--- title: "From €27.50/mo · Exchange and PhD Insurance · Germany 2026" description: "Exchange and PhD Students Health Insurance: practical guidance for foreigners in Germany — what the German Ausländerbehörde and German embassies." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health Insurance for Exchange Students and Doctoral Candidates in Germany", "description": "Exchange and PhD Students Health Insurance: practical guidance for foreigners in Germany — what the German Ausländerbehörde and German embassies.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-04", "dateModified": "2026-09-09", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "DAK-Gesundheit", "url": "https://de.wikipedia.org/wiki/DAK-Gesundheit" }, { "@type": "Thing", "name": "Techniker Krankenkasse", "url": "https://en.wikipedia.org/wiki/Techniker_Krankenkasse" }, { "@type": "Thing", "name": "AOK", "url": "https://en.wikipedia.org/wiki/AOK" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], 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] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Ready for university enrollment in 3 steps", "description": "DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your student plan", "text": "DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Which health insurance do exchange students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Erasmus and short-term exchange students (up to 92 days) typically use Care Visa Protect from €0.85/day. For semesters longer than 3 months, Care College (from €27.50/month, 1–60 months) is the recognised recognised private tariff." } }, { "@type": "Question", "name": "Is EHIC enough for exchange students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For EU/EEA exchange students, EHIC covers medically necessary treatment during study stays up to 12 months. Universities may still request an M10 electronic notification — a top-up Care College policy (from €27.50/month) is sometimes required for enrolment." } }, { "@type": "Question", "name": "What health insurance do PhD candidates need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Depends on status: PhD students matriculated as regular students under 30 use DAK-Studenten (~€135.52/month); over 30 use Care Student (€101.54/month); PhD candidates on an employment contract go into GKV via the employer (~17.8% of gross)." } }, { "@type": "Question", "name": "Can PhD researchers on a fellowship use private insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "PhD scholarship holders (Stipendiaten) are typically not GKV-eligible and use Care Expatriate (from €58/month, up to 60 months) — accepted by the Ausländerbehörde under § 5 AufenthG for the researcher residence permit." } }, { "@type": "Question", "name": "How long can exchange or PhD students stay on private insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care College runs 1–60 months for degree-preparation and exchange phases. Care Expatriate runs 1–60 months for PhD fellowships. Both provide instant PDF certificates typically accepted by German embassies and the Ausländerbehörde." } }, { "@type": "Question", "name": "What health insurance do exchange students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Exchange students enrolled at a German university typically need statutory insurance (GKV) or a private plan with an exemption certificate. Visiting students often use incoming tariffs like Care College (from €27.50/month)." } }, { "@type": "Question", "name": "How much does health insurance cost for PhD students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Private tariffs like Care Student start at €101.54/month. Statutory GKV rates are around €135.52/month." } }, { "@type": "Question", "name": "Do I need German health insurance for an Erasmus semester?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — German universities require proof of health insurance for enrollment. Private incoming tariffs like Care College are commonly used for exchange semesters of 1–2 terms." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which health insurance do exchange students need in Germany?", "text": "Which health insurance do exchange students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Erasmus and short-term exchange students (up to 92 days) typically use Care Visa Protect from €0.85/day. For semesters longer than 3 months, Care College (from €27.50/month, 1–60 months) is the recognised recognised private tariff.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is EHIC enough for exchange students in Germany?", "text": "Is EHIC enough for exchange students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For EU/EEA exchange students, EHIC covers medically necessary treatment during study stays up to 12 months. Universities may still request an M10 electronic notification — a top-up Care College policy (from €27.50/month) is sometimes required for enrolment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do PhD candidates need in Germany?", "text": "What health insurance do PhD candidates need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Depends on status: PhD students matriculated as regular students under 30 use DAK-Studenten (~€135.52/month); over 30 use Care Student (€101.54/month); PhD candidates on an employment contract go into GKV via the employer (~17.8% of gross).