--- title: "From €27.50/mo · Foreign Student Insurance Germany 2026" description: "Health insurance for foreign / international students in Germany: GKV vs PKV, DAK under-30s, Care Student over-30, Care College from €27.50/mo, M10 enrollment proof." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health Insurance for Foreign Students in Germany – from €27.50/month", "description": "Health insurance for foreign / international students in Germany: GKV vs PKV, DAK under-30s, Care Student over-30, Care College from €27.50/mo, M10 enrollment proof.", "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": "2026-09-06", "dateModified": "2026-09-03", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [ { "@type": "Thing", "name": "Health insurance for international students in Germany" }, { "@type": "Thing", "name": "Statutory health insurance (GKV)" }, { "@type": "Thing", "name": "Private health insurance (PKV)" }, { "@type": "Thing", "name": "M10 electronic enrollment notification" }, { "@type": "Thing", "name": "Student visa Germany" }, { "@type": "Thing", "name": "Studienkolleg" }, { "@type": "Thing", "name": "EHIC for EU students" } ], "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" } ], "timeRequired": "PT9M", "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "HowTo", "name": "How to get health insurance as a foreign student in Germany", "description": "Which policy path fits which student profile — statutory DAK for under-30s, Care Student for exempt/PhD cases, Care College during the language/preparatory phase.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Identify your study phase", "text": "Determine whether you are in a language course, Studienkolleg, degree programme, or PhD — each phase has a different recognised insurance." }, { "@type": "HowToStep", "position": 2, "name": "Under 30 in a degree programme", "text": "Enroll in DAK-Gesundheit statutory student insurance (~€135.52/month with child, €150.65 childless 23+)." }, { "@type": "HowToStep", "position": 3, "name": "Over 30 or PhD or GKV-exempt", "text": "Take Care Student (€101.54/month all-in) — recognised as GKV-equivalent for matriculation via the M10 notification." }, { "@type": "HowToStep", "position": 4, "name": "Language course or Studienkolleg", "text": "Choose Care College (from €27.50/month, ages under 30) — accepted for visa and residence permit during the preparatory phase." }, { "@type": "HowToStep", "position": 5, "name": "Send the M10 notification", "text": "Have the insurer send the M10 electronic notification to the university so you can matriculate without proving statutory membership manually." } ], "totalTime": "PT1H", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Health insurance for international students in Germany", "GKV vs PKV for foreign students", "M10 electronic enrollment notification", "Student visa and residence permit insurance", "Studienkolleg and language course insurance", "DAK-Gesundheit student tariff", "Care College, Care Student, Care Au-Pair", "Sperrkonto / blocked account for German students", "Pflegeversicherung and Zusatzbeitrag" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, { "@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": "Foreign Students in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Ready for university enrollment in 3 steps", "description": "DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your student plan", "text": "DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Which insurance is mandatory for foreign students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Under-30 university students must join statutory GKV (typically DAK-Gesundheit), which sends the M10 enrollment notification. Students over 30 or formally exempt from GKV use Care Student, recognised by universities as GKV-equivalent. Language-school, Studienkolleg and DSH-prep students use Care College for the visa and course — they are not yet eligible for university M10." } }, { "@type": "Question", "name": "How much is German student health insurance per month?", "acceptedAnswer": { "@type": "Answer", "text": "DAK student GKV is around €145–€150/month. Care College starts at €27.50/month for ages up to 29; Care Student is €101.54/month including pension/care contributions." } }, { "@type": "Question", "name": "Is Care College accepted for university enrollment?", "acceptedAnswer": { "@type": "Answer", "text": "For university enrollment German universities require either statutory GKV with the M10 notification (DAK-Gesundheit) or, for over-30/GKV-exempt students, a GKV-equivalent route such as Care Student. No — Care College is a private Incoming insurance for language schools, Studienkolleg and DSH preparation (visa and residence permit). Au-pairs use the dedicated Care Au-Pair tariff instead." } }, { "@type": "Question", "name": "Can EU students use the EHIC in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "EU students typically register with a German GKV (DAK, TK, Barmer or AOK) so the M10 notification can be sent electronically to the matriculation office. Usually yes for short visits, but for full degree enrollment most German universities still ask for a German Versicherungsbescheinigung." } }, { "@type": "Question", "name": "Do language course students need private insurance?", "acceptedAnswer": { "@type": "Answer", "text": "PKV premiums start at €58/month (Care Expatriate, age 13–40, § 193 VVG). From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): In most cases yes — language schools and Studienkolleg are not part of the statutory GKV student tariff, so attendees usually take a private Incoming tariff such as Care College (from €27.50/month) for the visa, residence permit and course." } }, { "@type": "Question", "name": "What happens to my insurance after age 30?", "acceptedAnswer": { "@type": "Answer", "text": "Once you turn 30 you typically leave the statutory student GKV tariff. You then either continue voluntarily in GKV at the higher voluntary contribution, or switch to Care Student (€101.54/month) — the GKV-equivalent route most German universities accept for over-30 and PhD students." } }, { "@type": "Question", "name": "Can I switch from private back to public health insurance as a student?", "acceptedAnswer": { "@type": "Answer", "text": "The exemption from compulsory insurance (Befreiung von der Versicherungspflicht under § 8 SGB V) is binding for the whole degree. Usually no during the same study programme. A return to GKV typically only becomes possible after graduation, when you start a regular job below the JVEG income threshold." } }, { "@type": "Question", "name": "Is health insurance free for international students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — health insurance is mandatory for every student under § 5 SGB V and § 5 AufenthG. The cheapest student tariffs start from about €27.50/month (Care College, language / Studienkolleg students) — there is no free option." } }, { "@type": "Question", "name": "Do I need health insurance for the German residence permit?", "acceptedAnswer": { "@type": "Answer", "text": "The Ausländerbehörde requires a valid Versicherungsbescheinigung before issuing or extending the residence permit. Care College, Care Student and DAK-Gesundheit all provide a certificate that is typically accepted." } }, { "@type": "Question", "name": "What is the difference between travel and student health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect) is for short Schengen visits up to 92 days. Travel insurance (e.g. Student health insurance (Care College, Care Student, DAK student GKV) is designed for longer stays of months or years and is what German universities and the Ausländerbehörde expect for the student visa and the residence permit." } }, { "@type": "Question", "name": "What health insurance do Indian students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Indian students starting with a language course or Studienkolleg usually take Care College from €27.50/month for the visa and the preparatory phase. Once enrolled in a Bachelor's or Master's programme under age 30, they typically switch to a statutory German Krankenkasse such as DAK, TK, Barmer or AOK so the M10 electronic notification can be sent to the university. Indian PhD candidates or students over 30 normally use Care Student." } }, { "@type": "Question", "name": "What health insurance do Pakistani students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Pakistani students over 30 or in PhD programmes often use Care Student. Pakistani students are non-EU and need a recognised German Versicherungsbescheinigung for the embassy and the Ausländerbehörde. Care College from €27.50/month is the standard route during a language course or Studienkolleg; once at a German university and under 30 the typical move is to DAK, TK, Barmer or AOK." } }, { "@type": "Question", "name": "What health insurance do Chinese students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Chinese students with an APS-certified admission to a