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

Students up to age 29
You will be comprehensively covered by the student insurance of Techniker Krankenkasse (TK) during your subject-related studies. If you arrive in Germany before the beginning of their subject-related studies, GERMAN STUDENT INSURANCE will provide you with a free additional health insurance cover up to 92 days.

Students from the age of 30
Students from the age of 30 cannot take out public student health insurance. We recommend our comprehensive cover Provisit Student a substitutive private comprehensive health insurance including nursing care insurance, for your entire stay abroad.

Language students, interns and adult education students
The private health insurance Provisit Educare24 provides comprehensive cover for language students, interns and adult education students. Provisit Educare24 can be taken out in various insurance combinations (S, M, L, XL), so it is tailored to your individual needs.

Doctoral students
Foreign academics, doctoral candidates and visiting scientists are in good hands with a private health insurance, such as Provisit Science.

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

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

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

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.

Students from EU/EEA countries or Switzerland

If you come from an EU or EEA state or Switzerland and you are only staying in Germany temporarily for your studies, you are already insured through your home country by the European Health Insurance Card (EHIC) and you cannot become a member of a public health insurance scheme in Germany. However, if you work in Germany (e.g. doing a mini-job) or move your permanent residence here, you have to take out insurance in Germany. Our consulting tool will help you with this.

Students from Bosnia and Herzegovina, Montenegro, Northern Macedonia, Serbia, Turkey or Tunisia

If you come from Bosnia and Herzegovina, Montenegro, Northern Macedonia, Serbia, Turkey or Tunisia and are only staying in Germany temporarily for your studies, you are already insured via your home country and you cannot conclude an insurance by a German public health insurance company. Please contact a German public health insurance company (e. g. Techniker Krankenkasse in your area (German)), to confirm your insurance in your home country. You will receive the necessary documents from your health insurance company in your home country. However, if you are working (e.g. doing a mini-job) or moving your permanent residence to Germany, you need to take out a German insurance. Our consulting tool will help you find the right insurance.

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.

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

Our online consulting tool will help you find the right solution for you and your 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.

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.

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.

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

As a foreign student in Germany, you will usually receive your social security number automatically as soon as you register with a statutory health insurance fund (e.g. TK). With this registration, you are automatically registered with the German Pension Insurance (Deutsche Rentenversicherung), which will then send you your social security number by post. This process can take a few weeks. 

Alternatively, you can also apply for your social security number directly from Deutsche Rentenversicherung - either online via the official website or by post using the appropriate form (“Antrag auf Erteilung einer Versicherungsnummer”). If you already have a student job, your employer can also apply for a social security number for you if you do not yet have one. To apply, you will usually need your passport or identity card, a registration certificate and proof of health insurance if you have one.

During the online consultation tool 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.

Depending on the purpose of your stay (e.g. student, language student i.a. ), 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, intern, doctoral student or are older thank 30 years, you must take out private health insurance.

Our online consulting tool helps you to find the the right insurance for your specific situation.

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.

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.

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.

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.

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.

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.

If you need an insurance confirmation with the travel period in order to pick up your visa at the embassy or consulate, please write an e-mail stating your date of entry and the planned date of departure to info@german-student-insurance.com. We will immediately send you the document by e-mail.

Students under 30 years: From the beginning of your subject-related studies you will be insured by Techniker Krankenkasse (TK). If you arrive in Germany before the start of your studies at the university, DR-WALTER will provide you with a free additional cover from your arrival until the start of your studies.

We also have suitable offers for students over 30, or if you are coming to Germany as a language student, intern and doctoral student. Our consultation tool helps with the selection.

The premiums will be debited from your German bank account.

Yes, it is possible to have a mini-job (monthly income of up to €520.00) parallel to your studies.

The statutory cover provided by Techniker Krankenkasse ends when you complete your studies or in the semester in which you turn 30.

You will receive the TK health card automatically by post from TK in good time before your insurance starts.

Please send us the following data/documents for the activation of your TK insurance:

• A proof of entry to Germany (copy of passport stamp or air ticket)
• Your German address
• Your German bank details (IBAN)
• A proof of study (confirmation of matriculation from the university)

The following criteria must be met before TK can send you your card:

• You have sent a current photo for the card to TK.

If you have not yet uploaded your picture online at TK-website, you will receive a letter from TK. You can use this to send your picture online via the TK upload service. Please wait for this letter. You do not have to do anything yourself until then.

If we do not receive your picture until the day of the insurance, for example, production of the card cannot begin until then. This will delay delivery.