{"id":51824,"date":"2026-08-05T11:29:22","date_gmt":"2026-08-05T09:29:22","guid":{"rendered":"https:\/\/www.thh-friedensau.de\/student-handbook\/qr_059\/"},"modified":"2026-08-05T13:34:16","modified_gmt":"2026-08-05T11:34:16","slug":"qr_059","status":"publish","type":"page","link":"https:\/\/www.thh-friedensau.de\/en\/student-handbook\/qr_059\/","title":{"rendered":"QR_059"},"content":{"rendered":"

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Health Insurance for International Students<\/h1>\n

Health Insurance in Germany is Obligatory for all Students<\/h5>\n

According to the student contract \u00a7 VI.2 and XII.1 (d) and the German law every student has to provide evidence of a valid health insurance. Friedensau Adventist University has prepared the following information regarding the health insurance in Germany.<\/p>\n

In Germany, there is a compulsory health insurance for students by a statutory or a private health insurance provider. This means that as you proceed through your studies you must continue to pay health insurance contributions. Proof of health insurance is also absolutely essential for applying or for extending your residence permit\/student visa. If you do not have a health insurance policy, you cannot register (matriculate) at any university in Germany. So please do not forget to take out health insurance shortly prior to your arrival. The admissions office of our university will help you in this matter.<\/p>\n

Private or Statutory (Public) Insurance?<\/h5>\n

Up until you turn 30 years of age (or up to the 14th full study semester) you must essentially be insured by a statutory health insurance carrier. At present, the monthly statutory health insurance contributions for students under 30 years of age amount to around 155.00 EUR per months (student rate), for students older than 30, who wish to stay with the public insurance, above 200.00 EUR per month (volunteer rate). Spouses and children of the insured person are also covered by statutory insurance without paying more, if they have no personal (or only little) income.<\/p>\n

After a student turns 30 years of age and is no longer eligible for statutory student insurance, he\/she may choose private insurance or, in many cases, voluntary statutory insurance.<\/p>\n

If you decide to take out a private health insurance policy you will pay, for example, by Mawista 55.00 EUR per month (accident and liability insurance included).<\/p>\n

Further information you can find on the website of Mawista<\/a>.<\/p>\n

After a student turns 40 years of age, he\/she can take Provisit Student health insurance by another private insurance provider Dr. Walter\/Educare 24 with monthly payment of ca 200.00 EUR (may vary depending on age and product variant).<\/p>\n

Further information you can find on the website for \"provisit student<\/a>\" or on the website for \"provisit student advantages<\/a>\".<\/p>\n

Every family member (a spouse and children) has to pay his\/her own insurance contribution by a private insurance provider. Private insurance companies, including Mawista or Educare 24\/Dr. Walter, do not cover expenses caused by treatment of chronic diseases, which the students had before they come to Germany. For treatment of these diseases, the students have to pay privately. Please also note that if you choose a private health insurance carrier, you cannot switch to a statutory company any more. You will have to stay with a private company until the end of your studies (exception: students of preparatory courses such as a German course or after employment in vacation time).<\/p>\n

Who Needs what Kind of Insurance Coverage?<\/h5>\n

In principle, the following applies<\/strong>: To study in Germany, students under the age of 30 (or up to the end of the 14th full study semester, whichever comes first) are generally required to be insured with a statutory health insurance provider. Students who are no longer eligible for statutory student health insurance (usually after the age of 30 or after the 14th full study semester) can take out a private health insurance policy. At Friedensau Adventist University, we cooperate with Mawista and Dr. Walter.<\/p>\n

Exception \u2013 exceeded the age limit of 30 years<\/strong>: If you are more than 30 years old (or have completed the 14th academic semester), you can no longer make use of the favorable student rates offered by the statutory health insurance carriers. You then have two options: firstly, to take out voluntary health insurance coverage with a statutory health insurance carrier (which costs over 200.00 EUR per month) or, secondly, take out a private health insurance policy (which costs for example ca. 55.00 EUR per month for students under 40 by Mawista insurance provider).<\/p>\n

Please also note that private insurance companies generally provide more limited coverage than statutory health insurance. Depending on the tariff, treatment of pre-existing medical conditions may be excluded or only covered to a limited extent. Preventive examinations, routine check-ups and some other medical services may also not be included. Students should therefore carefully read the insurance conditions before taking out a policy.<\/p>\n

For this reason, we strongly recommend that students over the age of 30 who have pre-existing or chronic medical conditions choose voluntary statutory health insurance, even though the monthly contribution is higher. The broader coverage may help to avoid significant medical expenses during their stay in Germany.<\/p>\n

Exception \u2013 Social Security Agreements<\/strong>: Germany has concluded social security agreements with a number of countries, including the member states of the European Union (EU), the European Economic Area (EEA) and Switzerland. Under certain circumstances, students from these countries may remain insured through their health insurance provider in their home country.<\/p>\n

Before travelling to Germany, please check with your health insurance provider whether you are entitled to receive medical treatment in Germany and which documents you need to present. In most cases, students from EU\/EEA countries and Switzerland should have a valid European Health Insurance Card (EHIC) or another document issued by their health insurance provider.<\/p>\n