Bachelor's or Master's programme typically join statutory GKV under age 30 (DAK, TK, Barmer or AOK). Before enrollment — for language courses, DSH preparation or Studienkolleg — Care College from €27.50/month is the common Incoming tariff. Chinese PhD candidates and over-30 students normally use Care Student." } }, { "@type": "Question", "name": "What health insurance do Iranian or Egyptian students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Student KV: €101.54/month (Care Student) or €150.65/month (DAK statutory, 2026). From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Iranian and Egyptian students follow the same general framework: Care College for the visa and language / Studienkolleg phase, statutory GKV (DAK, TK, Barmer, AOK) for under-30 university enrollment, and Care Student for over-30, PhD or GKV-exempt students. Final acceptance is decided by the responsible university and the Ausländerbehörde." } }, { "@type": "Question", "name": "What health insurance do PhD or doctoral students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Most use Care Student (from €101.54/month for ages 12–29; €127.60/month for ages 30–39) as a GKV-equivalent route. PhD and doctoral candidates are usually treated as research-status rather than statutory students. PhD candidates employed by the institution typically join voluntary statutory GKV; guest scientists often combine Care Expatriate with their host contract." } }, { "@type": "Question", "name": "What is the cheapest health insurance for international students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For language schools, Studienkolleg and DSH preparation the cheapest recognised tariff is Care College from €27.50/month (up to age 29). For full university enrollment under age 30 the cheapest route is statutory GKV (DAK, TK, Barmer, AOK) at roughly €135–150/month including Pflegeversicherung. Over-30 and GKV-exempt students typically use Care Student from €101.54/month (12–29) or €127.60/month (30–39)." } }, { "@type": "Question", "name": "Can non-EU students get public (statutory) health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — non-EU students enrolled at a German university and under age 30 are normally insured under statutory student GKV (DAK, TK, Barmer or AOK), exactly like German students. The decisive factor is matriculation at a recognised German university, not nationality. Before enrollment (language course, Studienkolleg) statutory GKV is not yet open and a private Incoming tariff such as Care College is used." } }, { "@type": "Question", "name": "Can I apply for German student health insurance before arrival?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. Care College, Care Student and the DAK student plan can all be applied for online from abroad — no German address needed. The Versicherungsbescheinigung PDF is usually issued within minutes by email and is accepted at the German embassy, for the Sperrkonto / blocked account opening and at the Ausländerbehörde residence-permit appointment after arrival." } }, { "@type": "Question", "name": "What is the difference between health insurance and medical insurance for students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): There is no difference. In Germany the legal term is Krankenversicherung — translated as health insurance or medical insurance. Both cover doctor visits, hospital treatment, prescriptions and emergencies. International students typically search for either phrase; the requirement for university enrollment, visa and residence permit is the same." } }, { "@type": "Question", "name": "What is public health insurance for international students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The M10 electronic notification is sent directly to the university. Public health insurance is the German statutory system, gesetzliche Krankenversicherung (GKV). For international students enrolled at a German university and under age 30 it is provided by Krankenkassen such as DAK-Gesundheit (from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120), Techniker Krankenkasse, Barmer or AOK." } }, { "@type": "Question", "name": "Is private health insurance good for international students in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Private health insurance is the right choice for over-30 students, GKV-exempt students, language-course and Studienkolleg attendees and many PhD candidates. Care Student (from €101.54/month for ages 12–29 and €127.60/month for ages 30–39) is GKV-equivalent and can support the electronic enrollment process. Care College (from €27.50/month) covers the visa, residence permit and preparatory phase but is not an M10 product for university enrollment." } }, { "@type": "Question", "name": "What health insurance do Bangladeshi students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care College from €27.50/month is the typical route for language course or Studienkolleg. Bangladeshi students are non-EU and need a German Versicherungsbescheinigung for the visa and the Ausländerbehörde. After matriculation under age 30, statutory GKV (DAK, TK, Barmer, AOK) applies; over-30 or GKV-exempt students normally use Care Student." } }, { "@type": "Question", "name": "What health insurance do Nigerian students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Nigerian students aged 30 or older, PhD candidates and GKV-exempt students typically use Care Student (€127.60/month for ages 30–39). Nigerian students follow the standard non-EU route: Care College from €27.50/month for the visa and language / Studienkolleg phase, then statutory GKV (DAK, TK, Barmer, AOK) once enrolled at a German university under age 30." } }, { "@type": "Question", "name": "What health insurance do Nepalese students need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care College from €27.50/month is the typical pre-enrollment cover; after matriculation under age 30, statutory GKV (DAK, TK, Barmer, AOK) is normally used. Nepalese students need a recognised German insurance certificate for the embassy, the Sperrkonto opening and the residence-permit appointment. Over-30 or exempt students switch to Care Student." } }, { "@type": "Question", "name": "Which student health insurance is cheapest in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For language courses, Studienkolleg and DSH preparation the cheapest recognised tariff is Care College from €27.50/month (up to age 29). For full university enrollment under age 30 the cheapest route is statutory GKV — DAK-Gesundheit from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120 (saves about €10/month). Over-30 students usually pay €127.60/month with Care Student." } }, { "@type": "Question", "name": "Which student health insurance is best for a language course in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "For a German language course or DSH/TestDaF preparation, Care College from €27.50/month is the standard private incoming tariff used for the language-course visa and the residence permit. Statutory GKV is not yet open at this stage because language schools are not part of the statutory student tariff. Once you enrol at a German university and are under 30, you switch to DAK, TK, Barmer or AOK." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which insurance is mandatory for foreign students in Germany?", "text": "Which insurance is mandatory for foreign students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Under-30 university students must join statutory GKV (typically DAK-Gesundheit), which sends the M10 enrollment notification. Students over 30 or formally exempt from GKV use Care Student, recognised by universities as GKV-equivalent. Language-school, Studienkolleg and DSH-prep students use Care College for the visa and course — they are not yet eligible for university M10.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much is German student health insurance per month?", "text": "How much is German student health insurance per month?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "DAK student GKV is around €145–€150/month. Care College starts at €27.50/month for ages up to 29; Care Student is €101.54/month including pension/care contributions.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care College accepted for university enrollment?", "text": "Is Care College accepted for university enrollment?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For university enrollment German universities require either statutory GKV with the M10 notification (DAK-Gesundheit) or, for over-30/GKV-exempt students, a GKV-equivalent route such as Care Student. No — Care College is a private Incoming insurance for language schools, Studienkolleg and DSH preparation (visa and residence permit). Au-pairs use the dedicated Care Au-Pair tariff instead.