--- title: "From €101 · Student Insurance Proof Enrolment 2026" description: "Health insurance proof for enrolment at a German university: M10 electronic notification, DAK-Studenten under 30 (~€145/mo) or Care Student over 30 (€101.54/mo)." 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", 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M10 Notification, DAK or Care Student", "description": "Health insurance proof for enrolment at a German university: M10 electronic notification, DAK-Studenten under 30 (~€145/mo) or Care Student over 30 (€101.54/mo).", "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": "2026-09-02", "dateModified": "2026-09-09", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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": "What health-insurance proof does a German university need for enrolment?", "acceptedAnswer": { "@type": "Answer", "text": "German universities require an M10 electronic notification from a recognised insurer. Under 30, DAK-Studenten (~€135.52/month) sends the M10 automatically; over 30 or with a § 8 SGB V exemption, Care Student (€101.54/month) does the same." } }, { "@type": "Question", "name": "What is the M10 notification for university enrolment in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "M10 is the electronic protocol under § 199a SGB V. The recognised insurer transmits your insurance status directly to the university within minutes — DAK-Studenten does this for GKV members, Care Student for the private GKV-equivalent tariff." } }, { "@type": "Question", "name": "Do I need paper proof of insurance for enrolment in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — since 2022 all German universities rely on the electronic M10 protocol instead of paper certificates. You give your matriculation number to DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) and the confirmation arrives at the university automatically." } }, { "@type": "Question", "name": "What if the M10 confirmation is missing on the enrolment deadline in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Contact your insurer with the university's Betriebsnummer and your matriculation number — DAK re-transmits within 1 working day, Care Student on the same day. Enrolment cannot be finalised without a successful M10, so this step is time-critical." } }, { "@type": "Question", "name": "Can Care Student replace DAK for the M10 notification in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Student (€101.54/month total: CCS €35 + PVN €58.04 + Pflege €8.50) is a GKV-equivalent tariff under § 8 SGB V and transmits the M10 exactly like DAK-Studenten — used by students over 30 or with a GKV exemption." } }, { "@type": "Question", "name": "What documents do I need for university enrollment insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "German universities require either an electronic M10 confirmation from a statutory health insurer (GKV) or an exemption certificate (Befreiungsbescheinigung). Without one of these, enrollment (Immatrikulation) cannot be completed. If you have private or incoming insurance, you need the exemption certificate first." } }, { "@type": "Question", "name": "Can I use Care College or Care Student for university enrollment?", "acceptedAnswer": { "@type": "Answer", "text": "Care College and Care Student are private incoming insurance options. For enrollment with Care College, you additionally need an exemption certificate (Befreiungsbescheinigung) from a GKV. Care Student provides an M10 confirmation directly, making enrollment straightforward for students over 30." } }, { "@type": "Question", "name": "How much does health insurance for international students in Germany cost?", "acceptedAnswer": { "@type": "Answer", "text": "Statutory health insurance (GKV) with DAK-Gesundheit starts at approximately 135.52 €/month (Garantietarif 120) for students under 30. Private alternatives start from €27.50/month (Care College, ages up to 29 Basic) or 101.54 €/month (Care Student ages 12–29 with M10 included)." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health-insurance proof does a German university need for enrolment?", "text": "What health-insurance proof does a German university need for enrolment?", "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": "German universities require an M10 electronic notification from a recognised insurer. Under 30, DAK-Studenten (~€135.52/month) sends the M10 automatically; over 30 or with a § 8 SGB V exemption, Care Student (€101.54/month) does the same.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 is the M10 notification for university enrolment in Germany?", "text": "What is the M10 notification for university enrolment 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": "M10 is the electronic protocol under § 199a SGB V. The recognised insurer transmits your insurance status directly to the university within minutes — DAK-Studenten does this for GKV members, Care Student for the private GKV-equivalent tariff.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 paper proof of insurance for enrolment in Germany?", "text": "Do I need paper proof of insurance for enrolment 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": "No — since 2022 all German universities rely on the electronic M10 protocol instead of paper certificates. You give your matriculation number to DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) and the confirmation arrives at the university automatically.