As already stated, the health insurance in Germany is mandatory for everyone residing in Germany. This is linked in the privacy policy. 50% of the insurance contributions are paid for private old-age provisions. Keep in mind that as a language student in Germany you wont be able to get a public health insurance plan. This includes health insurance providers, regulatory bodies, patient organizations, etc. For their physical and mental health, having a proper medical and psychological treatment is more than crucial. Duties of the Federal Health Ministry include maintaining the health care policies in Germany and assisting these institutions for carrying on the health care services. Heres what you need to know if you fall into this category: If you fall in this category, you will only be entitled to medical and dental treatment required for acute illness or pain. on If youre a citizen of the above-mentioned countries and you hold the public health insurance in your country of residence then you eligible to pursue an EHIC insurance. It is Germanys major social health insurance fund with more than 8.8 million insurees. The DAAD offers combined health, accident and personal liability insurance for trainees, students and academics - as well as their partners and children - who come to Germany. We do everything we can to help you make an informed and conscious decision that you will benefit from for a lifetime. In other words, youll be taken care of same as the resident of one country who holds a public health insurance there. What is the difference between private & public health insurance in Germany? However, the GKV benefits do not reach the level of private health insurance. Health Insurance. German Culture. Read the specifications below. A private health insurance is suitable for those persons who are not subject to statutory compulsory insurance such as e.g. If youre an employee-to-be in Germany then it is expected that your employer will take care of all the paperwork at least two weeks before you start your job. In the following we will clarify for which insurances/ provisions the money is spent and which insurance policies are common in Germany. The application process is easier if the applicant has a well-defined civil status (for example a refugee in protection or an asylum seeker). ), 3 + 1 Programme for International Students, International Innovation Management Bachelor (Exchange Programme), European Business Management Bachelor (Exchange Programme), schedule an appointment with one of our student advisors. The payment is different than in the public system. If you don't wish to pay more than you would for public health insurance, you may do so from the age of 55 even if you are not in need of assistance. As a huge and complex entity, the German health insurance system is encircled by a number of actors. If youre an international coming to Germany you need to register for the mandatory health insurance scheme within 30 days from the day you register at a residence address. We apologize for the inconvenience. Ukrainian refugees who receive social benefits from the Jobcentre are eligible for statutory health insurance in Germany. If youre a European citizen and want to travel in other EU countries you must have your EHIC on your luggage otherwise in case of an emergency your health insurance in your home country wont cover any of your medical expenses. If you are a doctoral student, you should seek advice about insurance requirements from the Welcome Centre. The price for students starts at 28 EUR per month, and a good policy for employees will cost around 220 EUR per month. Doctor appointment service & live chat. 4. Whereas, if youre holding a private health insurance you wont be paying a single cent. Its product range includes classic and modern educational media for everyday school life as well as lesson preparation, specialist literature and fine literature. Holding this insurance card doesnt cover your medical treatment if you travel abroad for the purpose of giving birth in the destination country. If youre on private health insurance or using health insurance from your home country, you may also need to get proof of being exempt from public health insurance in Germany. If youre from a country that doesnt have an EHIC card, you are eligible to apply for public health insurance in Germany at the discount student rate. The majority of exchange students in Germany choose a private insurance plan customized for them because they are more comprehensive in terms of coverage. One of the German health insurance companies most exhange students choose isDR-WALTER. To get proof of your German health insurance, you should contact the company you started your plan with. How To Apply To Study in Germany The risks of life change with advancing age, e.g. Techniker Krankenkasse is the largest German public health insurer and covers one . There are specific officials and sections that deal with the health issues of the refugees accommodated there. The public health insurance has a limited geographical coverage as opposed to a private health insurance provider which most of the time have a wider coverage. Around 24 million people are insured under the regional 11 AOKs close to a third of the German population. Also, the refugees qualification obtained back in their home country are mostly counted, but it may occur that the university requests another route to assess the applicants suitability. Non-prescription medicines must be paid in full. After you receive the admission letter, the university is supposed to give you the necessary information around relevant issues relating to your staying in Germany as an international student. Over 8.6 million policyholders place their trust in us. When getting insured under the European Health Insurance scheme, you will also receive some other documents in letter form apart from your EHIC card. at Because Germany has concluded social insurance agreements with the member states of the European Union, the European Economic Area and other states, the statutory health insurance of many international students is also valid for medically necessary treatment (emergency care) during their stay in Germany. If you plan on doing an internship, having a student work contract or a job as a student assistant or a minor employment while studying in Germany, you need to have German health insurance. vaccinations. Yes it does: with ottonova - the health insurance for the mobile age: digital, fast and with great savings potential. Experts recommend adapting the scope of insurance cover to the individual requirements. It depends on the type of health insurance youre holding. All international students in Germany are required to have insurance during their stay. If you are in a hurry, use this online checker to see if you meet the conditions: In our guide below, weve covered everything you need to know about choosing the right plan for the nature of your stay and your condition. Public health insurance contributions for 2020/21 are as follows: TK Techniker Krankenkasse - 105,80 AOK Baden Wrttemberg - 107,29 Barmer - 108,77 DAK Gesundheit - 111,75 KKH Kaufmnnische Krankenkasse - 111,75 If you want to remain in private health insurance after your studies, for example, because you want to become a civil servant, this is the right way to go. If youre insured with a public health insurance provider then 10% must be paid with a maximum of 10 euros and a minimum of 5 euros per prescription. Private health insurance companies such as DR. Walter offer affordable health insurance plans for students in Germany. Health insurance is not mandatory to receive admission at TUM. 13. The European Health Insurance Card (EHIC) is a membership card which allows European citizens to pursue necessary medical care while being in a foreign country, free of charge or at a reduced cost. This form of insurance is often referred to as "travel" or "incoming" health insurance. The so-called basic coverage plan was introduced in 2009. Individual states that comprise the country of Germany set their refugee health insurance policy on their own. Basic coverage is always the same: your health insurance covers the cost of check-ups, treatment for illness or after an accident, and certain medications. Starting at about 33 per month, the price of private health insurance in Germany rises based on the extra services you choose and if you plan to stay for 18 months or more. Once you find the one it suits you must initiate the process of the health insuring by contacting your chosen provider. Understanding the organization and the way it functions is very important before seeking a health insurance. Below weve provided all the information refugees must have prior to seeking insurance in Germany: It all begins with knowing where to make a request for seeking health insurance. According to UNHCR statistics, by the middle of 2021 there were nearly 1.24 million refugees and 233,000 asylum seekers in Germany. These refugees mostly come from areas of conflict like Syria, Iraq and Afghanistan and because of this a large number of them are either injured or have some kind of illness. Students who reach the age of 30 while studying in Germany and who are not insured for at least 12 months in the student tariff can not switch to the statutory health insurance for students. Moreover, you can get medical treatment in a private hospital or even ask to have your personal doctor who will be taking care of you whenever you need. We offer accredited Bachelor's, Master's and MBA degree programmes in German and English on a full-time or part-time basis. Is my health insurance policy valid in Germany? Comparing Europe with Germany, the statutory health insurance or private health insurance pays for the illness costs to a similar extent. We take care of everything when it comes to your health so that you can focus on your studies. Ph.D. academic staff working at the university and needing to pay social security fees are automatically covered by the statutory policies. In contrast, the private health insurance can cover more specific medical treatments. Individual purposes and third parties can be taken from the following list and excluded from my consent. Germany is one of the countries that welcome thousands of guest workers, researchers, and scientists. A further indication of the well-structured body, are health insurance options. The coverage is identical to that offered by public health insurance. Further intervention can only be given if the medical team assess that there is an emergency to act. are insured. In individual cases, however, it can be extended beyond this if one of the following reasons applies: You want to become a civil servant or become self-employed? It is applicable to all damages for which the insured person is liable to pay or for which he/she has to assume financial responsibility. Each system has advantages and disadvantages. Once you become a resident, you have to register with either a public or private healthcare provider. Here are some useful healthcare words you can use in Germany: Gesetzliche Krankenversicherung = Statutory public health insurance, Krankenkassen = Non-profit associations that administer public healthcare insurance, like Techniker Krankenkasse (TK), Krankenversichertenkarte = Health insurance card, ffentliche Krankenhuser = Public hospital, Pflegepflichtversicherung = Nursing care insurance, Private Krankenversicherung = Private health insurance. For this purpose, an anonymised, randomly generated ID is used. When it comes to health, you are on the safe side with us. For students studying at a private non-state-accredited university, for students aged 30 years and older, for students starting their 15th semester (or higher) or for doctoral students. Whether you are staying abroad as a pupil, student, doctoral candidate, scholarship winner, trainee . Student health insurance with statutory health insurance funds normally ends when you reach the age of 30. When getting a GKV health insurance you must read carefully what it covers, because if you go beyond its coverage youll have to pay on your own. This made the Krankenassens able to cover citizens medical needs. Please choose another one. Note that you can still pursue a health insurance in EU countries, Liechtenstein, Iceland, Norway or Switzerland even though you may have been insured in another country. The travel health insurance does not only pay for the illness costs but additionally bears the costs of the medically required return transport to Germany. Years later, after the E111 was replaced in 2005, the European countries increased their commitment to widening the participation. If you need more information or have questions about studying in Germany and requirements, you can schedule an appointment with one of our student advisors or attend one of our virtual info sessions. exclusive additional services: With our Plus Young-Tariff, you receive a bonus from us of up to 100 Euro per year. In such an event the third-party liability insurance covers these costs. 8 Steps to Study in Germany One of the extra benefits that the health insurance system in Germany is that your insurance can cover your relatives who at the moment when they need the medical assistance were visiting you. The social welfare office responsible for you is the one in the district you are living in. You must have health insurance to stay in Germany as an exchange student. Unlimited insurance coverage (more than 30,000.00 are covered) Valid for the agreed period within 12 months from the applied start of insurance - multiple entry and exit is possible. After the end of this period of time, youre free to decide if you want to change because of premium policies or other conditions. The accident insurance is applicable, if the insured persons health is severely impaired either by permanent disability or a long recovery process as a consequence of an accident. visiting the doctor). In the following, we will introduce you to different options: If you were privately insured before your studies, you can choose the student public health insurance and pay around 121 or decide for a student tariff of private health insurance.
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