Premiums & benefits of GERMAN STUDENT INSURANCE

Studying in Germany comes with many challenges – your health insurance should not be one of them.

GERMAN STUDENT INSURANCE offers a solution tailored to international students, ensuring that you are fully covered for your visa, your university enrollment and your entire stay in Germany.

What does your student health insurance include?

GERMAN STUDENT INSURANCE is designed to provide continuous coverage – from the moment you arrive in Germany until the end of your studies.

Your insurance solution includes:

  • Public health insurance (TK) during your studies
  • Free coverage until 92 days before your studies begin, if required

This ensures that you are insured at every stage – for your visa, your enrollment and your stay in Germany.

Complete coverage from arrival to graduation

You are protected:

  • from the day you enter Germany
  • during your entire study period
  • without gaps in coverage

Monthly premiums for TK student health insurance

The contribution for public student health insurance at TK in Germany:
 

Up to age 22
€141.16
  • €87.38 Health insurance
  • €30.78 € Long-term care insurance
  • €23.00 € Extra premium
With child aged 23 and over
€141.16
  • €87.38 Health insurance
  • €30.78 Long-term care insurance
  • €23.00 Extra premium
Childless aged 23 and over
€146.29
  • €87.38 Health insurance
  • €35.91 Long-term care insurance
  • €23.00 Extra premium

All fees are monthly fees and will be debited monthly.

What is covered by Techniker Krankenkasse (TK) public health insurance for students?

TK student insurance fulfills all requirements prescribed for a German public health insurance by the legislator. Among others, this includes:

 

Direct billing with physicians and hospitals without advance payment

 

Medical, dental and psychotherapeutic treatment

 

Treatments for the preventive recognition of diseases

 

Treatment in order to prevent and alleviate diseases as well as contraception and termination of pregnancy

 

Provision with medicine, dressing material and medical appliances

 

Treatment of pre-existing illnesses

 

Inpatient medical treatment without temporal restrictions

 

Treatment of spouse and children

 

Easy extension of contract in case of the necessity to study for some more semesters

Did you know?

TK public health insurance offers much more than the legally prescribed minimum care. TK will also cover the costs for homeopathic treatments, travel vaccinations and sports-medical examinations. 

Learn more about TK benefits:

How your coverage works before your studies

If you arrive in Germany before your studies officially begin, temporary coverage is automatically included as part of your insurance solution.

This means:

  • You are insured from the day you enter Germany
  • Your coverage is valid until your student insurance (TK) starts
  • No separate application is required

Optional additional coverage

For extended protection, you can choose additional insurance options.

Free incoming insurance before your studies start
 

Free insurance coverage is included automatically from entry into Germany until your studies begin (up to 92 days).

More about Provisit Incoming Insurance

Extended protection during your stay in Germany

Optional insurance package Provisit Protect including liability, accident, baggage and assistance cover.

More about Provisit Protect

Insurance details and legal information

For detailed information on benefits and exclusions, please refer to the official documents.

Insurance information

For detailed information on benefits and benefit exclusions, please refer to the Techniker Krankenkasse (TK) statutes.

Requirements

All about the requirements and for whom the insurance is suitable.
Read more

You still have questions?

Use our online forms and FAQ or simply give us a call:
T.: +49 2247 9194-996