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Planning to Study in Germany? Here’s What You Need to Know About Health Insurance

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June 27, 2025

Planning to Study in Germany? Here’s What You Need to Know About Health Insurance

If you’re planning to study in Germany, there’s one essential requirement you can’t afford to overlook: health insurance. Whether you’re enrolling at a public university, applying for your student visa, or just preparing to live legally in Germany—health insurance is mandatory.

In this guide, we’ll break down the two main types of health insurance in Germany—Public (GKV) and Private (PKV)—so you can choose what’s right for you and stay compliant in 2025.

Planning to Study in Germany? Here’s What You Need to Know About Health Insurance

Why Is Health Insurance Important?

Before we get into the details, here’s why health insurance is non-negotiable:

  •  Required for your student visa

     

  •  Needed for university enrollment

     

  •  Essential for residence registration and legal stay

     

Without it, you can’t begin your studies or legally live in Germany.

Public vs Private Health Insurance: What’s the Difference?

Germany offers two main types of health insurance for international students:

1. Public Health Insurance (GKV)

Ideal for:

  • Students under the age of 30

     

  • Students enrolled in degree programs at public universities

     

Top Providers: TK (Techniker Krankenkasse), AOK, Barmer

Coverage Includes:

  • Doctor visits

     

  • Hospital care

     

  • Prescription medications

     

  • Emergency services

     

  • Basic dental treatment

     

2025 Estimated Monthly Cost:

  • Around €125–€130/month for students

     

How to Apply:

  • Directly through the insurer’s website

     

  • Many offer English-language support for international students

     

2. Private Health Insurance (PKV)

Ideal for:

  • Language course students

     

  • Students over the age of 30

     

  • Non-degree program students

     

  • Those seeking more flexible or cheaper short-term coverage

     

Coverage Varies:

  • Often lower monthly premiums

     

  • May not cover as many services or have high upfront costs

     

2025 Estimated Monthly Cost:

  • Starting from €30–€70/month, depending on age and provider

     

How to Apply:

  • Through specialized agencies or direct insurers (e.g., DR-WALTER, Mawista)

     

Be sure to confirm visa and university acceptance

What Happens If You’re Not Insured?

If you enter Germany without health insurance:

  •  Your student visa can be denied
  •  University enrollment will not proceed
  •  You may face legal issues staying in the country
  •  Uninsured medical emergencies can cost thousands of euros

 

Pro Tips for International Students:

  •  Apply early – Some universities won’t finalize enrollment until your insurance is confirmed.
  • Choose wisely – Once you register for public insurance, switching to private is difficult.
  •  Ask for student tariffs – Many insurers offer discounted rates for students.
  • Keep your documents – You’ll need proof of insurance for both visa and residence permits.

Conclusion

At Safeland International, we understand that health insurance is more than a requirement—it’s the foundation of your life as a student in Germany. Our expert team is here to guide you through every step, from choosing the right insurance plan to securing your visa and university admission.

  •  Trusted by thousands of students
  •  Personalized guidance for GKV & PKV options
  •  100% support for visa and enrollment processes

Make your German education journey smooth and stress-free—choose Safeland International.
Got questions? We’re just a call or message away!

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“Welcome to Safeland International – Best German study abroad consultancy,  your dedicated partner for turning academic dreams into reality in Germany! At Safeland, we’re driven by the belief that education transcends borders. Our passion lies in guiding ambitious students, like yourself, on the enriching journey to secure admissions in prestigious German public universities. Safeland International is the top German Language Institute in Kerala, empowering you to achieve fluency and success in Germany.”

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  • 7736071999, 73568 71999
  • info@safelandinternational.com
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