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can PhD researchers on a fellowship use private insurance in Germany?", "text": "Can PhD researchers on a fellowship use private insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "PhD scholarship holders (Stipendiaten) are typically not GKV-eligible and use Care Expatriate (from €58/month, up to 60 months) — accepted by the Ausländerbehörde under § 5 AufenthG for the researcher residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How long can exchange or PhD students stay on private insurance in Germany?", "text": "How long can exchange or PhD students stay on private insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care College runs 1–60 months for degree-preparation and exchange phases. Care Expatriate runs 1–60 months for PhD fellowships. Both provide instant PDF certificates typically accepted by German embassies and the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do exchange students need in Germany?", "text": "What health insurance do exchange students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Exchange students enrolled at a German university typically need statutory insurance (GKV) or a private plan with an exemption certificate. Visiting students often use incoming tariffs like Care College (from €27.50/month).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance cost for PhD students in Germany?", "text": "How much does health insurance cost for PhD students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Private tariffs like Care Student start at €101.54/month. Statutory GKV rates are around €135.52/month.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need German health insurance for an Erasmus semester?", "text": "Do I need German health insurance for an Erasmus semester?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — German universities require proof of health insurance for enrollment. Private incoming tariffs like Care College are commonly used for exchange semesters of 1–2 terms.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-09", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care College — recognised for non-EU exchange / Studienkolleg from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Students in Germany](/en/guide-health-insurance-germany/health-insurance-students-germany/) 4. Health Insurance for Exchange Students in Germany An Erasmus+ travel-insurance package usually does NOT meet § 16b AufenthG — non-EU exchange students need recognised German cover before the first university day # Health Insurance for Exchange Students and Doctoral Candidates in Germany 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![Exchange students and doctoral candidates in Germany — recognised health-insurance proof for the Ausländerbehörde](/assets/schloss-neuschwanstein-rentner-deutschland-BUe6CLV2.jpg) - EU / EEA / Swiss exchange: EHIC — free (EU Reg. 883/2004 · valid for the entire exchange) - [Non-EU enrolled exchange: DAK Studenten ~€135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (M10 via university · standard GKV proof) - [Language / Studienkolleg / PhD < 30: Care College from €27.50/month](/en/insurance-plans/care-college/overview/) (1–60 mo, Care College entry age up to 29 · or Care Expatriate €58/mo, ages 13–40 / stipend) EU / EHIC Free Non-EU enrolled ~€135.52/mo Sprachk. / PhD €27.50 / €58 "Exchange student" and "doctoral candidate" are two audiences, three legal frames : 1. A **EU / EEA / Switzerland exchange student:** EHIC — free — the European Health Insurance Card (EU Regulation 883/2004) is the recognised proof for the entire exchange. Top up with [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) for non-Schengen side trips. 2. B **Non-EU exchange student enrolled at a German university:** [DAK Studenten from €135.52/month (open-ended)](/en/insurance-plans/dak-gesundheit/overview/) — GKV student tariff under § 5 Abs. 1 Nr. 9 SGB V; M10 to the university; the cheapest long-term route for any exchange ≥ 6 months. 3. C **Language course / Studienkolleg / pre-studies / doctoral candidate:** [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/) for under 30, or [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) for 30+ / stipend-funded — Incoming-Versicherung (Privat) recognised for § 16b AufenthG. Doctoral candidate with a contract or a stipend? [Read the dedicated PhD guide →](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/) Inside: why an Erasmus+ travel package fails the § 16b AufenthG check · the EHIC limit that doesn't cover non-Schengen side trips · the legal frame that turns a 'doctoral student' into an employee Sources: EU Regulation 883/2004 (EHIC) · § 16b AufenthG (study) · § 5 Abs. 1 Nr. 9 SGB V (student GKV, age 30 cap) · § 257 SGB V (equivalence) · HanseMerkur Care College / Care Expatriate / Care Visa Protect AVB · DAK-Gesundheit tariff sheet 2026 Student Coverage DAK-Gesundheit or HanseMerkur student options Enrollment Proof M10 notification for eligible university enrollment