Private health insurance for students aged 38 years and over in Germany
Public student insurance usually ends at 30. From 38, you need an alternative that meets enrollment requirements in Germany.
This type of health insurance is designed for international students who:
- need valid coverage for enrollment and authorities
- are from abroad that are released from compulsory health insurance obligation
- require long-term insurance beyond standard student tariffs
- From € 129 per month
Are you the right fit for this insurance option?
This option is likely a good fit for you if you:
are 38 years or older
are enrolled or planning to enroll at a university in Germany
are studying for a Master’s degree, PhD or as an exchange student
need health insurance that is accepted for enrollment and by authorities
are planning a longer stay in Germany for your studies
This option may not be suitable if you:
- are under 38 and still eligible for other student insurance options
- qualify for public student health insurance (typically under 30)
- are only staying in Germany for a short period
- are not enrolled at a university (e.g. language course only)
Why students over 38 need a different health insurance solution
The German health insurance system for students is strongly tied to age limits. In most cases, the reduced public student tariff is no longer available once you pass a certain age threshold.
However, the obligation to have health insurance remains unchanged. Whether for enrollment, residence permits or administrative processes, valid coverage is always required.
This leads to a typical situation for older students: they still need comprehensive and officially accepted insurance, but no longer have access to the standard student option.
A suitable option for students aged 38 and over
For students in this situation, private health insurance solutions specifically designed for international students can bridge this gap. They are structured to meet official requirements while providing coverage for the full duration of academic studies.
Such options are typically relevant if:
- public student insurance is no longer available
- official proof of insurance is required
- the stay in Germany is planned for several years
If you want to explore details such as benefits, coverage scope and conditions, it is recommended to review the full product information separately.
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 over the age of 38, Provisit Student offers private comprehensive health insurance coverage.
Provisit Student meets the regulatory requirements and the sum insured of the health insurance is unlimited, so that it is above the required 30,000 €. If you are accompanied by family members, accompanying spouses or children can also be insured with Provisit Student without any problems.
Why this option works well for students aged 38+
Designed for your age group
For students above the usual student age range, insurance needs shift from short-term solutions to long-term stability. This is where these types of insurance options are designed to fit.
Accepted for official purposes
They are generally accepted for administrative purposes, which is essential for both universities and authorities. At the same time, they are built for longer academic paths, such as full degree programs.
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.
Flexibility
Another important point is flexibility. Depending on the individual situation, these solutions can also adapt to different living arrangements, for example when students are not moving to Germany alone.
Provisit Student is a substitutive private comprehensive health insurance for foreign students aged 38 and over. It corresponds in scope to the protection of the statutory health insurance and also includes long-term care insurance.
With the packages Protect Standard or Complete you can additionally extend the insurance with accident, liability, luggage and assistance insurance to be fully covered during your studies in Germany.
What does student health insurance cost after 38?
Health insurance (for 38+)
- Meets all regulatory requirements for a comprehensive health insurance plan
- Alternative to compulsory health insurance
- Also optimal as follow-up insurance resp. extension
- From €129 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 changes if I am over the typical student age?
Standard student insurance is usually no longer available, so an alternative solution is required.
Is private health insurance 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?
Yes, as long as it meets official criteria, it can be used for enrollment and administrative purposes.
Who is this type of insurance intended for?
It is designed for international students aged 38 and over who need long-term coverage for their studies in Germany.