If you’re planning to study in Germany, one of the first things you need to arrange is health insurance. It’s a legal requirement and a crucial part of your enrollment process. Whether you’re an undergraduate, postgraduate, or doctoral student, you must show proof of health insurance to register at a German university.
If you’re planning to study in Germany, one of the first things you need to arrange is health insurance. It’s a legal requirement and a crucial part of your enrollment process. Whether you’re an undergraduate, postgraduate, or doctoral student, you must show proof of health insurance to register at a German university.
Types of Health Insurance for International Students
There are two main types of health insurance in Germany: public health insurance (GKV) and private health insurance (PKV).
- Public health insurance (GKV) is the standard option for most international students under 30 enrolled in degree programs. It offers full coverage at a fixed monthly cost which is around €110 in 2025. Doctor visits, hospital stays, dental care, prescription medications, and preventive check-ups are included. Spouses and children may be covered for free if they are not employed.
- Private health insurance (PKV) is an alternative for students over 30, language course participants, and self-funded PhD students. It offers flexible plans and faster access to specialists, but prices vary based on age, health, and coverage level. Monthly costs can range from €150 to over €1,000, and dependents are not included at no additional cost.
How to Apply for Health Insurance in Germany
Step 1: Check which type of insurance you’re eligible for
- Under 30 and enrolled in a degree program? GKV is likely your best bet.
- Over 30 or in a non-degree course? You’ll likely need PKV.
Step 2: Choose an insurance provider
For GKV, major providers include:
- TK (Techniker Krankenkasse)
- AOK
- Barmer
- DAK
For PKV, there are dozens of private companies. Services like Feather or DR-WALTER can help compare options in English.
Some universities have preferred partners for quicker processing and extra student perks.
Step 3: Submit your application
- Most insurers offer online forms in English
- You’ll typically need:
- Passport
- University admission letter
- Proof of enrolment (when available)
- Address in Germany (or temporary one). You can also make use of your university address.
Step 4: Pay your first monthly premium
Your insurance coverage starts after you pay your first bill. Ensure you open a German bank account to facilitate easy payment handling.
Step 5: Get your insurance certificate/card
- With GKV, you’ll get a Gesundheitskarte (electronic health card)—show it at every doctor’s appointment.
- With PKV, you’ll receive a Versicherungsschein, which is proof of coverage.
Some foreign health plans may be accepted, but it’s important to confirm with your university. Having the right student health insurance in Germany ensures access to healthcare and keeps you in compliance with visa regulations.
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