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can EU students use the EHIC in Germany?", "text": "Can EU students use the EHIC in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "EU students typically register with a German GKV (DAK, TK, Barmer or AOK) so the M10 notification can be sent electronically to the matriculation office. Usually yes for short visits, but for full degree enrollment most German universities still ask for a German Versicherungsbescheinigung.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do language course students need private insurance?", "text": "Do language course students need private insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "PKV premiums start at €58/month (Care Expatriate, age 13–40, § 193 VVG). From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): In most cases yes — language schools and Studienkolleg are not part of the statutory GKV student tariff, so attendees usually take a private Incoming tariff such as Care College (from €27.50/month) for the visa, residence permit and course.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to my insurance after age 30?", "text": "What happens to my insurance after age 30?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Once you turn 30 you typically leave the statutory student GKV tariff. You then either continue voluntarily in GKV at the higher voluntary contribution, or switch to Care Student (€101.54/month) — the GKV-equivalent route most German universities accept for over-30 and PhD students.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I switch from private back to public health insurance as a student?", "text": "Can I switch from private back to public health insurance as a student?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The exemption from compulsory insurance (Befreiung von der Versicherungspflicht under § 8 SGB V) is binding for the whole degree. Usually no during the same study programme. A return to GKV typically only becomes possible after graduation, when you start a regular job below the JVEG income threshold.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is health insurance free for international students in Germany?", "text": "Is health insurance free for international students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — health insurance is mandatory for every student under § 5 SGB V and § 5 AufenthG. The cheapest student tariffs start from about €27.50/month (Care College, language / Studienkolleg students) — there is no free option.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need health insurance for the German residence permit?", "text": "Do I need health insurance for the German residence permit?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The Ausländerbehörde requires a valid Versicherungsbescheinigung before issuing or extending the residence permit. Care College, Care Student and DAK-Gesundheit all provide a certificate that is typically accepted.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the difference between travel and student health insurance?", "text": "What is the difference between travel and student health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Visa Protect) is for short Schengen visits up to 92 days. Travel insurance (e.g. Student health insurance (Care College, Care Student, DAK student GKV) is designed for longer stays of months or years and is what German universities and the Ausländerbehörde expect for the student visa and the residence permit.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Indian students need in Germany?", "text": "What health insurance do Indian students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Indian students starting with a language course or Studienkolleg usually take Care College from €27.50/month for the visa and the preparatory phase. Once enrolled in a Bachelor's or Master's programme under age 30, they typically switch to a statutory German Krankenkasse such as DAK, TK, Barmer or AOK so the M10 electronic notification can be sent to the university. Indian PhD candidates or students over 30 normally use Care Student.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Pakistani students need in Germany?", "text": "What health insurance do Pakistani students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Pakistani students over 30 or in PhD programmes often use Care Student. Pakistani students are non-EU and need a recognised German Versicherungsbescheinigung for the embassy and the Ausländerbehörde. Care College from €27.50/month is the standard route during a language course or Studienkolleg; once at a German university and under 30 the typical move is to DAK, TK, Barmer or AOK.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Chinese students need in Germany?", "text": "What health insurance do Chinese students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Chinese students with an APS-certified admission to a Bachelor's or Master's programme typically join statutory GKV under age 30 (DAK, TK, Barmer or AOK). Before enrollment — for language courses, DSH preparation or Studienkolleg — Care College from €27.50/month is the common Incoming tariff. Chinese PhD candidates and over-30 students normally use Care Student.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Iranian or Egyptian students need in Germany?", "text": "What health insurance do Iranian or Egyptian students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Student KV: €101.54/month (Care Student) or €150.65/month (DAK statutory, 2026). From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Iranian and Egyptian students follow the same general framework: Care College for the visa and language / Studienkolleg phase, statutory GKV (DAK, TK, Barmer, AOK) for under-30 university enrollment, and Care Student for over-30, PhD or GKV-exempt students. Final acceptance is decided by the responsible university and the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do PhD or doctoral students need in Germany?", "text": "What health insurance do PhD or doctoral students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Most use Care Student (from €101.54/month for ages 12–29; €127.60/month for ages 30–39) as a GKV-equivalent route. PhD and doctoral candidates are usually treated as research-status rather than statutory students. PhD candidates employed by the institution typically join voluntary statutory GKV; guest scientists often combine Care Expatriate with their host contract.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the cheapest health insurance for international students in Germany?", "text": "What is the cheapest health insurance for international students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For language schools, Studienkolleg and DSH preparation the cheapest recognised tariff is Care College from €27.50/month (up to age 29). For full university enrollment under age 30 the cheapest route is statutory GKV (DAK, TK, Barmer, AOK) at roughly €135–150/month including Pflegeversicherung. Over-30 and GKV-exempt students typically use Care Student from €101.54/month (12–29) or €127.60/month (30–39).", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can non-EU students get public (statutory) health insurance in Germany?", "text": "Can non-EU students get public (statutory) health insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — non-EU students enrolled at a German university and under age 30 are normally insured under statutory student GKV (DAK, TK, Barmer or AOK), exactly like German students. The decisive factor is matriculation at a recognised German university, not nationality. Before enrollment (language course, Studienkolleg) statutory GKV is not yet open and a private Incoming tariff such as Care College is used.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I apply for German student health insurance before arrival?", "text": "Can I apply for German student health insurance before arrival?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. Care College, Care Student and the DAK student plan can all be applied for online from abroad — no German address needed. The Versicherungsbescheinigung PDF is usually issued within minutes by email and is accepted at the German embassy, for the Sperrkonto / blocked account opening and at the Ausländerbehörde residence-permit appointment after arrival.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is the difference between health insurance and medical insurance for students in Germany?", "text": "What is the difference between health insurance and medical insurance for students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): There is no difference. In Germany the legal term is Krankenversicherung — translated as health insurance or medical insurance. Both cover doctor visits, hospital treatment, prescriptions and emergencies. International students typically search for either phrase; the requirement for university enrollment, visa and residence permit is the same.