Why Health Insurance Matters in Germany
If you’re planning to study in Germany, health insurance isn’t optional, it’s a legal requirement. Without valid proof of health insurance, you can’t enroll at a German university, and you won’t get your student visa approved.
But don’t worry. The German healthcare system is one of the best in the world, and as a student, you get access to excellent coverage at subsidized rates.
The Two Types of Health Insurance
Germany operates a dual healthcare system:
Public Health Insurance (GKV)
The Gesetzliche Krankenversicherung is the default choice for most international students. Key facts:
- Cost: ~€146/month (fixed student rate)
- Who qualifies: Students under 30, enrolled in a degree program
- Coverage: Full: doctor visits, hospitals, prescriptions, mental health
- Providers: TK, AOK, Barmer, DAK, IKK (all offer same base coverage)
Private Health Insurance (PKV)
Private Krankenversicherung is an alternative for students who don’t qualify for GKV:
- Cost: From €39/month (varies by plan)
- Who needs it: Students over 30, language course students, PhD candidates
- Coverage: Depends on the plan you choose
- Flexibility: More options, but harder to switch back to GKV
How to Choose the Right Insurance
Under 30 and enrolled in a degree program? → Go with GKV (public). The TK (Techniker Krankenkasse) is the most popular choice among international students thanks to excellent English support and a modern app.
Over 30, in a language course, or need temporary coverage? → Private insurance is your best option. Compare plans based on coverage level and monthly cost.
Step-by-Step: Getting Insured
- Before arrival: Research your options and decide between GKV and private
- Apply: Submit your application online with your university admission letter
- Receive certificate: Get your Versicherungsbescheinigung within 1–3 days
- Enroll: Submit the certificate to your university
- Get your card: Receive your electronic health card (eGK) by mail
Common Mistakes to Avoid
- Don’t wait until the last minute. Start the process before you arrive in Germany.
- Don’t assume your home insurance works. Unless you’re from an EU/EEA country with an EHIC, you’ll need German insurance.
- Don’t choose the cheapest private plan without reading the fine print. Some budget plans don’t meet embassy requirements.
The Bottom Line
For most international students under 30, GKV is the clear winner: full coverage, fixed pricing, and universal acceptance. Students over 30 or in special situations should compare private plans carefully.
Whatever you choose, make sure you have valid insurance before your first day at university. It’s the foundation for a worry-free study experience in Germany.