Health insurance, made simple
You need German health insurance for your visa and to enrol. Tell us a bit about you and we'll point you the right way.
Which insurance fits me?
What will you study?
Are you from the EU/EEA with an EHIC card?
Our suggestion
Public (statutory) health insurance
- Degree students under 30 get a subsidised student rate (about €140/month).
- Covers doctor visits, hospital and most medicines with no extra paperwork.
Careful before going private: if you opt out of public insurance as a student, you usually can't switch back for the rest of your studies.
Getting insured, step by step
- 1Choose an insurer before you travel and apply online.
- 2Ask for proof for your visa (many blocked-account packages include incoming travel cover).
- 3Your insurer sends your enrolment proof digitally to the university — paper cards aren't accepted.
- 4After arrival, activate your membership and receive your health card (eGK).
Popular public insurers
Techniker Krankenkasse (TK)
Large insurer with English support and app.
Barmer
English service for international students.
AOK
Regional offices across Germany.
Listed for convenience, not a recommendation or partnership. Rates are approximate — check with the insurer.
Seeing a doctor in Germany
Family doctor (Hausarzt)
Your first stop for most problems. Book via Doctolib or by phone.
116 117
Out-of-hours medical help when practices are closed.
112
Emergencies only — ambulance or emergency room (Notaufnahme).
Bring your card
Show your health card (eGK) at every visit.
Next: plan your first-year costs or check your visa checklist.