Student Health Insurance

Question: Is it mandatory for students to get a German health insurance?

Answer: 

Under German law and European Union Authority everybody studying at college or university is required to procure health insurance from a German health insurer (same as compulsory German visa). You will need to submit an insurance certificate (Krankenversicherung) when enrolling at college or university. Deutsche Insurance Team will provide you such a certificate.

In case you are originating from a European Economic Zone country AND already have a health insurance in your home country Deutsche Insurance will help you to obtain confirmation of release from a German health insurance.

Question: What is the average policy rate? When does this policy get effective and for how long is it valid?

Answer:

All statutory health insurance providers offer a Student Health Insurance policy at attractive rates. Monthly rates please see below.

Your insurance takes effect from the day you enroll at college or university and remains valid until completion of the 14th semester or until you are 30 years old.

Still an extension may be justified for family or other personal reasons such as serious illness or birth of a child. In case you originate from a country of European Health Insurance Card (EHIC) you may be able to use your local health insurance. You might want to contact the International Student Office (Akademisches Auslandsamt) of your respective German university.

Question: Does it mean that a student cannot be insured being older than 30?

Answer:

Voluntary insurance

In case you are older than 30 you should look for a private health insurer.

Students having their residence in Germany, who are no longer insured under the statutory system, may procure insurance as voluntary members. In order to qualify however, you have to provide proof of a “previous insurance” covering either a total of 24 months within the last 5 years or at least one year (12 months) uninterrupted insurance prior to registration with a German statutory health insurer.

Deutsche Insurance Team will be happy to assist you finding the best solution.

Question: May a family member accompanying the student get coverage by the same insurance provider? What is the additional expense?

Answer:

Family insurance

If members of your family are accompanying you to Germany, they may also be insured by your health insurer at a small additional charge. In order to qualify, members of your family must also live in Germany. Further they must not exceed certain low income limits. Your HEALTH INSURER and Deutsche Insurance will be pleased to advise you.

Question: Which doctor may I see?

Answer:

In case of illness you may choose a recognized medical doctor or dentist of your trust from more than 380.000 in Germany using your HEALTH INSURANCE card.

Question: Which medicines will I get?

Answer:

Students covered under a health insurance policy can be sure of having access to all medicines required for the best medical care at a minor cost. You may make use of your doctor´s experience letting him advise you the right medicine. Your HEALTH INSURER will arrange payment to the doctor and the pharmacy within an agreed legal limit.

For medication only available by prescription students as well as all other patients have to make a small contribution.

Question: Remedies?

Answer:

Physiotherapy, ergo therapy, baths, massage, logopedics or radiation are some examples of remedies to be prescribed.

In case your doctor considers the provision of such remedies necessary for medical reasons and prescribing them, your HEALTH INSURER will bear the cost (excluding the statutory co-payment).

Question: Is there a special option for language students?

Answer:

Depending on duration of your course, there may exist the option of an economic travel insurance covering cost of medical treatment during your stay in Germany. Deutsche Insurance Team on e-mail request will be happy to advise you.

Question: Is there any designated personnel to advise the student on health insurance aspects?

Answer:

your Deutsche Insurance Team and your HEALTH INSURER.

Both will provide you with comprehensive health insurance at affordable rates providing competent advice when required.

Send us an e-mail (info@deutscheinsurance.de) and Deutsche Insurance Team is happily at your disposal.