Since the trend of studying abroad is on the rise, it is important that students are familiar with all the requirements. So, if you are planning to study in any country, such as Germany, you must know about the health insurance for students in Germany. It is one of the most important requirements that every student must fulfill. Thus, if you want to know more about it, then this blog is the perfect page for you. Here, you will read about the types of student health insurance Germany with steps to apply for the same.
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There are generally 2 types of student health insurance Germany, which are public and private. Read below for a detailed discussion of both types.
These are the 2 types of international student health insurance Germany that make you eligible to study there. Moreover, it is also important that you know the step-by-step guide to enroll in the German health insurance for international students. So, read about the same in the section below.
Know Which Insurance Type Is Best for You
Knowing about the health insurance for students in Germany requires being aware of the steps to enroll in it. So, read below to know about the online application process as well as the important documents that you require.
The process for online student health insurance Germany involves:
These are the important documents and application process that you must know while applying for the online student health insurance Germany. Moreover, it is also important that you know how to choose the best student health insurance in Germany. So, read about the same in the next section.
Making the right choice for anything in your life is crucial. Likewise, choosing the best health insurance for students in Germany is equally important. Thus, some of the steps you must know are:
The online student health insurance Germany, whether public (GKV) or private (PKV), includes coverage for hospitals, prescriptions, and dental care, but the scope of coverage can differ significantly.
1. Hospital Coverage:
2. Prescription Medications:
3. Dental Care:
Some of the top-rated insurers to provide international student health insurance Germany and especially for Indian students, are:
These are the steps to apply for the international student health insurance with ease. Thus, if you plan to study in Germany, then go through these steps for sure. Also, go through the next section to know about some cheapest health insurance providers.
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study in Germany
It is possible to find the cheapest health insurance in Germany for students. Some of the cheapest options are:
|
Health Insurance Provider |
Health Insurance Contribution (€) |
Long-Term Care Insurance Contribution (€) |
Total Contribution per Month as of 2024 (€) |
|
BKK firmus |
95.08 |
34.20 |
129.28 |
|
hkk Krankenkasse |
95.76 |
34.20 |
129.96 |
|
Audi BKK |
95.93 |
34.20 |
130.13 |
|
Techniker Krankenkasse (TK) |
97.64 |
34.20 |
131.84 |
|
HEK- Hanseatische Krankenkasse |
98.50 |
34.20 |
132.70 |
|
R+V Betriebskrankenkasse |
99.35 |
34.20 |
133.55 |
Want to Apply for German Health Insurance?
This was all about the health insurance for students in Germany. Here, you read about the two types of health insurance available, which are PKV and GKV. Apart from that, steps to enroll for the insurance are also mentioned above, which will help you avoid any mistakes in applying. And talking about the application process, it is also discussed above with the list of required documents. Also, the top insurance companies for Indian students are listed above to assist you in the same. If you still face any issues, reach out to our study abroad consultants and take their guidance in the process. So, call us today and complete all your eligibility steps step by step to study in Germany seamlessly.
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Ans. International student health insurance is a type of health coverage specifically designed for students studying outside their home country. It provides access to medical care while they are abroad, often required by their educational institution or visa regulations.
Ans. You'll need to choose a reputable insurer and complete an application, which can often be done online. Once approved and you've paid your premium, you'll receive a health insurance certificate. Finally, after arriving in Germany and finalizing your registration with your insurer, you'll get your health insurance card for use at doctor's visits and other medical services.
Ans. When determining the "best" health insurance in Germany for you as an international student, it's essential to consider your individual situation and needs. Consider the factors such as family involvement, coverage, and cost.
Ans. In Germany, health insurance costs vary significantly based on whether you choose public (statutory) or private insurance, and your individual circumstances. Private insurance costs can range from €200 to over €500 per month, and potentially even higher for comprehensive plans. In GKV, the percentage of your gross monthly income is specifically 14.6% in 2024. This is split equally between the employee and the employer.
Ans. Healthcare in Germany is not completely free, but it is highly subsidized and affordable for most residents.
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