Cheap Health Insurance for Students in Germany or Austria
from only 28 € / month (max. 5 years) !
Cheap Insurance for Students in Language Schools or Studienkolleg,
Scholarship holders, Postgraduate or Ph.D. Students
(Use also for Visa Application or Extension)

Insurance company:
Hanse-Merkur Reiseversicherung AG, Siegfried-Wedells-Platz 1, 20354 Hamburg

Visa: Application and Extension
Yes, you can use this insurance for Visa Application or Extension at the embassy and in the aliens department (Ausländerbehörde).
The insurance meets the current valid requirements for a Visa made by the decision of the European Union Council on 13.07.2009 and therefore can be used for Visa Application or Extension. The required minimum coverage of 30,000 Euro is ensured and is stated on the insurance policy.

Insurance documents: A few minutes after the Online Application you will receive by email your insurance documents as PDF Files.
These documents are needed for your doctor's appointment, but also for presentation at embassies, consulates and foreign authorities.

Print and use them for your next doctor's visit, for Visa Application or Extension.

 

Health Insurance for Students in Germany or EU Europe
(Pupils / Students in language schools,DSH courses, Studienkolleg or PhD Students)

Student Health Insurance: Who can use it ?

  • Students in Studienkolleg on German Universities, Fachhochschule or Musikakademie (music academy)
  • Language Students / Pupils e.g. in a language course on german Universities or Schools
  • Guest students in Germany
  • Scholarship holders (Scholarship Insurance)
  • Doctorate Students and Postgraduate like PhD students on Universities in Germany (Health Insurance for Ph.D.)
  • Participants in international projects at universities and colleges
  • Exchange students like Erasmus program, Sokrates or DAAD
  • Foreign Students on Working Holiday, Work & Travel or Work & Study programmes in Germany, EU or the Shengen States
  • Study and educational trips in Germany, the EU or Schengen-States
  • Other further education

 

 

Health Insurance Students: Which countries are covered in this Health-Insurance ?

There are 4 different cases. It depends generally on your nationality and the place of living in the least years. The following groups can insure themselves via the health insurance coverage Care College Basic, Comfort or Premium for the purposes of training or further education:

  • Foreign nationals travelling temporarily to Germany or the European Union (EU) or the Schengen states
    European Union: current member states
    Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
  • Foreign nationals living in Germany or Austria and intending to travel abroad temporarily except to the NAFTA states
  • German or Austrian nationals travelling abroad temporarily - except to the NAFTA states
  • German or Austrian nationals living abroad for at least two years and travelling temporarily to Germany or EU / Schengen states

 

Maximum age of the Students ?

The insured students / language school participants must be at least 12 years and no more than 35 years old when the insurance cover begins or on health coverage renewal. Additionally the policyholder must be at least 18 years of age.

 

Price of the Student Health Insurance

Premium list of the Health insurance plans Care College, Care College Comfort and Care College Premium

Product Care College Basic Care College Comfort Care College Premium
Term of insurance 1 – 18 Month Starting month 19 1 – 18 Month Starting month 19 1 – 18 Month Starting month 19
€ / Month 28,00 51,00 35,00 59,00 63,00 83,00

 

 

Health Insurance for Students: Short term and Longterm Medical Insurance

The minimum term of the foreign insurances Care College Basic, Comfort and Premium is 1 month, the maximum term including any and all extensions is 5 years. The Care College insurance can be used as short term coverage e.g. for short visit in a language schools or as longterm insurance up to 60 months (5 years) for DSH preparation or Studienkolleg semesters.

 

Is it possible to terminate the health insurance policy prematurely?
e.g. if the visa is not granted (Visum abgelehnt)

  • Premature termination may only be applied for in written form like email, fax or post. The termination application can be given without observing specific form. The following information is required for processing of your application: your policy number, the name of the insured person, original expiration of the policy, desired date of expiration, reason for termination and as appropriate documentation of the departure.
  • Reimbursement of excess payment of premiums is possible, subject to the deduction of a processing fee of €5.00.
  • A premature termination is possible in the following cases:
    1. If the stay abroad has been prematurely ended.
    2. If the participation in language courses or projects is ended and the prerequisites for the policy no longer exist.
    3. If you begin a course of study and are subject to compulsory health insurance.
    4. If the entry visa is not granted, or if the entry to the country does not take place for other reasons, a written cancellation of the application before the commencement of the policy is possible.

 

Can I obtain my medical insurance confirmation online?

Yes, shortly after you have completed and sent your online application, you will, after a positive plausibility check, receive a confirmation email to the email address you provided during the online application. This email contains the following documents in PDF format:

  • Insurance certificate (insurance policy)
  • Treatment vouchers
  • Questionnaire regarding insurability
  • Terms and conditions of the health insurance

If you need urgent your confirmation, please print out these PDF Files and use them for example for visa application or visa extension.

Furthermore, within two working days, you will receive your insurance confirmation with your insurance card and your insurance certificate by mail. If you pay by bank transfer, you will also receive your invoice at the same time. Should a positive plausibility check not be possible, you will be contacted in writing within two working days.

 

Are hospital stays and treatment by specialist physicians insured?

Generally every type of medical treatment which is considered necessary and which did not begin before commencement of the insurance term (prior illness) is covered. The foreign health insurance includes medical treatment by specialists like orthopaedists or gynaecologists and in-patient treatment in the general care class, excluding treatment by the head physician.
You will find a detailed list of benefits in the description and in the General Terms of Insurance.

 

Health Insurance for Students in Europa

As mentioned above, the Student Health Insurance is valid in all european countries/members of The European Union. The EU Europa has currently 27 member states (2009 information):
Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom

 



Technical note: Filling in the online application form


If after submitting the online application you see only a white blank page, please move with your mouse to the upper half of the screen. There you will have to confirm eventually your personal data again in order to finish the online application and receive as next your insurance documents.

If the problem persists, please send us an email (click here) .
We will try to help you as soon as possible!

 

 

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Private Health Insurance in Germany for Foreign Students, Visitors and Expatriates
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