International student health insurance Germany

For foreign students studying in Germany
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  • Valid for visa
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International student health insurance Germany

Which student health insurance is required for Germany student visa ?

 

Mandatory
 

Health insurance is mandatory in order to study in Germany.
 

Non EU/EEA nationals (third country nationals)
 

Staying less than 3 months in Germany

Third country students who stay less than 3 months in Germany can be covered by international student health and assistance insurance. This insurance is valid also in all Schengen countries.
 

Staying more than 3 months in Germany

Third countries students are those who’s nationality is non European Union or non European Economic Area country.


Third countries students who study in Germany can choose to be enrolled in this two insurance possibilities :

 

  • German State insurance
  • German Private insurance

​If German private insurance is chosen, an exemption of the state insurance is necessary. This procedure is provided by private insurance.
 

An international health and assistance insurance is not sufficient and cannot replace a state or local private insurance however it is highly recommended if you apply the German state insurance especially for

  1. for obtaining the travel visa to Germany

  2. for covering the medical costs until you are registered by the German state insurance.

  3. for taking in charge all assistance benefits necessary during your studies :

 

  • Emergency medical treatments (sickness and accident) not covered by German insurers
  • Repatriation to your home country
  • Ambulance by air, sea and ground
  • Search and rescue
  • Accidental death and disability benefits
  • Third party liability insurance


EU/EEA Nationals
 

Students with nationality from EU/EEA countries can request in their home country the European Health Insurance Card (EHIC). Thanks this card, EU/EEA nationals can benefit of the same cover as the German state insurance.
 

However, the EHIC is not an alternative to travel insurance. It does not cover any travel protection, search and rescue, repatriation to the home country, emergency dental treatments, assistance… A private insurance is highly recommended in Germany also for EU/EEA nationals during the entire stay in Germany.