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Your membership at each of them lasts for 18 months. How do I apply for a health insurance? After you receive the admission letter, the university is supposed to give you the necessary information around relevant issues relating to your staying in Germany as an international student. This includes refugees seeking asylum in Germany, regardless of their citizenship status. According to the most up-to-date statistics, over 40% of EU population have their EHIC card. Simply get to your health insurance provider in the country you reside and ask if your EHIC card covers in the country where youre about to go or seek an S1 form to register for a local health insurance company in the country youre visiting. What does that mean for you? Students who reach the age of 30 while studying in Germany and who are not insured for at least 12 months in the student tariff can not switch to the statutory health insurance for students. This cookie prevents the banner with important news from being displayed whenever you visit this website. Being insured under the GKV scheme youd expect to have basic medical assistance if youre caught by surprise by an illness in some particular countries, but thats all. Public or private health insurance in Germany covers the following services for students: Treatment in a hospital Doctor's appointments The use of prescription drugs Wheelchairs, hearing aids, or further assistance Cancer screening Dental check-ups Dental procedures like dentures and crowns Enrolled students are virtually always compulsorily insured (German Social . It offers equivalent insurance coverage as the German state insurance at an affordable price. Incoming Insurance, free for up to 92 days & accepted worldwide. German Health Insurance The risks of life change with advancing age, e.g. Swisscare international student health insurance Germany plan is mandatory and highly recommended. E104). This is a significant increase from the previous year, when Germany reported over 1.21 million refugees; and a drastic increase from 2015, when Germany reported just over 316,000 refugees. Ph.D. academic staff working at the university and needing to pay social security fees are automatically covered by the statutory policies. Health Insurance for Students in Germany: Comprehensive - Amber Health Insurance for Guest Scientists, Visiting - Germany Visa Make sure to take care of your health insurance status before you come to Germany. Holding this insurance card doesnt cover your medical treatment if you travel abroad for the purpose of giving birth in the destination country. The amount paid by the automobile liability insurance is stipulated in the policy item agreed sum insured. Health Insurance in Germany | Expatrio.com This is paid equally by your employer and by you; 7.3% each. Student health insurance Germany | Feather Otherwise, the monthly rate would have been automatically higher; as older persons are considered more risk-prone and possibly to become chronically ill. To enroll at a German university, you must first present the proof of current insurance plan in Germany or an international policy that is also accepted in Germany. How to choose German health insurance - All About Berlin The costs exceeding this maximum amount have to be paid by the patient. In terms of tariff and insurance provider there are a number of other factors to check. These days you can compare private insurance plans and get one customized for you online. Provisit Science is recognized by all German universities, research institutions, and immigration . This includes any private treatment you were not able to pursue in your homeland, any advanced dental care and so on. Depending on the policy, the legal protection insurance may additionally cover professional lawsuits and travel law disputes. How do I get a health insurance in Germany? Every driver of a motor vehicle is legally bound to take out an automobile liability insurance. Even if a medical treatment abroad is more expensive than in Germany, the insurance will bear the costs up to a stipulated maximum amount (fixed allowance). The person who is responsible for the accident. The card came as a replacement for the E111 certificate which basically had a similar intention as the EHIC. Your AOK student advisor will personally discuss with you the best option for your particular situation: Just call 0049 9131 9242 10 128 *. The refugee numbers have increased in 2022, with hundreds of thousands of Ukrainian refugees arriving in Germany since the war started in Ukraine. However, you can still switch off your membership before this deadline by sending a notice to the health insurance provider you have chosen in Germany. A fire breaking out in a building can destroy everything within seconds. Your health insurance monthly premium will cover you and your non-earning dependents like your spouse or your children. As a student, you might feel like insurance is unnecessary since you already spend so much on your education. Health insurance in Germany Just enter a few details and you will get your tailor-made and officially approved health insurance for your studies in Germany! How long can I stay without being insured? From the very first day in the migrants camp, everyone is obligated to undergo regular checkups to see if their health is at acceptable limits. 