In general, applicants will be required by the embassy to provide proof of health insurance before they come to Germany. Travel insurance is sufficient for the embassy, although not for enrolment at the university. European students: the European health insurance card will be valid.
It is mandatory for all students to have valid health insurance for studying in Germany. Applicants cannot be enrolled if they do not have health insurance. We recommend choosing a public (statutory) health insurance provider. However, students are free to also choose one of the many private health insurance providers in Germany.
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Public health insurance
The health insurance contribution for students is the same with every public health insurance company in Germany, currently approx. € 92 per month. Details and contact information can be obtained from the MIDE office. A contract can be arranged from home prior to arrival in Germany.
Please note: students must be under 30 years of age to be able to register with a public insurance provider under the abovementioned conditions. Furthermore, the public health insurance will only come into effect from the start of the semester (1 April). Applicants arriving before this date must arrange travel insurance cover which is valid until the start of the semester.
Private health insurance
There are many insurance providers on the market, please look into the options on your own. Please note: the premiums charged by private health insurances may vary. Experience shows that although the monthly premiums are less, you might run into problems once you need their services. The Studentenwerk recommends using Union Versicherungsdienst GmbH www.union-verdi.de/dsw-studenten-kv. This private insurance cover is also valid before you start your studies and additional travel insurance would therefore not be necessary. Just arrange the contract with them for the time of your arrival.
Afterwards, you must apply for exemption from German public insurance. Any public insurance provider can confirm the exemption. This certificate must then be submitted to the MIDE office upon enrolment.
The health insurance status you choose now will remain throughout your student life in Germany (also if you continue your studies, e.g. in a PhD programme) and cannot be changed, unless you turn 30 or start working after graduation.