Do I need health insurance to study in Germany?

Yes, health insurance is mandatory for all students in Germany. You need proof of insurance for university enrollment and visa applications.

Is this insurance accepted for visa applications?

Yes, all our plans meet the requirements set by German embassies and consulates for student visa applications.

Can I switch to public insurance later?

If you are under 30 and enrolled at a German university, you may be eligible to switch to public health insurance (GKV). We can advise you on the process.

What happens if I need to see a doctor?

Visit any doctor in Germany and present your insurance card or certificate. We cover consultations, treatments, and prescribed medications according to your plan.

How quickly will I receive my certificate?

After completing your application and payment, you will receive your insurance certificate via email within 24 hours.

Can I cancel my insurance?

Yes, you can cancel with the notice period specified in your plan terms. We offer flexible cancellation policies for students.

How to Choose the Right Health Insurance as an International Student

Choosing health insurance as an international student can feel overwhelming. This guide walks you through every step, from understanding your requirements to spotting red flags.

Step 1: Understand Your Country’s Requirements

Before comparing plans, you need to know exactly what your host country requires:

Is health insurance mandatory for your visa type?
Does the country require a specific type of insurance?
What minimum coverage amount is required?

For example, Australia requires OSHC from one of five approved providers. Germany requires either public (GKV) or private insurance.

Step 2: Know What Coverage You Need

Key Coverage (Must-Have)

Inpatient hospital care
Outpatient care (doctor visits)
Emergency treatment
Prescription medications
Mental health services
Repatriation

Important Coverage (Should-Have)

Dental care (at least emergency)
Vision care
Preventive care
Maternity coverage (if relevant)

Step 3: Compare Costs

Don’t just compare monthly premiums. The true cost includes:

Component	What to Look For
Monthly premium	€80-€150 (Europe), $150-$300 (USA)
Deductible	Lower = higher premium
Co-payments	Percentage you pay per service
Annual maximum	€250,000+ recommended

Step 4: Evaluate the Provider

Reputation and Financial Stability

How long has the company been operating?
Are they licensed in your host country?
What do other students say? (Check reviews)

Claims Process

How do you file a claim?
How quickly are claims processed?
Is direct billing available?

Step 5: Watch for Red Flags

Automatic Red Flags

Not accepted for visa applications
No coverage for pre-existing conditions ever
Very low annual maximum (under €50,000)
No emergency coverage
Company has no license in your host country

Warning Signs

Very low premiums that seem too good to be true
Long waiting periods (6+ months)
Complicated claims processes
Poor reviews from other students

Step 6: Use This Checklist

Visa Requirements ✅

Plan meets all visa insurance requirements
Insurance certificate is available in required format
Coverage dates align with visa dates
Provider is recognized by embassy

Coverage ✅

Inpatient and outpatient care included
Emergency treatment covered
Mental health services included
Prescription medication coverage
Repatriation coverage

Country-Specific Tips

Germany

Choose between public health insurance (GKV) and private insurance. For most students under 30, public insurance like TK, AOK, or Barmer is the better choice.

Australia

You must purchase OSHC from one of five approved providers.

USA

Most universities require you to enroll in their student health plan or provide proof of equivalent coverage.

Final Advice

Don’t choose based on price alone. The cheapest plan is never the best deal if it doesn’t cover you when you need it most.

Need help comparing plans? Use our comparison tool to find the perfect health insurance for your study destination.