7. The private legal protection insurance is applicable in case of legal disputes in the private area, including claims for damages, fine proceedings, criminal matters or social lawsuits. Great benefits, expert advice and customer service tailored to your needs and interest. This wide range of policies which is rather confusing for non-professionals bears the risk of over-insurance. The premium required for your GKV insurance in Germany is currently 14.6% of your annual gross salary. So, when residing in Germany the first priority of yours will have to be seeking your health insurance otherwise you know the consequences. Compass Student Health Insurance 3. Inpatient care (rehabilitation in a hospital). Further intervention can only be given if the medical team assess that there is an emergency to act. International Student Health Insurance Germany - Swisscare As a refugee, an individual can request regular medical checkups and basic medical assistance. During your studies You'll need to get German health insurance when you plan on taking on either a working student position or a mini-job. These include not only housing and meals, but often also arrangements for health insurance. First, every citizen is charged with the same basic rate premium for his/her health insurance which guarantees that everyone contributes same and consequently gets the equal medical treatment. What if I suddenly get sick in Germany while in a short visit? This includes both medical consultation and questions centred on DAK-Gesundheits offers. In terms of health facilities, both works similar. Digital or in-person support around the clock Digital for convenience A regular insurance check is therefore highly recommendable to ensure your financially and individually suitable insurance protection at all stages of life. How does student health insurance work? Millions of borrowers are feeling collective disappointment. A refugee is supposed to undergo regular medical check-ups to come up with a conclusion about his health situation. Germany Blocked Account International students must present proof that they have health insurance when they . Theres no one size fits all when it comes to health-related issues. The insurance policy covers not only the stolen objects, but additionally the damages caused by the burglars. Many fear that they cannot apply for a university place without being health insured in the first place. Example: In case of an accident caused by you, the other party involved in the accident is seriously injured and wheelchair-bound from now on. What does that mean for you? Student health insurance in Germany - 2022 - Travel, Tourism, and We are thus growing more than other health insurance funds. If youre going to study in Germany for a semester or a year, as an exchange student or with programs such as Erasmus, youre going to need a proper insurance plan. Student health insurance in Germany for internationals | Fintiba And surely breaking the law means youll be charged a fine. One of the extra benefits that the health insurance system in Germany is that your insurance can cover your relatives who at the moment when they need the medical assistance were visiting you. The majority of exchange students in Germany choose a private insurance plan customized for them because they are more comprehensive in terms of coverage. This includes health insurance providers, regulatory bodies, patient organizations, etc. German Education System 8. Stay up to date with the biggest stories of the day with ANC's 'Dateline Philippines' (15 July 2023) | ABS-CBN News Channel, Philippines At the moment when youll get the medicines, youll have to pay and then send the receipts to your health insurance company which is supposed to take care of reimbursement. This amount of money needed to be paid for your public insurance may change. The private third-party liability insurance covers damages which are due to careless action, thoughtless behavior or missing performance of duties. Do I have to pay for my childrens insurance? Also, youre free to ask their counselling services for still more specific procedures on how to seek health insurance as for the other needs you may have through the way. Also, note that countries health insurance policy, including here Germany, toward a foreign country change depending on the country. In other words: it pays all costs arising from the damage including clean-up, the damage at the building or accommodation away from home. 8 Steps to Study in Germany To a certain degree, the refugees will get the same benefits as German residents, however, there will still be limitations. Regular medical check-ups. For students who are already 30 years of age when they begin studying in Germany private health insurance may therefore be the better option. If the insurance plan does not cover the service or does not pay the entire bill, the student is responsible for the bill. First things first. But students in Germany are also assigned to another type of insurance, the long-term care insurance. For international students | AOK What if the refugee has an acute illness and needs urgent medical interventions? It is Germanys major social health insurance fund with more than 8.8 million insurees. The biggest and the foremost problem people have when taking their EHIC card is not precisely knowing what it covers. In general, if a refugee aims to enroll at a German university, they will be required to show these documents: Make sure you have completed your documents as required otherwise the admission committee of your university will deny your application. Experts recommend adapting the scope of insurance cover to the individual requirements. The KKH Kaufmnnische Krankenkasse is one of the largest national health insurance companies in Germany and one of the strongest institutions in statutory health insurance. Youre free to submit a university application without being health insurance ahead of your landing in Germany. You will need to present proof of health insurance when you enrol at university and apply for a residence permit. This chip-card allows the patient to go directly to the doctor without even visiting a social services department to take a medical certificate or ask for permission beforehand. 