For example, an employer is obligated to pay his sick employee so the later will be able to pay his/her insurance and everyone involved in the plan benefits. Normally they will guide you through the whole process and paperwork needed. Get GERMAN STUDENT INSURANCE The uncomplicated insurance for foreign students in Germany. When it comes to health, you are on the safe side with us. They will give the details and the paperwork required for your entitlement to their insurance framework. How long can I stay without being insured? After the end of this period of time, you’re free to decide if you want to change because of premium policies or other conditions. There are plans available for foreign students who are staying in Germany to learn the language or study at university. The insurance policy covers not only the stolen objects, but additionally the damages caused by the burglars. When getting insured under the European Health Insurance scheme, you will also receive some other documents in letter form apart from your EHIC card. It is important that the EHIC is strictly limited to a number of medical services to the insurer. Ph.D. academic staff working at the university and needing to pay social security fees are automatically covered by the statutory policies. Statutory health insurance in Germany provides a range of services and benefits including: Medical and dental treatment; Medicines; Hospital treatment; Sick pay; Health insurance payments in Germany are deducted at source and contributions are split between you and your employer. The student health insurance plans in Germany are so affordable and so stable because students have access to special rates through the public statutory (legally mandated) health insurance providers. One of the largest statutory health insurance companies in Germany, we give roughly 6.3 million people peace of mind when it comes to their health and cases of illness. Great benefits, expert advice and customer service tailored to your needs and interest. Experts recommend adapting the scope of insurance cover to the individual requirements. This is generally what Iâm referring to as student health insurance in Germany. The health insurance plan EDUCARE24 by a well known German health insurance company DR-WALTER is a perfect choice for all foreign students. Most doctors and pharmacists in Germany know English or any other language so communication won’t be any problem and you will address your health concerns easily. Does my insurance plan cover me when I’m home on holidays? This time limit is usually two weeks or so. If you’re privately insured your medical care will normally include more health coverage. Years later, after the E111 was replaced in 2005, the European countries increased their commitment to widening the participation. In addition, a lot of further insurance policies can be taken out voluntarily to cover individual risks. After returning home, your health insurance provider will reimburse your insurance account. Also, take care of exactly knowing what your insurance covers abroad if you don’t want to go beyond that and end up paying too much. What does that mean for you? The fire insurance bears all these financial burdens, including the costs for non-residence, the fire service costs or the damages caused by the firefighting water. In terms of tariff and insurance provider there are a number of other factors to check. Note that the new medical reform that introduced the Gesundheitskarte is not available in every Federal state. 2. are insured. How much money can a student earn in Germany? Surely, your insurance will only cover basic needs until your relative can return home for further rehabilitation. What if I suddenly get sick in Germany while in a short visit? However, exchange students are usually part of degree programmes which means that they will be eligible to take up public (statutory) health insurance and make use of the student discounted amount like full-time foreign students in Germany. You receive comprehensive health services like medicine cost absorption, choice of hospitals and fixed allowances for dental prosthesis as well as exclusive additional services with added financial value. Because, DR-WALTER in cooperation with TK has developed an online consulting tool which will not only help you identify your insurance needs but, also will allow you to directly apply for insurance. But students in Germany are also assigned for another type of insurance, the long-term care insurance. Depending on your destination the usual health insurance may not be applicable during your holiday. Over 8.6 million policyholders place their trust in us. There are specific officials and sections that deal with the health issues of the refugees accommodated there. When getting a GKV health insurance you must read carefully what it covers, because if you go beyond its coverage you’ll have to pay on your own. Student cover with TK costs the standard (discounted) monthly amount of â¬105.05 (students under the age of 23) or of â¬106.93 (students aged 23 to 30) for long term care, which covers both basic public healthcare and nursing insurance for care in later life. The intention behind the introduction of the mandatory health insurance in 2007 was that every citizen has the basic medical needs covered by its GKV health insurance. Students who have health insurance in their home country and it is recognized in Germany. Individual states that comprise the country of Germany set their refugee health insurance policy on their own. Exchange students are usually in Germany for a short period of time, typically one semester. Most objects in a house or flat are insured against numerous causes of damage, including burglary, water damage or destruction. This includes refugees seeking asylum in Germany, regardless of their citizenship status. Duties of Federal Health Ministry include maintaining the health care policies in Germany and assisting these institutions for carrying on the health care services. It meets all German study visa requirements, Acceptable by all German Embassies/Consulates. If you are a student under the age of 30 enrolled in a degree programme at a German university, you can choose to register with a public health insurance provider so you can benefit from the statutory health insurance scheme. The accident insurance is applicable, if the insured person’s health is severely impaired either by permanent disability or a long recovery process as a consequence of an accident. This wide range of policies which is rather confusing for non-professionals bears the risk of over-insurance. Some of most reputable language schools offer language learning courses and programs that require you to stay for a few weeks or months