanseatische Krankenkasse): HEK is a public health insurance provider with a strong focus on customer service and a comprehensive network of medical providers.
- KKH Kaufmännische Krankenkasse: KKH is a public health insurance provider with a focus on affordability and comprehensive coverage.
- Central Krankenversicherung AG: Central Krankenversicherung AG is a private health insurance provider offering comprehensive coverage for international students in Germany.
- Debeka Krankenversicherung: Debeka Krankenversicherung is a private health insurance provider known for its flexible coverage options and excellent customer service.
- Allianz: Allianz is a private health insurance provider with a focus on innovation and technology, offering comprehensive coverage for international students in Germany.
Is it a must for students to have health insurance in Germany?
Yes, it is mandatory for international students in Germany to have health insurance coverage for the duration of their stay. The German government requires all students to have either public or private health insurance coverage in order to enroll in a university or obtain a student visa. This is to ensure that students have access to adequate medical care and support if they fall ill or suffer an injury while studying in Germany.
If you don’t have health insurance as an international student in Germany, you may face the consequences such as fines or legal penalties. Additionally, if you fall ill or have an accident, you may not be able to receive the medical treatment you need, or you may have to pay for it out of pocket.
This can result in financial stress and may negatively impact your studies and overall experience in Germany. It is important to obtain health insurance coverage as required by the German government in order to ensure that you have the support you need to stay healthy and succeed as an international student in Germany.
Conclusion
In conclusion, health insurance is a mandatory requirement for international students in Germany. It is important to obtain health insurance coverage in order to ensure access to medical care and support in case of illness or injury.
There are two options available for international students: public health insurance and private health insurance.
The cost of health insurance varies depending on the type of insurance and the coverage level, with public health insurance being the more affordable option for students who are eligible for it. It is important to carefully compare different insurance options and choose one that meets your health needs and budget.