Cheap Health Insurance for Students in Germany or Austria
from only €24.50 / month (max. 5 years) !

Private Health Insurance for Students in Language Schools and Studienkolleg,
Scholarship holders, Postgraduate or Ph.D. Students.
Can be used for Visa Application or Extension!

Insurance company:
HanseMerkur Versicherungsgruppe in Hamburg - Advigon Versicherung AG

Visa Application and Extension:
Yes, you can use the insurance for Visa Application or Extension at the embassy and in the Aliens Department (Ausländerbehörde).
The insurance meets the current valid visa requirements and can be used for Visa Application or Extension.
The required minimum coverage of EUR 30,000 is ensured and stated on the insurance policy.

Insurance documents: A few minutes after your Online Application, you will receive your insurance documents by email. The insurance policy documents are needed for your doctor's appointment, presentation at embassies, consulates, and foreign authorities.
Print and use them for your next doctor's visit, Visa Application, or Extension.

Cheap Health insurance in Germany for Foreign Students, Postgraduates, and Ph.D. Students
How to minimize the Risk of Visa Rejection?

The most common problem for you:

Unfortunately, foreign students who take preparatory language courses in Germany, as well as foreign postgraduates, Ph.D. students, and scholarship holders at German universities and colleges cannot take out any of the German statutory public health insurances like Techniker Krankenkasse (TK), AOK, DAK, BKK or BEK. They cannot use the cheap student insurance tariffs there. All exchange students in Germany under programs like ERASMUS+, DAAD, Erasmus Mundus, SOKRATES, Leonardo da Vinci, Comenius, and Grundtvig have the same problem.

The same applies to all international students visiting a Studienkolleg in Germany that are more than 30 years old. They, too, are no longer eligible for low-priced statutory health insurance.

Nonetheless, health insurance in Germany is essential. You must be able to prove health coverage when applying for a visa at the German Embassy or Immigration Office. Without health insurance, a visa will not be granted. Of course, you also need insurance to protect yourself from the extremely high medical costs in Germany. Charges for a visit to the hospital could easily be several thousand euros.

Unfortunately, in that case, there are not many options for you: You need to take out special private health insurance for foreign students
(starting at EUR 24.50 / month by "Hanse-Merkur Reiseversicherungsgruppe", more details here ... )

Our Recommendation:
From only EUR 24.50 / month: Recommended for Foreign Students and Language School Visitors in Germany

There are special and very reasonable private health insurance tariffs for all those foreign students in Germany who still cannot use the statutory student health insurance. For example, one of the biggest insurance companies in Germany, "Hanse-Merkur Versicherungsgruppe", is offering special private health insurance tariffs tailored to meet foreign students' special needs. Price is starting at only EUR 24.50 / month. More details here ...

Like public insurance, private health insurance will cover out-patient, dental, and in-patient treatments by a doctor or in a hospital if you fall ill.

The big difference is that private student health insurance offers good services at a very reasonable price.

The second advantage for Foreign students and language school visitors in Germany: shortly after the Online Application, you will receive by email already your insurance documents as PDF files. Since this private health coverage meets the official visa requirements, you can immediately use your insurance certificate for a visa application at the embassy or a visa extension at the local immigration office (Ausländerbehörde) in your city.

What is included in the health insurance?

You can choose from 3 different insurance tariffs:

• Standard/Basic Tariff:
  includes basic medical protection for all international students in Germany/Austria (from only EUR 24.50 / month).
  
  
• Comfort Tariff:
  get a partial refund of already paid premiums - read the entire conditions in the tariff details (from EUR 32.00 / month)
  
  
• Premium Tariff:
  We recommend the Premium tariff (from EUR 48.00 / month) for all students wearing glasses or having recurring problems with their teeth. The premium insurance tariff offers the most luxury and extras.

Our Recommendation:

In our opinion, the health insurance by Hanse-Merkur Versicherungsgruppe offers one of the best services for foreign students and language school visitors in Germany at a very affordable price.

The monthly premiums are very low and start from only EUR 24.50 per month.

If you need a Visa for Germany, a significant advantage for you is that you can apply directly online, and a short time later, you will receive by email all your insurance documents as PDF files.

Please print out these PDF files and use the documents for Visa Application or Extension at the embassy, consulates, or the local immigration office (Ausländerbehörde) in Germany.
More Details here ...

Visa application or visa extension at the embassy or immigration office

In our experience, this Incoming Insurance for foreign students is accepted by the German Embassy abroad as well as by the local foreigner office (Ausländerbehörde) in Germany. You will receive your insurance documents via email, generally within minutes of applying online. Print these documents and use the insurance certificate as proof of insurance for a visa application or visa extension.

Who is eligible for this health insurance?

The following persons can use the student health insurance for foreigners.
All foreign students who are getting an education or training in Germany or Austria like:

• foreign language students attending German courses (private language school or education center like Volkshochschule),
• students attending a DSH /TestDaF preparatory course (DSH is the German language university entrance exam for foreign students),
• language students during a language holiday,
• foreign Ph.D. students,
• participants of international projects at universities and colleges,
• scholarship holders,
• postgraduates,
• students who are part of an exchange program like DAAD, Erasmus, or Sokrates,
• International students on Working Holiday, Work & Travel or Work & Study programs, as well as other further education and study trips abroad.

Liability insurance and accident insurance

Besides private travel insurance for foreign students, it is highly advisable to take out personal liability and accident insurance as a package. The combination of private travel insurance plus liability and accident insurance is the best way international students can protect themselves from the high costs of liability for any damages.

Especially in Germany, the cost of self-inflicted personal injury or property damage can quickly go up into the millions. However, for the small additional amount of only EUR 2.00 / month, foreign students can protect themselves from the high costs of claims. If you wish to do so, please answer "Yes" under the option "Do you want to take out liability or accident and liability insurance?" when filling out the online application. With this complete package, you will be very well covered for the most risks during your stay in Germany or Austria.

Frequently Asked Questions by Foreign Students

1. Can I use this student insurance for obtaining my visa?

Yes, this insurance meets visa requirements and can therefore be used as proof of insurance. In our experience, this health insurance for foreign students is accepted by both the German Embassy abroad and also the immigration office (Ausländeramt) in Germany.

Within just a few minutes after applying online, you will receive an email with your insurance documents as PDF-files. Please print these documents and use the insurance certificate as proof of insurance for a visa application or visa extension, for example.

2. I am already in Germany and need to extend my visa for a continued stay in Germany.
Will the local immigration office accept this Incoming health insurance?

Yes, simply take the insurance certificate you received per email as proof of insurance next time you go to the immigration office (Ausländerbehörde). In our experience, the Incoming Health Insurance by Hanse-Merkur Versicherungsgruppe is accepted by all immigration authorities in Germany. Hence, you can apply there for a visa extension at any time.

3. How and when do I receive my insurance documents?

You will receive your printable insurance documents via e-mail shortly after your online application if all information is complete and valid:

• Insurance certificate
• Treatment vouchers
• Questionnaire for insurability
• Insurance Conditions

If your address is in Germany, the original copy of your insurance policy, pre-printed treatment vouchers, and an insurance card can also be sent by mail.

4. What if, later on, I do not receive a visa and cannot enter into Germany or Austria?

If a visa is not granted, and as a result, you cannot enter Germany / Austria, you can cancel your application at any time before coverage begins. Please cancel your travel insurance in writing via email, mail, or fax and include a copy of your letter of visa refusal. Please include all necessary data: insurance number, name, and reason for cancellation, as this is the only way your request can be processed expeditiously.

You can get a refund of paid premiums, less a processing fee of EUR 5.