Student Health Insurance in Germany: Cost and Comparison

University Students: The cost of public health insurance is about EUR 110.00 /month

As a University student in Germany, you are eligible for the low-cost "student health insurance" provided by the public health insurance companies like AOK, TK, DAK, BKK, BEK, GEK, KKH, or the Hamburg Münchener Krankenkasse. The monthly rate for your health coverage, in this case, will be everywhere almost the same, around EUR 110.00 per month in 2021.

For example, from 01.01.2021:
Techniker Krankenkasse €108.81 per month or €110.69 for students over 23 years and without children.

But be careful, the price is almost the same, but all the services included differ from company to company.


Language students / Scholarship / Doctorate: Private Health Insurance from EUR 24.50 / month

Language students, guest students, scholarship holders, and doctorate students, in most cases, cannot use the public health insurance companies in Germany yet. However, they can still use special and even cheaper private health insurances, starting at only EUR 24.50 per month. Details here ...

The same rule also applies to all participants in international projects at universities and colleges, exchange students, like ERASMUS, DAAD or SOKRATES, on Working Holiday, Work & Travel and Work & Study programs, as other further education and study trips abroad. As best and cost-effective health insurance for you, in this case, we recommend the special medical and dental insurance tariff for Germany and Austria by HanseMerkur Versicherungsgruppe starting at only EUR 24.50 per month. More details here ...


Health Insurance Card in Germany


Students over 30 years or more than 14 semesters: What is the Best Health Insurance for you?

If you are a student over 30 years or have studied for more than 14 semesters in the university, you can choose between the public and private German health insurance providers. The cost of the public health policy (gesetzliche Krankenkasse) is min. EUR 166.69 (Techniker Krankenkasse in 2021) per month for all students over 30 years old. For a similar price in most cases, you can also get a private insurance tariff (Private Krankenversicherung or PKV) with much more personal benefits and excellent medical and dental treatment.

To get free quotes and compare the top private health insurance tariffs in Germany, please read here ...

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