Health insurance for international students?
All residents in Germany are obligated to have health insurance, as well as all students in Germany. You are free to choose a statutory health insurance plan, for example, the AOK/TK/ DAK ..., or one provided by a private Health Insurance Company. Health insurance fees are currently approximately €145 per month (01/2025). The health insurance membership is required for the university enrollment, and due from the semester of your enrollment, doesn’t matter you did arrive in Germany or not. As a result, doctor visits, hospital stays, and medical treatments generally require no additional fees or payments.
Student rates are only valid for students less than 30 years of age and during the first 14 semesters of study. For all other cases, health insurance is not available at the student tariff, but at higher rates.
TK Health Insurance for international students
Highly Recommended: Apply for a counseling - new start seminar ...
TK - The Health Insurance Online Seminar: https://online-terminvergabe-techniker.de/Portal/Event/SD0UPS
OVGU TK Contact: Andreas Ihle
International Students VISA + Arrival Support (EXPATRIO): https://www.expatrio.com/about-germany/tk-international-students
Students coming from the European Union States and from other countries where international insurance agreements exist are able to claim health insurance benefits in Germany without being insured locally. This possibility exists whenever students are insured by other family members or by an individual health insurance policy in their home country. In these cases, policyholders must certify their right to health insurance benefits by means of a special form that must be submitted (upon arrival in the Federal Republic of Germany) to a local office of the chosen health insurance. Your health insurance company will then issue a German Health Insurance Certificate.
We do recommend the purchase of third-party liability insurance as well. It is furthermore sensible to insure your belongings so that you can be reimbursed if they get damaged or stolen.
EU-Citizens:
Students from the EU, or from countries that have entered into a Social Security Agreement with Germany, may bring their "European Health Insurance Card" (EHIC) which they receive in their home country. Please be informed that it's highly recommended to change this EU card immediately after arrival in Magdeburg at the German health insurance of your choice.
For further advice please visit DAAD: Health insurance/ Krankenversicherung
TK (Health Insurance) Online Seminar: https://online-terminvergabe-techniker.de/Portal/Event/SD0UPS
International Students Support (Expatrio - a fee will apply): https://www.expatrio.com/about-germany/tk-international-students