In compliance with the regulations of the Immigration Office, you must also prove that you have health insurance that covers you in Germany. You can purchase health insurance in your home country or ask whether your current policy covers you during your stay in Germany. Please note to bring with you any medications that you regularly need and that you are allowed to import.

If you wish to be covered with a German insurance policy, we can assist you in applying for coverage under an affordable health insurance policy. There are public and private insurance providers in Germany that satisfy the German health insurance requirements for the residence permit. Be aware that there are pros and cons with both insurance systems, the private and public one.

Public Insurance with Techniker Krankenkasse

If you are younger than 30 and have not studied more than seven years, you may choose a public insurance with the Techniker Krankenkasse. The premium is € 58 per month, offers full coverage for you and also spouse and children. The insurance company will debit the premium directly from your bank account. If you need to visit public doctors or public hospitals, you will be asked to pay € 10 in cash for the first visit each calendar quarter. If the doctor sends you to another specialist, you need to ask for a referral. In some cases, you may need to wait a couple of hours for a medical examination, even in an urgent case. If you go for a regular checkup, please make an appointment in advance. Some medications are free, others have to be paid extra. With the insurance card, the insurance company automatically pays your doctor's bills. We advise you to buy additionally a liability insurance for approximately € 30 per year. If you go abroad for up to 71 days, you need to buy an additional travel insurance that costs € 10 per year. Should you stay in Germany beyond the end of the Study Program, the Techniker Krankenkasse will increase the premium to more than € 100 per month.

Private insurance with HanseMerkur Reiseversicherung AG

Without age limit, you may apply for a combined health, accident and liability insurance. There are three policy options: Basic care: € 37 per month; Profi care:
€ 45 per month and Premium care: € 50 per month. It does not cover spouse and children. The insurance company will debit the premium directly from your bank account. This insurance covers only emergencies, not general checkups. If you regularly need to go to a preventative care from a dentist or gynecologist, there is only very limited coverage. The treatment of previous illnesses is only partly covered by the insurance. Please ask us for the exact benefits of all three options. You may extend the insurance after the study program for 4 more years and will then pay some € 20 more monthly than for the first 12 months. HanseMerkur travel insurance is valid only during your stay in Germany as well as for short-term stays in your home country and in third countries for up to six weeks.

Both insurances can be concluded only for the complete duration of your stay in Germany. The contract commences and terminates on the dates indicated in the insurance certificate; it must be concluded within 31 days of entry into Germany or before departure abroad. 

If you have any questions regarding the insurance policies, please do not hesitate to contact Ms. Maite Anna Bäurle: maite.baeurle(at)law-school.de.