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Our guide to health insurance for students Starting your studies is an exciting and also challenging time. To help you find your way, we have compiled all the information you need to know on health insurance as a student. From our benefits and digital services to your FAQs.
Frequently asked questions
The quickest and easiest way to get confirmation of health cover to enrol at university is with the TK-App. This confirmation is then forwarded automatically to the university. If necessary, you can also have a confirmation sent to you for your records.
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The TK eHealth card acts as proof of your insurance cover when you visit a doctor. With this card you can use medical services in Germany and abroad. All you have to do is present the handy chip card when you receive medical treatment from doctors, in hospitals or by approved therapists - it couldn’t be simpler!
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Are you looking for a doctor, dentist or psychologist? Take advantage of the TK-DoctorGuide to find an expert for your health issues quickly and easily.
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Please let us know of changes to your name, address or telephone number.
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Costs, cover and getting started in Germany
Cost of health insurance as a European student
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.
Cost of health insurance as an overseas student
As a student in Germany, you will need to take out health insurance or provide proof of valid health cover.
Our healthcare cover
We not only cover your healthcare costs, but also provide you with many additional services and products.
Checklist for starting your studies in Germany
We have put together this checklist of the most important information you need when preparing to study in Germany.
Become a member
Fill in the easy online application and become a member of TK, named Germany’s best health insurance fund by Focus Money business magazine (07/2025 issue).English-speaking assistants available 24/7English-language TK-App for you to handle your insurance onlineHealth care throughout EuropeGreat value for money and top coverSpecial services tailored to students
Join TK today
Support every step of the way
Health insurance while studying
Navigating health insurance while studying abroad can be tricky, but we’ve got your back! As your trusted health partner, we’re here to guide you every step of the way.
How does the German health insurance system work?
The German social insurance system offers comprehensive protection. It helps you in the event of situations such as unemployment, accident, or illness.
The TK-StudyGuide: helping you get the most out of your studies!
Feeling overwhelmed with juggling lectures, part-time jobs, and your social life? We get it! That's why we have developed the TK-StudyGuide.
Info Session "Well prepared for your studies in Germany"
Find out more about health insurance regulations , enrollment and the health care system in Germany. Register for the next event now !
Our digital services designed to make health insurance easy TK provides a wide range of English-language digital services and apps to ensure that you get the most out of your health insurance. From programmes to help you get and stay fit to apps to get medical care, discover what TK has to offer today.
TK-App - health cover simplified
Manage your health insurance digitally, anytime and anywhere, with the TK-App. Download the TK-App today!
TK-Fit - get in shape, stay in shape
With exciting challenges and great bonuses, TK-Fit in the TK-App helps you to be more active in your day-to-day life. Join the team.
TK-Doc - medical support 24/7
With the TK-Doc app you can get expert medical advice about your problem from a doctor from the comfort of your own home.
TK-Coach - your personal trainer
Discover personalised fitness, diet, and relaxation plans designed just for you. Download the app today and boost your wellbeing.
Healthy through your studies
We care for your health and offer reliable insights and practical advice on fitness, healthy eating and how to manage stress.

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