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 if the M10 confirmation is missing on the enrolment deadline in Germany?", "text": "What if the M10 confirmation is missing on the enrolment deadline 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": "Contact your insurer with the university's Betriebsnummer and your matriculation number — DAK re-transmits within 1 working day, Care Student on the same day. Enrolment cannot be finalised without a successful M10, so this step is time-critical.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 Care Student replace DAK for the M10 notification in Germany?", "text": "Can Care Student replace DAK for the M10 notification 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 Student (€101.54/month total: CCS €35 + PVN €58.04 + Pflege €8.50) is a GKV-equivalent tariff under § 8 SGB V and transmits the M10 exactly like DAK-Studenten — used by students over 30 or with a GKV exemption.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 documents do I need for university enrollment insurance in Germany?", "text": "What documents do I need for university enrollment 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": "German universities require either an electronic M10 confirmation from a statutory health insurer (GKV) or an exemption certificate (Befreiungsbescheinigung). Without one of these, enrollment (Immatrikulation) cannot be completed. If you have private or incoming insurance, you need the exemption certificate first.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 I use Care College or Care Student for university enrollment?", "text": "Can I use Care College or Care Student for university enrollment?", "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 and Care Student are private incoming insurance options. For enrollment with Care College, you additionally need an exemption certificate (Befreiungsbescheinigung) from a GKV. Care Student provides an M10 confirmation directly, making enrollment straightforward for students over 30.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 for international students in Germany cost?", "text": "How much does health insurance for international students in Germany cost?", "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": "Statutory health insurance (GKV) with DAK-Gesundheit starts at approximately 135.52 €/month (Garantietarif 120) for students under 30. Private alternatives start from €27.50/month (Care College, ages up to 29 Basic) or 101.54 €/month (Care Student ages 12–29 with M10 included).", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-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 Student (M10-equivalent, over 30 / GKV-exempt) from €101.54/month (up to 5 years) ](/en/insurance-plans/care-student/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. Proof for University Enrolment in Germany # Health Insurance Proof for Enrolment at a German University: M10 Notification, DAK or Care Student - [DAK-Gesundheit: from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (under 30, statutory + M10) - [Care Student: from €101.54/month](/en/insurance-plans/care-student/overview/) (30+/GKV-exempt, GKV-equivalent) - [Care College: from €27.50/month](/en/insurance-plans/care-college/overview/) (preparatory bridge, language course) Sources: § 199a SGB V (M10) · § 5 Abs. 1 Nr. 9 SGB V · § 257 SGB V · DAK-Gesundheit · HanseMerkur AVB **Since 2022 every German university only completes enrolment after it receives the electronic M10 notification (Meldegrund 10) from your health insurer — paper certificates, scans and travel insurance are no longer accepted (§ 199a SGB V).** The routing depends on your age and GKV status: [DAK-Studenten](/en/insurance-plans/dak-gesundheit/overview/) for students under 30 (DAK files M10 electronically with the university), or [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) for over-30, GKV-exempt students or PhDs outside the standard window — Care Concept issues an M10-equivalent GKV-gleichwertig certificate accepted by every German university. If you are not yet immatriculated (Sprachkurs, Studienkolleg or language school), the M10 system does not yet apply — use [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/) for both the visa and the school. Switch to DAK or Care Student on the day the university confirms the study place. For the embassy phase before arrival, [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) bridges the visa-and-arrival window. Below: how M10 works under § 199a SGB V, the under-30 vs. over-30 / GKV-exempt routing decision, what counts as "GKV-gleichwertig" under § 257 SGB V, the pre-enrolment (Care College) bridge, the most common reasons enrolment files are rejected and the full Care Student price table. 