Health insurance for international students aged 28 to 37 in Germany
Public student insurance often ends at 30. Without valid insurance, you cannot enroll in Germany. This solution keeps you covered – quickly and reliably.
- Accepted for university enrollment
- For Master’s, PhD & exchange students
- From € 125,86 per month
Are you the right fit for this insurance option?
You are likely in the right place if you are:
between 28 and 37 years old
enrolled or about to enroll at a university in Germany
a Master’s student, PhD student, graduate student or exchange student
looking for a health insurance option accepted for enrollment and authorities
You may need a different solution if you are:
- under 28 and eligible for another student solution
- over 38
- coming with family members and need a different setup
Why students over 30 often need a different insurance solution
If you start your studies in Germany in your late twenties or thirties, health insurance can quickly become confusing. In many cases, the public student tariff no longer applies once you are 30 or after a certain study duration. At the same time, you still need valid insurance for enrollment and your stay in Germany. This page helps you understand whether this option fits your situation before you move on to the full product details.
A practical option if public student insurance no longer fits
- Public student insurance is generally limited to younger students and specific study conditions
- Students over 30 often need an alternative that is still accepted for enrollment and authorities
- This solution is designed for international students in the 28–37 age range who need long-term cover for studies in Germany
Coverage through the statutory Techniker Krankenkasse TK is possible, provided you are both enrolled in a specialized course of study and do not exceed the age of 29. For enrolled students aged 28 to 37, Provisit Study Secure offers full private health insurance cover in the ottonova Study Secure Premium tariff.
Provisit Study Secure meets the official requirements and the sum insured for health insurance is unlimited, which means it exceeds the required €30,000. If you are exempt from compulsory health insurance, you can also take out the plan if you are under 30 and benefit from lower premiums and better benefits. If you are over 38 or are accompanied by family members, Provisit Student is the right plan for you.
Why this option works well for students aged 28 to 37
Designed for your age group
Especially relevant if you are too old for the classic public student tariff but still need accepted health insurance for your studies.
Accepted for official purposes
Suitable for enrollment and recognized by authorities according to the provider’s product information.
Free incoming insurance
If you arrive in Germany before the start of the semester, you will receive free insurance coverage for up to 92 days, covering the period between your arrival and the start of your studies.
Digital and simple to manage
Immediate confirmation and digital handling through the ottonova app.
What does student insurance cost after 28?
Health insurance (for 28 to 38)
- Accepted for university enrollment
- For Master’s, PhD & exchange students
- From €125,86 per month
FAQ
Do I need health insurance for university enrollment in Germany?
Yes. Students at state or state-recognized higher education institutions in Germany must provide proof of health insurance.
What happens if I am over 30?
Public student insurance often no longer applies once you are over 30, so many students need another valid option.
Can private health insurance be accepted for my studies in Germany?
This insurance solution is recognized by authorities and universities when the conditions are met.
What if I arrive before my studies begin?
According to the provider, there can be free coverage for up to 92 days between entry and the official start of studies.
Who should not use this option?
This option is not the primary recommendation for students under 28 or for people over 38.