International students in Germany have to get health insurance before they are allowed to enroll in their University and obtain a residence permit. Student health insurance in Germany is designed to be more affordable than it is for other categories of people. The German healthcare system stands as a hallmark of efficiency, accessibility, and quality. It is renowned globally for its comprehensive coverage, advanced medical facilities, and emphasis on preventive care. By enforcing the requirement for health insurance, the government guarantees universal access to vital medical services, irrespective of an individual's income or health condition. Compulsory contributions from the insured, employers, and the government play a crucial role in maintaining the healthcare system, alleviating the strain on public services.

Table of Contents:

1) Introduction

2) How German health insurance works

▪ Statutory health insurance

▪ Private health insurance

3) Health Insurance for International Students

4) Cost of health insurance in Germany

5) How to Get Student Health Insurance in Germany?

6) What to do in an emergency?

7) Conclusion

How German health insurance works?

The German health insurance system operates as a dual system, combining both statutory health insurance (Gesetzliche Krankenversicherung or GKV) and private health insurance(Private Krankenversicherung or PKV). The majority of Germans (around 90%) are covered by statutory health insurance, where contributions are income-dependent and shared between employees and employers. This coverage includes a wide range of medical services, from general practitioner visits to hospital stays and medications.

Private insurance offers more flexibility in terms of coverage and additional services, but the costs vary based on factors such as age, health condition, and chosen coverage. For those with higher incomes, self-employed individuals, and civil servants, private health insurance becomes an option.

• International students in Germany are required to have health insurance that meets specific criteria. Many opt for student health insurance plans designed to fulfill university requirements.

Health Insurance for International Students:

Health insurance in Germany includes a wide range of medical services and coverage to ensure comprehensive healthcare for residents. Here are key components included in health insurance in Germany:

➢ Medical Treatments: Health insurance covers various medical treatments, including consultations with general practitioners and specialists.

 ➢ Hospital Stays: Coverage extends to hospital stays, encompassing both inpatient and outpatient services.

 ➢ Medications: Health insurance includes the cost of prescribed medications, with policyholders contributing a nominal fee known as a prescription co-payment.

 ➢ Preventive Care: Preventive measures, such as vaccinations and screenings, are part of health insurance coverage, emphasizing early detection of health issues.

➢ Dental Care: Dental care is considered separately from general health insurance, and individuals often have the option to purchase additional dental insurance.

 ➢ Rehabilitation Services: Health insurance may cover rehabilitation services, such as physiotherapy and occupational therapy, to aid in recovery from illnesses or injuries.

 ➢ Maternity Care: Maternity care, including prenatal and postnatal services, is covered by health insurance, supporting women through pregnancy and childbirth.

 ➢ Emergency Services: Emergency medical services, including ambulance transport and emergency room visits, are included in health insurance coverage.

 ➢ Medical Aids and Devices: Health insurance covers the costs of necessary medical aids and devices, such as crutches, wheelchairs, and hearing aids.

 ➢ Sick Leave and Sick Pay: In the case of illness, health insurance provides sick leave benefits and sick pay to employees, ensuring financial support during periods of incapacity to work.

Enrolling in public health insurance in Germany is not possible if:

 ➢ If students have health insurance coverage from their home country that meets certain standards set by German authorities, they may be exempt from enrolling in German public health insurance.

 ➢ Students who are above a certain age threshold may have the option to be exempt from public health insurance. This threshold is usually around 30 years of age.

 ➢ Some students, particularly those with higher incomes or specific circumstances, may choose private health insurance. In such cases, they would be exempt from statutory health insurance.

Cost of health insurance in Germany:

 • The costs of health insurance can differ based on whether you have public or private coverage. Public health insurance is generally more cost-effective, featuring a fixed payment rate that does not increase with age.Currently, the mandatory rate is set at 14.5% of your annual salary, along with an additional contribution that varies by provider. Additionally, you share half of the costs with your employer.

 • On the other hand, private insurance costs can fluctuate based on factors like age, health condition, and coverage level. Private insurance provides more flexibility, allowing individuals to customize their plans according to their needs. However, this flexibility often comes with higher premiums compared to public insurance. Private health insurance plans for international students can potentially be more economical, with some offered at rates as low as €70-€80. However, considering the expenses associated with appointments, check-ups, and deductibles, opting for private insurance may not always be the most cost-effective choice when compared to public healthcare insurance.

Failure to have insurance will likely result in a fine, typically imposed for the duration of the period you remained uninsured in the country. It is crucial to promptly address your health insurance in Germany to avoid potential penalties.

How to Get Student Health Insurance in Germany?

 1. Obtaining student health insurance in Germany is a crucial step for international students to ensure access to healthcare services during their studies. The process typically involves the following steps. 

 2. Firstly, students should research and choose a suitable health insurance provider. Most students opt for public health insurance, but private insurance is also an option. Upon selection, students need to apply for health insurance and provide necessary documents such as enrollment confirmation from the university, a valid passport, and proof of residence in Germany. 

 3. Once the application is approved, students receive a certificate of insurance, which is often required during university enrollment. It's essential to initiate this process early to comply with the enrollment regulations of the university and avoid any potential fines for late registration. 

 4. Overall, securing student health insurance in Germany is a straightforward but crucial procedure for international students to ensure their well-being throughout their academic journey.

 5. Prior to your arrival in Germany, it is necessary to apply for a German Student Visa through one of the German embassies or consulates abroad. As part of this process, you will also be required to obtain a short-term travel health insurance plan, which provides coverage for the initial period of your stay until you secure long-term health insurance. While travel health insurance is a prerequisite for the German visa application, it cannot serve as a substitute for student health insurance in Germany. 

 6. It is essential to adhere to these requirements to ensure a smooth visa application process and subsequent enrollment in a comprehensive health insurance plan upon your arrival in the country.

What to do in an emergency?

In the case of an emergency in Germany, dial 112 to request an ambulance. This universal emergency number is applicable in all EU countries. If you encounter difficulties explaining your situation in German, inquire about an operator proficient in English; though availability is not guaranteed, efforts will be made to assist. For non-urgent medical inquiries, you can contact 116-117. This hotline is administered by the German National Association of Statutory Health Insurance Physicians and serves as a resource for medical queries that do not require immediate attention.

 Conclusion:

In conclusion, health insurance in Germany is a crucial aspect of ensuring the well-being of residents and international students. The country's healthcare system, with its blend of public and private elements, aims to provide comprehensive coverage for a diverse population. Students, both local and international, are required to secure appropriate health insurance, and understanding the coverage options is vital. Whether opting for public or private insurance, individuals should carefully assess their needs, considering factors such as affordability, coverage extent, and any additional benefits. The German healthcare system's commitment to universal access and high-quality care underscores its significance in promoting the health and welfare of those residing in the country. Overall, a well-informed choice and compliance with insurance regulations contribute to a seamless and protected healthcare experience in Germany.