What will insurance cost for your whole stay?

It depends on the country and the option. In Germany the public student rate (GKV) costs €139.28–€151.42/month in 2026 and private student tariffs start at €27.50/month; in Australia single OSHC cover costs AUD 55–60/month (AUD 665–726/year). Pick a destination above to see every option with its total for your stay.

From our country guides and our tariff data for 2026: German public insurance from the statutory contribution rates, private student tariffs and Australian OSHC from the prices the providers publish.

Some options have no fixed price — for example “free if eligible”, “included in tuition” or a share of your salary. We do not estimate those; the calculator shows the text from the country guide instead.

In Germany, yes: the GKV student rate applies to students under 30; from 30 you pay the voluntary rate of €273–€291/month. Private student tariffs are priced by age band, and some accept students only up to a certain age. For the other countries the calculator uses the listed prices from the guide.

No. The calculator multiplies the listed price by your length of stay. The provider sets the final price and issues the policy and the insurance certificate. We compare and link to the provider — we do not sell insurance.