• Study in Germany

Health Insurance in Germany for International Students

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  • read time3 min Read
  • By:CANAM Group
  • Updated On:Jun 10,2024 01:15 PM IST

  • Health insurance is necessary for all residents, including international students, which means you must have health insurance to study in Germany.
  • You can choose from public and private health insurance options for comprehensive coverage.
  • Both public and private health insurance in Germany cover essential medical needs, but you may have to explore more for specifics about dental, vision and pre-existing health conditions. 

Health Insurance in Germany for International Students.webp

Do you know that Germany has one of the world's oldest national health insurance systems? That's right, and the health insurance system of Germany dates back to 1883. It was founded under the guidance of Otto von Bismarck, a rather famous public figure from Germany. This long-standing commitment to healthcare accessibility is one major reason why studying in Germany consistently ranks high in global healthcare rankings. And to keep the streak going, Germany requires all its citizens to have health insurance. 

Yes, you read that right; health insurance is mandatory for everyone in Germany, including international students. Whether you are in Germany for one semester or several years, you must have health insurance to study there. The search for health insurance in Germany may perplex you if you don't have the correct information at hand, which is why this blog post contains information you may require to make well-informed decisions. 

Why do Students Need Health Insurance in Germany?

Health insurance is mandatory by law in Germany for every resident, including international students. It is essential because healthcare in Germany is built on the principle of solidarity, which means everyone contributes financially to ensure access to good-quality medical services for all, regardless of income or health status. Germany came up with the idea of mandating health insurance to keep this system balanced and efficient. 

In addition, you won't be able to get a student visa without proof of health insurance. To study in Germany, you must choose a health insurance plan that meets German health insurance standards.    

Eligibility for Health Insurance in Germany (Public & Private) 

You may have to decide on health insurance before finalising your enrolment at your desired German university. Luckily, there are two main options for health insurance in Germany: private and public. For both private and public health insurance, you may have to meet certain criteria, such as: 

For Public Health Insurance, you must: 

  • Be under the age of 30
  • Be pursuing a regular degree program
  • Submit the letter of acceptance from the university

For Private Health Insurance, you must: 

  • You are over the age of 30
  • You will be pursuing a non-regular degree program
  • You are there as a PhD student, Guest Scientist, or Researcher

How to Apply for a Health Insurance in Germany?

Having health insurance is not that prevalent in India, which may make applying for one to study in Germany seem complicated or even pointless. It's not as futile as you think, though, given the protection you gain from the mountain of bills a hospital generates even on a single visit. The process is not that complicated if you keep the following steps in mind: