--- title: "From €27.50/mo · Statutory Insurance Students · Germany 2026" description: "Statutory health insurance for foreign students in Germany: M10 enrollment proof at German universities." 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": 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or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "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": "Why is GKV mandatory for students?", "acceptedAnswer": { "@type": "Answer", "text": "German law (§ 5 SGB V) requires every student under 30 / under the 14th semester to be insured in the statutory system unless explicitly exempted (Befreiung)." } }, { "@type": "Question", "name": "How does GKV registration work for foreign students?", "acceptedAnswer": { "@type": "Answer", "text": "DAK-Gesundheit), apply online, receive the M10 confirmation, send it to the university enrolment office. Choose a fund (e.g. DAK issues the eGK (chip card) within 1–2 weeks." } }, { "@type": "Question", "name": "What happens after I turn 30 or finish the 14th semester?", "acceptedAnswer": { "@type": "Answer", "text": "GKV is no longer mandatory — most students switch to Care Student (€101.54/month, also issues an M10) to continue studying in Germany." } }, { "@type": "Question", "name": "How much does statutory student health insurance cost in 2026?", "acceptedAnswer": { "@type": "Answer", "text": "~€150.65/month (kinderlos 23+) or ~€145.52/month (with child) at DAK — includes €89.09 KV + €35.43 PV (kinderlos) + Zusatzbeitrag. Valid until 30th birthday or 14th semester under § 5(1)(9) SGB V. See /en/insurance-plans/dak-studenten/overview/." } }, { "@type": "Question", "name": "Who qualifies for statutory GKV as a student?", "acceptedAnswer": { "@type": "Answer", "text": "Foreign students under 30 enrolled at a state-recognized German university under § 5(1)(9) SGB V — Bachelor, Master and PhD included. From 30 or 14+ semesters, GKV exemption is mandatory; switch to Care Student on /en/insurance-plans/care-student/overview/." } }, { "@type": "Question", "name": "What does GKV (statutory health insurance) cost for international students?", "acceptedAnswer": { "@type": "Answer", "text": "The GKV student tariff costs approximately €145/month including long-term care insurance. The DAK-Gesundheit Garantietarif 120 refunds €120/year if you don't file any claims. Students over 30 lose access to the student tariff — Care Student (€101.54/month) is the typical alternative, recognized as GKV-equivalent for enrollment. The insurance certificate (M10) is mandatory for university enrollment." } }, { "@type": "Question", "name": "Can I switch from private insurance to GKV as a student in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No. If you opted out of GKV (Befreiung), the decision is irrevocable for your entire studies — you cannot change your insurance coverage back to the public system until you start employment after graduation. This is why the GKV opt-out decision for your health insurance should be made very carefully." } }, { "@type": "Question", "name": "Is the M10 certificate mandatory for university enrollment in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Every German university requires either the M10 enrollment certificate (GKV membership confirmation) or a GKV exemption certificate as proof of insurance before enrollment. Without this insurance document, your study place cannot be confirmed — regardless of your admission letter." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Why is GKV mandatory for students?", "text": "Why is GKV mandatory for students?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "German law (§ 5 SGB V) requires every student under 30 / under the 14th semester to be insured in the statutory system unless explicitly exempted (Befreiung).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How does GKV registration work for foreign students?", "text": "How does GKV registration work for foreign students?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "DAK-Gesundheit), apply online, receive the M10 confirmation, send it to the university enrolment office. Choose a fund (e.g. DAK issues the eGK (chip card) within 1–2 weeks.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens after I turn 30 or finish the 14th semester?", "text": "What happens after I turn 30 or finish the 14th semester?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "GKV is no longer mandatory — most students switch to Care Student (€101.54/month, also issues an M10) to continue studying in Germany.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does statutory student health insurance cost in 2026?", "text": "How much does statutory student health insurance cost in 2026?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "~€150.65/month (kinderlos 23+) or ~€145.52/month (with child) at DAK — includes €89.09 KV + €35.43 PV (kinderlos) + Zusatzbeitrag. Valid until 30th birthday or 14th semester under § 5(1)(9) SGB V. See /en/insurance-plans/dak-studenten/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Who qualifies for statutory GKV as a student?", "text": "Who qualifies for statutory GKV as a student?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Foreign students under 30 enrolled at a state-recognized German university under § 5(1)(9) SGB V — Bachelor, Master and PhD included. From 30 or 14+ semesters, GKV exemption is mandatory; switch to Care Student on /en/insurance-plans/care-student/overview/.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What does GKV (statutory health insurance) cost for international students?", "text": "What does GKV (statutory health insurance) cost for international students?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The GKV student tariff costs approximately €145/month including long-term care insurance. The DAK-Gesundheit Garantietarif 120 refunds €120/year if you don't file any claims. Students over 30 lose access to the student tariff — Care Student (€101.54/month) is the typical alternative, recognized as GKV-equivalent for enrollment. The insurance certificate (M10) is mandatory for university enrollment.