--- title: "From €27.50/mo · Health Insurance PhD Abroad Germany 2026" description: "Health Insurance PhD Abroad Student or Employment: 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 International PhD Candidates in Germany", "description": "Health Insurance PhD Abroad Student or Employment: 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": "2026-09-07", "dateModified": "2026-09-04", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-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" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Students in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/" }, { "@type": "ListItem", "position": 4, "name": "PhD in Germany for Foreign Candidates", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/" } ] }, { "@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 PhD candidates from abroad need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "PhD students matriculated under 30 use DAK-Studenten (~€135.52/month); over 30 use Care Student (€101.54/month, GKV-equivalent). Depends on contract type. PhD candidates on an employment contract go into GKV via the employer at ~17.8% of gross under § 5 SGB V." } }, { "@type": "Question", "name": "Can a PhD scholarship holder (Stipendiat) use private insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Scholarship holders (Stipendiaten) are typically not GKV-eligible and use Care Expatriate from €58/month (ages 13–40) — up to 60 months per contract, accepted by the Ausländerbehörde under § 5 AufenthG for the researcher residence permit (§ 18d AufenthG)." } }, { "@type": "Question", "name": "Is DAK-Studenten available for PhD candidates over 30 in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No. The GKV student tariff (KVdS) is legally capped at age 30 under § 5 Abs. 1 Nr. 9 SGB V. From the first of the month after the 30th birthday, PhD candidates switch to Care Student (€101.54/month, GKV-equivalent) or Care Expatriate from €58/month if GKV-exempt." } }, { "@type": "Question", "name": "Does Care Expatriate cover PhD fellowships and research contracts in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — care Expatriate (from €58/month, 1–60 months) is recognised for §§ 18d / 20 AufenthG researcher and job-search permits. Zero deductible on the Premium tier; PDF certificate available within minutes for embassy and Ausländerbehörde files." } }, { "@type": "Question", "name": "What is the cheapest health insurance for foreign PhD students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Under 30: DAK-Studenten at ~€135.52/month (statutory, M10 automatic). Over 30 with GKV exemption: Care Student at €101.54/month. Scholarship / non-GKV route: Care Expatriate from €58/month — the lowest monthly rate among the three." } }, { "@type": "Question", "name": "What health insurance do PhD students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "It depends on your status: enrolled PhD students under 30 can use the statutory student tariff (GKV, approx. €135.52/month). PhD students over 30 or with a GKV exemption typically use Care Student (€101.54/month). Employed researchers (wissenschaftliche Mitarbeiter) are insured through their employer." } }, { "@type": "Question", "name": "Is Care Student accepted by German universities for enrollment?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Care Student includes the M10 notification (M10-Meldung), which is the standard proof German universities require for enrollment. It is recognized as equivalent to statutory health insurance (GKV) by many institutions." } }, { "@type": "Question", "name": "How much does health insurance cost for PhD students over 30 in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "PhD students over 30 who can no longer use the GKV student tariff typically choose Care Student at €101.54/month (including long-term care) — a flat monthly premium independent of income. The certificate is issued instantly via email." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which health insurance do PhD candidates from abroad need in Germany?", "text": "Which health insurance do PhD candidates from abroad need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "PhD students matriculated under 30 use DAK-Studenten (~€135.52/month); over 30 use Care Student (€101.54/month, GKV-equivalent). Depends on contract type. PhD candidates on an employment contract go into GKV via the employer at ~17.8% of gross under § 5 SGB V.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can a PhD scholarship holder (Stipendiat) use private insurance in Germany?", "text": "Can a PhD scholarship holder (Stipendiat) use private insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Scholarship holders (Stipendiaten) are typically not GKV-eligible and use Care Expatriate from €58/month (ages 13–40) — up to 60 months per contract, accepted by the Ausländerbehörde under § 5 AufenthG for the researcher residence permit (§ 18d AufenthG).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is DAK-Studenten available for PhD candidates over 30 in Germany?", "text": "Is DAK-Studenten available for PhD candidates over 30 in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No. The GKV student tariff (KVdS) is legally capped at age 30 under § 5 Abs. 1 Nr. 9 SGB V. From the first of the month after the 30th birthday, PhD candidates switch to Care Student (€101.54/month, GKV-equivalent) or Care Expatriate from €58/month if GKV-exempt.