Private Health Insurance

Private Insurance (PKV) for Students in Germany

Q: Who needs private health insurance (PKV) in Germany?

International students on language courses, exchange programs, or preparatory courses (Studienkolleg) typically need PKV since they are not eligible for public insurance (GKV). Students over 30 or those exceeding the 14-semester limit also switch to PKV.

Q: How much does private student insurance cost in Germany?

Private student health insurance in Germany starts from around €37/month for basic coverage. Premiums depend on your age, chosen plan level, and coverage scope. Most students pay between €37–78/month.

Q: Is private insurance accepted for the German student visa?

Yes, all PKV plans listed here are visa-compliant and accepted by German embassies and consulates for student visa applications. You receive an insurance certificate upon enrollment.

Q: Can I switch from PKV to GKV?

Switching from private to public insurance is possible if you start a degree program at a German university and are under 30. You must switch within 3 months of enrollment. Language course students on PKV can switch to GKV when they start their degree.

Q: What does PKV cover for students?

PKV covers outpatient treatment, hospital stays, prescribed medication, and emergency dental care. Higher-tier plans add mental health coverage, vision, pregnancy, and private hospital rooms.

Compare all available PKV plans side-by-side. Find the right coverage for your budget — from basic visa compliance to comprehensive premium plans.

Care College

Care Concept

Budget-friendly private health insurance by Care Concept — 3 tiers from €26/month with up to 5 years coverage

From€26/mo

Cheapest entry price from €26/month (Basic, under 29)
Comfort and Premium have zero deductible
All plans cover pregnancy (with 8-month waiting period for delivery)
Visa-compliant for German student visa

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Educare24

DR-WALTER

Flexible private health insurance by DR-WALTER with 4 plan tiers — includes accident & liability insurance from the M plan

From€34.50/mo

4 plan tiers with clear upgrade path (S → M → L → XL)
M plan includes accident (€105k disability) + liability (€1M) + deportation insurance for just €4.50 more than S
All plans cover pregnancy and childbirth with no waiting period
No deductible on any plan

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HanseMerkur Young Travel

HanseMerkur

Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany

From€36/mo

Affordable daily pricing from €1.19/day (Basic) or €1.75/day (Profi)
Profi plan includes accident (€60k disability) + liability (€2.5M) + emergency insurance
Profi plan covers psychotherapy up to €1,000/year
Profi plan covers pregnancy exams and delivery

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