--- title: "From €101.54/mo · Insurance Rejected? 5-Step Checklist DE" description: "Insurance certificate rejected by the German university or Ausländerbehörde? 5-step checklist: M10 vs PDF, GKV exemption, €30,000 minimum cover. DAK from ~€135.52/mo (M10 automatic), Care Student €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", "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": "Insurance Rejected by the German University or Ausländerbehörde? The 5-Step Checklist", "description": "Insurance certificate rejected by the German university or Ausländerbehörde? 5-step checklist: M10 vs PDF, GKV exemption, €30,000 minimum cover. DAK from ~€135.52/mo (M10 automatic), Care Student €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": "2026-09-04", "dateModified": "2026-09-01", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-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": "Insurance Rejected — Checklist for Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-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": "What if a German university rejects a student's health-insurance proof?", "acceptedAnswer": { "@type": "Answer", "text": "Ask the insurer to re-send the M10 electronic notification within 24 hours. DAK-Studenten (~€135.52/month) and Care Student (€101.54/month) both re-transmit on request — enrolment cannot proceed until the university confirms receipt via the § 199a SGB V protocol." } }, { "@type": "Question", "name": "Why does the Ausländerbehörde reject Care Visa Protect for a student residence permit in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect is a Schengen short-stay tariff (max 92 days). For a student residence permit under § 16b AufenthG the recognised tariffs are Care College (from €27.50/month, pre-enrolment), DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) — all provide long-term proofs." } }, { "@type": "Question", "name": "Which insurance mistakes typically cause student visa rejection in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Common issues: cover under 12 months, missing repatriation, deductible over €300/year, missing M10 for enrolment. The recognised safe combination is Care Visa Protect (from €0.85/day) for the visa file plus Care College (€27.50/month) or DAK-Studenten (~€135.52/month) from arrival." } }, { "@type": "Question", "name": "Does the German embassy require 12-month insurance for a student visa?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — for the D visa under § 6 (3) AufenthG the embassy typically requires cover for the whole first residence-permit period, usually 12 months. Care College (from €27.50/month, 1–60 months) or DAK-Studenten (~€135.52/month) meet this requirement." } }, { "@type": "Question", "name": "How can I fix a rejected insurance proof for a German student visa?", "acceptedAnswer": { "@type": "Answer", "text": "Rebook a recognised long-term tariff same day — Care College from €27.50/month has instant PDF issue; DAK-Studenten (~€135.52/month) sends the M10 on demand. Upload the new certificate to the embassy portal or bring it to the follow-up appointment within the deadline." } }, { "@type": "Question", "name": "What is the difference between the university and immigration office requirements?", "acceptedAnswer": { "@type": "Answer", "text": "The university (Hochschule) checks your formal insurance status for enrolment — they need an M10 notification or a GKV exemption certificate. The immigration office (Ausländerbehörde) checks whether your insurance adequately covers your stay purpose with at least €30,000 minimum coverage. Both may reject different types of certificates for different reasons." } }, { "@type": "Question", "name": "Can I enrol at a German university with a private incoming insurance like Care College?", "acceptedAnswer": { "@type": "Answer", "text": "Not directly — you also need a GKV exemption certificate (Befreiungsbescheinigung). For a simpler route, Care Student from €101.54/month is recognised as GKV-equivalent under § 8 SGB V and provides the M10 notification automatically — no separate exemption needed." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What if a German university rejects a student's health-insurance proof?", "text": "What if a German university rejects a student's health-insurance proof?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Ask the insurer to re-send the M10 electronic notification within 24 hours. DAK-Studenten (~€135.52/month) and Care Student (€101.54/month) both re-transmit on request — enrolment cannot proceed until the university confirms receipt via the § 199a SGB V protocol.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Why does the Ausländerbehörde reject Care Visa Protect for a student residence permit in Germany?", "text": "Why does the Ausländerbehörde reject Care Visa Protect for a student residence permit in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect is a Schengen short-stay tariff (max 92 days). For a student residence permit under § 16b AufenthG the recognised tariffs are Care College (from €27.50/month, pre-enrolment), DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) — all provide long-term proofs.