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does Care Expatriate cover PhD fellowships and research contracts in Germany?", "text": "Does Care Expatriate cover PhD fellowships and research contracts in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — care Expatriate (from €58/month, 1–60 months) is recognised for §§ 18d / 20 AufenthG researcher and job-search permits. Zero deductible on the Premium tier; PDF certificate available within minutes for embassy and Ausländerbehörde files.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the cheapest health insurance for foreign PhD students in Germany?", "text": "What is the cheapest health insurance for foreign PhD students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Under 30: DAK-Studenten at ~€135.52/month (statutory, M10 automatic). Over 30 with GKV exemption: Care Student at €101.54/month. Scholarship / non-GKV route: Care Expatriate from €58/month — the lowest monthly rate among the three.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do PhD students need in Germany?", "text": "What health insurance do PhD students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "It depends on your status: enrolled PhD students under 30 can use the statutory student tariff (GKV, approx. €135.52/month). PhD students over 30 or with a GKV exemption typically use Care Student (€101.54/month). Employed researchers (wissenschaftliche Mitarbeiter) are insured through their employer.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care Student accepted by German universities for enrollment?", "text": "Is Care Student accepted by German universities for enrollment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Care Student includes the M10 notification (M10-Meldung), which is the standard proof German universities require for enrollment. It is recognized as equivalent to statutory health insurance (GKV) by many institutions.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does health insurance cost for PhD students over 30 in Germany?", "text": "How much does health insurance cost for PhD students over 30 in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "PhD students over 30 who can no longer use the GKV student tariff typically choose Care Student at €101.54/month (including long-term care) — a flat monthly premium independent of income. The certificate is issued instantly via email.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-phd-abroad-student-or-employment-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-04", "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 Expatriate — recognised for § 16b AufenthG research permit from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/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. PhD in Germany for Foreign Candidates A 'Doktorand' title alone does NOT grant GKV student access — most stipend-funded PhDs and every PhD aged 30+ are excluded # Health Insurance for International PhD Candidates in Germany 4.9/5 · 10,000+ policies since 2009 458 customer responses · [our own survey](/en/review-methodology/) ![International PhD candidate in Germany — recognised health-insurance proof for § 16b AufenthG research permit](/assets/schloss-neuschwanstein-rentner-deutschland-BUe6CLV2.jpg) - [Stipend / 30+ / § 16b research: Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) (1–60 months · recognised globally · no excess) - [Enrolled PhD < 30, no job: DAK Studenten ~€135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (GKV student tariff · M10 to the university) - [Wiss. Mitarbeiter (TV-L E13): DAK Angestellte 17.8 % gross](/en/insurance-plans/dak-gesundheit/overview/) (employer pays half · § 5 Abs. 1 Nr. 1 SGB V) Stipend / 30+ €58/mo Enrolled < 30 ~€135.52/mo Wiss. Mitarb. 17.8 % gross "Doktorand" is not one status — it's three . The recognised insurance follows the legal frame, not the title: 1. A **Stipend-funded or age 30+ (§ 16b AufenthG research permit):** [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) — Incoming-Versicherung (Privat), recognised globally incl. home country, 1–60 months, no excess. The standard recognised solution; PDF certificate delivered by email in minutes. 2. B **Enrolled doctoral candidate < 30, no employment > 20 h/week:** [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; the M10 notification is sent automatically to the university. 3. C **Wissenschaftliche/r Mitarbeiter/in (TV-L E13, > 20 h/week):** [DAK Angestellte 17.8% of gross (open-ended)](/en/insurance-plans/dak-gesundheit/overview/) — compulsory employee GKV under § 5 Abs. 1 Nr. 1 SGB V; the employer pays half directly. The student tariff stops the day the contract starts. Stipend letter received but no contract? [30-second tariff finder →](/en/tariffinder-germany/) Inside: why a DAAD stipend disqualifies the GKV student tariff · the age-30 rule that catches half of international PhDs · the exact wording the Ausländerbehörde looks for under § 16b Sources: § 5 Abs. 1 Nr. 1 SGB V (employee GKV) · § 5 Abs. 1 Nr. 9 SGB V (student GKV, age 30 cap) · § 16b AufenthG (study/research) · § 18d AufenthG (Researcher Directive 2016/801) · HanseMerkur Care Expatriate 