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What is public health insurance for international students in Germany?", "text": "What is public health insurance for international students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The M10 electronic notification is sent directly to the university. Public health insurance is the German statutory system, gesetzliche Krankenversicherung (GKV). For international students enrolled at a German university and under age 30 it is provided by Krankenkassen such as DAK-Gesundheit (from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120), Techniker Krankenkasse, Barmer or AOK.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is private health insurance good for international students in Germany?", "text": "Is private health insurance good for international students in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Private health insurance is the right choice for over-30 students, GKV-exempt students, language-course and Studienkolleg attendees and many PhD candidates. Care Student (from €101.54/month for ages 12–29 and €127.60/month for ages 30–39) is GKV-equivalent and can support the electronic enrollment process. Care College (from €27.50/month) covers the visa, residence permit and preparatory phase but is not an M10 product for university enrollment.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Bangladeshi students need in Germany?", "text": "What health insurance do Bangladeshi students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care College from €27.50/month is the typical route for language course or Studienkolleg. Bangladeshi students are non-EU and need a German Versicherungsbescheinigung for the visa and the Ausländerbehörde. After matriculation under age 30, statutory GKV (DAK, TK, Barmer, AOK) applies; over-30 or GKV-exempt students normally use Care Student.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Nigerian students need in Germany?", "text": "What health insurance do Nigerian students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Nigerian students aged 30 or older, PhD candidates and GKV-exempt students typically use Care Student (€127.60/month for ages 30–39). Nigerian students follow the standard non-EU route: Care College from €27.50/month for the visa and language / Studienkolleg phase, then statutory GKV (DAK, TK, Barmer, AOK) once enrolled at a German university under age 30.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do Nepalese students need in Germany?", "text": "What health insurance do Nepalese students need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care College from €27.50/month is the typical pre-enrollment cover; after matriculation under age 30, statutory GKV (DAK, TK, Barmer, AOK) is normally used. Nepalese students need a recognised German insurance certificate for the embassy, the Sperrkonto opening and the residence-permit appointment. Over-30 or exempt students switch to Care Student.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which student health insurance is cheapest in Germany?", "text": "Which student health insurance is cheapest in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For language courses, Studienkolleg and DSH preparation the cheapest recognised tariff is Care College from €27.50/month (up to age 29). For full university enrollment under age 30 the cheapest route is statutory GKV — DAK-Gesundheit from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120 (saves about €10/month). Over-30 students usually pay €127.60/month with Care Student.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which student health insurance is best for a language course in Germany?", "text": "Which student health insurance is best for a language course in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "For a German language course or DSH/TestDaF preparation, Care College from €27.50/month is the standard private incoming tariff used for the language-course visa and the residence permit. Statutory GKV is not yet open at this stage because language schools are not part of the statutory student tariff. Once you enrol at a German university and are under 30, you switch to DAK, TK, Barmer or AOK.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-students-in-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care College from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/) 1. [Home](/en/) 2. Foreign Students in Germany # Health Insurance for Foreign Students in Germany – from €27.50/month Last reviewed: 2026-09-06 · by Steffan Grund (insurance expert, Krankenversicherung-Auslaender.de) · sources: DAK-Gesundheit, GKV-Spitzenverband, BAMF, DAAD, Auswärtiges Amt. Sources: DAK-Gesundheit · Techniker Krankenkasse · Barmer · AOK · GKV-Spitzenverband · § 5 + § 8 SGB V · HanseMerkur GTC · Care Concept AG · BAMF · DAAD · Study in Germany · Auswärtiges Amt ![Health insurance for foreign students in Germany — Care College, DAK-Gesundheit, Care Student](/assets/schloss-neuschwanstein-rentner-deutschland-BUe6CLV2.jpg) **No health insurance — no university enrollment.** That is usually the simple rule in Germany. Whether Bachelor, Master, exchange or Erasmus semester, language course, DSH preparation, Studienkolleg (Feststellungsprüfung), PhD / doctoral programme or guest scientist position: without a valid German _Versicherungsbescheinigung_ the matriculation office typically refuses enrollment. The same usually applies to all international students, foreign pupils, language-school attendees and doctoral candidates — both EU and non-EU. The good news: health insurance for foreign students in Germany starts [from €27.50/month with Care College](/en/insurance-plans/care-college/overview/) — often cheaper than a gym membership. Under-30s at a German university usually join a statutory _gesetzliche Krankenversicherung (GKV)_such as [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) — Techniker Krankenkasse (TK), Barmer and AOK work the same way and all send the M10 electronic notification to the university. Students over 30, formally exempt from GKV (Befreiung von der Versicherungspflicht under § 8 SGB V) or in PhD programmes typically use the GKV-equivalent [Care Student](/en/insurance-plans/care-student/overview/). The Versicherungsbescheinigung usually arrives by email within minutes — ready for the German embassy, the residence permit appointment at the Ausländerbehörde and, for over-30 students, the Sperrkonto / blocked account opening. Below: who needs which insurance (eligibility table), GKV vs PKV comparison, the M10 enrollment notification explained, the visa-vs- university timeline, 2026 cost overview, EHIC for EU students, plus a German insurance glossary — and why a single wrong decision on the GKV exemption can typically lock you in for your entire studies. 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 3, 2026** SourcesDAK-Gesundheit · GKV-Spitzenverband · § 5 SGB V · HanseMerkur Krankenversicherung AG · Care Concept AG · BAMF 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready for German university enrollment? Pick your student plan. [Care College (private) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/)[DAK Student (statutory) from €135.52/month (open-ended) ](/en/insurance-plans/dak-gesundheit/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 - Foreign students under 30 join DAK statutory insurance (GKV) — the M10 electronic notification is what universities accept for enrollment. - Students over 30 or GKV-exempt use Care Student (€101.54/month) — recognised by German universities as a GKV-equivalent enrollment route. - Care College (from €27.50/month) is the standard solution for language schools, Studienkolleg and DSH preparation — for visa and residence permit, NOT for university M10. (Au-pairs use Care Au-Pair instead.) Key facts at a glance Reviewed September 3, 2026 - **Care College Basic:** from €27.50/month (= €0.92/day) for students and language-school attendees aged 12–40, up to 5 years duration. (Source: HanseMerkur GTC). - **Care Student:** from €101.54/month for ages 12–29 and €127.60/month for ages 30–39 — a GKV-equivalent route that can support the M10 enrollment process for eligible exempt / private-route students. (Source: HanseMerkur GTC). - **DAK-Gesundheit student tariff:** regular contribution from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120 (saves €120/year, about €10/month). Usually only available until the 30th birthday (§ 5 (1) No. 9 SGB V; the 14-semester limit was abolished in 2020). - **GKV exemption** under § 8 SGB V is irrevocable for the entire duration of studies — no return to statutory GKV until graduation. ## What worries do international students have about health insurance? **Quick answer:** Four worries come up with almost every foreign student: enrollment refused without a valid insurance certificate, time pressure before the semester starts, uncertainty about the GKV exemption, and fear of coverage gaps between language course and degree programme. Each of these can be solved with the right tariff (from €27.50/month) and a digital instant certificate. ## 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. ## Quick reality check: what happens without proof of insurance? ## 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. ## How long does enrollment take if you act today? ## 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. ## Get insured in 3 steps 10 minutes of effort. Up to 5 years of cover. Zero paperwork. ## Ready for university enrollment in 3 steps DAK Student or Care Student for university enrollment, M10 notification and proof of coverage. 