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Do I need health insurance cover as a TH student?
Sufficient health insurance cover is a prerequisite for university enrollment and application of a residence permit (for Non-EU-students).
Sufficient health insurance coverage must include the following services:
What is the difference between private and public health insurance?
If you are under 30 years of age, you can insure yourself with a statutory German Health Insurance provider for around 115 Euros per month. This means that you have the same conditions as German students, i.e. after presenting the chip card you have received, the treatment costs will be settled directly between the physician and health insurance provider. Please bear in mind that such an insurance is only valid from the start of the semester (September 1st or March 1st). Therefore you have to take care of your insurance cover before the start of the semester, for instance via a travel medical insurance. Two of the possible public organizations are “Allgemeine Ortskrankenkasse (AOK)” and “Techniker Krankenkasse (TK)”. All public insurance organizations offer reliable and good services. AOK has an office close to the campus: Paul-Ehrlich-Straße 1-3 (Medical Health Center, Medizinisches Gesundheitszentrum), 2nd floor. After registering, your insurance organization will send your insurance ID card by post. It may take a few days to reach you. Before you receive the card, you can get a registration certificate from the insurance organization to prove your membership. Since it takes a few days to issue the ID card, please ask for confirmation of health insurance since you need a proof of health insurance for registration at the university and for application for the residence permit. Anyone who has health insurance from a statutory health insurer has sufficient health insurance coverage in any case (Sec. 2 (3) sent. 3 Residence Ordinance). Be aware that not all costs are covered up to 100% by the Public State Insurance companies (e.g. 10 € per day for hospital treatment).
All those above 30 years of age cannot be insured through statutory insurance companies. They must therefore join a private health insurance. Please be prepared that this means that the treatment and subsequent costs must initially be paid by the patient first and the relevant receipt presented to the health insurance provider for reimbursement. Private health insurance companies offer different contracts. Since the cheapest contract (approx. 50 Euros) does not cover all medical services, only basic service and emergency coverage, its advisable to subscribe to an “all-inclusive contract” with the very best service (costs at least 150 Euros/month).
What shall I do if I feel sick?
Further information:
Public health insurance plans from the following countries are also valid in Germany: Member states of the European Union, Bosnia-Herzegovina, Iceland, Israel, Liechtenstein, Morocco, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia and Turkey. Germany has signed social security agreements with these countries. With your European Health Insurance Card (EHIC), any medical treatment you require in Germany is covered. Private domestic and foreign health insurance policies from other countries may also be recognised in Germany. You should inquire about the details with your health insurance provider before leaving home. If your (public or private) health insurance policy from your home country is recognised, then you will need confirmation that you are exempted from public health insurance coverage when you enroll.
For your registration at the health insurance company you need:
Medium: Video mit PPP
Technische Hochschule
European Union
European Health Insurance Card