Questions & Answers

Do you want to have detailed information before applying for your German health insurance policy for students? In this section, we collected a number of frequently asked questions about GERMAN STUDENT INSURANCE. If you have any other questions, feel free to contact us.

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  • General questions

    Here you will find general questions about GERMAN STUDENT INSURANCE.

    • Do I have to conclude private or public health insurance in Germany?

      GERMAN STUDENT INSURANCE offers insurance combinations which are tailored to your needs, depending on your age and your purpose of stay.

      Language students, intern, doctoral students and students before the beginning of their subject-related studies

      Students who have not started their subject-related studies, yet, cannot take out public health insurance. The private health insurance EDUCARE24 provides comprehensive cover for language students and students before the beginning of their first subject-related semester. EDUCARE24 can be taken out in various insurance combinations (S, M, L, XL), so it is tailored to your individual needs. We recommend EDUCARE24 M, our comprehensive cover. EDUCARE24 M consists of travel health insurance, accident insurance, private liability insurance and deportation costs insurance. EDUCARE24 L additionally includes a wider range of dental treatments. EDUCARE24 XL is the right solution for persons who also want to make use of benefits within the framework of public programs up to a value of € 500 per year of insurance. EDUCARE24 S is limited to health insurance.

      Students up to age 29

      EDUCARE24 S is the private health insurance for students from abroad up to the age of 29 before the beginning of their subject-related studies. You will be comprehensively covered by the student insurance of Techniker Krankenkasse during your studies.

      Students from the age of 30

      Students from the age of 30 cannot take out public student health insurance. We recommend our comprehensive cover EDUCARE24 XL for the complete duration of your stay. EDUCARE24 XL consists of private health insurance, accident insurance, private liability insurance and deportation costs insurance.

      Our online consulting tool will quickly and easily present you the ideal insurance solution for your needs.

    • What is a "subject-related semester"?

      A subject-related semester is a semester in which you studied a specific subject, e.g. medicine.

    • Is my current health insurance not sufficient for my studies in Germany?

      For students from non-European countries the answer is "no". If you come from a non-European country, taking out a German health insurance is required by law. Without a German health insurance you will not get a visa and cannot enroll at a German university.

      For students from Europe the requirements are not that strict. However, we recommend you seek advice from your health insurance provider.

    • Which health insurance is officially approved?

      Health insurances for foreign students need to fulfill many requirements. Some of the specifications which have to be observed are the regulations of the European Commission, the “Freizügigkeitsverordnung/EG” and Germany’s right of residence. GERMAN STUDENT INSURANCE meets these regulations. The insurance sum of this health insurance is unlimited, so it is higher than the required €30,000.

    • Do I have to conclude public health insurance as a student?

      Students up to age 29 need to have public health insurance during their subject-related studies. We recommend Techniker Krankenkasse (TK).

      If you have not started your subject-related studies, yet, or if you are older than 29 years, you cannot take out public student health insurance. In these cases the private health insurance EDUCARE24 is the ideal insurance solution.

    • What is meant by "exemption from compulsory health insurance"?

      You can get an exemption from the requirement to take out public health insurance and conclude private health insurance at the official beginning of your subject-related studies. However, taking out private health insurance only makes sense for students who cannot conclude public student health insurance, e.g. if you are more than 29 years old. In these cases, we recommend EDUCARE24 XL insurance protection.

      Please note that the following applies after the official beginning of your studies: Once you have taken out private health insurance, you cannot switch to public student health insurance anymore.

    • Is my family insured, too?

      Your family will be covered by public health insurance, too, if you have public health insurance during your studies.

      In case you cannot take out public health insurance due to your age or because you take part in preparatory courses, you can take out EDUCARE24 for yourself and your family. Please note that all members of your family need to choose the same tariff.

      Our online consulting tool will show you which EDUCARE24 tariff (S, M, L or XL) is the right choice for you and your family. Just get started.

    • Who cannot be insured as a family?

      Family members who are fully self-employed, privately insured, exempt from public health insurance as civil servants or persons who are subject to public health insurance themselves cannot be insured in the family insurance.

    • Which insurance do I need to take out for my doctoral studies?

