It is a matter of contemplation that health insurance in Germany is an imperative requirement for all German citizens (including international students, tourists, and ex-pats) to ensure health security. But you ought to have a modus operandi to attain it that you will be reading in the following post.
Health Insurance in Germany
Under German law, everyone who is a resident from any International country or legal citizen in the country must have health insurance in Germany. One can choose either public health insurance (Gesetzliche Krankenversicherung) and private health insurance (Private Krankenversicherung). Germany’s healthcare system is recognized as one of the best in the world that ensures its citizens with an affirmative public health insurance scheme that is of the highest quality irrespective of income or status.
Read More: Students Health Insurance In Germany
What does German Health Insurance cover?
The health insurance policy in Germany will cover doctor’s visits, medical and dental check-ups and treatment, surgeries, prescriptions of medication along with €10 per quarter for a doctor visit, first €10 of most prescription medication, €10 per day for hospital stays, for a maximum of 28 days per year, and full price for prescription vision aids, such as glasses or contacts.
Difference Between Private and Public Health Insurance in Germany
German Public Health Insurance:
- The amount you must pay each month is determined on your income and might range from 14.6 percent to 15.6 percent of your monthly wage. The prices do not rise as you get older.
- Everyone has equal access to healthcare, regardless of monthly contributions or income.
- All state hospitals, as well as the majority of private hospitals, provide medical care.
- While you visit the doctors, you only have to pay €10 per quarter for doctor’s visits. If you do not visit the doctor that quarter-year, you don’t pay this.
German Private Health Insurance:
- The cost for German Private Health Insurance depends on your age, the coverage you want as well as if you have any pre-existing conditions.
- You have the option of including your dependents in your health insurance plan. There is a charge for each additional family member you wish to include.
- You must decide on the type of health insurance policy and the amount of coverage you require. The cost of a health insurance plan with a greater policy limit (and consequently more coverage) is higher.
- The prices for private health insurance are deductible depending on the insurance plan you wish to undergo.
How To Get Health Insurance in Germany?
If you are an international student who aspires to study in Germany for any given duration, then you are obliged by German law to get student health insurance in Germany depending on your age and study program tenure in the country. For instance, if you are under the age of 30 who is pursuing any program for a Bachelor’s, Master’s, or P.hD., then you are eligible for public health insurance. However, students who are 30 or over the age of 30 are applicable for private health insurance.
Public Health Insurance contributions for 2020/21 are as follows:
- TK Techniker Krankenkasse – 105,80 €
- AOK Baden Württemberg – 107,29 €
- Barmer – 108,77 €
- DAK Gesundheit – 111,75 €
- KKH Kaufmännische Krankenkasse – 111,75 €
What are the two types of health insurance for German students?
International students in Germany need two types of health insurance:
- Student travel health insurance: This is a short-term insurance plan for students that will cover pre-semester from the time you depart from your country. While applying for a visa and residence permit, the embassy will ask for travel health insurance that conforms to the Schengen requisites.
- Student health insurance: This is long-term health insurance that covers aspirants throughout the duration of their program until they return home. This is required to enroll in any of the universities you aspire to study.