If you as a foreigner in Germany aim to be compliant with health insurance law, German law demands you as a student to have health coverage while in this country. This article will provide options and guidance in choosing either public or private health coverage.
Public vs. Private Health Insurance
As an international student, you have the option to choose between two main types of health insurance in Germany: mainly public (mandatory) health insurance and privately governed health insurance. Whether you are a high school student, a university student, or an adult who wants to improve his/her qualifications, the vast choice of study options depends largely on your age, level of study, and specific circumstances.
Public Student Health Insurance in Germany
Cost-Effective Coverage for Eligible Students
Generally, you are eligible for public health insurance if you are under 30 years of age and have a Bachelor’s or Master’s degree background. This type of health insurance gives you the possibility to obtain lower premium rates as well as to comply with social welfare. €110 is your monthly premium for health insurance.
People’s health coverage opens multiple possibilities, such as coverage for surgery in hospitals, outpatient services, drugs, and, in addition.
Among the options for international students, Techniker Krankenkasse (TK) has some priority due to its competitive pricing and English-speaking service.
Private Health Insurance for Special Circumstances
German health insurance system defines private health insurance as those that primarily cover members over 30 years old, foreign scientists on guest projects, PhD students, scholarship grantees, or language or other prep students.
Non-European-citizen (NERC) students who now desire to be international students in Germany will find the EDUCARE24 plan as a better option that meets their needs, adheres to the German visa requirements, and receives their insurance certificates immediately.
How to Obtain Health Insurance in Germany
Obtaining health insurance in Germany involves straightforward steps. For public health insurance, providers like TK streamline the process through online applications, quickly providing a Student Health Insurance Certificate necessary for visa applications and university enrollment. For private coverage, EDUCARE24 by DR-Walter offers an easy online application that delivers an immediate Insurance Certificate, ensuring you’re covered as you begin your studies.
Coverage and Costs
Both public and private health insurance plans in Germany cover essential healthcare services, including hospital treatments, doctor visits, prescription medications, and dental care. The costs vary depending on the type of insurance and your specific circumstances.
Public health insurance costs around €110 per month for international students, while private health insurance starts at approximately €33 per month. These costs may increase based on factors like age, coverage preferences, and pre-existing conditions.
Student Visa and Health Insurance
If you’re applying for a student visa to Germany, having proper health insurance is a crucial requirement. Most international students are required to have both student health insurance and student travel insurance to fulfill the visa application criteria.
Techniker Krankenkasse (TK) offers an advantageous deal for international students. By choosing TK for your health insurance, you also receive a month of free travel insurance from DR-Walter. This ensures you’re covered during your travel and initial stay in Germany.
Making the Right Choice
Ultimately, the choice between public and private health insurance depends on your circumstances and preferences. Public health insurance is generally cost-effective and suitable for most international students under 30. Private health insurance offers tailored coverage for specific situations and can be a great choice if you fall into the eligible categories.
Whether you choose public or private health insurance, it’s crucial to ensure you have proper coverage throughout your stay in Germany. Adequate health insurance not only fulfills legal requirements but also guarantees your well-being and peace of mind as you embark on your educational journey.
Ensuring you have adequate health insurance in Germany is not just a legal requirement, but also a crucial aspect of your well-being while studying abroad. Whether you opt for public or private insurance, make sure it covers all the necessary health services you might need. This will allow you to focus on your studies and enjoy your time in Germany without worrying about potential health issues.
