Günstige auslands krankenversicherungen

Health insurance for Foreign Students in Germany
including any foreign language students, grant holders,
Graduate and Ph.D. students at universities and academies
from only €28 / month (up to 5 years) !
(also for visa application or renewal for Germany or Austria)

Insurance company:
Hanse-Merkur Reiseversicherung AG, Siegfried-Wedells-Platz 1, 20354 Hamburg

Visa: Application and Extension
Yes, you can use this insurance for Visa Application or Extension at the embassy and in the aliens department (Ausländerbehörde).
The insurance meets the current valid requirements for a Visa made by the decision of the European Union Council on 13.07.2009 and therefore can be used for Visa Application or Extension. The required minimum coverage of 30,000 Euro is ensured and is stated on the insurance policy.

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


Health Insurance for Foreign Language Students, Grant Holders and Graduate Students
(Any Foreigners in Germany during an Advanced Educational Program)


Your Issue:

Foreign language students participating at studies related to language courses in Germany, and grant holders or graduate students at German universities, can't be incorporated into the statutory health insurance in Germany (e.g. AOK, Techniker Krankenkasse(TK), DAK, BKK, BEK, GEK, or KKH), and make use of the inexpensive statutory student insurance. Additionally any foreign students and attendants of the German Studienkolleg who are older than 30 years, will have the exact same problem. In both cases you need to look for a cheap private health insurance for students (from ONLY 28 Euro per month, e.g. by Hanse-Merkur, more details here ...)


Very good Solution in your case:

For all foreigners in Germany with this problem, who are not able to join the compulsory health insurance system yet, there are special and relatively inexpensive private health insurance rates from only 28 Euros/month. This private health insurance will protect you very well from the high health care costs in Germany, including medical advice or treatment by a doctor, dentist or hospital.




Frequent Asked Questions from other customers:


1. Can I Use this Health Insurance for Visa Application or Renewal?

Yes, this insurance accomplishes the German Embassy's and Foreigners' Department's (Ausländerbehörde) visa requirements. After your online application, you will receive by email any necessary documents very soon, usually within a few minutes, and the documents can be printed at your home and immediately used for your visa application at the Embassy or Foreigners' Department.


2. What does this Health Insurance Cost?

There are 3 insurance tariffs to choose from: Basic, Comfort or Premium.

  • The basic tariff (from 28 Euros / month) includes the most important basic services, such as ambulant, stationary and dental treatments by a doctor or in a hospital.
  • The comfort tariff (from 35 Euros / month) even allows you to get a partial payback of already paid insurance rates, in case you did not claim any medical services within the last 12 months.
  • Our Recommendation: The Premium tariff (from 63 Euros / month)
    If you want the best service, look no further !

    If you have problems with your teeth or if you wear glasses, we strongly recommend the "Premium" insurance coverage.
    Here you have much more extra services like cost reimbursement for dental prosthesis, credit note if no claims are done in one insurance year, replacement amount in event of a severe disease, visual aids, hospital per diem rate and even accident-related dental prosthesis.

    The cost of the premium health insurance tariff is a little bit higher with 63 euros per month, but this tariff has excellent services for the price and we recommend the premium tariff as best option for the money.

Our Tip:

Save time and order now online the affordable health insurance for foreign students and language students in Germany or Austria. Monthly fees are very low, starting from only 28 Euros per month. You will get all documents immediately per email and can use them for your next doctor's visit, but also for Visa Application or Extension at the Foreigners' Department in Germany or German embassy abroad.


3. Who Can Make Use of this Inexpensive Health Insurance for Germany?

Please note: this inexpensive health insurance only applies to foreigners located in Germany or another EU /Schengen country, for education or advanced education. This applies to any foreign language students visiting a German course in a language school in Germany (even as language holidays), and grant holders, graduate students, PhD students and participants of international university and academy projects. The foreign health insurance also applies to any foreign students participating in an exchange program, such as DAAD, Erasmus, Socrates, a Working Holiday, Work & Travel or Work & Study.


4. German Embassy and Foreigners' Department in Germany Require
a Minimum Coverage of 30 000 Euros.
Does the private student health insurance accomplish these requirements?

A minimum coverage amount of 30 000 Euros per person is required for students to be eligible for a Schengen Visa. Thus, the health protection in all student tariffs (Care College Basic, Comfort and Premium) accomplishes all the requirements for a Schengen Visa made by the requirements of Regulation (EC) No 810/2009 of the European Parliament and the Council of the European Union from 07/13/2009. Actually in these tariffs, health insurance coverage is not limited to only 30 000 Euro, therefore, you will be able to use it for your visa application or renewal in the German Embassy or Foreigners' Department.

The Insurance Coverage in all 3 tariffs also accomplishes services according to §11 Abs-1-3 SGB V.

This international health insurance also covers the host in Germany against most financial risks of a formal obligation (Verpflichtungserklärung). A combination with an accident/liability policy (optional during the online application) reduces the remaining risks from a formal obligation (Verpflichtungserklärung) significantly.

Just a few minutes after your online application, you will receive your personal insurance certificate and treatments certificate by email. Any documents (original or printed) can be used in Embassies, Consulates, Foreigners' Departments and border stations, e.g. for your German visa application or visa renewal. Based on experience, these documents will be accepted by the authorities.


