How to Apply for German Public Health Insurance (GKV)
If you’re studying in Germany, you’ll need health insurance. It’s mandatory. For most international students under 30, German public health insurance (GKV) is the best option.
What Is GKV?
- Regulated by the government
- Income-based contributions
- Full coverage
- No health checks, no exclusions for pre-existing conditions
Studying in Germany requires navigating the complex health insurance landscape. For a comprehensive overview, explore our complete guide to health insurance in Germany. Understanding the difference between public (GKV) and private insurance is crucial for making the right choice for your situation.
Who Can Join GKV?
Eligible
- International students enrolled at a German university
- Under 30 years old
- Within your regular Fachstudienzeit (standard study period), usually while under 30
Not Eligible
- Students over 30
- Over 30 or clearly beyond your regular Fachstudienzeit (there is no fixed 14th-semester cutoff)
- PhD students (in most cases)
How Much Does GKV Cost?
| Component | Monthly Cost |
|---|---|
| Health insurance (KV) | ~€110 (TK 2026 incl. Zusatzbeitrag) |
| Long-term care insurance (PV) | ~€31 (with children) to ~€36 (childless >23) |
| Total | ~€141-€146/month |
The Top 3 GKV Providers
TK (Techniker Krankenkasse)
- Members: 11+ million
- English support: Yes
- Best for: Most international students
AOK (Allgemeine Ortskrankenkasse)
- Members: 27+ million
- English support: Limited
- Best for: Those who prefer in-person support
Barmer
- Members: 8+ million
- Best for: Digital services
How to Apply: Step-by-Step
- Gather documents: Passport, admission letter, proof of address, IBAN
- Choose provider: Compare TK, AOK, Barmer
- Apply online (TK) or in-person
- Get insurance certificate for university
- Receive your health insurance card
Ready to apply for German public health insurance? Compare GKV providers and apply online.
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