If you plan to study in Germany, one of the things you will need is a health insurance because without proof of a health insurance you cannot enroll in a German university. German law differentiates between the following groups:

Students from other EU countries who are already insured in their country of origin do not have to insure themselves in Germany. With the European Health Insurance Card (EHIC) they can directly go to a doctor and use their insurance card there.

Students from all other countries have to get insurance in Germany, even if they already have a health insurance in their country of origin. The insurance coverage mostly lasts to the end of a semester, contributions are to be paid for the entire semester, even if you leave Germany beforehand or drop out of university.

Those students from other countries, who are below 30 years of age or have not finished the 14th subject-related semester yet may choose between a private or a compulsory health insurance. If you want to become a member of a private health insurance you need a confirmation of exoneration from compulsory coverage. This exoneration is irreversible during your study visit to Germany. You have to apply for this during the first three months after the start of your studies.

Those students from other countries who are older than 30 years of age or have finished the 14th subject-related semester can only get insurance from a private health insurance company

What to Consider When Visiting a Doctor.

In case you want to consult with a doctor, you will have to show him your health insurance card. The doctor will use your card to settle the costs of the treatment with your health insurance. Many doctors in Germany make appointments, so if possible you should try and call in advance to set a date and time for your visit.

Where to Buy Pharmaceuticals and How to Pay for Them.

In case you are sick, the doctor may prescribe medicines for your treatment. The costs of these prescribed medicines are normally covered by your health insurance company, but the insured person has to make a co-payment. Usually, the co-payment is 10% of the price of the medication, but there is a minimum of 5 Euro and a maximum of 10 Euro per prescription. The medicine has to be licensed in Germany. Some pharmaceuticals are exempt from the co-payment. Please ask your doctor for further information. Over-the-counter medications normally have to be paid by the insured person alone. The insured person has to present the doctor’s prescription at a pharmacy and has to make the co-payment there.

Sick Certificate

In case you are unable to go to College/ University you have to send a sick certificate to your College/ University Choice of Health Insurance in Germany.

In Germany, there are two types of health insurance (Public and Private health insurance) is available so you can choose one of them during your first three months in Germany. After that, if you have chosen Public health insurance then you have to be with public health insurance during your study period.

Health Insurance Types

Here is Some Health Insurance Which you Should Choose


DAK-Gesundheit is one of Germany’s most innovative and advanced health care providers. We serve more than 6.6 million members and are the third largest health care insurance in Germany. According to a recent study by the consumer magazine “Focus Money”, university students choosing DAK-Gesundheit can expect the best policy conditions, attractive rates, and premium refunds. You can find us in one of our conveniently located 850 service centers.


Allgemeinen Orts Krankenkassen, the most widespread Organisation with 15 regional branches having altogether nearly 24 million members. AOK has a special service for students. You can find accessible office locations, directly on-site in many universities and college towns. The AOK Studenten-Service gives you competent, detailed advice when you need it. As Germany’s largest health insurance organization the AOK has also the administrative and financial strength to provide excellent medical care at moderate rates.


BARMER is Germany’s one of the leading health insurance fund. Our dedicated and qualified staff at over 1,000 branches around the country is always happy to help with any questions concerning your health. Personal contact, competent advice and innovative schemes for our members – that’s what we work hard to achieve: with services spanning our health hotline and health magazine, our 24-hour online branch and attractive additional insurance options.


With TK you can be sure of excellent medical care and in addition receive great services. TK is well placed financially. And this pays off for the members: With the TK dividend, you can receive 80 Euro refund for 2014.

Private Health Insurance

You should find more details about Private health insurance below

Travelling Health Insurance

When you got your visa and going for stamping for your visa you need traveling health insurance valid till you will be in Germany.

So you have to take traveling health insurance before you fly to Germany. There are so many health insurance companies provide traveling health insurance but some of them are only valid in the German embassy. So you have to be careful to select your traveling health insurance.

Here is the list of health insurance which is valid in the German embassy.

  • Apollo Munich for the age group of 6 months to 70 years
  • Bajaj Allianz for the age group of 6 months to 70 years
  • Chola MS for the age group of 0 months to 70 years
  • Future Generali for the age group of 6 months to 55 years
  • HDFC Ergo for the age group of 3 months to 70 years
  • ICICI Lombard for the age group of 3 months to 51 years
  • IFFCO Tokio for the age group of 3 months to 70 years
  • National for the age group of 6 months to 60 years (in Schengen Plan to 80 years)
  • New India Assurance Company for the age group of 0 months to 60 years
  • Reliance on the age group of 3 months to 70 years
  • Royal Sundaram for the age group of 3 months to 70 years
  • Star Health and Allied Insurance for the age group of 6 months to 70 years
  • Tata/AIG for the age group of 6 months to 55 years
  • Oriental Insurance Company for the age group of 6 months to 60 years
  • United India Insurance Company for the age group of 0 months to 65 years
  • Universal Sompo for the age group of 0 months to 70 years
  • You rented a car and got involved in an accident? Is there material or physical damage? Will you have to pay a compensation? Let your policy cover that.

You have to select one of the above health insurance policy. Stern Career’s Overseas Education Institute will help you to select the best of them for you. For more details about traveling health insurance please contact our branch office.