{"id":65205,"date":"2024-11-15T09:19:10","date_gmt":"2024-11-15T03:49:10","guid":{"rendered":"https:\/\/leverageedu.com\/learn\/?p=65205"},"modified":"2024-11-15T09:19:10","modified_gmt":"2024-11-15T03:49:10","slug":"health-insurance-for-international-students-in-germany","status":"publish","type":"post","link":"https:\/\/leverageedu.com\/learn\/health-insurance-for-international-students-in-germany\/","title":{"rendered":"Health Insurance for International Students in Germany"},"content":{"rendered":"\n

Health insurance in Germany, also known as Krankenversicherung<\/em> in German, is mandatory for everyone by law, even if you are planning to study there. German health insurance is divided into two types: public and private, each with different eligibility criteria. Moreover, Germany has always been at the forefront, whether in education, medical facilities, or job opportunities. In fact, its position as a pioneer in delivering top-quality medical services was further reinforced in 2022, when it ranked fourth overall in the World Index of Healthcare Innovation. To learn more about health insurance, its types, and associated costs, make sure you continue reading this blog.<\/p>\n\n\n\n\n\n\n

Types of Health Insurance for International Students in Germany<\/span><\/h2>\n\n\n\n

There are two types of health insurance available for international students in Germany, and they can choose either option. Let us look at each in detail.<\/p>\n\n\n\n

Public Health Insurance<\/span><\/h3>\n\n\n\n

One can opt for public health insurance in Germany if they are under 30 years of age and are studying a degree program, such as a bachelor\u2019s or master\u2019s degree. The cost of a basic public health policy ranges between EUR 130 to EUR 150 per month<\/em>. Remember that this cost mostly depends on factors such as age, whether or not you have children, and mainly the provider. <\/p>\n\n\n\n

Below is the list of how much students pay for public health insurance in Germany:<\/p>\n\n\n\n

Health Insurance Provider<\/strong><\/td>Health Insurance Contribution<\/strong><\/strong><\/td>Nursing Care Insurance Contribution<\/strong><\/strong><\/td>Total\/Month<\/strong><\/td><\/tr>
Techniker Krankenkasse (TK)<\/td>EUR 97,64<\/td>EUR 34,20<\/td>EUR 131,84<\/td><\/tr>
BKK ProVita<\/td>EUR 100,12<\/td>EUR 34,20<\/td>EUR 134,32<\/td><\/tr>
HEK \u2013 Hanseatische Krankenkasse<\/td>EUR 98,50<\/td>EUR 34,20<\/td>EUR 132,70<\/td><\/tr>
KKH Kaufm\u00e4nnische Krankenkasse<\/td>EUR 115,43<\/td>EUR 34,20<\/td>EUR 149,63<\/td><\/tr>
BKK firmus<\/td>EUR 95,08<\/td>EUR 34,20<\/td>EUR 129,28<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

How to Extend Public Health Insurance?<\/span><\/h4>\n\n\n\n

If you become ineligible to be a part of public health insurance in Germany, i.e., you turn 30 years old and still need the insurance, then there are many companies out there that can extend your plan, but voluntarily. This means that you will no longer be able to take advantage of student discount rates.<\/p>\n\n\n\n

Private Health Insurance<\/span><\/h3>\n\n\n\n

On the other hand, private health insurance in Germany is for all those who are above the age of 30 years, enrolled in non-degree programs, or PhD students. Speaking of the cost, private health insurance is costlier as compared to public health insurance. The cost is based on your age, health condition, and chosen coverage level.<\/p>\n\n\n\n

However, with several providers out there, one can purchase plans for as little as EUR 33 per month. <\/p>\n\n\n\n

Below is a rough estimate of the cost of private health insurance in Germany, which one can take up:<\/p>\n\n\n\n

Monthly Costs<\/strong><\/td>Health and Long-Term Care Insurance<\/strong><\/td><\/tr>
Up to 29 years<\/td>EUR 79<\/td><\/tr>
Up to 59 years<\/td>EUR 129<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Note: <\/em><\/strong>The above-mentioned prices are not fixed and will vary from each person, depending on the package they choose and their requirements.\u00a0<\/em><\/p>\n\n\n\n

Also Read: <\/strong>TK German Health Insurance for International Students<\/strong><\/a><\/p>\n\n\n\n

Fun Fact:<\/em><\/strong>Did you know that one of the oldest national health insurance programs in the world is in Germany? Yes, and Germany’s health insurance system was established in 1883. It was established under the direction of Otto von Bismarck, a well-known German public figure. <\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

How to Get Health Insurance for International Students in Germany?<\/span><\/h2>\n\n\n\n

In Germany, everyone must get health insurance, which can be either private or public. Therefore, one must make sure to buy the same before moving abroad to Germany. Having health insurance is also mandatory by law to get a German student visa<\/strong><\/a> and to enroll in a university. One of the most well-known health insurance which one can refer to is the TK health insurance.\u00a0<\/a><\/strong><\/p>\n\n\n\n

Here is the process to get health insurance in Germany, which you must follow:<\/p>\n\n\n\n