Which health insurance is required for students to obtain a student visa in Germany?
To apply for a student visa in Germany, international students must show proof of valid student health insurance. Germany requires that all students — regardless of nationality — be covered by either German public health insurance or a recognized private health insurance plan, depending on their age and academic status.
German Public Health Insurance (Statutory Insurance)
If you are:
Under 30 years old
Enrolled in a full-time university degree program
You are required to register with a German public health insurance provider, such as:
Key facts:
- Monthly cost: ~€120
- Comprehensive coverage: doctor visits, hospital stays, prescriptions, mental health, and preventive checkups
- Fully accepted for visa and university enrollment
No upfront payment at clinics — billing is handled directly between doctors and your insurer
Most embassies and consulates prefer this type of insurance because it meets all German legal requirements.
German Private Health Insurance(Private Krankenversicherung)
If you are:
- Over 30 years old
- Attending a language course or Studienkolleg (preparatory course)
- Not eligible for public insurance (e.g., certain gap year or exchange programs)
- You will need to purchase German private health insurance that meets visa requirements.
Popular private insurers for students:
Requirements for visa approval:
- Minimum coverage of €30,000
- Valid for the entire stay
- Covers essential medical treatments, hospitalization, and emergencies
How to Enroll in German Public Health Insurance (GKV) Step by Step
Securing public health insurance (Gesetzliche Krankenversicherung, GKV) is mandatory for student visa approval in Germany. Follow these simple steps to complete your GKV registration swiftly:
1. Choose Your Provider
Research and compare popular funds like Techniker Krankenkasse (TK), AOK or Barmer based on coverage, service hours and English support.
2. Gather Required Documents
- Valid passport or national ID
- Proof of university enrollment (Immatrikulationsbescheinigung)
- German bank account details (IBAN)
- Residence permit or visa approval letter
3. Complete the Application Form
Visit the insurer’s website to fill out the online form, or request a paper version by email. Enter personal details exactly as they appear on your passport.
4. Submit Your Application
Attach scanned documents (enrollment certificate, passport ID page, bank details) and send them by email or upload via the insurer’s portal. Some funds allow in-person submissions at local offices.
5. Receive Your Insurance Confirmation
Within a few days, you’ll get your electronic insurance card (eGK) and a confirmation letter with your Versicherungsnummer. Keep these safe—they’re required for medical appointments.
6. Inform Your University
Upload the insurance confirmation to your student portal or send it to the international office. Once verified, you’ll officially meet the health coverage requirement for your visa.
With GKV in place, you can focus on settling into student life in Germany confidently.