in Germany, and because you’re essentially going to live there, the German law requires you to have insurance. The figures are per-capita expenditure, i.e. Also, you’re free to ask their counselling services for still more specific procedures on how to seek health insurance as for the other needs you may have through the way. 9. Every person should estimate his/her individual risk to find out whether it is necessary for him/her to take out such an accident insurance. Note, however, that Denmark, Norway, Switzerland, Liechtenstein and Iceland don’t accept the non-EU residents EHIC cards. It not only ensures you in situations requiring medical assistance, but it is also an essential requirement in order to be granted a study visa for Germany. To a larger degree, this depends on the university’s own policy, so we suggest you contact them in person for details. At the moment when you’ll get the medicines, you’ll have to pay and then send the receipts to your health insurance company which is supposed to take care of reimbursement. This insurance policy covers personal and property damages which arise from an accident caused by the motorist. More information can be found on Reiseruecktrittsversicherung-Tipps (German language). It is always important to be aware of the services that private health insurances offer before signing a contract. While you are living and studying in Germany, you are tied into the German healthcare system. However, until that happens, preparatory course students must have health insurance, in this case from private health insurance providers in Germany, like EDUCARE24 by DR-WALTER. Non-prescription medicines must be paid in full. You can’t get insured under the public insurance system as a preparatory course student. Additionally, they should make sure to check with their health insurance provider in order to find the services they will be entitled to once they arrive in Germany since there is a possibility that the health insurance company from their home country will not cover all costs in Germany. On the other hand, whether you choose public or private health insurance is upon your decision and it depends entirely on your earnings. It is mandatory to have health insurance in Germany. International students in Germany enrolled in a degree programme in most cases are eligible to obtain low-cost public insurance. The premium rate you pay for your public health insurance is not the same as for the private health insurance. We take care of everything when it comes to your health so that you can focus on your studies. We are thus growing more than other health insurance funds. Exchange students are usually in Germany for a short period of time, typically one semester. It is possible for these students to rely on their European Health Insurance Card to cover healthcare services. In addition, PhD students employed by the university are not required to take care of the health care insurance on their own since it is usually taken care of by the university. For more information about this kind of insurance, make sure you check out PROVISIT by DR-WALTER. It wholly depends if there’s any agreement between respective states, therefore your country and Germany. Health insurance/nursing care insurance. Fortunately, the current legal regulations are shown to be very flexible, giving the immigrants an opportunity to seek more specific medical aids if needed. And surely breaking the law means you’ll be charged a fine. Health insurance for ⦠Private Health Insurance (PKV) 4. 2. Please ensure that you complete the form in full, - please also print, sign and bring with you when attending for your Visa appointment. This includes pre-existing chronic illness like the kidney dialysis, the emergency cases and unexpected accidents. Disabled people can seek help from a nurse practitioner to do bathing, feeding and similar daily activities. Health insurance is also mandatory for all employees and students in Germany, so you will not be able to start working or studying without it. First thing, first. Common medical services refugees in Germany can seek: 15 months from the first day at the immigrants’ reception center, the refugee is eligible to seek statutory insurance in Germany. Although this is to say you need to be insured every moment in Germany, there may be a time-limited tolerance, but very narrow. well. After that, you’re free to decide if you want to continue with them or change to another company whose offer seems more attractive to you. In 2013, 32 EU countries, including Switzerland agreed on creating a joint European healthcare system. You or insurance providers: who pays for remedies? PhD students can be divided into two categories: In case a PhD student is employed by their university in either a lecturing position or as a research assistant, they will be required to pay the contribution of 7.3% matched by another 7.3% from their employer. TK student insurance does not only include the benefits you are usually offered by German health insurance providers. Health insurance in Germany is mandatory by law. Also, you need to contact a Residence Registration Office and tell them you want to cancel your insurance. Clearly, the list above doesn’t include the Channel Islands, the Isle of Man, Monaco, San Marino and the Vatican. However, in 2015, the threshold was 54,900€. The healthcare system in Germany. After 15 months of residing in Germany, refugees can get this insurance card. We publish news about the latest German higher education system changes and education policy updates, as well as a vast amount of informational content, articles, and research about studying in Germany for international students. You must have a thing clear from the very beginning, health insurance is mandatory by law in Germany. All foreigners living and working in Germanycan access subsidized state healthcare, but it is mandatory for all residents to have some form of health insurance. If you’re in a temporary stay in Germany and get suddenly sick your health insurance in your home country covers your medical needs in specific circumstances, otherwise not. Under new reforms in the health insurance law in Germany, every resident who earns less than €60,750 per year or 5,063 per month, so to say, it’s obligated to take its GKV. You do not have to find out yourself whether you can take out TK student insurance in order to insure yourself for your stay in Germany. All you need to do is to show your membership chip card and your provider will take care of everything. If you’re an international coming to Germany you need to register for the mandatory health insurance scheme within 30 days from the day you register at a residence address. Compiling your insurance portfolio, you