Are you heading for Germany to study?
Some details:
– Every international student attending a university in Germany must have a German health insurance besides a German visa and other requirements.
– You cannot enroll at a university without a German health insurance.
– Statutory health insurance begins from the day of enrollment at your university. If you arrive earlier in Germany you should have a travel insurance.
– Basic benefits of the insurance are determined by German law and therefore are identical.
Monthly premiums for a statutory health insurance, depending on the insurer are:
under 23 years over 23 years
If you are older than 30 or have studied more than 14 academic semesters wherever, statutory health insurance premium will be substantially higher (almost double).
Your best choice would be a private health insurance like UKV, Hanse Merkur or AXA:
UKV
Student or not, the tariff LER 301 is an ideal travel companion for everyone, as it provides comprehensive insurance protection. Monthly rates are moderate and depending on the age:
20 – 40 years € 122,71/month
41 – 60 years € 204,51/month
Hanse Merkur
Hanse Merkur is a typical travel health insurance with some restrictions compared to the full coverage of the statutory health insurance, it offers for people under 35 years
Young Travel Health Insurance for language school students, interns, Au-Pairs, PhDs and participants in travel or work programmes.
They offer Basic and Premium Rates:
During the first year the daily rate is Basic 1,19 €/day
Premium 1,75 €/day
During the next 4 years the daily rate is Basic 1,65 €/day
Premium 2,15 €/day
For all others up to 65 years of age Hanse Merkur offers
Travel insurance Foreign Guests Rates are starting at 1,70 €/day
AXA
AXA is a private insurance with benefits comparable to the statuary health insurance. It is more expensive then the travel insurances, but you have a higher coverage. It is recommended for Freelancers having a better income.
Monthly premium ranges from 300 €, to 400 €, depending on your age.
Information given in this paper are based on feed back provided by the insurance companies. Deutsche Insurance tries to keep all data updated but is not able to guarantee for any of the given rates and benefits. There are regularly modifications.
Monatliche Prämien fuer die gesetzliche Krankenversicherung:
| unter 23 Jahre | über 23 Jahre | |
|---|---|---|
| AOK Bayern | €120,59 | €123,43 |
| AOK Rheinland | €122,38 | €125,22 |
| Barmer-GEK | €119,94 | €122,78 |
| DAK | €121,56 | €124,40 |
| Novitas-BKK | €120,26 | €123,20 |
| Siemens BKK | €118,32 | €121,16 |
| TK | €117,50 | €120,34 |
Falls Du älter als 30 bist, steigt Deine Versicherungsprämie etwa auf das Doppelte.
Als Auswahl stehen private Versicherer zur Auswahl: UKV, Hanse Merkur oder AXA
UKV
Für Studenten und andere ist Tarif LER 301 der ideale Reisebegleiter. Er bietet einen umfangreichen Schutz. Die Monatsraten:
20 – 40 Jahre € 122,71
41 – 60 Jahre € 204,51
Hanse Merkur
Hanse Merkur is a typical travel health insurance with some restrictions as compared to full coverage of statutory health insurance, apt for persons under 35 years
Young Travel Health Insurance for language school students, interns, Au-Pairs, PhDs and participants in travel or work programs.
They offer Basic and Premium Rates:
During the first year daily rate: Basic 1,19 €/day
Premium 1,75 €/day
During the next 4 years daily rate: Basic 1,65 €/day
Premium 2,15 €/day
For all others up to 65 years Hanse Merkur offers
Travel Insurance Foreign Guests Rates from 1,70 €/day
AXA
AXA is a private insurer with benefits comparable to the statuary health insurance. It´s more expensive than travel insurance, but offering better coverage. It is recommended to Freelancers enjoying a higher income.
Monthly premium € 300 to 400, depending on age.
Information given is based on input provided by insurance companies. We try to keep all details updated but cannot guarantee for any of the given rates and benefits. There are regular changes which may lead to mistakes.