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I switch from private insurance to GKV as a student in Germany?", "text": "Can I switch from private insurance to GKV as a student in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No. If you opted out of GKV (Befreiung), the decision is irrevocable for your entire studies — you cannot change your insurance coverage back to the public system until you start employment after graduation. This is why the GKV opt-out decision for your health insurance should be made very carefully.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is the M10 certificate mandatory for university enrollment in Germany?", "text": "Is the M10 certificate mandatory for university enrollment in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Every German university requires either the M10 enrollment certificate (GKV membership confirmation) or a GKV exemption certificate as proof of insurance before enrollment. Without this insurance document, your study place cannot be confirmed — regardless of your admission letter.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-germany/statutory-health-insurance-foreign-students-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-05", "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 from €135.52/month (open-ended) ](/en/insurance-plans/dak-gesundheit/overview/) 1. [Home](/en/) 2. [Foreign Students in Germany](/en/health-insurance-foreign-students-germany/) 3. Public Insurance for Foreign Students in Germany # Statutory Health Insurance for Foreign Students in Germany - [DAK-Gesundheit: from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (statutory GKV + M10, under 30) - [Care Student: from €101.54/month](/en/insurance-plans/care-student/overview/) (private GKV-equivalent, 30+/exempt) - [Care College: from €27.50/month](/en/insurance-plans/care-college/overview/) (preparatory phase, before immatriculation) Sources: § 5 Abs. 1 Nr. 9 SGB V (statutory student insurance) · § 8 SGB V (GKV exemption / Befreiung) · § 10 SGB V (free family insurance) · M10 electronic notification (DVKA) · DAK-Gesundheit · HanseMerkur Krankenversicherung AG **Statutory health insurance (GKV) is mandatory for every foreign student enrolled at a German university — until age 30 or the end of the 14th study semester, whichever comes first.** The legal basis is § 5 Abs. 1 Nr. 9 SGB V; the registrar's office (Studierendensekretariat) does not complete matriculation without an electronic M10 notification from a recognised GKV fund. The most popular GKV fund among international students is [DAK-Gesundheit from approx. €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (with-kid bracket €145.52, childless from age 23 €150.65 — includes long-term care insurance / Pflegeversicherung). Above age 30, beyond the 14th semester, or with an active § 8 SGB V exemption, [Care Student at €101.54/month](/en/insurance-plans/care-student/overview/) is the GKV-equivalent recognised tariff. Below: how the M10 e-notification flows from GKV to your university, the four GKV student-status criteria, free Familienversicherung under § 10 SGB V, the eGK chip card, and the clean transition from DAK to Care Student when the GKV mandate ends. 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 5, 2026** Sources§ 5 Abs. 1 Nr. 9 SGB V · § 8 SGB V · § 10 SGB V · DVKA M10 specification · DAK-Gesundheit · HanseMerkur Krankenversicherung AG, Hamburg · Care Concept AG 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Matriculation booked? Pick the recognised statutory student tariff for the M10 e-notification. [DAK-Gesundheit from €135.52/month (open-ended) ](/en/insurance-plans/dak-gesundheit/overview/)[Care Student (30+) 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 - GKV is mandatory for foreign students under 30 / under the 14th semester at a German university. - DAK-Gesundheit is the most popular choice — €145.52/month with M10 e-notification & free Family Insurance. - After 30 / 14 semesters: switch to Care Student (private equivalent, €101.54/month total). Key facts at a glance Reviewed September 5, 2026 - **GKV mandate (under 30 / under 14th semester):** Statutory student insurance is mandatory under § 5 Abs. 1 Nr. 9 SGB V — DAK-Gesundheit from approx. €135.52/month, with-kid bracket €145.52/month, childless from age 23 €150.65/month. Pflegeversicherung included. (Source: § 5 Abs. 1 Nr. 9 SGB V · DAK-Gesundheit). - **Free Familienversicherung (§ 10 SGB V):** Spouses and children with limited income (≤ €535/month, 2025 threshold) are co-insured at no additional cost — a key GKV advantage over private Incoming policies. (Source: § 10 SGB V (Familienversicherung)). - **Over 30 / past 14 semesters / § 8 exemption:** GKV mandate ends — switch to Care Student at €101.54/month all-in (CCS health + PVN supplement + €8.50 Pflegeversicherung). Same M10 e-notification, accepted by every German university. (Source: § 8 SGB V · HanseMerkur AVB). - **M10 electronic notification:** Both DAK-Gesundheit and Care Student transmit the M10 confirmation digitally to the university registrar — no paper certificate, no translation step. Issued instantly so matriculation is not delayed. (Source: DVKA / M10 specification). ## Four mistakes that block GKV registration for foreign students **Quick answer:** "Why was my GKV registration rejected?" — most international students stumble on one of four points: tried to register during the language-course or Studienkolleg phase (GKV opens only with matriculation), ignored the age-30 / 14-semester cut-off and missed the switch to Care Student, used a private travel policy that the registrar does not accept, or filed a § 8 SGB V exemption irreversibly without realising it cannot be undone for the rest of the studies. ## 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 happens if the M10 confirmation is missing on enrolment day ## 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. 