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 4, 2026** Sources§ 5 SGB V · § 16b / § 18d AufenthG · HanseMerkur 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 ## Stipend-funded or age 30+? Take out Care Expatriate so the Ausländerbehörde sees the recognised PDF the day the § 16b permit is processed. [Care Expatriate — § 16b AufenthG research permit (PDF in minutes) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/)[Care Visa Protect — research visit ≤ 90 days from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/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 - International PhD candidates in Germany fall into three legal categories that decide the recognised health-insurance route — and the GKV student tariff is NOT automatic just because the title says 'Doktorand'. (A) Enrolled doctoral candidate under 30 with no employment > 20h/week → DAK Studenten ~€135.52/month (GKV student tariff, M10 to the university). (B) Employed as Wissenschaftliche/r Mitarbeiter/in (TV-L E13, > 20h/week) → DAK Angestellte 17.8 % gross, half paid by the employer (§ 5 Abs. 1 Nr. 1 SGB V). (C) Stipend-funded PhD (DAAD, Max-Planck, Humboldt) WITHOUT a German employment contract, or any PhD aged 30+ → Care Expatriate from €58/month (HanseMerkur, recognised globally, 1–60 months, no excess) — the standard recognised solution for the § 16b research D-visa. - What the German Ausländerbehörde will reject for a PhD residence permit: home-country travel insurance, Schengen-only policies once a national D-visa is issued, and any policy that excludes pre-existing complaints without naming the German legal framework. Care Expatriate (HanseMerkur) is recognised for § 16b AufenthG (research) and § 18d AufenthG (Researcher Directive); the certificate is delivered as a PDF in minutes and accepted nationwide. For a short research visit or interview ≤ 90 days, Care Visa Protect from €0.85/day satisfies EU Regulation 810/2009 (Schengen Visa Code, 30 000 € minimum cover plus repatriation). - The most expensive mistake stipend-funded PhDs make: assuming a 'student' status grants automatic GKV access. The GKV student tariff (DAK Studenten ~€135.52) is restricted to candidates under 30 enrolled at a German university — most stipend programmes do NOT include enrolment, and any candidate aged 30+ is excluded by § 5 Abs. 1 Nr. 9 SGB V. The recognised replacement is Care Expatriate from €58/month, valid for the full 5-year cap of the § 16b research permit. Key facts at a glance Reviewed September 4, 2026 - **GKV student tariff: hard age cap 30 (§ 5 Abs. 1 Nr. 9 SGB V):** Statutory health insurance as a student (DAK Studenten ~€135.52/month) is restricted to candidates under age 30. Beyond 30, doctoral candidates need a private recognised solution — Care Expatriate from €58/month is the standard for the § 16b research residence permit. (Source: § 5 Abs. 1 Nr. 9 SGB V). - **Researcher Directive 2016/801 implemented as § 18d AufenthG:** EU Directive 2016/801 (Researcher Directive) is transposed into German law as § 18d AufenthG. PhD candidates with a hosting agreement and a recognised research institute (DFG list) qualify; the Ausländerbehörde requires recognised health insurance for the entire stay. (Source: EU Directive 2016/801 · § 18d AufenthG). - **Wiss. Mitarbeiter contract: compulsory GKV at 17.8 % gross:** A doctoral employment contract (TV-L E13, typically > 20 h/week, gross well above the €538 minijob limit) creates compulsory employee membership in the GKV under § 5 Abs. 1 Nr. 1 SGB V. Employer pays half (~8.9 %); the student tariff is no longer applicable from day 1 of the contract. (Source: § 5 Abs. 1 Nr. 1 SGB V · TV-L 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 health insurance the foreign PhD candidate pays this in cash before discharge — a €58 monthly Care Expatriate premium prevents this risk completely. (Source: Statistisches Bundesamt DRG 2024). ## Five typical mistakes international PhD candidates make with health insurance **Quick answer:** "Which insurance does a PhD candidate need in Germany?" — most international doctoral candidates run into one of five issues: assuming the title 'Doktorand' grants automatic GKV access; using a home-country travel policy the Ausländerbehörde won't recognise; missing the age-30 cap on the student tariff; not switching the day the Wiss. Mitarbeiter contract starts; or buying a Schengen-only policy for a § 16b national D-visa. ## 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 a PhD in Germany 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. ## § 16b research-permit appointment in the next 14 days? Care Expatriate 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 research-permit certificate — in 3 steps 10 minutes online, certificate by email, accepted by every German embassy and Ausländerbehörde for § 16b / § 18d AufenthG. The same Care Expatriate policy stays valid into the post-doc transition — see also the [post-study job-transition guide](/en/guide-health-insurance-germany/health-insurance-students-germany/after-studies-job-transition-health-insurance-status-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 international PhD candidates say about Care Expatriate for the § 16b AufenthG research permit 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 international PhD candidates in Germany 🧪 § 16b AufenthG