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** Sources§ 199a SGB V (M10 electronic notification) · § 5 Abs. 1 Nr. 9 SGB V (mandatory student insurance) · § 257 SGB V (GKV-gleichwertig) · DAK-Gesundheit · HanseMerkur Care Student AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## University place confirmed? Get the M10-equivalent enrolment proof in 5 minutes. [Care Student (over 30 / GKV-exempt, M10-equivalent) from €101.54/month (up to 5 years) ](/en/insurance-plans/care-student/overview/)[Care College (Sprachkurs / Studienkolleg) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/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 - German universities only complete enrolment after they receive the electronic M10 notification (Meldegrund 10) from your health insurer — paper certificates and travel insurance are not accepted. The system is fully digital and mandatory under § 199a SGB V. - Routing by age and exemption: under 30 → DAK-Studenten (statutory, ~€135.52/month with Garantietarif 120, otherwise ~€145.52/month, M10 filed electronically by DAK); over 30 / formally GKV-exempt / PhD outside the standard window → Care Student (€101.54/month total, M10-equivalent GKV-gleichwertig certificate). - Pre-enrolment phases (Sprachkurs, Studienkolleg, language school) are NOT yet university enrolment — use Care College (from €27.50/month up to age 29 and from €33.50/month for age 30+, Basic months 1–24). Switch to DAK or Care Student on the day the university confirms the study place. Key facts at a glance Reviewed September 9, 2026 - **M10 is mandatory and fully electronic since 2022:** Universities only complete enrolment after they receive the M10 (Meldegrund 10) electronic notification from the health insurer (§ 199a SGB V). Paper certificates, PDF scans and travel insurance are not accepted. (Source: § 199a SGB V · DAK-Gesundheit). - **Under 30 → DAK-Studenten (statutory, ~€135.52/month):** Mandatory GKV student insurance under § 5 Abs. 1 Nr. 9 SGB V for students under 30. DAK files the M10 notification directly with the university. The Garantietarif 120 saves €120/year on the premium (~€135.52/month with Garantietarif, otherwise ~€145.52/month). (Source: § 5 Abs. 1 Nr. 9 SGB V · DAK-Gesundheit). - **Over 30 / GKV-exempt → Care Student (€101.54/month total):** CCS €35 + PVN €58.04 + Pflege €8.50 = €101.54/month total. GKV-gleichwertig under § 257 SGB V, accepted for enrolment up to 60 months. Care Concept issues the M10-equivalent certificate within 24 hours. (Source: § 257 SGB V · HanseMerkur Care Student AVB). - **Pre-enrolment (Sprachkurs / Studienkolleg) → Care College from €27.50/month:** M10 does not apply before immatriculation. Care College covers the visa and the language-school enrolment (up to age 29: €27.50/month; 30+: from €33.50/month Basic, up to €99/month Premium 25+ Mo). Switch to DAK or Care Student on the day the university confirms the study place. (Source: HanseMerkur Care College AVB). ## Four reasons the university blocks the enrolment file **Quick answer:** "Why has my enrolment not been completed yet?" — most blocked files share one of four issues: travel insurance instead of statutory or GKV-gleichwertig cover; the insurer has not yet filed the M10 notification (typical with foreign or non-recognised insurers); the wrong tariff for the age (DAK only insures under 30 as a student); or the student is still in Sprachkurs and therefore not yet eligible for M10. ## 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 a missing M10 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. ## Semester start fixed — file M10 before the deadline ## 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 M10 confirmation — in 3 steps 10 minutes online. Care Student / DAK-Studenten files the M10 (or M10-equivalent GKV-gleichwertig) notification electronically with the university — typically within 24 hours. Enrolment is then completed automatically by the registrar. ## 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 students say about Care Student for M10 enrolment proof at German universities 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/) ## Recommended tariffs by age and study phase 🎯 Standard · over 30 / GKV-exempt / PhD ### Care Student from €101.54 / month (coverage up to 5 years) For international students in Germany: bachelor's, master's, doctoral studies & eligible university enrollment cases - Accepted for university enrollment – electronic M10 notification - Health insurance + mandatory long-term care insurance from €101.54/month - Save at least €50/month compared with statutory student health insurance - For bachelor's, master's, doctoral studies & eligible university enrollment flows - Private-patient status: free choice of doctor, often faster appointments - Doctor, hospital, prescription medication & dental treatment coverage - Support with exemption from statutory health insurance - Recognized by universities and immigration authorities - Coverage term up to 5 years · entry age 12–39 - Reputable insurance carrier Why Care Student? For international students in Germany who need private health insurance for enrollment, M10 notification and proof of coverage for authorities — with strong benefits and potential savings compared with statutory health insurance. Why a 5-year coverage term? More planning security during your studies: less renewal stress and a lower risk of a coverage gap during a bachelor's, master's, doctoral program or eligible university enrollment case. - 🏛️ HanseMerkur Insurance AG - 📄 M10 notification + proof for universities & immigration authorities - 🔒 Doctor, clinic, dental treatment & prescription medication - 🏷️ From €101.54 / month · coverage up to 5 years [Care Student – Quick