Advantages of GERMAN STUDENT INSURANCE – find the right solution for your situation
With GERMAN STUDENT INSURANCE – a solution developed together with Techniker Krankenkasse (TK) – you get health insurance tailored to your individual situation as an international student in Germany.
Most students under 30 choose public health insurance (TK).
However, depending on your age, study type, or stay in Germany, alternative options may be required.
This page gives you an overview of the key advantages and helps you understand which solution fits your situation.
Your advantages at a glance
Fast and secure start in Germany
Immediate confirmation for your visa application
You receive official proof of insurance immediately after your online application, accepted by consulates, embassies and immigration authorities. You can submit your visa application without delays.
Certificate for university enrollment
You receive your insurance certificate directly after your online application. You can complete your enrollment quickly and without complications.
Simple application – even from abroad
Apply from abroad
You can apply without a German address or bank account.
Payment after arrival
You can provide your German bank details after arriving in Germany. No administrative barriers before entering Germany.
Flexible insurance solutions
Public, private or combined coverage
Depending on your situation, you receive the right insurance solution – whether public (TK), private or a combination. This ensures you are covered even if you are not eligible for public student insurance.
Reliable coverage in everyday life
Direct billing with doctors and hospitals
During your stay in Germany, doctors and hospitals can settle costs directly with the insurer. In most cases, you do not have to pay upfront.
Guided insurance selection
Automatic recommendation via online tool
After entering your personal data, the appropriate insurance solution is automatically suggested. You do not need to understand complex insurance requirements.
Not sure if TK is the right option for you?
Not every student qualifies for public student health insurance (TK).
Depending on your individual situation, you may require a different type of health insurance or a combination of solutions to meet German visa and university requirements.
GERMAN STUDENT INSURANCE ensures that you receive the appropriate coverage for your specific case – before and during your studies.