Premiums

GERMAN STUDENT INSURANCEs offers insurance combinations which are tailored to your needs, depending on your age and your purpose of stay. Please refer to the tables below for the respective premiums:

Language students, intern, doctoral students and university 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, intern, doctoral 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.

EDUCARE24
S(Small)
M(Medium)
L(Large)
XL(Extra Large)
People up to 39 years
€33.00
€37.00
€41.00
€59.00
as of month 19
€50.00
€54.00
€59.00
€85.00
People up to 69 years
€54.00
€58.00
€69.00
€83.00
as of month 19
€110.00
€114.00
€120.00
€130.00
All fees are monthly fees.

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 (TK) during your studies.

Before your studies

EDUCARE24 S is a private health insurance which fulfills all visa requirements and can be concluded from abroad. Another great advantage of EDUCARE24 S: The insurance premiums are calculated based on the number of days insurance is needed. Students from abroad often arrive just a few days before the beginning of their studies and therefore do not need long-term private health insurance. With EDUCARE24 S you only pay for the days you actually stay in Germany (before the beginning of your studies).

Premium for private health insurance: €1.10 per day

The payment process is easy: The premium will be debited from your bank account in a lump sum after you have arrived in Germany.

During your studies

Techniker Krankenkasse (TK) is the largest provider of public health insurance in Germany. TK health insurance also fulfills all visa requirements and can be concluded from abroad. You will be perfectly insured during your studies with TK health insurance.

Premium for public health insurance: €103.94 per month

This is the monthly premium for students up to age 22. For childless students older than 22 years, a supplement of 0.25 percent for the long-term care insurance will be charged. Here you can find the detailed premium table:

 
Public health insurance TK
Health insurance
Long-term care insurance
Extra premium
Total
Persons up to age 22
€76.04
€22.69
€5.21
€103.94
Persons with child aged 23 and over
€76.04
€22.69
€5.21
€103.94
Childless persons aged 23 and over
€76.04
€24.55
€5.21
€105.80
All fees are monthly fees and will be debited monthly. As of 2019.

Students from the age of 30

Students from the age of 30 cannot take out public student health insurance. In these cases, we recommend EDUCARE24 XL for the complete duration of the stay.

Before and during your studies

EDUCARE24 XL provides comprehensive cover. It consists of international health insurance, accident insurance, personal liability insurance and deportation costs insurance and fulfills all requirements of the authorities. Your big advantage with EDUCARE24 XL: Benefits within the framework of public programs are covered up to a value of €500 per year of insurance.

Payment is easy: The monthly premium will be debited from your German bank account.

EDUCARE24 XL
Monthly premium
People up to age 39
€59.00
as of month 19
€85.00
People up to age 69
€83.00
as of month 19
€130.00

Why not just check it out?

Of course, our online consulting tool is non-binding and free of charge. At the end of the needs assessment we will present you the ideal insurance combination for your needs which you can apply for, if desired. Just check it out!

Do you require advice?
If you have any questions,
feel free to contact us:

Phone +49 (0) 2247 9194 -996

Mon-Fri: 8 am to 6 pm