Information for

international students

Information for

international students

DSW | Florian Geppert
DSW | Florian Geppert

The Health Dictionary provides general overview information in German and English for international students.

Illstrated Health Dictionary

Health insurance

If you wish to study in Germany, you need health insurance. It must already be proofed at the enrolment. In Germany, there are two types of health insurances: private health insurance and public health insurance. We recommend you to insure yourself in student fare of a public health insurance. There are cheaper privat health insurances, but they do not include the necessary insurance coverage and in some cases are not recognized by the local immigration authorities. Therefore, we strongly advise you to exempt yourself from the public health insurance. Once you are insured in a private health insurance, you cannot change into a public health insurance during your studies.

The advisors of the Studierendenwerke provide information concerning health insurances.

With some countries, such as members of the European Union and the European Economic Area, Germany has a social security agreement: As long as you have public health insurance at home, you can get this insurance coverage approved by a public health insurance company in Germany. But make sure you clarify at home which documents you will need to take with you. For students, this is usually a European health insurance card (EHIC). Your insurance company will usually issue the EHIC free of charge.

An important note: As soon as EU- or EEA-students take up a part time job or a paid internship, they have to apply for German health insurance. Only a few countries offer to keep students insured when they take up a part time job or a paid internship. Ask your insurance provider about it.

It is possible that your insurance will not cover all costs in Germany. Before you enter the country, make sure you know exactly what services you are entitled to in Germany.

Sometimes private health insurance from other countries may also be recognised in Germany. You should clarify the exact details with your insurance.

If your private health insurance is recognised then for the purpose of your enrolment at university, you will need confirmation that you are exempt from taking out public health insurance. But be aware that for the duration of your studies, you cannot change to public health insurance.

With which countries does Germany have a social security agreement?

 

 

Whoever takes part in a language course in preparation for their studies cannot get public health insurance. 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 or contact the advisors for social welfare service for students.

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 who cannot be insured in public health insurances.

Tariff overview

  Vela Optimal Vela Basic  
1.-12. Month 78,00 EUR 34,50 EUR  
13.-60. Month 78,00 EUR 60,00 EUR  
       

 

If you are staying for a longer period, the "VELA optimal" tariff is recommended. This offers health insurance including vaccinations and preventive medical checkups. The tariff "VELA basic" offers only limited services and, therefore, is more suitable for exchange students who are only staying one or two terms in Germany.

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. Hence, we would like to point out that we do not recommend this tariff.

Information on health insurance from your Studierendenwerk or directly from:

VELA – a brand of UNION Versicherungsdienst GmbH

Customer service: 0800 603-6039 (Germany)
Customer service: +49 5231 603-6390 (International)
E-Mail: info@vela.insure

Click here for the website

After your 30th birthday you can no longer get public health insurance at the favourable student rate. However, you can also take out voluntary health insurance with one of the public health funds.

Otherwise, private health insurance is the other option. This applies particularly to students who are already 30 when they begin studying in Germany. The Deutsche Studentenwerk has made a general agreement with the UNION Versicherungsdienst GmbH for students who cannot get insurance with a public health fund.

Tariff overview

  Vela Optimal Vela Basic  
1.-12. Month 78,00 EUR 34,50 EUR  
13.-60. Month 78,00 EUR 60,00 EUR  
       

 

If you are staying for a longer period, the "VELA optimal" tariff is recommended. This offers health insurance including vaccinations and preventive medical checkups. The tariff "VELA basic" offers only limited services and, therefore, is more suitable for exchange students who are only staying one or two terms in Germany.

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. Hence, we would like to point out that we do not recommend this tariff.

Information on health insurance from your Studierendenwerk or directly from:

VELA – a brand of UNION Versicherungsdienst GmbH

Customer service: 0800 603-6039 (Germany)
Customer service: +49 5231 603-6390 (International)
E-Mail: info@vela.insure

Click here for the website