Free incoming health insurance for international students in Germany
Many international students arrive in Germany before their studies officially begin. During this period, regular student health insurance is often not active yet – even though health insurance is already required.
With selected student insurance solutions from GERMAN STUDENT INSURANCE, you are already covered up to 92 days from the day you enter Germany until the official start of your studies. This pre-study coverage is included automatically and at no extra cost.
Your key advantage:
you do not need to arrange separate short-term insurance for the time between entry and enrolment.
Is the Provisit Incoming Insurance relevant for you?
The Provisit Incoming Insurance is included free of charge up to 92 days with the following plans. Which plan applies to you depends on your age at the start of your studies:
- Provisit Student TK – for students under 30 years
Statutory health insurance in cooperation with Techniker Krankenkasse (TK), Germany's largest public health insurer. The standard solution for most international students arriving in Germany. - Provisit Study Secure – for students aged 28 to 37 years
Comprehensive private health insurance for students who no longer qualify for the public student tariff. Accepted for university enrollment and recognised by authorities. - Provisit Student – for students aged 38 and older
Private health insurance for older international students, including family members where applicable.
You are in the right place if you:
arrive in Germany before the official start of your studies
have booked or are about to book Provisit Student TK, Provisit Student, or Provisit Study Secure
need valid travel health insurance to apply for your German student visa – and to be covered from the day you arrive until your studies officially begin
You may not need this page if you:
- are already enrolled and your studies have already begun
- are looking for your main long-term health insurance – see the plans above
Why there is a gap between arrival and the start of studies
International students often arrive in Germany days or weeks before their semester officially begins.
During this period, neither statutory nor private health insurance is yet active – cover only starts from the official start of studies. Without insurance, any doctor visit or hospital stay during this time means full out-of-pocket costs. The free Provisit Incoming Insurance closes this gap automatically up to 92 days after your entry in Germany.
A practical solution – included automatically in your plan
- No separate application, no extra cost
- Automatically included when you book Provisit Student TK, Provisit Student, or Provisit Study Secure
- Covers primary health care from the day of entry until studies begin
- Internationally accepted for student visa applications at embassies and consulates
- Unlimited sum insured – exceeds the required €30,000 for the German student visa
Provisit Incoming Insurance at a glance
Free of charge
The Incoming Insurance costs nothing. It is automatically included in your Provisit student health insurance plan at no extra charge – no additional premium, no hidden fees.
Up to 92 days from date of entry
The Incoming Insurance covers you from the day you arrive in Germany until your studies officially begin – for a maximum of 92 days. This is sufficient for virtually all arrival and enrolment scenarios.
Recognised by authorities
The Provisit Incoming Insurance is internationally accepted for student visa applications at embassies and consulates. It meets all requirements of the Council of the European Union and is recognised by German authorities.
Seamless transition
The Incoming Insurance ends automatically when your studies begin – exactly when your main health insurance takes over. No gap, no cancellation required, nothing to organise. Your cover simply continues without interruption.
Find the right plan for your studies in Germany
The free Provisit Incoming Insurance is included automatically in each of this plans:
FAQ
Do I need to apply separately for the Incoming Insurance?
No. It is automatically included when you complete your online enrolment for Provisit Student TK, Provisit Student, or Provisit Study Secure.
How long does the Incoming Insurance last?
Up to 92 days from your date of entry into Germany – or until your studies officially begin, whichever comes first.
Is it accepted for my student visa application?
Yes. The Provisit Incoming Insurance is internationally accepted for visa applications at embassies and consulates and meets all requirements of the Council of the European Union.
What if I need a doctor before my studies begin?
The insurance covers primary health care services including emergency treatment from the day you enter Germany.
Who is this insurance for?
It is included for all customers of Provisit Student TK, Provisit Student, and Provisit Study Secure – regardless of age.
Consumer information
You will find a full description of benefits and benefit exclusions in the Customer information.