🇪🇺 €30,000 minimum Schengen proof must be clear Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits. - 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. ## Matriculation deadlines are fixed — secure the M10 e-notification first ## Why act before the embassy appointment Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits. 📅 Appointments can be limited If the proof is missing or unsuitable, preparing corrected documents can cost valuable time. ⚡ PDF certificate after application Care Visa Protect provides the certificate by email after successful online application. 🛡️ €30,000 minimum coverage Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area. 💶 From €0.85/day Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip. ## From GKV application to M10 confirmation — in 3 steps 10 minutes online with DAK-Gesundheit. M10 e-notification transmitted directly to the German university registrar; eGK chip card by post within 1–2 weeks. PDF certificate by email for the Ausländerbehörde residence-permit appointment. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What international students say about GKV (DAK-Gesundheit) and the M10 enrollment notification 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 GKV-equivalent student tariffs 🎓 GKV · under 30 / 14 sem. ### 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 🛡️ Private · 30+ / exempt ### 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 Still in language preparation or Studienkolleg before matriculation? GKV is not yet open — [Care College from €27.50/month (up to age 29) or €33.50/month (age 30+)](/en/insurance-plans/care-college/overview/) is the standard recognised tariff before the GKV mandate kicks in at university enrolment. See the [international-student tariff overview](/en/health-insurance-foreign-students-germany/health-insurance-for-international-students-germany/), [language-school health insurance](/en/health-insurance-foreign-students-germany/health-insurance-language-school-germany/), [Studienkolleg health insurance](/en/health-insurance-foreign-students-germany/preparatory-college-health-insurance-germany/), the broader [foreign-student health-insurance hub](/en/health-insurance-foreign-students-germany/), or add a [blocked account from €4.90/month](/en/blocked-account-visa-germany/) for the visa funds proof. ## DAK-Gesundheit — full GKV student rates by age & family status **Quick answer:** DAK-Gesundheit student insurance starts at approx. €135.52/month (with-kid bracket €145.52/month, childless from age 23 €150.65/month). The premium already includes long-term care insurance (Pflegeversicherung) and is the statutory student tariff under § 5 Abs. 1 Nr. 9 SGB V. 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 — €101.54/month after the GKV mandate ends **Quick answer:** Care Student costs €101.54/month all-in: CCS health (€35) plus PVN supplement (€58.04) plus Pflegeversicherung (€8.50). It is the GKV-equivalent recognised tariff for ages 12–39 — used by students over 30, beyond the 14th semester, or with a § 8 SGB V exemption. 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/) ## Frequently asked questions about statutory health insurance for foreign students ## Frequently Asked Questions Why is GKV mandatory for students? German law (§ 5 SGB V) requires every student under 30 / under the 14th semester to be insured in the statutory system unless explicitly exempted (Befreiung). How does GKV registration work for foreign students? DAK-Gesundheit), apply online, receive the M10 confirmation, send it to the university enrolment office. Choose a fund (e.g. DAK issues the eGK (chip card) within 1–2 weeks. What happens after I turn 30 or finish the 14th semester? GKV is no longer mandatory — most students switch to Care Student (€101.54/month, also issues an M10) to continue studying in Germany. How much does statutory student health insurance cost in 2026? ~€150.65/month (kinderlos 23+) or ~€145.52/month (with child) at DAK — includes €89.09 KV + €35.43 PV (kinderlos) + Zusatzbeitrag. Valid until 30th birthday or 14th semester under § 5(1)(9) SGB V. See /en/insurance-plans/dak-studenten/overview/. Who qualifies for statutory GKV as a student? Foreign students under 30 enrolled at a state-recognized German university under § 5(1)(9) SGB V — Bachelor, Master and PhD included. From 30 or 14+ semesters, GKV exemption is mandatory; switch to Care Student on /en/insurance-plans/care-student/overview/. What does GKV (statutory health insurance) cost for international students? The GKV student tariff costs approximately €145/month including long-term care insurance. The DAK-Gesundheit Garantietarif 120 refunds €120/year if you don't file any claims. Students over 30 lose access to the student tariff — [Care Student (€101.54/month)](/en/insurance-plans/care-student/overview/) is the typical alternative, recognized as GKV-equivalent for enrollment. The insurance certificate (M10) is mandatory for university enrollment. Can I switch from private insurance to GKV as a student in Germany? No. If you opted out of GKV (Befreiung), the decision is irrevocable for your entire studies — you cannot change your insurance coverage back to the public system until you start employment after graduation. This is why the GKV opt-out decision for your health insurance should be made very carefully. Is the M10 certificate mandatory for university enrollment in Germany? Yes. Every German university requires either the M10 enrollment certificate (GKV membership confirmation) or a GKV exemption certificate as proof of insurance before enrollment. Without this insurance document, your study place cannot be confirmed — regardless of your admission letter. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Matriculation date booked? Lock in the recognised GKV / Care Student tariff for the M10 confirmation. [DAK-Gesundheit from €135.52/month (open-ended) ](/en/insurance-plans/dak-gesundheit/overview/)[Care Student (30+) 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 [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 5, 2026.