Health Insurance for Students
Students must have health insurance from the day they enter Germany
Those who wish to study at a German university must provide proof of German health insurance. Without health insurance, enrollment is not possible. Students must insure themselves with statutory health insurance. Getting health insurance is easy: Choose a statutory health insurance fund and apply before starting your studies. Exceptions apply to students from the EU.
The statutory health insurance funds in Germany are public institutions. The level of benefits is prescribed by law and covers all medically necessary services. Contributions for students differ slightly between statutory health insurance funds and are shown at the bottom of this page.
After registering with a health insurance company, it takes a few days for the registration confirmation to arrive. However, most health insurance companies only send such confirmations by mail within Germany. An exception is Techniker Krankenkasse, which offers a provisional certificate of membership for online download.
Don’t forget: There are many more good statutory health insurance funds that you can choose from. But you must choose one. Our comparison pages should help with this. There is also a list at the bottom of this page.
How do I join
Before entering Germany, you should choose a statutory health insurance fund and apply for membership. The statutory health insurance fund you select must accept you if you are under 30 years old and have an enrollment confirmation from a German university. You will find the forms for the statutory health insurance funds in Germany below.
If you are arriving in Germany before the first day of the semester – usually October 1 and April 1 of each year – you must take out guest insurance for the period between your arrival and the start of the semester. Guest insurance is not expensive and saves trouble when entering the country.
You can submit your membership application quickly and securely online here. Just click on the button "Join now". The joining process is quick. Krankenkassen.de offers this service for students in cooperation with many health insurance funds. We attach great importance to fast processing and the increased data protection requirements of the Social Security Code.
CHEAPEST STATUTORY HEALTH INSURANCE FUNDS FOR STUDENTS (AVAILABLE NATIONWIDE)
|Health Insurance||Health insurance contribution||Nursing care insurance contribution||Total contribution||Membership application|
|BKK firmus||90,29 €||32,48 €||122,77 €||Join»|
|BKK GILDEMEISTER SEIDENSTICKER||90,29 €||32,48 €||122,77 €||Join»|
|hkk Krankenkasse||90,94 €||32,48 €||123,42 €||Join»|
|IKK gesund plus||91,92 €||32,48 €||124,40 €||Join»|
|Techniker Krankenkasse (TK)||92,73 €||32,48 €||125,21 €||Join»|
|Audi BKK||93,14 €||32,48 €||125,62 €||Join»|
|Heimat Krankenkasse||93,54 €||32,48 €||126,02 €||Join»|
|HEK - Hanseatische Krankenkasse||93,54 €||32,48 €||126,02 €||Join»|
|BKK VerbundPlus||93,95 €||32,48 €||126,43 €||Join»|
|Continentale BKK||94,35 €||32,48 €||126,83 €||Join»|
|R+V Betriebskrankenkasse||94,35 €||32,48 €||126,83 €||Join»|
|vivida bkk||94,35 €||32,48 €||126,83 €||Join»|
|BIG direkt gesund||94,76 €||32,48 €||127,24 €||Join»|
|BKK ProVita||95,09 €||32,48 €||127,57 €||Join»|
|Mobil Krankenkasse||95,09 €||32,48 €||127,57 €||Join»|
|BARMER||95,17 €||32,48 €||127,65 €||Join»|
|BKK Linde||95,17 €||32,48 €||127,65 €|
|KKH Kaufmännische Krankenkasse||95,17 €||32,48 €||127,65 €||Join»|
|SBK||95,17 €||32,48 €||127,65 €||Join»|
|TUI BKK||95,17 €||32,48 €||127,65 €|