flows Visa & University Documents Receive confirmation for visa or enrollment steps where applicable ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 9, 2026** SourcesEU Reg. 883/2004 · § 16b AufenthG · § 5 / § 257 SGB V · HanseMerkur Care College / Care Expatriate AVB · DAK-Gesundheit 2026 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Non-EU exchange or pre-studies frame? Take out Care College the same day so the Ausländerbehörde sees the recognised PDF — covering the full exchange period — at the appointment. [Care College — non-EU exchange / Studienkolleg (PDF in minutes) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/)[Care Expatriate — PhD / age 30+ / stipend from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - Exchange students and doctoral candidates split into THREE distinct legal frames — and the recognised insurance route depends on the home country and the formal status, NOT on the title 'student'. (1) EU/EEA + Switzerland exchange students → EHIC (European Health Insurance Card) is the recognised proof for the entire exchange under EU Regulation 883/2004 — free at the home insurer; only a short Care Visa Protect from €0.85/day is needed for non-Schengen side trips. (2) Non-EU exchange students enrolled at a German university → DAK Studenten ~€135.52/month (M10 to the university), or Care College from €27.50/month if the exchange is via language course / Studienkolleg / pre-studies frame. (3) Doctoral candidates → three separate routes (DAK Studenten if enrolled and < 30, DAK Angestellte 17.8 % gross if Wiss. Mitarbeiter, or Care Expatriate from €58/month if stipend-funded or 30+) — see the dedicated PhD page for the full decision tree. - What the German Ausländerbehörde rejects for non-EU exchange students and PhDs: home-country travel insurance, Schengen-only policies once a national D-visa is issued, and any cover that does not state the GKV-equivalence (§ 257 SGB V) or the recognised Incoming framework. EHIC is automatic for EU/EEA students with valid statutory cover at home; non-EU students need either a recognised GKV (DAK Studenten) or a private Incoming-Versicherung (Care College, Care Expatriate) issued by HanseMerkur. The recognised PDF certificate is delivered by email in minutes and accepted nationwide for § 16b AufenthG. - The most expensive mistake non-EU exchange students make: assuming an Erasmus+ travel-insurance package is sufficient for the German Ausländerbehörde. Erasmus+ travel cover usually does NOT meet § 16b AufenthG requirements (no recognised German cover statement, exclusions on pre-existing complaints) and the residence permit is refused at the appointment. Take out Care College (€27.50/month) or DAK Studenten (€135.52/month) before the first university enrolment day — the GKV student tariff is the cheaper long-term solution if the exchange lasts ≥ 6 months. Key facts at a glance Reviewed September 9, 2026 - **EHIC: free recognised proof for EU/EEA + Swiss exchange students:** Under EU Regulation 883/2004 the European Health Insurance Card is the recognised proof for the entire exchange semester or year — no German policy required, no monthly premium. Issued free of charge by the home statutory insurer. (Source: EU Regulation 883/2004). - **Non-EU exchange enrolled at a German university: DAK Studenten ~€135.52/month:** GKV student tariff under § 5 Abs. 1 Nr. 9 SGB V; M10 notification sent automatically to the university and forwarded to the Ausländerbehörde. The cheapest long-term route for any exchange of 6 months or more. (Source: § 5 Abs. 1 Nr. 9 SGB V · DAK-Gesundheit tariff 2026). - **Language course / Studienkolleg / PhD < 30: Care College from €27.50/month:** HanseMerkur Incoming-Versicherung (Privat), 1–60 months, age 12–40 (entry), recognised by every Ausländerbehörde for § 16b AufenthG. The recognised PDF certificate is delivered by email in minutes. (Source: HanseMerkur Care College AVB 2026). - **Average uninsured emergency-room visit in Germany: ~€830 per day:** Statistisches Bundesamt DRG data shows an average inpatient day rate of around €830 (basic ward). Without recognised cover the foreign exchange student pays this in cash before discharge — a €27.50 monthly Care College premium prevents this risk completely. (Source: Statistisches Bundesamt DRG 2024). ## Five typical mistakes exchange students and PhD candidates make **Quick answer:** "Which insurance does an exchange student or PhD candidate need in Germany?" — most international candidates run into one of five issues: assuming an Erasmus+ travel package satisfies § 16b AufenthG; non-EU students using only a home-country card; EU students forgetting the EHIC for non-Schengen trips; doctoral candidates assuming the GKV student tariff applies past age 30; or stipend-funded PhDs missing the gap between contract end and visa renewal. ## Avoid the mistakes that can delay your application ### Enrollment can stall without M10 DAK Student and Care Student support electronic M10 notification for eligible university enrollment flows. ### Under 30 or over 30? DAK Student fits many students up to age 29; Care Student can fit private student coverage up to age 39. ### Private or statutory confusion Choosing the wrong route can create extra steps. Check statutory, private and exemption rules before applying. ### Language school is different Care College is better for language school, Studienkolleg, DSH and educational stays — not M10 university enrollment. ## What an uninsured day during an exchange semester actually costs ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 🎓 1 missed M10 Enrollment can get stuck For university enrollment, the wrong insurance route can delay the electronic M10 notification to your university. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## First university day in the next 14 days? Care College delivers the recognised PDF in minutes ## Why act before university enrollment University enrollment can depend on the right insurance route. Waiting too long can delay M10 notification or create extra steps. 🎓 M10 timing matters DAK Student and Care Student can support M10 university enrollment flows where applicable. 📄 Wrong route creates delays Language school, Studienkolleg and DSH usually need Care College, not the university M10 route. ⚡ Apply before enrollment pressure Prepare insurance proof before the university or visa office asks for it urgently. ✅ Under 30 or over 30? DAK Student and Care Student serve different student situations. Check age and eligibility before applying. ## From application to exchange certificate — in 3 steps 10 minutes online, certificate by email, accepted by every German Ausländerbehörde for § 16b AufenthG. For doctoral candidates the decision tree is split into three frames — see also the [dedicated PhD insurance guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/). ## Ready for university enrollment in 3 steps DAK Student or Care Student for university enrollment, M10 notification and proof of coverage. 1. 1 🎯 Choose your student plan DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College. 2. 2 📝 Complete the application Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows. 3. 3 ✅ Receive your proof Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university. ## What exchange students say about Care College for the § 16b AufenthG exchange semester in Germany 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## The 2 products that cover non-EU exchange students and doctoral candidates 🌍 Non-EU exchange / Studienkolleg / PhD < 30 ### Care College from only €27.50 / month (coverage up to 5 years) For language schools, Studienkolleg, DSH, continuing education, visiting researchers & educational stays - Proof of insurance for visas & immigration authorities quickly available (PDF) - Affordable health insurance from €27.50 / month - Doctor, hospital, prescription medication & dental treatment coverage - For educational stays in Germany or the EU/Schengen Area — except Austria - Suitable for language students, Studienkolleg, DSH, continuing education & visiting researchers - Coverage up to 5 years – less renewal stress - 3 plan levels available: Basic, Comfort & Premium - 24/7 assistance + digital insurance card - Coverage term: 1 month to 5 years · entry age up to 40 - Reputable insurance carrier Why Care College? For foreign nationals with an educational stay who need affordable health insurance and proof of coverage for authorities — suitable for language school, Studienkolleg, DSH, continuing education or visiting researchers. Why a 5-year coverage term? More planning security during training, language courses or study preparation: less renewal stress and a lower risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €27.50 / month · coverage up to 5 years [Care College – Quick Overview](/en/insurance-plans/care-college/plan-details/) [Apply online now](/en/insurance-plans/care-college/apply/) → Complete the application, receive your instant PDF, submit your proof 🎓 Enrolled exchange ≥ 6 months ### DAK-Gesundheit Students from €145.52 / month (effectively from €135.52 with DAK Garantietarif 120 possible) For international students in Germany up to age 29 - Accepted for university enrollment – electronic M10 notification - Visa confirmation directly after application - Statutory health insurance + mandatory long-term care insurance included - Doctor, dentist, hospital, pharmacy & prescription medication coverage - Health insurance card for medical treatment in Germany - Apply online from your home country – no German address required - Save €120 per year with DAK Garantietarif 120 possible - Alternative: DAK Fit & Travel with additional benefits - 2026 contributions: from €145.52 · effectively from €135.52 possible - Reputable statutory health insurance provider Why DAK-Gesundheit? For international students in Germany who need statutory health insurance for a visa, university and enrollment — including M10 notification and a health insurance card. Why statutory student health insurance? More security for your studies and enrollment: full statutory health coverage, electronic notification to the university and clear acceptance for enrollment. - 🏛️ DAK-Gesundheit - 📄 M10 notification + visa confirmation after application - 🔒 Doctor, dentist, clinic, pharmacy & prescription medication - 🏷️ From €145.52 / month · effectively from €135.52 possible [DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit/apply/) → Complete the application, receive visa confirmation, secure your M10 notification Stipend-funded PhD or any candidate aged 30+? [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) is the recognised solution (1–60 months, no excess). Compare all 11 tariffs in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — Non-EU exchange, enrolled GKV and PhD 30+ fallback **Quick answer:** Three recognised products cover non-EU exchange students and doctoral candidates: Care College from €27.50/month for the language / Studienkolleg / pre-studies frame, DAK Studenten ~€135.52/month for any enrolled non-EU exchange ≥ 6 months, and Care Expatriate from €58/month for stipend-funded or 30+ candidates. ### Language course / Studienkolleg / PhD < 30 — Care College Three tiers (Basic / Comfort / Premium), 1–60 months, ages 12–40 (entry), recognised by every German Ausländerbehörde for § 16b AufenthG: Care College Basic Bestseller Comfort Premium Deductible / yr 120,– Deductible / yr 0,– Deductible / yr 0,– Months 1–24 month up to 29 yrs (€ / month) 27,50 34,– 48,– Months 1–24 month from 30 yrs (€ / month) 33,50 50,– 75,– From 25th month up to 29 yrs (€ / month) 49,50 57,– 73,– From 25th month from 30 yrs (€ / month) 55,– 73,– 99,– All prices per month/person in euros. Deductible applies per insurance year. Maximum entry age 40. As of 2026. [Care College — Overview](/en/insurance-plans/care-college/overview/) [Apply now](/en/insurance-plans/care-college/overview/) ### Enrolled non-EU exchange ≥ 6 months — DAK Studenten GKV student tariff under § 5 Abs. 1 Nr. 9 SGB V, M10 automatic to the university, valid for the entire enrolled period (age cap 30): Insured benefits DAK-Gesundheit Bestseller DAK + Garantietarif 120 DAK + Fit & Travel up to age 23 €145.52 / month €145.52 €135.52 / month €145.52 / month up to age 29, childless €150.65 / month €150.65 €140.65 / month €150.65 / month up to age 29, with 1 child €145.52 / month €145.52 €135.52 / month €145.52 / month Bonus / extra benefit — saves €120/year free for under 39 Contribution incl. long-term care insurance (childless from age 23). Garantietarif 120: €120 contribution refund per year if no claims are filed. Fit & Travel: free for insured persons under 39. Entry age up to 29, term for the duration of studies (max. 14 specialist semesters / age 30). As of 2026. [DAK Students — Overview](/en/insurance-plans/dak-gesundheit/overview/) [Apply now](/en/insurance-plans/dak-gesundheit/overview/) ### Stipend / age 30+ doctoral candidate — Care Expatriate Three tiers (Basic / Comfort / Premium), 1–60 months, recognised globally incl. home country, no excess — the standard fallback for stipend-funded PhDs and 30+ candidates: Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ## FAQ — Health insurance for exchange students and doctoral candidates in Germany ## Frequently Asked Questions Which health insurance do exchange students need in Germany? Erasmus and short-term exchange students (up to 92 days) typically use Care Visa Protect from €0.85/day. For semesters longer than 3 months, Care College (from €27.50/month, 1–60 months) is the recognised recognised private tariff. Is EHIC enough for exchange students in Germany? For EU/EEA exchange students, EHIC covers medically necessary treatment during study stays up to 12 months. Universities may still request an M10 electronic notification — a top-up Care College policy (from €27.50/month) is sometimes required for enrolment. What health insurance do PhD candidates need in Germany? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Depends on status: PhD students matriculated as regular students under 30 use DAK-Studenten (~€135.52/month); over 30 use Care Student (€101.54/month); PhD candidates on an employment contract go into GKV via the employer (~17.8% of gross). Can PhD researchers on a fellowship use private insurance in Germany? PhD scholarship holders (Stipendiaten) are typically not GKV-eligible and use Care Expatriate (from €58/month, up to 60 months) — accepted by the Ausländerbehörde under § 5 AufenthG for the researcher residence permit. How long can exchange or PhD students stay on private insurance in Germany? Care College runs 1–60 months for degree-preparation and exchange phases. Care Expatriate runs 1–60 months for PhD fellowships. Both provide instant PDF certificates typically accepted by German embassies and the Ausländerbehörde. What health insurance do exchange students need in Germany? Exchange students enrolled at a German university typically need statutory insurance (GKV) or a private plan with an exemption certificate. Visiting students often use incoming tariffs like Care College (from €27.50/month). How much does health insurance cost for PhD students in Germany? Private tariffs like Care Student start at €101.54/month. Statutory GKV rates are around €135.52/month. Do I need German health insurance for an Erasmus semester? Yes — German universities require proof of health insurance for enrollment. Private incoming tariffs like Care College are commonly used for exchange semesters of 1–2 terms. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 9, 2026.