1. 1 🎯 Choose your student plan DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College. 2. 2 📝 Complete the application Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows. 3. 3 ✅ Receive your proof Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university. ## What international students say about choosing the right insurance for German university enrollment, the M10 notification and the residence permit appointment 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 student health insurance — by case 🏫 Language school · Studienkolleg · DSH ### Care College from only €27.50 / month (coverage up to 5 years) For language schools, Studienkolleg, DSH, continuing education, visiting researchers & educational stays - Proof of insurance for visas & immigration authorities quickly available (PDF) - Affordable health insurance from €27.50 / month - Doctor, hospital, prescription medication & dental treatment coverage - For educational stays in Germany or the EU/Schengen Area — except Austria - Suitable for language students, Studienkolleg, DSH, continuing education & visiting researchers - Coverage up to 5 years – less renewal stress - 3 plan levels available: Basic, Comfort & Premium - 24/7 assistance + digital insurance card - Coverage term: 1 month to 5 years · entry age up to 40 - Reputable insurance carrier Why Care College? For foreign nationals with an educational stay who need affordable health insurance and proof of coverage for authorities — suitable for language school, Studienkolleg, DSH, continuing education or visiting researchers. Why a 5-year coverage term? More planning security during training, language courses or study preparation: less renewal stress and a lower risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €27.50 / month · coverage up to 5 years [Care College – Quick Overview](/en/insurance-plans/care-college/plan-details/) [Apply online now](/en/insurance-plans/care-college/apply/) → Complete the application, receive your instant PDF, submit your proof 📘 Ages 30–39 · €127.60/mo ### 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 🎓 Under 30 · from €145.52/mo (€135.52 effective) ### 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 ## Care College — all prices by age & duration **Quick answer:** Care College — the recommended private tariff for language schools, Studienkolleg and DSH preparation — starts at €27.50/month (up to age 29) and €33.50–99/month from age 30. Designed for visa, residence-permit and authority proof; final acceptance depends on the responsible embassy, university or Ausländerbehörde. Note: Care College is **not** an M10 tariff for university enrollment — for that you need DAK Studenten (under 30) or Care Student (from €101.54/month for ages 12–29; €127.60/month for ages 30–39). (Au-pairs do not use Care College — they use the dedicated [Care Au-Pair](/en/insurance-plans/care-au-pair/overview/) tariff.) 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/) ### Care Student — total monthly cost (over 30 / GKV-exempt) Care Student Health insurance for students Compulsory long-term care for students Total 12–29 years 69,62 € / month 31,92 € / month 101,54 € / month 30–39 years 95,68 € / month 31,92 € / month 127,60 € / month All prices per month/person in euros. Health insurance deductible: €300 per calendar year. Entry age 12–39, term up to 60 months. Premium guarantee for the full term. As of 2026. [Care Student — Overview](/en/insurance-plans/care-student/overview/) [Apply now](/en/insurance-plans/care-student/overview/) ### DAK Student — statutory GKV (under-30 university students) 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/) ## Who needs student health insurance in Germany? — eligibility by case **Quick answer:** The right tariff usually depends on three factors: your age, your study format (degree programme, Studienkolleg, language course, PhD, exchange), and whether you are EU or non-EU. The table below summarises the typical match for each segment — final acceptance is decided by the individual university and the Ausländerbehörde. Student segment Typical insurance route M10 for university? Bachelor / Master degree, under 30 Statutory GKV (DAK, TK, Barmer, AOK) Yes Degree students aged 30–39 Care Student (€127.60/mo, GKV-equivalent) Yes — supports the M10 process 15th semester and beyond Care Student or voluntary GKV Yes via Care Student Studienkolleg / Feststellungsprüfung Care College (from €27.50/mo) Not yet — visa & course only Language course / DSH preparation Care College (from €27.50/mo) No PhD / doctoral candidates Care Student (typical) or voluntary GKV Yes via Care Student Exchange / Erasmus students EHIC + supplementary; or short-stay private Often EHIC + university check EU students with EHIC EHIC for short stays; GKV for full degree EHIC accepted by many universities Non-EU students (degree) DAK / TK / Barmer / AOK under 30, Care Student over 30 Yes Guest scientists / researchers Care Expatriate or voluntary GKV Depends on institution ## Public vs private health insurance for international students — GKV vs PKV **Quick answer:** Most under-30 university students join the statutory student tariff (gesetzliche Krankenversicherung / GKV) — typically with DAK-Gesundheit, Techniker Krankenkasse, Barmer or AOK. Students over 30, GKV-exempt students, language-school attendees, Studienkolleg and many PhD candidates often use a private route (Care Student or Care College). Both choices have trade-offs. ### Statutory GKV (DAK, TK, Barmer, AOK) - Eligibility: usually under 30 and enrolled at a German university. - Cost: about €145–€150/month including Pflegeversicherung and Zusatzbeitrag. - Doctor visits, hospital (inpatient and outpatient), prescription medication, preventive check-ups, mental-health treatment and pregnancy coverage are typically included. - Dental: basic care included, premium dental usually limited. - Pre-existing conditions: usually accepted without surcharge. - Switching: leaving GKV via § 8 SGB V exemption is normally irrevocable for the whole degree. - University acceptance: M10 electronic notification — accepted by almost every German university. ### Private Incoming (Care Student / Care College) - Eligibility: students over 30, GKV-exempt, PhD, Studienkolleg, language course. - Cost: Care Student from €101.54/month for ages 12–29 and €127.60/month for ages 30–39; Care College from €27.50/month (visa / course only). - Comprehensive medical, hospital, prescriptions and emergency cover; mental-health and pregnancy coverage depend on the chosen tier. - Dental: tiered — Comfort/Premium expand cover. - Pre-existing conditions: typically excluded; treatment of acute new conditions covered. - Switching back to GKV during studies: usually not possible. - University acceptance: Care Student can support the M10 process for eligible exempt / private-route students; Care College is designed for visa & residence-permit proof, not for university M10. ## What is the M10 electronic notification? **Quick answer:** The M10 (or "elektronische Meldung M10") is the digital insurance proof that your German Krankenkasse — typically DAK-Gesundheit, Techniker Krankenkasse (TK), Barmer or AOK — sends directly to the university's enrollment office. Without that electronic confirmation the matriculation usually cannot be finalised. For over-30 or GKV-exempt students, [Care Student](/en/insurance-plans/care-student/overview/) can support the required electronic insurance-status process for eligible private/exemption routes (the M10 procedure under § 199a SGB V is mandatory and paper forms are no longer accepted). Care College, by contrast, is a private Incoming tariff for the student visa, residence permit and language / Studienkolleg courses — it is **not** an M10 product for university enrollment. ## Visa proof vs university enrollment proof — timeline **Quick answer:** German embassies and German universities require different insurance proofs at different points. The typical sequence: 1. **1\. Before visa** Versicherungsbescheinigung for the German embassy / consulate (Care College, Care Student, or DAK confirmation). 2. **2\. Before arrival** Cover starts on travel date — PDF certificate ready in your visa file. 3. **3\. Admission letter** University admission (Zulassung) received — choose your enrollment insurer. 4. **4\. Before enrollment** Insurer sends the M10 electronic notification directly to the university (DAK / TK / Barmer / AOK / Care Student). 