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance mistakes typically cause student visa rejection in Germany?", "text": "Which insurance mistakes typically cause student visa rejection in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Common issues: cover under 12 months, missing repatriation, deductible over €300/year, missing M10 for enrolment. The recognised safe combination is Care Visa Protect (from €0.85/day) for the visa file plus Care College (€27.50/month) or DAK-Studenten (~€135.52/month) from arrival.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the German embassy require 12-month insurance for a student visa?", "text": "Does the German embassy require 12-month insurance for a student visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — for the D visa under § 6 (3) AufenthG the embassy typically requires cover for the whole first residence-permit period, usually 12 months. Care College (from €27.50/month, 1–60 months) or DAK-Studenten (~€135.52/month) meet this requirement.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How can I fix a rejected insurance proof for a German student visa?", "text": "How can I fix a rejected insurance proof for a German student visa?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Rebook a recognised long-term tariff same day — Care College from €27.50/month has instant PDF issue; DAK-Studenten (~€135.52/month) sends the M10 on demand. Upload the new certificate to the embassy portal or bring it to the follow-up appointment within the deadline.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the difference between the university and immigration office requirements?", "text": "What is the difference between the university and immigration office requirements?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The university (Hochschule) checks your formal insurance status for enrolment — they need an M10 notification or a GKV exemption certificate. The immigration office (Ausländerbehörde) checks whether your insurance adequately covers your stay purpose with at least €30,000 minimum coverage. Both may reject different types of certificates for different reasons.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I enrol at a German university with a private incoming insurance like Care College?", "text": "Can I enrol at a German university with a private incoming insurance like Care College?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Not directly — you also need a GKV exemption certificate (Befreiungsbescheinigung). For a simpler route, Care Student from €101.54/month is recognised as GKV-equivalent under § 8 SGB V and provides the M10 notification automatically — no separate exemption needed.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/rejection-due-to-health-insurance-university-or-authority-checklist-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-01", "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/) [DAK-Gesundheit (M10 filed automatically) ab nur ca. 135,52 € / Monat (unbegrenzt) ](/en/insurance-plans/dak-gesundheit/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. Insurance Rejected — Checklist for Germany # Insurance Rejected by the German University or Ausländerbehörde? The 5-Step Checklist - [DAK-Gesundheit: from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (M10 filed automatically — university accepts directly) - [Care Student: from €101.54/month](/en/insurance-plans/care-student/overview/) (over 30 / PhD / GKV-exempt — GKV-equivalent, M10 PDF) - [Care College: from €27.50/month](/en/insurance-plans/care-college/overview/) (language course / Studienkolleg — GKV exemption required on top) PDF ≠ M10 most common reason 1 working day free corrected proof €30,000 min. Ausländerbehörde rule Sources: § 199a SGB V (M10) · § 8 SGB V (GKV exemption) · § 5 AufenthG (€30,000 minimum cover) · DAK-Gesundheit operations 2025 · HanseMerkur Care Student / Care College AVB **In about 9 out of 10 cases the rejection is caused by the wrong document, not the wrong tariff.** The university (Hochschule) requires either the electronic M10 notification (§ 199a SGB V) from a GKV — usually [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) where M10 is filed automatically — or a GKV exemption certificate (Befreiungsbescheinigung, § 8 SGB V) that allows a private incoming tariff. For over-30 / GKV-exempt / PhD students, [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) is recognised as GKV-equivalent under § 8 SGB V and delivers the M10 as a PDF — usually no separate Befreiungsbescheinigung needed. [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/) is for the language-course / Studienkolleg phase — for university enrolment the GKV exemption is required on top. The full enrolment-proof workflow is in the [M10 enrolment proof guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/). Below: the exact 5-step checklist (written reason → requirement → field check → corrected proof → switch), why a Care College PDF alone is rejected, when the § 8 SGB V exemption is actually irrevocable, the Ausländerbehörde €30,000 minimum-cover rule under § 5 AufenthG, and the full DAK / Care Student / Care College price tables. 