How to Get Your Health Insurance in Germany

Health insurance is mandatory for all students in Germany. Without it, you cannot apply for a student visa, enroll at a university, or get your residence permit. The good news is that the process is simple if you prepare early. Here are five easy steps to secure your health insurance in Germany.

Step 1: Check Which Type of Insurance You Need

There are two main types of health insurance for international students:

• Public (statutory) health insurance: Recommended for students under 30 years old who are enrolled in a degree program. Monthly cost: about €120–€130. Covers doctor visits, hospital stays, and prescriptions. Popular providers: TK, AOK, Barmer.
• Private health insurance: For students over 30, language students, or those in preparatory courses (Studienkolleg). Monthly cost: often €35–€70 depending on coverage. Not all private policies are accepted—make sure yours is recognized by German authorities.

Step 2: Choose a Health Insurance Provider

Once you know whether you need public or private insurance, compare providers. Look at:

• Monthly premiums
• Coverage details (dental, prescriptions, emergency care)
• Support in English for international students
• Online registration options

Step 3: Apply Online Before You Arrive

Most insurance companies allow you to apply from abroad. You’ll need:

• Passport copy
• University admission letter
• Personal details (address, date of birth, etc.)
• Once approved, you’ll receive a confirmation of coverage (Versicherungsbescheinigung). You will need this for your visa application and university enrollment.

Step 4: Use Your Insurance Certificate for Enrollment and Visa

Your university and local immigration office will ask for proof of health insurance. The Versicherungsbescheinigung is the official document that confirms you are covered. Without it, you cannot finalize your enrollment or residence permit.

Step 5: Activate Payments in Germany

When you open a German bank account, set up monthly payments for your health insurance. Public insurance costs are deducted monthly. If you have private insurance, payments are arranged directly with your provider.

Conclusion

Getting health insurance in Germany doesn’t have to be complicated. By following these five steps checking your eligibility, choosing a provider, applying online, using your certificate for enrollment, and setting up payments—you’ll be ready for your studies without stress.