5. **5\. After arrival** Residence permit appointment at the Ausländerbehörde — present the same Versicherungsbescheinigung. ## German student health insurance costs in 2026 **Quick answer:** Indicative 2026 monthly costs — final premium depends on age, tier and duration. Prices are the cheapest student tariffs typically accepted by German universities and the Ausländerbehörde. ### Statutory GKV (DAK, TK, Barmer, AOK) DAK-Gesundheit: regular contribution from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120 (~€10/month saving). TK, Barmer, AOK in a similar €135–150/month range. Usually until the 30th birthday only. ### Care Student (over 30 / GKV-exempt) From €101.54/month (ages 12–29) and €127.60/month (ages 30–39) — GKV-equivalent route that can support the required electronic insurance-status process (M10) for eligible exempt / private-route students; recognised by most German universities. ### Care College (visa / language / Studienkolleg) from €27.50/month (up to 5 years) — private Incoming tariff for the student visa and residence permit; not an M10 product for university enrollment. Travel insurance (e.g. Care Visa Protect from €0.85/day) is for short Schengen visits up to 92 days — it is not designed for university enrollment or the long-term residence permit. ## Health insurance by student profile ### Statutory health insurance for students under 30 Under-30 university students typically join a German Krankenkasse (DAK-Gesundheit, Techniker Krankenkasse, Barmer or AOK). The statutory student tariff usually covers doctor visits, hospital, prescriptions, preventive check-ups, mental-health and pregnancy. The M10 electronic notification is sent directly to the university. [DAK student plan](/en/insurance-plans/dak-gesundheit/overview/). ### Private health insurance for students over 30 Students aged 30–39 normally use [Care Student](/en/insurance-plans/care-student/overview/) at €127.60/month. Younger GKV-exempt students may use Care Student from €101.54/month (ages 12–29). It is a GKV-equivalent route that can support the required electronic insurance-status process for eligible exempt / private-route students and is recognised by most German universities. ### Health insurance for Studienkolleg students Foundation-course (Studienkolleg / Feststellungsprüfung) students are usually not yet eligible for the GKV student tariff. The typical choice is [Care College (from €27.50/month (up to 5 years))](/en/insurance-plans/care-college/overview/) for the visa, residence permit and the preparatory course itself. ### Health insurance for language course students Language schools and DSH-prep courses are not part of the statutory student tariff. Care College is designed for visa, residence-permit and authority proof for language-course and Studienkolleg phases; final acceptance depends on the responsible German embassy, university or Ausländerbehörde. ### Health insurance for PhD and doctoral students PhD and doctoral candidates are usually treated as research-status rather than statutory students. Most use Care Student (from €101.54/month (up to 5 years)) as a GKV-equivalent route, or — if employed by the institution — voluntary GKV. Guest scientists often combine Care Expatriate with the institutional contract. ### EHIC for EU students in Germany EU students with a European Health Insurance Card (EHIC) are usually covered for medically necessary treatment during shorter stays (Erasmus, exchange semester). For a full degree most German universities still expect a German Versicherungsbescheinigung — EU students typically register with a German GKV so the M10 notification can be issued. ### How to apply from abroad — required documents You can usually apply for Care College, Care Student and DAK student insurance fully online before you arrive in Germany — no German address required. Typical documents: passport copy, university admission letter (Zulassung) or language-school confirmation, and for over-30 students proof of GKV exemption. The Versicherungsbescheinigung PDF is usually issued within minutes and accepted at the German embassy, the Sperrkonto / blocked account opening and the Ausländerbehörde residence-permit appointment. ## Key German insurance terminology for international students Krankenversicherung Health insurance — mandatory for everyone in Germany. Gesetzliche Krankenversicherung (GKV) Statutory public health insurance — DAK, TK, Barmer, AOK and others. Private Krankenversicherung (PKV) Substitutive private health insurance — used by exempt students and high-income employees. Pflegeversicherung Long-term care insurance — automatically added to GKV contributions. Versicherungsbescheinigung Insurance certificate required by embassy, university and Ausländerbehörde. Befreiung von der Versicherungspflicht (§ 8 SGB V) Exemption from compulsory GKV — usually irrevocable for the whole degree. Zusatzbeitrag Additional contribution charged on top of the statutory GKV base rate. Sperrkonto Blocked account — financial proof for the student visa, often combined with insurance. Aufenthaltserlaubnis Residence permit issued by the Ausländerbehörde after arrival. Feststellungsprüfung Studienkolleg final exam qualifying foreign students for German universities. M10-Meldung Electronic enrollment notification sent by the insurer directly to the university. EHIC European Health Insurance Card — usually covers EU students for short stays. ## Health insurance for students from India, Pakistan, China and other countries **Quick answer:** Many international students in Germany come from countries such as India, China, Turkey, Iran, Pakistan, Bangladesh, Egypt, Morocco, Tunisia, Vietnam, Syria, Ukraine and Russia. The German insurance rules are generally the same for all foreign students — your exact route depends on whether you are an EU or non-EU student, your age, your study phase and whether you are already enrolled at a German university. For example, an Indian or Pakistani student starting with a language course or Studienkolleg usually needs private incoming student insurance first, such as [Care College](/en/insurance-plans/care-college/overview/). A Bachelor's or Master's student under 30 may later switch to statutory student health insurance such as [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/), TK, Barmer or AOK after university enrollment. Students over 30, PhD candidates and GKV-exempt students often need a private student route such as [Care Student](/en/insurance-plans/care-student/overview/). For embassy-proof, visa appointment and first-day-of-arrival cover, see our dedicated guide to [health insurance for the German student visa](/en/health-insurance-german-student-visa/). Country / origin Relevant search phrase What to do before and after enrollment India health insurance for Indian students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) for language course, Studienkolleg or DSH preparation. **After enrollment:** statutory health insurance such as [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/), TK, Barmer or AOK under 30; [Care Student](/en/insurance-plans/care-student/overview/) for 30+ or GKV-exempt students. Pakistan health insurance for Pakistani students in Germany **Before enrollment:** private incoming student insurance such as [Care College](/en/insurance-plans/care-college/overview/) for visa, language course or Studienkolleg. **After enrollment:** public student health insurance under 30 ([DAK](/en/insurance-plans/dak-gesundheit/overview/)/TK/Barmer/AOK) or [Care Student](/en/insurance-plans/care-student/overview/) for private/exemption cases. China health insurance for Chinese students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) for language course or APS study-preparation phase. **After enrollment:** public student insurance for Bachelor/Master under 30; [Care Student](/en/insurance-plans/care-student/overview/) for over-30, PhD or GKV-exempt students. Iran health insurance for Iranian students in Germany **Before enrollment:** insurance proof for visa, residence permit or language course ([Care College](/en/insurance-plans/care-college/overview/)). **After enrollment:** [Care Student](/en/insurance-plans/care-student/overview/), voluntary GKV or statutory student insurance — depending on PhD, scholarship, employment and age. Egypt health insurance for Egyptian students in Germany **Before enrollment:** insurance proof for visa, residence permit or Studienkolleg ([Care College](/en/insurance-plans/care-college/overview/)). **After enrollment:** [DAK](/en/insurance-plans/dak-gesundheit/overview/)/TK/Barmer/AOK under 30; [Care Student](/en/insurance-plans/care-student/overview/) for 30+ or GKV-exempt students. Bangladesh health insurance for Bangladeshi students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) for language course, Studienkolleg or arrival phase. **After enrollment:** statutory student health insurance under 30; [Care Student](/en/insurance-plans/care-student/overview/) for over-30 or exempt students. Morocco health insurance for Moroccan students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) for language course, DSH or Studienkolleg. **After