Public Health Insurance for Students in Germany
Comparison, Changing and Cheapest Insurance Premiums

When is public health insurance (like AOK, TK, DAK, BKK, BEK, GEK, or KKH) possible for students in Germany?
What are the requirements?

1. Do you already have admission to a university or college in Germany?

If you have admission to a university or college in Germany, then public health insurance (German: GKV) is possible for you.
Copy of registration certificate and semester confirmation of registration is needed.

Exception: Doctoral Studies
If you are a Ph.D. student, please read more about a possible private Health Insurance Plan in Germany from only EUR 28.00 / month ...

2. Age of students:

- Under 30 years:
German public health insurance for students (like AOK, TK, DAK, BKK, BEK, GEK, or KKH) is possible.

- Over 30 years:
Only if the person was previously insured for at least one year by a public health insurance company like AOK, TK, and similar. In this case, student public health insurance is still possible, but the price for older students (over 30 years) is about two times higher (about EUR 200).

Our recommendation:
For all newcomer international students over 30 years, we recommend the affordable private health insurance by Hanse-Merkur Versicherungsgruppe
starting at only EUR 28.00 /month ...

3. If the student had public health insurance previously for at least 18 months, the public health insurance company can be changed.

a) Cancellation period:
the current month + 2 full months

b) The new membership begins at the end of the 18th month or after the cancellation period.

4. The student was previously not insured in any public health insurance company

a) If you are at the beginning of your study (1. semester):
The membership in public health insurance starts at the beginning of the semester (see point 1 above).

b) If you already started your study and have been a member of a private health insurance company,
membership in public health insurance in Germany is not possible (read exemption from the mandatory health insurance ).

5. The student is insured through family insurance by the parents (family insurance for students)

Health insurance for students is possible for the students after they turn 25 years. Up to this age, no insurance is needed because the student is subscribed for free on the compulsory public health insurance of the parents.

Our recommendation:

For all international students over 30 years:
Affordable private health insurance specifically for students over 30 years or 14 semesters ...

For all foreign students and exchange students (under 30 years):
Cheap travel health insurance from only EUR 28.00 / month ...