      You cannot take out public student health insurance as a doctoral student. We recommend you conclude the private health insurance EDUCARE24 XL for your doctoral studies.

  • Questions regarding existing contracts

    Here are some of the most frequently asked questions about existing contracts.

    • When does my insurance start?

      Language students, intern, doctoral students and students before the beginning of their subject-related studies

      The insurance cover of the private health insurance EDUCARE24 (S, M, L or XL) applies as soon as you arrive in Germany.

      Students up to age 29

      The insurance cover of the private health insurance EDUCARE24 S applies as soon as you arrive in Germany. From the beginning of your subject-related studies you will be insured by Techniker Krankenkasse (TK).

      Students from age 30

      The insurance cover of the private health insurance EDUCARE24 XL applies as soon as you arrive in Germany.

    • How do I pay my premiums?

      The premiums will be debited from your German bank account.

    • Is it possible to have a mini-job parallel to studying?

      Yes, it is possible to have a mini-job (monthly income of up to €450.00) parallel to your studies.

    • When does insurance end?

      Language students, intern, doctoral students and students before the beginning of their subject-related studies

      Insurance coverage of the private insurance EDUCARE24 (S, M, L or XL) expires automatically on the agreed date.

      Students up to age 29

      The private health insurance EDUCARE24 S ends with the beginning of your studies. TK public health insurance cover applies until you finish your studies or until the semester in which you reach the age of 30.

      Students from age 30

      Insurance coverage of the private insurance EDUCARE24 XL expires automatically on the agreed date.

  • Questions about the contract

    Here are some of the most frequently asked questions about the contract.

    • Why do I have to sign the contract online?

      You have to sign online as the registration with a public health insurance company such as TK is only valid with a signature. In Germany, electronic signatures have been legally recognized since 2001. They are accepted as handwritten signatures on paper documents.

    • How do I sign the contract online?

      By clicking on the checkbox you confirm that your data is correct and that you have read the consumer information. Afterwards you sign with your mouse, trackpad or touch screen. You can then apply for insurance.

  • Questions concerning the online consulting tool

    Here you will find the answers to the most frequently asked questions about the online consulting tool of GERMAN STUDENT INSURANCE.

      • What specific information do I need to provide during the online consultation?

        During the online consultation you will be asked questions about your person (name, address, etc.) and about your planned studies in Germany (name of university, date of arrival, etc.). However, you do not have to know all the answers to these questions, you can leave questions unanswered. For example, if you do not know the exact date of your arrival, yet, simply choose "I don't know" and submit these details later.

      • Why am I asked about the type of stay?

        Depending on the purpose of your stay (e.g. language student or student), you will need a different type of health insurance for your stay in Germany. There are two types of health insurance in Germany: public and private health insurance.

        As a student up to the age of 30 you can insure yourself with a public health insurance from the beginning of the first semester at a university or university of applied sciences.

        If you come to Germany as a foreign language student, doctoral student or intern, you must take out private health insurance.

      • Why am I being asked about my age?

        Your age influences the type of health insurance (private or public) and the contribution to long-term care insurance. In a public student health insurance, you can only be insured up to the 30th birthday.

        If you have no children as a student and are 23 years or older, you need to pay a higher contribution to the long-term care insurance.

      • Why is the TK insurance cheaper for persons under 23 years of age than for persons aged 23 or older?

        Students aged 23 and over who do not have a child pay a supplement in the long-term care insurance, so that the TK insurance is then more expensive.

      • Why can I only conclude EDUCARE24 if I am 30 years or older?

        Students who are enrolled at state or state-recognized universities are subject to public insurance until their 30th birthday. From the 30th birthday, students can no longer insure themselves in the public student health insurance. In these cases, we recommend EDUCARE24 XL, our comprehensive cover consisting of travel health insurance, accident insurance, personal liability insurance and deportation costs insurance.

      • Why am I asked if I have children?

        You are asked if you have children, as this has an impact on the monthly contribution. Persons without children over 23 pay a supplement to the long-term care insurance.

      • Why is the TK insurance with children cheaper than without children?

        Since 01.01.2005 a small public for childless persons aged 23 years and over has been introduced in the statutory long-term care insurance.