50% of the insurance contributions are paid for private old-age provisions. Many insurance policies depend on the degree of occupational disability: the higher this degree, the higher the amount paid out to the insured person. Choice of two deductibles ( 0 or 400) Min. False! 5. So, when youre somewhere outside Germany make sure your insurance will protect you. This applies only to students who are under 30 years of age and havent finished their 14th semester. Requirements After this period of time, youre free to choose if you want to continue or resign. They may give you a form to fill so they can remove you from their database. In 2013, EU countries initiated a joint health care system so the citizens of each other could get required medical treatment all covered by their health insurance in their homeland. What if I am an expat and I dont know German? Student Health Insurance Germany | Requirements and Guide Today, the German health insurance system is one of the most modern in terms of quality, effectivity, organization, and coverage. Common medical services refugees in Germany can seek: 15 months from the first day at the immigrants reception center, the refugee is eligible to seek statutory insurance in Germany. Individual purposes and third parties can be taken from the following list and excluded from my consent. Currently, the basic premium rate the public health insurance charges is 14.6% of your gross income. Does my insurance plan cover me when Im home on holidays? Since you have this freedom to choose all it takes to be entitled is to contact the company of your choice and see if their offers suit you. Healthcare for foreign students in Germany: private or public? If youre an international coming to Germany you need to register for the mandatory health insurance scheme within 30 days from the day you register at a residence address. Mon - Wed: 8 - 16.30. Best Public German Health Insurance: Techniker Krankenkasse (TK) 1. The ceiling amount of money set for this scheme change from time to time. Here is what you need to know about health insurance as a Ukrainian refugee in Germany: If you fall in this category, you are entitled to statutory health insurance in Germany. If youre a citizen of the above-mentioned countries and you hold the public health insurance in your country of residence then you eligible to pursue an EHIC insurance. The good thing about Ph.D. students is that their risk is not highly calculated as they are still young and in good health, therefore pay less for getting into private health insurance schemes. For this purpose, an anonymised, randomly generated ID is used. 2,000 people take out insurance with TK each day. With this being said, you must first understand how the system works and then take into consideration each detail before selecting the type of health insurance package and its provider. Provisit Science is a health insurance plan developed by the German company DR-WALTER. According to UNHCR statistics, by the middle of 2021 there were nearly 1.24 million refugees and 233,000 asylum seekers in Germany. Application process at TK completely in English High-tech medicine and contracts with specialists TK Europe Service: Treatment which can be settled using your insurance card Health classes Unfortunately, there are some scam websites that may pull out you to pay for such application so take care of them. If youre insured with a public health insurance provider then 10% must be paid with a maximum of 10 euros and a minimum of 5 euros per prescription. Outpatient care by a licensed medical practitioner (Kassenarzte), The difference between public health insurance and private health insurance in Germany, Medical care coverage is different for each insurance scheme, You pay different premiums for public and private health insurance, As a GKV insurer, you pay a nominal fee in hospital. Moreover, the third-party liability includes passive legal protection, i.e. This normally applies in specific circumstances, for example, in emergency cases, or you need a treatment because you get acute symptoms or youre an expectant other. As mentioned, not every German state offers health care insurance cards to refugees. For their physical and mental health, having a proper medical and psychological treatment is more than crucial. The GermanKrankenkassen-Zentraleoffers a summary of current test results (German language: Berufsunfhigkeitsversicherung im Test) about the occupational disability insurance, for instance. Around 24 million people are insured under the regional 11 AOKs close to a third of the German population. These refugees mostly come from areas of conflict like Syria, Iraq and Afghanistan and because of this a large number of them are either injured or have some kind of illness. My consent is voluntary and I can revoke it at any time with future effect in the cookie center. If youre an employee-to-be in Germany then it is expected that your employer will take care of all the paperwork at least two weeks before you start your job. You will be comprehensively covered by the student