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    Health Insurance for Foreigners in Germany
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    Care Student (M10-equivalent, over 30 / GKV-exempt)from €101.54/month (up to 5 years)

    Health Insurance Proof for Enrolment at a German University: M10 Notification, DAK or Care Student

    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 for students under 30 (DAK files M10 electronically with the university), or Care Student from €101.54/month (up to 5 years) 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) 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) 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

    4.9/5

    Over 10,000 policies issued · Since 2009

    University place confirmed? Get the M10-equivalent enrolment proof in 5 minutes.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing
    4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued

    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. 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. Complete the application

      Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows.

    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 · Since 2009 · Over 10,000 policies issued
    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

    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

    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

    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

    Yunhee

    Australia

    Now choose your plan

    4.9/5 · Since 2009 · Over 10,000 policies issued

    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.

    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
    BestsellerDAK + 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.

    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
    BestsellerComfort
    Premium
    Deductible / yr
    120,–
    Deductible / yr
    0,–
    Deductible / yr
    0,–
    Months 1–24 monthup to 29 yrs (€ / month) 27,50 34,– 48,–
    Months 1–24 monthfrom 30 yrs (€ / month) 33,50 50,– 75,–
    From 25th monthup to 29 yrs (€ / month) 49,50 57,– 73,–
    From 25th monthfrom 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.

    Sources: DAK-Gesundheit contribution statement 2025, Care Concept AG tariff tables 2024/25, HanseMerkur AVB. The exact price is calculated in the online application.

    Frequently Asked Questions

    What is the M10 notification and why does the university need it?

    M10 (Meldegrund 10) is the electronic notification a German health insurer sends to the university confirming that the student is insured. Since 2022 it has been the only accepted format under § 199a SGB V — paper certificates, scans and travel insurance are no longer enough to complete enrolment. DAK files M10 directly with your university; Care Concept issues an M10-equivalent GKV-gleichwertig certificate accepted by every German university.

    Which insurance counts as proof if I am over 30 or formally GKV-exempt?

    GKV (statutory) cover ends at the start of the 15th semester or on the 30th birthday — whichever comes first. After that, or if you are formally exempt from GKV, the recognised proof is Care Student (€101.54/month total: CCS €35 + PVN €58.04 + Pflege €8.50) which is GKV-gleichwertig under § 257 SGB V and accepted by every German university for enrolment up to 60 months.

    I am still in a Sprachkurs / Studienkolleg — can I use the same proof?

    No. As long as you are not yet immatriculated at the university, the M10 system does not apply and DAK / Care Student cannot file the notification. The recognised proof for language schools and Studienkolleg is Care College (from €27.50/month up to age 29 and from €33.50/month for age 30+, Basic months 1–24) — accepted by both the embassy for the visa and the school for enrolment. On the day the university confirms the study place, switch to DAK-Studenten (under 30) or Care Student (over 30 / GKV-exempt).