enrollment:** public GKV ([DAK](/en/insurance-plans/dak-gesundheit/overview/)/TK/Barmer/AOK) for degree students under 30; [Care Student](/en/insurance-plans/care-student/overview/) for 30+ or private-route students. Tunisia health insurance for Tunisian students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) for study preparation, language course or Studienkolleg. **After enrollment:** [DAK](/en/insurance-plans/dak-gesundheit/overview/)/TK/Barmer/AOK under 30 or [Care Student](/en/insurance-plans/care-student/overview/) for 30+/exempt students. Vietnam health insurance for Vietnamese students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) for language course or university preparation. **After enrollment:** public student insurance under 30; [Care Student](/en/insurance-plans/care-student/overview/) for over-30, PhD or exemption cases. Turkey health insurance for Turkish students in Germany **Before enrollment:** check whether private incoming insurance ([Care College](/en/insurance-plans/care-college/overview/)) is needed for preparation phases. **After enrollment:** statutory GKV may fit under-30 degree students; [Care Student](/en/insurance-plans/care-student/overview/) may fit 30+ or exempt students. Syria health insurance for Syrian students in Germany **Before enrollment:** keep valid insurance proof for residence permit, language course or Studienkolleg ([Care College](/en/insurance-plans/care-college/overview/)). **After enrollment:** public student insurance under 30 or [Care Student](/en/insurance-plans/care-student/overview/) for 30+/private-route students. Ukraine health insurance for Ukrainian students in Germany **Before enrollment:** check residence status and whether private incoming insurance is needed. **After enrollment:** university may require public student insurance, EHIC-like recognition or a private/exemption route ([Care Student](/en/insurance-plans/care-student/overview/)). Nepal health insurance for Nepalese students in Germany **Before enrollment:** prepare insurance proof for visa, language course or Studienkolleg ([Care College](/en/insurance-plans/care-college/overview/)). **After enrollment:** statutory GKV under 30 ([DAK](/en/insurance-plans/dak-gesundheit/overview/)/TK/Barmer/AOK); [Care Student](/en/insurance-plans/care-student/overview/) for over-30 or GKV-exempt students. Nigeria health insurance for Nigerian students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) can fit language course, Studienkolleg or study-preparation phases. **After enrollment:** public student health insurance under 30 ([DAK](/en/insurance-plans/dak-gesundheit/overview/)/TK/Barmer/AOK); [Care Student](/en/insurance-plans/care-student/overview/) for 30+, PhD or exempt students. Cameroon health insurance for Cameroonian students in Germany **Before enrollment:** [Care College](/en/insurance-plans/care-college/overview/) for language course, DSH or Studienkolleg. **After enrollment:** statutory student insurance, voluntary GKV or [Care Student](/en/insurance-plans/care-student/overview/) depending on age, PhD status and enrollment route. **Important:** Your country of origin does not usually change the German insurance rules. An Indian, Pakistani, Chinese, Egyptian, Moroccan, Bangladeshi, Nepalese, Nigerian or Cameroonian student must follow the same German framework for university enrollment, GKV eligibility and residence-permit proof (§ 5 / § 8 SGB V). What changes is the typical journey: some students arrive first for a language course, Studienkolleg or visa-preparation phase, while others enter Germany directly for a Bachelor's, Master's or PhD program. ## Cost of student health insurance in Germany — by student profile Student profile Typical cost (2026) Recommended route Language student from €27.50/month Care College Basic Studienkolleg student from €27.50/month Care College Degree student under 30 ~€135–150/month DAK / TK / Barmer / AOK (statutory) Student aged 30–39 €127.60/month Care Student PhD / doctoral student from €101.54/month Care Student or voluntary GKV Non-EU student depends on age / phase Care College → DAK or Care Student EU / Erasmus student EHIC + supplementary EHIC; GKV for full degree ## Health insurance for international students in Germany International students in Germany need health insurance for several steps: visa or entry, university enrollment, residence permit and medical treatment during the stay. The right route depends on age, study type and country of origin. Bachelor's and master's students under 30 often use statutory public health insurance such as DAK, TK, Barmer or AOK. Language students, Studienkolleg students, students over 30 and many PhD candidates often need a private or incoming student insurance route — typically Care College for the preparation phase and Care Student after matriculation. The same framework applies to German health insurance for international students from any non-EU country. ## Medical insurance vs health insurance — same thing In this guide, health insurance and medical insurance mean the same thing: insurance that covers doctor visits, hospital treatment, prescriptions and emergency medical care in Germany. Searchers often use phrases such as _medical insurance for students in Germany_ or _medical insurance for international students in Germany_ — the German legal term is _Krankenversicherung_ (statutory GKV or private PKV). ## Public health insurance vs private health insurance for international students Many students search for _public health insurance for students in Germany_ or _public health insurance for international students in Germany_. In Germany, this usually means statutory health insurance, called _gesetzliche Krankenversicherung_ or GKV — typically DAK-Gesundheit, Techniker Krankenkasse, Barmer or AOK for under-30 enrolled students. _Private health insurance for international students_ is called _private Krankenversicherung_ or PKV and is mainly relevant for over-30, GKV-exempt, language-course, Studienkolleg and many PhD cases (Care Student, Care College). ## Cheapest and best health insurance for international students in Germany The cheapest health insurance for international students in Germany is not always the best choice. [Care College](/en/insurance-plans/care-college/overview/) from €27.50/month can be the cheapest route for the language-course or Studienkolleg phase. Enrolled under-30 degree students usually need statutory public insurance (DAK, TK, Barmer or AOK) — which is the only route that triggers the M10 university notification for them. Over-30 students may need [Care Student](/en/insurance-plans/care-student/overview/) at €127.60/month. The "best" tariff is the one that matches your age, study phase and visa case — not just the lowest premium. ## Frequently Asked Questions Which insurance is mandatory for foreign students in Germany? Under-30 university students must join statutory GKV (typically DAK-Gesundheit), which sends the M10 enrollment notification. Students over 30 or formally exempt from GKV use Care Student, recognised by universities as GKV-equivalent. Language-school, Studienkolleg and DSH-prep students use Care College for the visa and course — they are not yet eligible for university M10. How much is German student health insurance per month? DAK student GKV is around €145–€150/month. Care College starts at €27.50/month for ages up to 29; Care Student is €101.54/month including pension/care contributions. Is Care College accepted for university enrollment? For university enrollment German universities require either statutory GKV with the M10 notification (DAK-Gesundheit) or, for over-30/GKV-exempt students, a GKV-equivalent route such as Care Student. No — Care College is a private Incoming insurance for language schools, Studienkolleg and DSH preparation (visa and residence permit). Au-pairs use the dedicated Care Au-Pair tariff instead. Can EU students use the EHIC in Germany? EU students typically register with a German GKV (DAK, TK, Barmer or AOK) so the M10 notification can be sent electronically to the matriculation office. Usually yes for short visits, but for full degree enrollment most German universities still ask for a German Versicherungsbescheinigung. Do language course students need private insurance? PKV premiums start at €58/month (Care Expatriate, age 13–40, § 193 VVG). From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): In most cases yes — language schools and Studienkolleg are not part of the statutory GKV student tariff, so attendees usually take a private Incoming tariff such as Care College (from €27.50/month) for the visa, residence permit and course. What happens to my insurance after age 30? Once you turn 30 you typically leave the statutory student GKV tariff. You then either continue voluntarily in GKV at the higher voluntary contribution, or switch to Care Student (€101.54/month) — the GKV-equivalent route most German universities accept for over-30 and PhD students. Can I switch from private back to public health insurance as a