research permit ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof 🎓 Enrolled PhD < 30 ### 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 Enrolled but the host university treats the PhD as a regular student? [Care Student €101.54/month](/en/insurance-plans/care-student/overview/) is the GKV-equivalent recognised alternative (M10 to the university). Compare all 11 tariffs in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — Stipend, enrolled student and Wiss. Mitarbeiter **Quick answer:** Three recognised products cover the entire PhD spectrum: Care Expatriate from €58/month for stipend-funded or 30+ candidates under § 16b AufenthG, DAK Studenten ~€135.52/month for enrolled candidates under 30, and DAK Angestellte at 17.8 % gross for Wiss. Mitarbeiter contracts. ### Stipend / age 30+ — Care Expatriate Three tiers (Basic / Comfort / Premium), 1–60 months, recognised globally incl. home country, no excess — the standard recognised solution for the § 16b research permit: 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/) ### Enrolled doctoral candidate < 30 — 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/) ### Wiss. Mitarbeiter (TV-L E13) — DAK Angestellte Compulsory employee GKV under § 5 Abs. 1 Nr. 1 SGB V, 17.8 % gross with employer paying half (~8.9 %), unlimited duration: DAK-Gesundheit for employees (statutory) General contribution rate 14.6 % of gross \+ 3.2 % DAK supplement = 17.8 % Employer / employee share 8.9 % each Paid 50/50 Compulsory long-term care approx. 3.6 % standard 4.2 % childless from age 23 · reductions depending on number of children Total (incl. care, childless) ≈ 22.0 % of gross Depending on long-term care variant Family co-insurance possible Spouse & children covered under statutory conditions Sickness pay (Krankengeld) from day 43 70 % of gross, max 78 weeks Compulsory insurance limit (JAEG) €77,400 / year \= €6,450 / month (as of 2026) Income-based No flat rate — contribution scales with gross salary Family covered free Spouse without income + children co-insured Mandatory under JAEG Gross < €77,400 / year → statutory insurance required 2026 contribution rates: 14.6 % general + 3.2 % DAK supplement = 17.8 %; split 50/50 between employer and employee (8.9 % each). Compulsory long-term care approx. 3.6 % standard, 4.2 % childless from age 23, reductions depending on number of children. Family co-insurance possible under statutory conditions. As of 2026. [DAK Employees — Overview](/en/insurance-plans/dak-gesundheit-angestellte/overview/) [Apply for membership](/en/insurance-plans/dak-gesundheit-angestellte/overview/) ## FAQ — Health insurance for international PhD candidates in Germany ## Frequently Asked Questions Which health insurance do PhD candidates from abroad need in Germany? PhD students matriculated under 30 use DAK-Studenten (~€135.52/month); over 30 use Care Student (€101.54/month, GKV-equivalent). Depends on contract type. PhD candidates on an employment contract go into GKV via the employer at ~17.8% of gross under § 5 SGB V. Can a PhD scholarship holder (Stipendiat) use private insurance in Germany? Scholarship holders (Stipendiaten) are typically not GKV-eligible and use Care Expatriate from €58/month (ages 13–40) — up to 60 months per contract, accepted by the Ausländerbehörde under § 5 AufenthG for the researcher residence permit (§ 18d AufenthG). Is DAK-Studenten available for PhD candidates over 30 in Germany? No. The GKV student tariff (KVdS) is legally capped at age 30 under § 5 Abs. 1 Nr. 9 SGB V. From the first of the month after the 30th birthday, PhD candidates switch to Care Student (€101.54/month, GKV-equivalent) or Care Expatriate from €58/month if GKV-exempt. Does Care Expatriate cover PhD fellowships and research contracts in Germany? Yes — care Expatriate (from €58/month, 1–60 months) is recognised for §§ 18d / 20 AufenthG researcher and job-search permits. Zero deductible on the Premium tier; PDF certificate available within minutes for embassy and Ausländerbehörde files. What is the cheapest health insurance for foreign PhD students in Germany? Under 30: DAK-Studenten at ~€135.52/month (statutory, M10 automatic). Over 30 with GKV exemption: Care Student at €101.54/month. Scholarship / non-GKV route: Care Expatriate from €58/month — the lowest monthly rate among the three. What health insurance do PhD students need in Germany? It depends on your status: enrolled PhD students under 30 can use the statutory student tariff (GKV, approx. €135.52/month). PhD students over 30 or with a GKV exemption typically use Care Student (€101.54/month). Employed researchers (wissenschaftliche Mitarbeiter) are insured through their employer. Is Care Student accepted by German universities for enrollment? Yes. Care Student includes the M10 notification (M10-Meldung), which is the standard proof German universities require for enrollment. It is recognized as equivalent to statutory health insurance (GKV) by many institutions. How much does health insurance cost for PhD students over 30 in Germany? PhD students over 30 who can no longer use the GKV student tariff typically choose Care Student at €101.54/month (including long-term care) — a flat monthly premium independent of income. The certificate is issued instantly via email. [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 4, 2026.