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If you are younger than 30, you can insure yourself with a '''statutory German health insurance provider''' for approximately 115 € per month. Thus, you will have the same conditions as German students, i.e. treatment costs will be handled directly by the doctor and the health insurance company after you present the chip card you have received. | If you are younger than 30, you can insure yourself with a '''statutory German health insurance provider''' for approximately 115 € per month. Thus, you will have the same conditions as German students, i.e. treatment costs will be handled directly by the doctor and the health insurance company after you present the chip card you have received. | ||
Anyone who has health insurance from a statutory health insurer has sufficient health insurance coverage in any case. Be aware that not all costs are covered up to 100% by the Public State Insurance companies. E.g. you have to pay a share of 10€ per day if you need to stay in a hospital. | |||
After registering, your insurance | 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. | ||
After registering, your insurance provider will send your insurance ID card by regular mail. It may take a few days to reach you. Before you receive the card, you can get a registration certificate from the insurance provider 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. | 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. | ||
== Private Health Insurance Companies == | == Private Health Insurance Companies == |
Most important: Do I need health insurance cover as a TH student?
The answer ist yes! Sufficient health insurance cover is a prerequisite for university enrollment and application of a residence permit (for Non-EU-students).
What must be covered by the policy?
Sufficient health insurance coverage must include the following services:
What is the difference between public and private health insurance?
If you are younger than 30, you can insure yourself with a statutory German health insurance provider for approximately 115 € per month. Thus, you will have the same conditions as German students, i.e. treatment costs will be handled directly by the doctor and the health insurance company after you present the chip card you have received.
Anyone who has health insurance from a statutory health insurer has sufficient health insurance coverage in any case. Be aware that not all costs are covered up to 100% by the Public State Insurance companies. E.g. you have to pay a share of 10€ per day if you need to stay in a hospital.
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.
After registering, your insurance provider will send your insurance ID card by regular mail. It may take a few days to reach you. Before you receive the card, you can get a registration certificate from the insurance provider 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.
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:
Technische Hochschule
European Union
European Health Insurance Card