Health insurance is a requirement for all students to be able to enroll for studies in Germany!
An international travel health insurance is often acceptable for entering Germany and for receiving a valid visa, however, it will not be sufficient to study at a German university!
If you come from an EU country and hold the European Health Insurance Card (EHIC) or Form E111, you usually do not have to take out statutory insurance. Since January 1, 2021, however, you must also apply for a certificate from a statutory health insurance that confirms that you are not subject to compulsory insurance. Please submit this certificate to the International Office after your arrival.
Students from non-EU third countries must take out a German health insurance plan - usually a statutory insurance. Information on statutory health insurance providers and further information on the subject of insurance can be found on the DAAD (German Academic Exchange Service) website. If you have any specific questions about individual insurance plans, please contact the providers directly.
If you take out a private health insurance instead - as, for certain legal reasons, you might not be entitled to a membership in a statutory health insurance - you will have to present written proof that you are officially exempt from the obligation to be insured in a German statutory health insurance. Such document can be issued by any statutory health insurance in Germany. The document will be considered proof for the university that the private health insurance cover is sufficient for enrolment.
The costs for statuatory health insurances are around EUR 100 per month, depending on the service and provider you choose. In all cases we recommend securing full insurance protection that includes treatment of chronic illnesses, long-term hospital stays, etc. You should also make sure that your health insurance covers treatment of the Coronavirus.
Liability insurance in addition to health insurance coverage is recommended to all students for their stay in Germany.
More detailled information on health insurance and liabililty insurance in Germany is available here.