Please note that foreign health insurance providers may not reimburse all medical expenses incurred in Germany. Any costs that are not covered by your insurance must be paid by you.<\/p>\n

All about Patient Rights<\/h5>\n

The following information explains your rights and responsibilities when receiving medical treatment in Germany and dealing with your health insurance provider.<\/p>\n

Find Out About Your Insurance Benefits and Possible Costs in Advance<\/h5>\n

Being a member of a health insurance plan does not automatically mean that all medical costs will be covered. Before receiving treatment, especially expensive treatment, please check with your health insurance provider which services are included and which costs you may have to pay yourself.<\/p>\n

The services covered depend on the type of insurance you have. Statutory health insurance generally covers medically necessary medical treatment, prescription medication, hospital treatment, therapies (such as physiotherapy), and rehabilitation measures according to German regulations. Private student insurance plans may have different conditions, limits, and exclusions.<\/p>\n

Depending on your insurance plan, you may have to pay certain co-payments or costs yourself. Some medical aids, treatments, or services may not be covered and must be paid privately.<\/p>\n

Always Carry your Insurance Card with You<\/h5>\n

If you are insured with a statutory (public) health insurance provider in Germany, you will receive an electronic health insurance card (eGK). Please carry this card with you whenever you visit a doctor, dentist, hospital, or other healthcare provider. The healthcare provider uses the card to settle the costs directly with your statutory health insurance provider. In most cases, you do not need to arrange payment yourself.<\/p>\n

If you have private health insurance (for example, MAWISTA or Dr. Walter), you will receive an insurance card or proof of insurance from your insurance provider. Please carry it with you whenever you visit a doctor or other healthcare provider. The procedure for settling costs depends on your insurance tariff. Please follow the instructions provided by your insurance company regarding invoices and reimbursement.<\/p>\n

Free Choice of Doctors and Hospitals<\/h5>\n

In Germany, you are generally free to choose which doctor and which hospital you visit.<\/p>\n

If you are insured through a statutory (public) health insurance provider, the doctor you visit must normally have a contract with the statutory health insurance system (a so-called Vertragsarzt or Kassenarzt). If you visit a doctor without such a contract, you may have to pay the treatment costs yourself.<\/p>\n

When choosing a doctor, please check the doctor's medical specialty and area of expertise. In Germany, there are general practitioners (Allgemeinmediziner or Haus\u00e4rzte). You normally visit these doctors for everyday illnesses (such as a cold or stomach problems) or when the cause of your symptoms is unclear. If necessary, the general practitioner will refer you to a specialist (for example, an internist, ophthalmologist, orthopedist, or gynecologist). However, in most cases you can also make an appointment directly with a specialist without a referral.<\/p>\n

Doctors who have a contract with statutory health insurance settle their fees directly with the statutory health insurance provider. If you have private health insurance (for example, MAWISTA or Dr. Walter), please follow the reimbursement procedure of your insurance provider.<\/p>\n

Hospital Treatment<\/h5>\n

There are public, charitable, denominational, and private hospitals in Germany. As a rule, admission to hospital is arranged by a doctor. In principle, patients may choose the hospital themselves, provided that the hospital is suitable for the required treatment and recognized by their health insurance provider.<\/p>\n

Statutory health insurance covers medically necessary services during a hospital stay, including medical treatment, nursing care, medication, medical aids, accommodation, and meals. Adults with statutory health insurance must pay a co-payment of 10.00 EUR per calendar day, limited to a maximum of 28 days per calendar year.<\/p>\n

Students with private health insurance (for example, MAWISTA or Dr. Walter) should check their insurance conditions regarding hospital treatment, payment procedures, and reimbursement before receiving treatment.<\/p>\n

Many Madicines and Drugs only Available by Prescription<\/p>\n

In Germany, medicines are available from pharmacies (Apotheken) and, in some cases, from approved online pharmacies. A distinction is made between non-prescription medicines and prescription medicines, which require a prescription from a doctor.<\/p>\n

Statutory health insurance generally covers prescription medicines that are medically necessary. However, patients usually have to pay a statutory co-payment (a personal contribution) for prescription medicines.<\/p>\n

Admissions Office
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[vc_row][vc_column][vc_column_text] Health Insurance for International Students Health Insurance in Germany is Obligatory for all Students According to the student contract \u00a7 VI.2 and XII.1 (d) and the German law every student has to provide evidence of a valid health insurance. Friedensau Adventist University has prepared the following information regarding the health insurance in Germany. In […]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":50072,"menu_order":58,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"coauthors":[13,123],"class_list":["post-51824","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/pages\/51824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/comments?post=51824"}],"version-history":[{"count":3,"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/pages\/51824\/revisions"}],"predecessor-version":[{"id":51832,"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/pages\/51824\/revisions\/51832"}],"up":[{"embeddable":true,"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/pages\/50072"}],"wp:attachment":[{"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/media?parent=51824"}],"wp:term":[{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.thh-friedensau.de\/en\/wp-json\/wp\/v2\/coauthors?post=51824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}