How to Find Health Insurance for International Students in Germany

Looking to save money on your health insurance bill while living in Germany? Here are a few ways you can do so. (If you’re reading this, you’ve probably already figured out that living abroad is expensive! But what if you could cut your costs by half or even by third? How would that change your life?) In this blog post, I’ll discuss how you can find affordable health insurance for international students in Germany. Check out my other blog posts for more great tips on how to live and work in Europe.

How to Find Health Insurance for International Students in Germany

Everyone knows that health insurance is expensive in the U.S. and even more costly to be an international student here. Before you sign up for any health insurance, ask yourself these questions: How much do I usually spend on medical expenses? What is my average cost of covered medical expenses per month? Will the monthly price be a problem for my budget? If the answers to those questions are “not much” or “viable,” then finding affordable health insurance for international students in Germany may not be such a bad idea. This article will outline everything you need to know about getting insurance from the government-run healthcare system and private insurers and whether they offer cover for medical expenses outside your average costs.

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What is the Health Insurance for International Students in Germany Like?

The majority of students in Germany are covered by government-run healthcare, but there are also plenty of lower-cost options. If the public system does not protect you, you might have to pay a monthly fee for the privilege of private insurance. The coverage is unlike American Health Insurance, which is often very expensive. The range in Germany is often cheaper than you’d find in the U.S., but it’s not as cheap as in other European countries. If you’re on a tight budget or don’t mind paying a small fee for a lot of coverage, then private insurance might be a better fit.

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What is the Coverage Like?

Like in many countries, health insurance in Germany is either public or private. You can choose between national health insurance or an Obamacare-compliant personal insurance plan. For students, the general program is Hohe Versicherung (HVA), funded by taxes on the German population. It covers everyone regardless of income or medical conditions. Private insurance is called Unfallversicherung, which is abbreviated to UV. Most students can choose between the Basic and the Plus types of UV insurance. The Plus includes many more services and is often lower cost than the Basic. If you have a lot of medical conditions or expensive injuries that make you more likely to require an accident or medical claim, you may wish to consider private insurance.

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How to Apply for Health Insurance in Germany

You can either start an online insurance application or apply in person at a health insurance office. To start the online application, go to www.dida.de and enter your information. You can also call 1-800-DID-A (1-800-899-AIDS) to speak with a customer service representative. If you’re in Germany and you want to apply for health insurance, you can go to any one of the following dozen health insurance offices:

  1. Stadt Medizin
  2. – Frankfurt/Main: Frankfurt/Main Stadt Medizin
  3. – Würzburg: Würzburg Stadt Medizin
  4. – Augsburg: Augsburg Stadt Medizin
  5. – Köln: Köln Stadt Medizin
  6. – Hannover: Hannover City Medizin Berlin: Berlin

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How Much Does Health Insurance Cost in Germany?

For comparison, here’s what health insurance in the U.S. costs: Coverage: The amount of health insurance covered against medical bills and certain hospital costs. The amount of health insurance covered against medical bills and certain hospital costs. Premium: The amount you’ll pay monthly (over the years) to cover the plan's cost. The amount of money you’ll pay per month (over the years) to cover the plan's cost. Deductibles: The amount of money you have to pay out of pocket for every medical or hospital bill you have if you cannot pay them.

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How to find Health Insurance for International Students in Germany

You can paper leaflets through the health insurance pages at any of the locations listed above, or you can use the contact information on this page to start your search. Make sure to ask as many questions as possible, as the paperwork required for various insurance types varies by company. You can also find insurance companies by region or state or by looking up insurance companies by name.

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Conclusion

Health insurance for international students in Germany is not as expensive as in the U.S., but it’s not as cheap. The coverage is not as comprehensive as it is in the U.S. and, depending on your needs, may not cover all of the expenses that you’ll incur. You can learn more about health insurance for international students in Germany by starting your research by going to one of the dozen health insurance offices listed above o by calling the customer service number on this page. And for those students unaware of the insurance options, we hope this article helped you become aware of them.