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.
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.
Additional Costs for Public Health Insurance
Long-term Care Insurance:
In addition to the basic health insurance premium, students must pay for long-term care insurance. This cost usually appears in the total monthly premium but can vary based on the provider and specific plan.
Additional Contributions:
Some public health insurance providers may charge an additional contribution on top of the base premium. This varies by provider and can range from a few euros to around €20 per month, depending on the specific policy.
Co-payments:
While many services are covered under public health insurance, there may be co-payments for certain treatments or medications. For example, patients often pay a small fee for prescriptions or outpatient treatments.
Dental and Vision Care:
Basic public health insurance typically covers essential medical needs, but it may not fully cover dental care (especially for extensive procedures) and vision care. Students might need to pay out-of-pocket for these services or consider supplemental private insurance for better coverage.
Costs for Non-urgent Care:
Students seeking non-urgent care without prior consultation or outside regular office hours may incur additional fees that their health insurance does not cover.
Travel Costs:
Students should also consider travel costs associated with visiting healthcare providers, especially if they need to travel to specialists or hospitals.
Making the Right Choice
Choosing between public and private health insurance in Germany depends on your circumstances and preferences. Public health insurance is typically cost-effective and suitable for most international students under 30. Private health insurance offers tailored coverage for specific needs and may be ideal for eligible individuals.
Regardless of your choice, it’s essential to have adequate health insurance during your stay in Germany. Proper coverage not only meets legal requirements but also ensures your well-being and peace of mind while studying abroad. Make sure your insurance covers all necessary health services so you can focus on your studies and enjoy your experience in Germany without worrying about health issues.
How Law and Visas Can Help?
At Law and Visas, our team of expert immigration consultants is here to make your Germany Student Health Insurance straightforward and successful. Whether you’re applying for a Job Seeker Visa or Family Reunion Visa, we handle every step—from preparing your application to gathering the required documents.
Our Immigration Consultants and Lawyers ensure that your application meets the highest standards, with no details missed. We’ll also keep you informed throughout the process and coordinate with the immigration office or embassy on your behalf.
Law and Visas has a strong record of helping clients secure the visas/permits they need for Germany. Call us today at +234 812 5505 986 to learn how we can assist you.
