You are coming to Germany to study and need health insurance? This post will help you find the right health insurance coverage to suit your needs!
Best health insurance for students in Germany
There are two types of health insurance for Students in Germany
In Germany, there are many health insurance providers… but they all exist within two categories: Private health insurance providers & public health insurance providers. I will give a little overview of the two types of health insurance and the best provider within each category.
Public health insurance
90% Germans have health insurance through the public health insurance systems. To be part of the public health insurance system in Germany, generally someone must be employed or retired in order to be part of the public health insurance system… there are a few exceptions and on of the biggest is for university students up until 30 years of age!
Students up until 30 years of age are able to pay a flate monthly fee of €110,69 per month through Techniker Health Insurance to be part of the public health insurance system. This is an epic deal for students as most people in Germany need to pay 7,5% of their monthly salary to be part of the public health insurance system.
Public health insurance in Germany offer excellent coverage and will cover pretty much most pre-existing medical conditions. Be aware that you will need to purchase and additional travel health insurance plan when you leave the E.U for traveling or visiting home. Techniker offers are very affordable travel health insurance for under €25 euro per year.
Techniker Health insurance is one of the largest health insurance providers in Germany and even offers English customer support! The easiest way to sign up for Techniker is via a site called German-Student-Insurance.com. This site is run by Dr. Walter Health Insurance but offers a seamless and reliable way to enroll in Technicker. Public health insurance coverage is only possible while you are studying… but if you arrive in germany a month or two early, you will need addition insurance coverage! Dr. Walter Insurance has teamed up with Techniker to make sure you will always have health insurance even if you come early to Germany!
Why choose Techniker + Dr. Walter Health Insurance:
- 90% of Germans have public health insurance, it is great!
- No Co-pay fee
- The Techniker+Dr. Walter Insurance plan makes life super easy.
Private Health Insurance:
If you are over 30 years of age or desire a more extensive health insurance coverage? Opting for a private Health insurance plan is the right move for you. Starting at €89 per month, you can have a full private health insurance plan through Dr. Walter. They even reimburse you for glasses… the public health insurance companies do NOT do this. Not too bad of a deal. Check out everything Dr. Walter Provisit Student covers HERE.
€69 per month if you are under 30 years of age and €89 if you are above 30 years old is a cheap but solid deal for anyone needing health insurance while studying in Germany. If you want even better health insurance coverage than what Dr. Walter: Provisit Student Insurance covers… Check out Ottonova as a more expensive but more comprehensive private health insurance option.
Why choose of Dr Walter: Provisit Student Insurance:
- Apply online & before you arrive in Germany
- Better coverage than Public health insurance policies
- Includes up to 4 weeks travel insurance for trips outside of Germany
Best Private Insurance for students: Dr. Walter: Provisit Student
What is the best Health insurance for students in Germany?
- Best Private Health Insurance for Students: Dr. Walter: Provisit Student
- Best Public health insurance for students: Techniker
