4 Recommended German Health Insurance For International Students – Breaking News

Are you planning to take an education or a scholarship in German? If you want to attend German college, you may need health insurance for medical assistance and for granting your visa student. If you are looking for German health insurance, here is recommended health insurance for international students. 

Health Insurance in German For International Students

German law requires everyone, including international students, to have health insurance. You can take out community health insurance if enrolled in an eligible educational or college program. While taking preparatory or language courses, students over 30 must obtain a private health insurance plan. 

This article will explain exactly what you need about health insurance in German for international students. Also, we have some recommendations for health insurance in German. 

How Much Can International Students Spend on Health Insurance?

Usually, public health insurance for students in Germany is around €110 per month. This fee also depends on the company that provides insurance services. For example, TK health insurance is €106.93 per month, starting at the start of the term.

Furthermore, private health insurance for students in Germany only starts at €33 per month. It will be increased to €59 per month if you are under 40. You may have to pay more if you are over 40, have a pre-existing condition, or want more coverage. But usually, the nominal fee is not more than €130/month.

Foreign Students in Germany: Better to Use Private or Public Insurance?

All international students in Germany must have health insurance before they start their studies. Compulsory insurance must also be owned by. International students will only grant a student visa with proof of public or private insurance (or insurance from their country of origin if this applies). 

Foreign nationals must be fully covered before obtaining a student visa. Students over 30 have the right to choose between public and private healthcare. 

Those seeking private healthcare must consider whether they are better off enrolling in the public system. This usually depends on whether they are working alongside their studies or not.

How to Get Student Health Insurance in Germany?

If you do not have health insurance that is recognized in Germany, you will need to register for health insurance in Germany. Health insurance providers in Germany must offer affordable insurance premiums to students up to 30 or until the end of the 14th semester of their studies. 

Insurance premiums vary depending on the provider and the conditions covered. In addition, compulsory health insurance premiums are usually higher than those offered to students. If students study in Germany after age 30, then private health insurance premiums are a better choice because the premiums are lower. 

Regarding these cases, The German National Association for Student Affairs has arranged with insurance providers. For more information, contact student services at the university you are interested in in Germany.

Can I Use Health Insurance I Had in My Hometown?

Germany has agreements with member states of the European Union, the European Economic Area, and other countries, so compulsory medical insurance from these countries is acceptable in Germany. 

For this insurance to be used in Germany, you must have a European Health Insurance Card (EHIC) card. Please ask the insurance provider in your country about this.

Private health insurance from other countries can also be used in Germany. If you already have private health insurance that you want to use in Germany, you cannot switch to compulsory health insurance while studying in Germany. For more detailed information, you can consult with the insurance provider that you have.

Furthermore, you need to have a certificate to apply to universities in Germany. This certificate indicates that you no longer need to register for compulsory health insurance issued by health insurance providers in Germany.  Ask the International Office at the university you are interested in is recommended.

4 Best German Health Insurance For International Students 

There is some recommended health insurance for international students in German. This insurance is the most used health insurance for students. Let’s see the best German health insurance for international students below. 

1. Dr. Walter: Best For Budget Students

Suppose you are a student who with a limited to study in Germany. In that case, you can use budget-friendly insurance coverage for the studies in Germany. This insurance can be the best choice.

This one insurance offers public and private protection for students that covers medical expenses during their studies in Germany. Moreover, it is also a good plan for your student visa application, as all official German institutions, including embassies and immigration offices, recognize it.

2. TK Health Insurance: Most Popular Among International Students

TK (Techniker Krankenkasse) is one of Germany’s most significant public health service providers. They provide coverage to many of the German population and offer online and telephone support seven days a week.

Not surprisingly, TK has become very popular among students internationally and in Germany. If you qualify (international students under 30 years old studying at a German university), you can choose this.

3. AOK: Best For Support International Students

Besides TK, AOK is another primary provider of compulsory health insurance in Germany. Students often appreciate insurance because they have a comprehensive plan tailored to their needs.

Among their services, it is possible to meet your personal AOK advisor in person on campus or nearby. The coverage will also give you access to state doctors in Germany. Even for students, the cost is slightly higher, but if you need to cover all your medical needs, this is an exciting option.

4. Feather: Best For They Can’t Speak Germany 

There are many things you can get from this Feather. This private insurer offers public, private, dental, liability, and more in Germany. In addition, it also has English-language health insurance. In other words, If you don’t speak German, you can still apply for this insurance.

This is due to its complete online registration and full support at any time and in English. For students, starting at €72 per month, this insurance will cover all your health care needs during your stay in Germany. AOK is also a great insurance plan for visa applications.

Ready To Study in German? 

That’s all about health insurance in Germany that you can use to apply for a student visa and support your medical needs during your study. Check everything on your insurance fit your needs, and you are good to go!