Overview](/en/insurance-plans/care-student/plan-details/) [Apply online now](/en/insurance-plans/care-student/apply/) → Complete the application, secure your M10 notification, prepare for enrollment 🛟 Sprachkurs / Studienkolleg (pre-enrolment) ### 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 Students under 30 typically belong in statutory GKV (DAK-Studenten, ~€135.52/month with Garantietarif 120) — see the [foreign-students hub](/en/health-insurance-foreign-students-germany/) for the full DAK / Care Student / Care College comparison and the embassy bridge via [Care Visa Protect from €0.85/day](/en/insurance-plans/care-visa-protect/overview/). ## Full price tables — all brackets by age & duration **Quick answer:** The recognised student-route tariffs cover the full timeline: DAK-Gesundheit (~€135.52/month with Garantietarif 120) for under-30s from immatriculation; Care Student (€101.54/month) for over-30s, GKV-exempt students and PhD candidates; and Care College (from €27.50/month) for the language-course or Studienkolleg phase before the M10 is filed. ### Care Student — GKV-equivalent (post-immatriculation) All-in: CCS health €35 + PVN supplement €58.04 + Pflegeversicherung €8.50 — €101.54/month. Standard tariff for students over 30, GKV-exempt students and PhD candidates: Care Student Health insurance for students Compulsory long-term care for students Total 12–29 years 69,62 € / month 31,92 € / month 101,54 € / month 30–39 years 95,68 € / month 31,92 € / month 127,60 € / month All prices per month/person in euros. Health insurance deductible: €300 per calendar year. Entry age 12–39, term up to 60 months. Premium guarantee for the full term. As of 2026. [Care Student — Overview](/en/insurance-plans/care-student/overview/) [Apply now](/en/insurance-plans/care-student/overview/) ### DAK-Gesundheit — three statutory student tariffs All three GKV variants include automatic M10 notification to the university — they only take effect from immatriculation: 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/) ### Care College — pre-enrolment tariff (Sprachkurs / Studienkolleg) Before the M10 can be filed: Care College from €27.50/month (up to age 29) and €33.50–99/month for ages 30+: 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/) Sources: DAK-Gesundheit contribution statement 2025, Care Concept AG tariff tables 2024/25, HanseMerkur AVB. The exact price is calculated in the online application. [Care Student overview](/en/insurance-plans/care-student/overview/) [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/)[Care College overview](/en/insurance-plans/care-college/overview/) ## Frequently Asked Questions What health-insurance proof does a German university need for enrolment? German universities require an M10 electronic notification from a recognised insurer. Under 30, DAK-Studenten (~€135.52/month) sends the M10 automatically; over 30 or with a § 8 SGB V exemption, Care Student (€101.54/month) does the same. What is the M10 notification for university enrolment in Germany? M10 is the electronic protocol under § 199a SGB V. The recognised insurer transmits your insurance status directly to the university within minutes — DAK-Studenten does this for GKV members, Care Student for the private GKV-equivalent tariff. Do I need paper proof of insurance for enrolment in Germany? No — since 2022 all German universities rely on the electronic M10 protocol instead of paper certificates. You give your matriculation number to DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) and the confirmation arrives at the university automatically. What if the M10 confirmation is missing on the enrolment deadline in Germany? Contact your insurer with the university's Betriebsnummer and your matriculation number — DAK re-transmits within 1 working day, Care Student on the same day. Enrolment cannot be finalised without a successful M10, so this step is time-critical. Can Care Student replace DAK for the M10 notification in Germany? Care Student (€101.54/month total: CCS €35 + PVN €58.04 + Pflege €8.50) is a GKV-equivalent tariff under § 8 SGB V and transmits the M10 exactly like DAK-Studenten — used by students over 30 or with a GKV exemption. What documents do I need for university enrollment insurance in Germany? German universities require either an electronic M10 confirmation from a statutory health insurer (GKV) or an exemption certificate (Befreiungsbescheinigung). Without one of these, enrollment (Immatrikulation) cannot be completed. If you have private or incoming insurance, you need the exemption certificate first. Can I use Care College or Care Student for university enrollment? Care College and Care Student are private incoming insurance options. For enrollment with Care College, you additionally need an exemption certificate (Befreiungsbescheinigung) from a GKV. Care Student provides an M10 confirmation directly, making enrollment straightforward for students over 30. How much does health insurance for international students in Germany cost? Statutory health insurance (GKV) with DAK-Gesundheit starts at approximately 135.52 €/month (Garantietarif 120) for students under 30. Private alternatives start from €27.50/month (Care College, ages up to 29 Basic) or 101.54 €/month (Care Student ages 12–29 with M10 included). [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.