Insurance Finder

GKV (Gesetzliche Krankenversicherung) is Germany's public health insurance, costing €141.16–€146.29/month for students under 30 in 2026 (TK/AOK Bayern €141.16, DAK €145.52, BARMER €146.29). PKV (Private Krankenversicherung) is private health insurance, starting from €28/month, and is designed for students over 30, language course students, or those who prefer private coverage. The Insurance Finder recommends the right type based on your age and student status.

Yes, if you are a non-EU student studying in Germany, you need both a blocked account and health insurance for your visa application. A blocked account proves you can financially support yourself (currently €11,904/year). The Insurance Finder identifies when you need a blocked account and shows you the best providers like Expatrio and Fintiba.

OSHC (Overseas Student Health Cover) is mandatory health insurance for all international students in Australia on a student visa. It costs between AUD 623-806/year depending on the provider. The Insurance Finder recommends OSHC providers when you select Australia as your study destination.

In Germany, switching from PKV to GKV is only possible if you are under 30 and enrolling in a degree program at a recognized university. Students over 30, language course students, and PhD candidates typically cannot join the GKV. Use the Insurance Finder to check which insurance type you qualify for.

Processing times vary by insurance type. German GKV providers like TK or AOK typically issue your insurance certificate within 1-3 business days. Private health insurance (PKV) can be activated within 24 hours. OSHC for Australia is usually confirmed within 1-2 business days. Blocked account setup takes 3-5 business days on average.