HEALTH INSURANCE IN GERMANY
If you plan to study in Germany, one of the things you will need is a health insurance because without proof of a health insurance you cannot enroll in a German university. German law differentiates between the following groups:
Students from other EU countries who are already insured in their country of origin do not have to insure themselves in Germany. With the European Health Insurance Card (EHIC) they can directly go to a doctor and use their insurance card there.
Students from all other countries have to get insurance in Germany, even if they already have a health insurance in their country of origin. The insurance coverage mostly lasts to the end of a semester, contributions are to be paid for the entire semester, even if you leave Germany beforehand or drop out of university.
Those students from other countries, who are below 30 years of age or have not finished the 14th subject-related semester yet may choose between a private or a compulsory health insurance. If you want to become a member of a private health insurance you need a confirmation of exoneration from compulsory coverage. This exoneration is irreversible during your study visit in Germany. You have to apply for this during the first three months after the start of your studies.
Those students from other countries who are older than 30 years of age or have finished the 14th subject-related semester can only get insurance from a private health insurance company
WHAT TO CONSIDER WHEN VISITING A DOCTOR.
WHERE TO BUY PHARMACEUTICALS AND HOW TO PAY FOR THEM.
HERE IS SOME HEALTH INSURANCE WHICH YOU SHOULD CHOOSE:
DAK-Gesundheit is one of Germany’s most innovative and advanced health care providers. We serve more than 6.6 million members and are the third largest health care insurance in Germany. According to a recent study by the consumer magazine “Focus Money”, university students choosing DAK-Gesundheit can expect the best policy conditions, attractive rates and premium refunds. You can find us in one of our conveniently located 850 service centers.
Allgemeinen Orts Krankenkassen, the most widespread Organisation with 15 regional branches having altogether nearly 24 million members. AOK has a special service for students. You can find accessible office locations, directly on-site in many universities and college towns. The AOK Studenten-Service gives you competent, detailed advice when you need it. As Germany’s largest health insurance organisation the AOK has also the administrative and financial strength to provide excellent medical care at moderate rates.
BARMER is Germany’s one of the leading health insurance fund. Our dedicated and qualified staff at over 1,000 branches around the country is always happy to help with any questions concerning your health. Personal contact, competent advice and innovative schemes for our members – that’s what we work hard to achieve: with services spanning our health hotline and health magazine, our 24-hour online branch and attractive additional insurance options.
With TK you can be sure of excellent medical care and in addition receive great services. TK is well placed financially. And this pays off for the members: With the TK dividend you can receive 80 Euro refund for 2014.
Private Health insurance
You should find more details about Private health insurance below:
Travelling Health Insurance
When you got your visa and going for stamping for your visa you need travelling health insurance valid till you will be in Germany.
So you have to take travelling health insurance before you fly to Germany. There are so many health insurance company provide travelling health insurance but some of them is only valid in German embassy. So you have to be careful to select your travelling health insurance.
Here is list of health insurance which is valid in German embassy.
You have to select one of above health insurance policy. Mackwins Education will help you to select best of them for you. For more details about travelling health insurance please contact our branch office.