Health Insurance
Health insurance is mandatory in Germany. We work with DAK-Gesundheit to provide you with the best protection.
What is it?
Statutory health insurance is mandatory for all students in Germany. It provides comprehensive protection for medical treatments, hospital stays, and medications.
Why do I need it?
Without health insurance, you cannot enroll at a German university. Statutory health insurance is often cheaper and provides comprehensive protection.
Benefits
Requirements
Application Process
Choose a health insurance provider (e.g. DAK Gesundheit)
Apply online or in person
Receive insurance certificate
Submit certificate to university for enrollment
Insurance becomes active from contract start date (usually 1st of the month of enrollment)
What's Covered?
Important Notes
- •Enrollment is not possible without health insurance
- •Travel insurance or home country insurance is NOT sufficient
- •You need German-compliant health insurance from day one
- •The insurance must be valid for the entire study period
- •When changing insurance: New certificate required for university
Frequently Asked Questions
Which health insurance do I need?
For international students under 30 with fully enrolled study programs, statutory health insurance is generally mandatory. It provides uniform, comprehensive coverage and is accepted by all authorities and universities. In most cases, the student statutory health insurance tariff is the safest and recommended option.
How much does health insurance cost?
For students, the monthly contribution in statutory health insurance (KVdS) is expected to be in the range of about 145 to 155 euros in 2026, including long-term care insurance and the insurer-specific additional contribution. Typically, around 112 to 118 euros are for health insurance and about 34 to 36 euros are for long-term care insurance.
Can I use my insurance from my home country?
No, to enroll at a German university, you need German health insurance. Foreign insurance is not accepted.
When do I need to get the insurance?
Ideally before your arrival in Germany, so you already have the certificate for enrollment. Your health insurance becomes active from the start date of your contract (usually the 1st of the month of enrollment). Statutory health insurance starts from enrollment or semester start, not upon arrival.
Our Partners
We work with trusted partners to offer you the best deals. Register for free and our team will help you with the application.
DAK-Gesundheit
One of the largest statutory health insurance funds
Benefits
- Students: €145.52* (general) / €150.65 (from age 23 without children)
- * Reduction possible if you have more than one child under 25
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