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 1, 2026** Sources§ 199a SGB V (M10) · § 8 SGB V (GKV exemption) · § 5 AufenthG (€30,000 minimum cover) · DAK-Gesundheit operations 2025 · HanseMerkur AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Insurance rejected by the German university? Switch to DAK (M10 automatic) in 5 minutes — or stay private with Care Student (GKV-equivalent). [DAK-Gesundheit (M10 filed automatically) ab nur ca. 135,52 € / Monat (unbegrenzt) ](/en/insurance-plans/dak-gesundheit/overview/)[Care Student (over 30 / PhD / GKV-equivalent) from €101.54/month (up to 5 years) ](/en/insurance-plans/care-student/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 - In ~90 % of rejections it is the wrong document, not the wrong tariff. Universities require either the electronic M10 notification (§ 199a SGB V) from a GKV — usually DAK-Gesundheit (~€135.52/month, M10 filed automatically) — OR a GKV exemption certificate (§ 8 SGB V) that allows a private incoming tariff like Care Student (€101.54/month, M10 as PDF included) or Care College (from €27.50/month, GKV exemption needed on top). - 5-step fix: (1) ask for the written rejection reason from the Studierendensekretariat or Ausländerbehörde; (2) check what is required — M10 from GKV or Befreiungsbescheinigung; (3) verify name, date of birth, cover period and €30,000 minimum cover field by field; (4) request a corrected confirmation from the insurer (usually free, within 1 working day by email); (5) only switch tariff if the type itself is not accepted. - Ausländerbehörde additionally checks that the tariff fits the stay purpose (study) and provides ≥ €30,000 minimum cover for the residence permit (§ 5 AufenthG). DAK-Gesundheit and Care Student both meet this threshold automatically; Care College from the Comfort tier on. The § 8 SGB V exemption is irrevocable for the entire study — only sign it when sure. Key facts at a glance Reviewed September 1, 2026 - **Universities require M10 (§ 199a SGB V) — a PDF confirmation alone is not enough:** The Hochschule expects the electronic M10 notification filed by the GKV directly to the university — or a GKV exemption certificate (Befreiungsbescheinigung). DAK-Gesundheit (~€135.52/month) files M10 automatically; Care Student (€101.54/month) delivers the M10 as a PDF under § 8 SGB V GKV-equivalence. (Source: § 199a SGB V · § 8 SGB V · DAK-Gesundheit operations 2025). - **Ausländerbehörde additionally checks €30,000 minimum cover (§ 5 AufenthG):** For the residence permit the immigration office checks that the tariff fits the stay purpose (study) and provides at least €30,000 medical cover. DAK-Gesundheit and Care Student satisfy this automatically; Care College from the Comfort tier upwards. Ausländerbehörde and Hochschule are independent checks — one document can pass one and fail the other. (Source: § 5 AufenthG). - **Corrected certificate: free, usually within 1 working day by email:** The most common rejection reasons are typos (name, date of birth) and a date out of range. Most insurers — DAK-Gesundheit, HanseMerkur — issue a corrected confirmation free of charge by email within one working day. Switch the tariff only if the type itself is not accepted. (Source: DAK-Gesundheit · HanseMerkur operations 2025). - **§ 8 SGB V GKV exemption is irrevocable for the entire study:** If you opt out of the GKV student tariff in favour of a private incoming tariff (Care College or Care Student), the exemption is valid for the entire study and cannot be reversed. Sign it only when sure — for under-30s the statutory student tariff is usually the recommended route once family co-insurance and statutory benefits are factored in. (Source: § 8 SGB V). ## Five typical mistakes that cause a rejection **Quick answer:** "Why was my insurance certificate rejected at the Studierendensekretariat?" — most cases share one of five issues: handing in a Care College PDF without the GKV exemption; a typo or wrong date in the confirmation; a pure travel insurance instead of a study/residence insurance; coverage starting after the first day of the semester; or missing the €30,000 minimum cover required by the Ausländerbehörde. ## 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 unresolved rejection 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 in days? Request the corrected M10 today — usually issued within one working day ## 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. ## Resolve the