5. How fast do I get my insurance documents?

As soon as you have completed your online application, you will receive quickly all your documents by email, usually within a few minutes. The insurance policy can be printed at home and immediately used with your visa application or renewal in the German Embassy or Foreigners' Department.


6. Can I withdraw an arranged Health Insurance, in case the foreign student will not get a visa later?

In the event that the foreign student/ language student will not get an entry visa for any reason, you will still be able to cancel the insurance contract. In this case, please withdraw your contract immediately in written form, and you will receive the full paid amount, minus an administrative charge of 5 Euro.


7. Personal liability insurance and accident insurance

Liability insurance will protect you and your host family in Germany from claims arising from injuries or damage to other people or property. Especially in Germany, where costs can raise up to some millions, this insurance is very important. During your online application for the student private health insurance, you will get the chance to order additionally a personal liability insurance and an accident insurance (starting from only 2 Euros per month). We strongly recommend doing this. Be on the safe side and simply check "Yes" in the field "Do you want to take out liability and/or accident insurance?"


Health Insurance for Foreign students older than 30 years of age or who have studied more than 14 semesters

All foreign students older than 30 years of age when they arrive to Germany to study will not be able to use anymore the cheap health insurance from the German national health insurance companies. The least expensive option for all these foreigners in Germany will be to arrange a low priced private student health insurance (e.g. from only 28 Euro / month, more details here ...).

In Germany, costs for doctors and hospitals are extremely high, so be careful. Furthermore, as a foreigner, you will have to have a proof of the health insurance coverage when you apply for, or renew a visa for Germany. You will need confirmation of health insurance coverage also to enroll at German university.

Apply Now online and Save Time and Money
If you apply for the health insurance online, you will get your insurance documents per email immediately within a few minutes. You can print and show these documents for example to the Foreigners' Department as a proof of insurance coverage.


Our Recommendation: The inexpensive health insurance for foreign students and language students from only 28 Euro per month ...



Another Great Alternative for All Students Over 30 Years Old:

Any German and foreign students over 30 years old can often save money, if they change to a private health insurance. Therefore, we recommend that you make sure to use the free private health insurance comparison. It is 100% free and without any compromise for you.


Travel Insurance / Travel Health Insurance for Foreigners in Germany

Students from other EU counties or from countries with a "Social Insurance Agreement" can be insured in Germany by this cross-national agreement, if they are insured in their home country. A student has to present an EHIC card (European Health Insurance Card) of his home country, or the form "E 111", when he or she matriculates with a German university.

In the event of an illness, you would have to get the form 80 or 81 from a German national health insurance company. With this form, you can go to the doctor, and he/she will directly account the statutory health insurance. Then, the statutory insurance will account your health insurance company in your home country. However, all students should note that the German health insurance only pays the basic necessary treatments to the attending physician. This is similar to travel insurance / travel health insurance, and will not cover any other services such as preventive checkups, or treatments of chronic diseases. Therefore, we strongly recommend getting additional travel insurance for Germany. A private liability insurance and accident insurance may also be profitable in Germany. Before departure, please ask your foreign health insurance about an insurance coverage for your educational stay as a student in Germany or Austria.


Online Tip:
Travel insurance and health insurance for foreign students and language students in Germany, from only 28 Euro per month. Apply now and you will get all your documents immediately by email.


Health Insurance for Foreign Students Under 30 Years Old

Foreign students at universities, colleges and academies are subject to statutory health insurance until their 14th semester or maximum until they reach an age of 30. This means: up to this point, you can join the national health insurance (e.g. AOK, TK, DAK, BKK, BEK, GEK, KKH) and use their inexpensive health insurance premiums. All compulsory health insurances (GKV) in Germany pay any necessary costs for physicians and hospital, as well as medicines prescribed by a physician, with only a little co-payment. The student rates are basically the same in all national health insurances (for example from 01.01.2017: min. 82.88 € for students under 23 and min. 84.50 € for students over 23 years old and without children). Nevertheless, there are some huge differences among the national health insurances, especially in regards to certain services and extras, such as back exercises. Therefore, please compare all services in detail.
You can do this here for free: Comparison of the statutory health insurance companies in Germany.


Knowledge of German Language

Would you like to study at a German university, college or academy? All foreigners who wish to study in Germany should have a sufficient knowledge of the German language. This is the only way to successfully participate as a foreigner in lectures, seminars, exercises, or exams. You should inform yourself about the ways to learn German in your home country. Of course, you can also participate in German classes in private language schools or visit adult evening classes (Volkshochschule). You can also learn German in an integration course in Germany. Then you will only have to pay a small fee, or the language course will be totally free for you.


Language exams

When you begin your studies in Germany, you will have to take an exam that evaluates your knowledge of the German language.

An option is the German Language Exam for university access of foreign university applicants at a university or college (DSH). The universities/colleges have all DSH exam dates. Please contact your university foreign academic department.

The second option is TestDaf (Test German as a Foreign Language), which can be taken abroad, too. You will find all addresses of exam centers on the TestDaf Homepage. It is recommended to contact the Foreign Academic Department of your university, even if you choose to take the TestDaf test. The Academic Foreign Department of most German universities often offers its own preparation courses for a targeted preparation for your studies in Germany.



 


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