As a compulsorily insured student, you pay a standard contribution (applies throughout Germany) based on the maintenance need (requirement rate) defined by the BAföG [German Federal Education and Training Assistance Act] - regardless of whether or not you receive BAföG assistance yourself.

As a student in Germany, you will need to take out health insurance or provide proof of valid health cover if you do not come from an EU or EEA country, Switzerland, the UK or a country with a social security agreement with Germany. Without proof of valid health insurance cover, you cannot enrol at your university in Germany. TK offers award-winning health insurance for students. Join the TK team today!

If you are completing a dual course of study, you are subject to compulsory insurance as an employee. This means you also have to pay social security contributions. Your employer pays the contributions for you together with its share.

If you start your PhD before completing your Master's or Diplom degree programme or the state examination, you may be insured with us as student. If you do not start your PhD until afterwards, then you may not be insured as a student. You will then need to be voluntarily insured.

At the end of your studies, you will no longer have health insurance cover as a student.

Use the online process below to be exempted from compuslory health insurance. You need to complete this process within three months from the start of compulsory insurance. You also have to prove that you are covered by another type of health insurance.

You remain covered by your insurance in your home country if you are from an EU member state or another country with a social security agreement.

The quickest and easiest way to get confirmation of health cover to enrol at university is with the TK-App.