should consider very carefully which insurance policies are economically reasonable and affordable for you. Note that the German health care system may still apply when you’re abroad. Comparing Europe with Germany, the statutory health insurance or private health insurance pays for the illness costs to a similar extent. If you’re going to study in Germany for a semester or a year, as an exchange student or with programs such as Erasmus, you’re going to need a proper insurance plan. The third-party liability insurance, the insurance on household contents, the fire insurance, the residential building insurance and the automobile liability insurance are the most important property insurances. A comprehensive health insurance plan increases your chances of getting your student visa. Except for particular countries with whom the German state doesn’t have a bilateral agreement, your German health insurance plan is supposed to cover you even when you’re staying home during holidays. How can I conclude TK student health insurance online? Ph.D. students employed as research assistants at a university or other higher education institutions are covered by social security – therefore, statutory health insurance is obligatory. Once you are a resident in Germany, it is compulsory to register with either a statutory German health insurance scheme (gesetzliche Krankenkasse, GVK) or a private insurance scheme (private Krankenversi⦠This normally applies in specific circumstances, for example, in emergency cases, or you need a treatment because you get acute symptoms or you’re an expectant other. As an expectant mother your EHIC will cover only if you give birth to a child even though you were not expected to do during that period. The public health insurance has a limited geographical coverage as opposed to a private health insurance provider which most of the time have a wider coverage. 50% of the insurance contributions are paid for private old-age provisions. 12. Once you find the one it suits you must initiate the process of the health insuring by contacting your chosen provider. A fire breaking out in a building can destroy everything within seconds. As a result, you will need health insurance. Every month the insured person receives a fixed amount that allows him/her to make a living. Furthermore, the limits at which the EHIC coverage extents differ from country to country, depending on each health insurance policy. Students enrolled in language courses in Germany must also have student health insurance. Germany is one of the countries that welcome thousands of guest workers, researchers, and scientists. Most Ph.D. students should get private health insurance plans. In that case they do not have to make any income related contributions towards health insurance. The healthcare insurance services in Germany are carried by insurance providers. Under the European health insurance scheme reform, the former E-certificates were replaced by a group of more comprehensive documents, with one of them being the EHIC card. Below are some important notes everyone holding this health insurance card must be aware of: Your EHIC card can be pursued in your home country and can be issued by your statutory health insurance provider. © 2020 Studying in Germany - All Rights Reserved. Further on you can switch between them easily. The travel health insurance does not only pay for the illness costs but additionally bears the costs of the medically required return transport to Germany. Once you get admitted and land in Germany you must seek your health insurance plan. Private insurance providers offer a variety of services that are not covered by statutory health insurance providers. Other types of health insurance for Expats in Germany: Germany Visa in the UK Germany Visa in the US Germany Visa in India Germany Visa in Dubai. However, exchange students are usually part of degree programmes which means that they will be eligible to take up. On the other hand, the GERMAN STUDENT INSURANCE by DR-WALTER is a customized insurance plan for international students in Germany. If you want to have peace of mind and know that you’re not going to pay large medical bills when you get sick in Germany, it’s recommended that you get yourself a plan tailored for international students. Lucky for you. As a foreigner, you cannot take out statutory insurance if you have reached the age of 30 or have started the 14th semester of studies in Germany. b. Similar to other insured citizens, refugees must share a percentage of their earnings to cover their health insurance. In this context, you must personally ask your health insurance provider and other relevant national authorities in your home country and they will inform you in details. This includes both medical consultation and questions centred on DAK-Gesundheit’s offers. It is most popular with students, whether they are domestic or international. In the following we will clarify for which insurances/ provisions the money is spent and which insurance policies are common in Germany. These refugees mostly come from areas of conflict like Syria, Iraq and Afghanistan and because of this a large number of them are either injured or have some kind of illness. Finally, they set a time limit after which you’re no longer entitled to the health insurance program in Germany. The introduction of this law was done after a medical reform in 2007. In general, insurances can be sub-divided into two large types: the personal insurances on the hand and the property insurances on the other hand. All salaried workers in Germany, whose gross monthly income is less than 5,213 EUR (5,800 USD) and whose annual income is less than 62,550 EUR (69,600 USD) as of 2020, must have public health insurance, also known as gesetzliche krankenversicherung (or GKV). In 2013, EU countries initiated a joint health care system so the citizens of each other could get required medical treatment all covered by their health insurance in their homeland. However, since these students are not yet enrolled in their degree programme, they cannot register with a provider of public health insurance for international students and will have to get a private health insurance plan. Additional information for self-employed or non-employed persons 6. To increase your chances of getting your student visa it’s best if you get your health insurance proof at a reputable provider such as DR-WALTER. Basically, a portable document is what makes sure you to be covered in certain circumstances while being abroad. By the end of their preparatory course, these students should pass an exam known as Feststellungsprüfung which will allow them to enrol in their degree programme. 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