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!
More details
Ideally you should get in contact with us before travelling to Germany and we will help you arrange health insurance for your university enrolment. But don’t worry, we will also be able to help you after your arrival. We recommend that you watch this short video for an overview of how the German health insurance system works.
Health insurance for students in Germany
What do you have to pay and how?
As a compulsorily insured student, you pay a standard contribution. The amount you pay depends on whether and how many children you have. Further details on the contribution rate for student health insurance .
There are two ways you can pay your contributions:
- To pay each month, complete the SEPA direct debit mandate (PDF, 728 kB) . Please note that you need a European bank account number (IBAN) from your bank to use this service. Please make sure you have enough money in your account each month to cover your contributions.
- If you do not have a bank account with an IBAN, you have to pay for the entire semester in advance.
Exemptions:
If you have private health insurance, we need to check that it provides the same level of care as German statutory health insurance. If this is the case, you may be exempted from health insurance as a student. Use the online process below to apply for an exemption:
Online-Service: Confirmation of insurance for enrolment at universityPlease remember to state your address in Germany and not in your home country when filling in the form. We will then send notification of your insurance cover to your university.