insurance of Techniker Krankenkasse (TK) during your studies. If occupational disability is determined, the occupational disability insurance pays the stipulated insurance sum, the so-called disability pension. While property insurances offer protection from destruction, damage or loss of the insured objects, personal insurances financially protect the insured person from particular risks of life. German Health Insurance for International Students When you get your health insurance plan you basically sign a contract with the Krankenkassen company and as any other contracts, it has its own conditions and terms. Persons subject to the statutory health insurance are also allowed to take out a private health insurance. As already stated, the health insurance in Germany is mandatory for everyone residing in Germany. Is health insurance an admission requirement? After a refugee lives in Germany for this period of time he/she is entitled to the German insurance and social assistance scheme. The first place the refugee needs to address his/her health issues as a refugee is the immigrant center where he/she is registered. German Health Insurance Package for Internationals - Expatrio International students are not permitted to enrol at German higher education institutions without it, so it's a good idea to address the question of insurance early on. It is important that the EHIC is strictly limited to a number of medical services to the insurer. Student Health Insurance for Studying in Germany Guide Awarded Private Health Insurance: DR-WALTER 2. A private health insurance, on the other hand, it usually covers only the applicant who has been taking the insurance. Basic coverage is always the same: your health insurance covers the cost of check-ups, treatment for illness or after an accident, and certain medications. Basic dental care. Health insurance for international students costs from 105.80 - 111.75 per month with a statutory health insurance provider. Those who get this insurance benefit. Tariffs vary because each health insurance provider can levy individual additional contributions. All students can obtain low-cost insurance. This is linked in the privacy policy. Great benefits, expert advice and customer service tailored to your needs and interest. Proof of health insurance is also an important requirement during your student visa and university enrolment process. directly to TUM. For example, back at home, your health insurance may cover numerous medical needs, but in Germany, there are limited medical services covered by your insurance provider. You cant get insured under the public health insurance plan as a preparatory course student. Your insurance provider abroad will inform you. If I graduate before my health insurance membership expires should I still pay for it? Once you get admitted and land in Germany you must seek your health insurance plan. International students are not permitted to enrol at German higher education institutions without it, so it's a good idea to address the question of insurance early on. What is covered by student health insurance in Germany? Private health insurance from other countries is sometimes also recognised. One company that offers affordable health insurance plans tailored for language students that you can easily and quickly buy online isDR-WALTER. Across all health insurance providers, the statutory health insurance rate for international students is the same. Health insurance | For students | University of Stuttgart Universities in Germany What you need to know about governmental health insurance as a student You can enrol at a German university with the student tariffs of governmental health insurance providers if your university is state recognised and as long as you are below 30 years old. The legal protection insurance covers neither willfully caused lawsuits nor expenses that are too high compared with the envisaged success. Below weve provided all the information refugees must have prior to seeking insurance in Germany: It all begins with knowing where to make a request for seeking health insurance. Theres a nationwide basic premium rate for the public health insurance, which is the same for every citizen no matter his/her income. They will give the details and the paperwork required for your entitlement to their insurance framework. In this context, you must personally ask your health insurance provider and other relevant national authorities in your home country and they will inform you in details. A comprehensive health insurance plan increases your chances of getting your student visa. The cost of medications. International students in Germany enrolled in a degree programme in most cases are eligible to obtain low-cost public insurance. However, students who want to be or remain insured with a . The insurance on household contents protects the belongings from material damages and the related costs. Property insurances cover the contractually defined objects, particularly the risk of their loss, damage and destruction. Proof of health insurance is also an important requirement during your student visa and university enrolment process. In order for you to get the best deal, you must make a precise evaluation of each health care package offered to you. RT @scholarsregion: 2023 DAAD Helmut-Schmidt-Programme Scholarship For International Students Apply Link http://scholarshipregion.com/?p=28763 Host: Germany . Studying-in-Germany.org is the largest information portal about studying in Germany for foreign students. You will be comprehensively covered by the