rejection — in 3 steps 10 minutes online. Ask the Studierendensekretariat or Ausländerbehörde in writing what exactly is missing, request the corrected M10 / Befreiungsbescheinigung from your insurer, and only switch tariff (DAK-Gesundheit or Care Student) if the tariff type itself is not accepted. ## 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 resolving an insurance rejection 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/) ## Tariffs that the German university accepts directly 🎯 M10 filed automatically · under 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 🎓 over 30 / PhD / GKV-equivalent ### 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 For over 30 / GKV-exempt / PhD students see the [age-30 / student tariff guide](/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/); the full M10 workflow is in the [M10 enrolment proof guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/). Compare all 11 tariffs in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — all brackets by age & duration **Quick answer:** The three tariffs that resolve a rejection at the university: DAK-Gesundheit (~€135.52/month) with automatic M10, Care Student (€101.54/month) as the GKV-equivalent private route with M10 PDF, and Care College (€27.50–138/month) for the pre-study phase (GKV exemption required on top). ### DAK-Gesundheit — three statutory student tariffs Garantietarif 120 saves €120/year. M10 notification filed automatically to the university — the simplest route after a rejection: 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 Student — GKV-equivalent (over 30 / GKV-exempt / PhD) Total €101.54/month: CCS €35 + PVN €58.04 + Pflege €8.50. Recognised under § 8 SGB V; delivers the M10 notification as PDF — no separate exemption certificate needed: 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/) ### Care College — language course / Studienkolleg Monthly cancellable; for university enrolment a GKV exemption certificate (Befreiungsbescheinigung) is required on top — otherwise rejected: 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. [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/)[Care Student overview](/en/insurance-plans/care-student/overview/) [Care College (pre-study)](/en/insurance-plans/care-college/overview/) ## Frequently Asked Questions What if a German university rejects a student's health-insurance proof? Ask the insurer to re-send the M10 electronic notification within 24 hours. DAK-Studenten (~€135.52/month) and Care Student (€101.54/month) both re-transmit on request — enrolment cannot proceed until the university confirms receipt via the § 199a SGB V protocol. Why does the Ausländerbehörde reject Care Visa Protect for a student residence permit in Germany? Care Visa Protect is a Schengen short-stay tariff (max 92 days). For a student residence permit under § 16b AufenthG the recognised tariffs are Care College (from €27.50/month, pre-enrolment), DAK-Studenten (~€135.52/month) or Care Student (€101.54/month) — all provide long-term proofs. Which insurance mistakes typically cause student visa rejection in Germany? Common issues: cover under 12 months, missing repatriation, deductible over €300/year, missing M10 for enrolment. The recognised safe combination is Care Visa Protect (from €0.85/day) for the visa file plus Care College (€27.50/month) or DAK-Studenten (~€135.52/month) from arrival. Does the German embassy require 12-month insurance for a student visa? Yes — for the D visa under § 6 (3) AufenthG the embassy typically requires cover for the whole first residence-permit period, usually 12 months. Care College (from €27.50/month, 1–60 months) or DAK-Studenten (~€135.52/month) meet this requirement. How can I fix a rejected insurance proof for a German student visa? Rebook a recognised long-term tariff same day — Care College from €27.50/month has instant PDF issue; DAK-Studenten (~€135.52/month) sends the M10 on demand. Upload the new certificate to the embassy portal or bring it to the follow-up appointment within the deadline. What is the difference between the university and immigration office requirements? The university (Hochschule) checks your formal insurance status for enrolment — they need an M10 notification or a GKV exemption certificate. The immigration office (Ausländerbehörde) checks whether your insurance adequately covers your stay purpose with at least €30,000 minimum coverage. Both may reject different types of certificates for different reasons. Can I enrol at a German university with a private incoming insurance like Care College? Not directly — you also need a GKV exemption certificate (Befreiungsbescheinigung). For a simpler route, [Care Student from €101.54/month](/en/insurance-plans/care-student/overview/) is recognised as GKV-equivalent under § 8 SGB V and provides the M10 notification automatically — no separate exemption needed. [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 1, 2026.