Deutsches Studentenwerk

Health insurance before studies begin

Whoever takes part in a language course in preparation for their studies cannot get health insurance from a public health fund. In this case you must opt for private health insurance. Once the language course has been completed students who are younger than 30 can change to the public health insurance for the duration of their studies.


Some health insurance companies offer voluntary insurance to students at preparatory colleges at a reduced school student rate – find out more from the insurance company directly.


The regulations for preparatory colleges vary. The best thing to do is to contact the preparatory college of the university where you would like to study later on. 

The Deutsche Studentenwerk has made a general agreement with the UNION Versicherungsdienst GmbH for students participating in language courses. 

Tariff overview
  Vela Optimal Vela Basic
1.-12. Months 78,00 EUR 34,50 EUR
13.-60. Months 78,00 EUR 60,00 EUR


If you are staying for a longer period, the "VELA optimal" tariff is recommended. This offers comprehensive health insurance including vaccinations and preventive medical checkups. The tariff "VELA basic" offers only limited services and is more suitable for exchange students who are only staying one or two terms in Germany. It is especially good value for money in the first twelve months; however as of the 13th month the contributions for the basic tariff increase.

Please note:

The tariff "VELA Light" listed on the Vela website is not part of the general agreement of the Deutsche Studentenwerk with UNION Versicherungsdienst GmbH. Hence, we would like to point out that we do not recommend this tariff.

More information from your Studentenwerk or directly from:

VELA - a brand of UNION Versicherungsdienst GmbH

Ecclesiastr. 1-4

D- 32758 Detmold

Customer service: 0800 603-6039 (Germany)
Customer service: +49 5231 603-6390 (international)

Click here for the website