What if I suddenly get sick in Germany while in a short visit? In this case it is a supplementary insurance, which covers individually selected risks that are not or only partly covered by the statutory health insurance such as the costs for dental prostheses or for alternative medical treatments (homeopathy). After 15 months of residing in Germany, refugees can get this insurance card. In general, insurances can be sub-divided into two large types: the personal insurances on the hand and the property insurances on the other hand. 50% of the insurance contributions are paid for private old-age provisions. Marriage and children, loss of job, taking up self-employment or the beginning of retirement can entirely change your life situation. Each country has an official website for everyone willing to apply for an EHIC card. How much is public health insurance for international students in Germany? Foreign students in Germany are required to have health insurance during their studies, by German law. The figures are per-capita expenditure, i.e. In the following we will clarify for which insurances/ provisions the money is spent and which insurance policies are common in Germany. If you are in a hurry, use this online checker to see if you meet the conditions: In our guide below, we’ve covered everything you need to know about choosing the right plan for the nature of your stay and your condition. All salaried workers in Germany, whose gross monthly income is less than 5,213 EUR (5,800 USD) and whose annual income is less than 62,550 EUR (69,600 USD) as of 2020, must have public health insurance, also known as gesetzliche krankenversicherung (or GKV). The insurance on household contents protects the belongings from material damages and the related costs. This wide range of policies which is rather confusing for non-professionals bears the risk of over-insurance. Health insurance is mandatory for every citizen and resident in Germany, regardless of their income. In a way, the fact that health insurance in Germany is mandatory by law confounds international students about the time when they must seek health insurance. Public health insurance contributions for ⦠You must have health insurance. 8. All you need to do is to show your membership chip card and your provider will take care of everything. For students under 30 years of age it is mandatory to apply for statutory health insurance. If you’re an employee-to-be in Germany then it is expected that your employer will take care of all the paperwork at least two weeks before you start your job. The introduction of this law was done after a medical reform in 2007. Any single moment beyond this time limit will lead to a penalty for you. To a certain degree the refugees will get the same benefits as German residents, however, there will still be limitations. The German law requires you to have insurance, and you can pick a private plan depending on your needs. The healthcare insurance services in Germany are carried by insurance providers. Health insurance for international students costs from €103.94 – €111.75 per month with a public health insurance provider, and it covers basic healthcare as well as long-term care insurance. If the international office of the university you’re planning to study in has instructed you to come to Germany to first take a prep course such as the Studienkolleg, they probably mentioned you need to have health insurance in addition to the rest of the required application documents. Copyright © 2021 Germany Visa. Many fear that they cannot apply for a university place without being health insured in the first place. It is estimated that more than 87% of the population in Germany have their health insurance covered. Another cheaper health insurance package may not cover all your medical costs and surely this is not what you prefer. It is mandatory to have health insurance in Germany. A comprehensive health insurance plan increases your chances of getting your student visa. 7. To solve this problem, the German government (Die Bundestag) initiated a medical reform under which everyone would be paying for their insurance. Years later, after the E111 was replaced in 2005, the European countries increased their commitment to widening the participation. From the very first day in the migrants’ camp, everyone is obligated to undergo regular checkups to see if their health is at acceptable limits. There are two types of health insurance in Germany: All students are required to have an insurance plan in Germany, but depending on where you come from, you might be eligible to use the plan you already have in your home country. Cross-Border Care, Travel Insurance and Evacuation Benefits 8. 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