student insurance of Techniker Krankenkasse (TK) during your subject-related studies. Information for working students. Health Insurance in Germany - A Complete Guide | CBS The German law requires you to have insurance, and you can pick a private plandepending on your needs. In this guide, we will show you exactly what you need to know about student health insurance in Germany, your eligibility, requirements for your student visa, costs, and how to pick a health insurance plan that is both affordable and covers everything you need as an international student. So, have in mind, that while for the university application, theres no need to be health-insured, when it comes to being enrolled at the university you need to be insured otherwise the University will turn down your admission. For more information about this kind of insurance, make sure you check out PROVISIT by DR-WALTER. Under the European health insurance scheme reform, the former E-certificates were replaced by a group of more comprehensive documents, with one of them being the EHIC card. This is very important because there are many individuals that have an unknown medical background and may impose a threat to the community. Marriage and children, loss of job, taking up self-employment or the beginning of retirement can entirely change your life situation. Click here to learn more about public health insurance at TK. If you have a you should request information about additional travel health insurance. In contrast, the private health insurance can cover more specific medical treatments. What does student health insurance in Germany cover? Updated on May 24, 2023 By Nicolas Bouliane Verified by 5 experts This guide explains how health insurance works in Germany, and how to choose the best health insurance for your situation. If youre privately insured your medical care will normally include more health coverage. Comparing Europe with Germany, the statutory health insurance or private health insurance pays for the illness costs to a similar extent. According to the German Civil Code the liability for damages is defined as liability with your total assets. Private insurers make adds a significant contribution to the doctors supplemental incomes and so they pay greater attention to their privately insured patients. If youre abroad with a purpose rather than working, therefore on a short visit, you can still seek your EHIC card. The good thing about being fully insured is the peace of mind, knowing that if you happen to have health problems, you can go visit the doctor and get hospital services knowing that you wont have to pay the large medical bills out of your pocket. The services youre entitled to under statutory health insurance in Germany as a Ukrainian refugee include: If you fall in this category as a Ukrainian refugee in Germany, the law does not make you eligible for statutory health insurance coverage. But, you will still have access to healthcare services in line with services that statutory health insurance provides. This depends on your education and in some cases, preparatory courses are not required. This insurance covers all judicial instances, including the costs of experts, witnesses, surveyors, lawyer and court under the precondition that the legal dispute has a reasonable chance of success. Health Insurance for your visa & stay in Germany | Fintiba GERMAN STUDENT INSURANCE offers tailored insurance coverage for students up to 29 years of age. The health insurance through S1 is very common for retirees or for family members of a migrant worker. For example, the statutory health insurance system in a foreign country may charge you with a nominal fee for a medical need that in your home country wouldnt be paying anything. The following countries are part of the European Health Insurance agreement, therefore citizens of these countries are allowed to pursue an EHIC: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden Switzerland and United Kingdom. As a huge and complex entity, the German health insurance system is encircled by a number of actors. , such as severe psychological/physical violence. In a way, the fact that health insurance in Germany is mandatory by law confounds international students about the time when they must seek health insurance. Medical and health emergencies are . Being so, the EHIC wont cover any cost that the travel insurance is supposed to cover, for instance, your stolen things, your ticket for flying back home. What if I have private health insurance plan? Currently, the social grants to refugees are around 4,800 per year, or slightly over 400 per month and 2% of this income must be allotted to paying health insurance. The Health Care System in Germany is built upon the principle of solidarity. The private health insurance charges higher premiums which vary according to your earnings and the risks youre willing to take. In cooperation with Techniker Krankenkasse we have developed an insurance solution which enables students in Germany to insure themselves as quickly, easily and unbureaucratically as possible: GERMAN STUDENT INSURANCE, consisting of a private health insurance and the public health insurance of TK. 5 takeaways from Supreme Court's student loan relief decision : NPR Health insurance Friedrich-Alexander-Universitt Erlangen-Nrnberg The intention behind the introduction of the mandatory health insurance in 2007 was that every citizen has the basic medical needs covered by its GKV health insurance. You can handle a host of matters simply online at www.dak.de in a special data-protected area.