student? The exemption from compulsory insurance (Befreiung von der Versicherungspflicht under § 8 SGB V) is binding for the whole degree. Usually no during the same study programme. A return to GKV typically only becomes possible after graduation, when you start a regular job below the JVEG income threshold. Is health insurance free for international students in Germany? No — health insurance is mandatory for every student under § 5 SGB V and § 5 AufenthG. The cheapest student tariffs start from about €27.50/month (Care College, language / Studienkolleg students) — there is no free option. Do I need health insurance for the German residence permit? The Ausländerbehörde requires a valid Versicherungsbescheinigung before issuing or extending the residence permit. Care College, Care Student and DAK-Gesundheit all provide a certificate that is typically accepted. What is the difference between travel and student health insurance? Care Visa Protect) is for short Schengen visits up to 92 days. Travel insurance (e.g. Student health insurance (Care College, Care Student, DAK student GKV) is designed for longer stays of months or years and is what German universities and the Ausländerbehörde expect for the student visa and the residence permit. What health insurance do Indian students need in Germany? Indian students starting with a language course or Studienkolleg usually take Care College from €27.50/month for the visa and the preparatory phase. Once enrolled in a Bachelor's or Master's programme under age 30, they typically switch to a statutory German Krankenkasse such as DAK, TK, Barmer or AOK so the M10 electronic notification can be sent to the university. Indian PhD candidates or students over 30 normally use Care Student. What health insurance do Pakistani students need in Germany? Pakistani students over 30 or in PhD programmes often use Care Student. Pakistani students are non-EU and need a recognised German Versicherungsbescheinigung for the embassy and the Ausländerbehörde. Care College from €27.50/month is the standard route during a language course or Studienkolleg; once at a German university and under 30 the typical move is to DAK, TK, Barmer or AOK. What health insurance do Chinese students need in Germany? Chinese students with an APS-certified admission to a Bachelor's or Master's programme typically join statutory GKV under age 30 (DAK, TK, Barmer or AOK). Before enrollment — for language courses, DSH preparation or Studienkolleg — Care College from €27.50/month is the common Incoming tariff. Chinese PhD candidates and over-30 students normally use Care Student. What health insurance do Iranian or Egyptian students need in Germany? Student KV: €101.54/month (Care Student) or €150.65/month (DAK statutory, 2026). From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Iranian and Egyptian students follow the same general framework: Care College for the visa and language / Studienkolleg phase, statutory GKV (DAK, TK, Barmer, AOK) for under-30 university enrollment, and Care Student for over-30, PhD or GKV-exempt students. Final acceptance is decided by the responsible university and the Ausländerbehörde. What health insurance do PhD or doctoral students need in Germany? Most use Care Student (from €101.54/month for ages 12–29; €127.60/month for ages 30–39) as a GKV-equivalent route. PhD and doctoral candidates are usually treated as research-status rather than statutory students. PhD candidates employed by the institution typically join voluntary statutory GKV; guest scientists often combine Care Expatriate with their host contract. What is the cheapest health insurance for international students in Germany? For language schools, Studienkolleg and DSH preparation the cheapest recognised tariff is Care College from €27.50/month (up to age 29). For full university enrollment under age 30 the cheapest route is statutory GKV (DAK, TK, Barmer, AOK) at roughly €135–150/month including Pflegeversicherung. Over-30 and GKV-exempt students typically use Care Student from €101.54/month (12–29) or €127.60/month (30–39). Can non-EU students get public (statutory) health insurance in Germany? Yes — non-EU students enrolled at a German university and under age 30 are normally insured under statutory student GKV (DAK, TK, Barmer or AOK), exactly like German students. The decisive factor is matriculation at a recognised German university, not nationality. Before enrollment (language course, Studienkolleg) statutory GKV is not yet open and a private Incoming tariff such as Care College is used. Can I apply for German student health insurance before arrival? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): Yes. Care College, Care Student and the DAK student plan can all be applied for online from abroad — no German address needed. The Versicherungsbescheinigung PDF is usually issued within minutes by email and is accepted at the German embassy, for the Sperrkonto / blocked account opening and at the Ausländerbehörde residence-permit appointment after arrival. What is the difference between health insurance and medical insurance for students in Germany? From €27.50/month (Care College) or €101.54/month (Care Student under § 5 SGB V): There is no difference. In Germany the legal term is Krankenversicherung — translated as health insurance or medical insurance. Both cover doctor visits, hospital treatment, prescriptions and emergencies. International students typically search for either phrase; the requirement for university enrollment, visa and residence permit is the same. What is public health insurance for international students in Germany? The M10 electronic notification is sent directly to the university. Public health insurance is the German statutory system, gesetzliche Krankenversicherung (GKV). For international students enrolled at a German university and under age 30 it is provided by Krankenkassen such as DAK-Gesundheit (from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120), Techniker Krankenkasse, Barmer or AOK. Is private health insurance good for international students in Germany? Private health insurance is the right choice for over-30 students, GKV-exempt students, language-course and Studienkolleg attendees and many PhD candidates. Care Student (from €101.54/month for ages 12–29 and €127.60/month for ages 30–39) is GKV-equivalent and can support the electronic enrollment process. Care College (from €27.50/month) covers the visa, residence permit and preparatory phase but is not an M10 product for university enrollment. What health insurance do Bangladeshi students need in Germany? Care College from €27.50/month is the typical route for language course or Studienkolleg. Bangladeshi students are non-EU and need a German Versicherungsbescheinigung for the visa and the Ausländerbehörde. After matriculation under age 30, statutory GKV (DAK, TK, Barmer, AOK) applies; over-30 or GKV-exempt students normally use Care Student. What health insurance do Nigerian students need in Germany? Nigerian students aged 30 or older, PhD candidates and GKV-exempt students typically use Care Student (€127.60/month for ages 30–39). Nigerian students follow the standard non-EU route: Care College from €27.50/month for the visa and language / Studienkolleg phase, then statutory GKV (DAK, TK, Barmer, AOK) once enrolled at a German university under age 30. What health insurance do Nepalese students need in Germany? Care College from €27.50/month is the typical pre-enrollment cover; after matriculation under age 30, statutory GKV (DAK, TK, Barmer, AOK) is normally used. Nepalese students need a recognised German insurance certificate for the embassy, the Sperrkonto opening and the residence-permit appointment. Over-30 or exempt students switch to Care Student. Which student health insurance is cheapest in Germany? For language courses, Studienkolleg and DSH preparation the cheapest recognised tariff is Care College from €27.50/month (up to age 29). For full university enrollment under age 30 the cheapest route is statutory GKV — DAK-Gesundheit from €145.52/month, effectively from €135.52/month with the DAK Garantietarif 120 (saves about €10/month). Over-30 students usually pay €127.60/month with Care Student. Which student health insurance is best for a language course in Germany? For a German language course or DSH/TestDaF preparation, Care College from €27.50/month is the standard private incoming tariff used for the language-course visa and the residence permit. Statutory GKV is not yet open at this stage because language schools are not part of the statutory student tariff. Once you enrol at a German university and are under 30, you switch to DAK, TK, Barmer or AOK. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Ready to enroll? Pick the student plan that fits your case. [Care College (private) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/)[DAK Student (statutory) from €135.52/month (open-ended) ](/en/insurance-plans/dak-gesundheit/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 3, 2026.