How much does my membership with a Krankenkassen last? 4. A refugee is supposed to undergo regular medical check-ups to come up with a conclusion over his health situation. With TK student insurance you profit from a wide range of benefits at low premiums. The following countries are part of the European Health Insurance agreement, therefore citizens of these countries are allowed to pursue an EHIC: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden Switzerland and United Kingdom. In fact, you can’t enroll in university or get your student visa if you don’t have proper coverage. Even if a medical treatment abroad is more expensive than in Germany, the insurance will bear the costs up to a stipulated maximum amount (fixed allowance). For international students in Germany, to significantly increase your chances of getting your student visa you need proof of a suitable insurance plan for students. The healthcare system in Germany. Information on health insurance for students (FAQ) AOK â a smart choice. The Gesundheitskarte is an electronic insurance card. So, have in mind, that while for the university application, there’s no need to be health-insured, when it comes to being enrolled at the university you need to be insured otherwise the University will turn down your admission. You can handle a host of matters simply online at www.dak.de in a special data-protected area. Health insurance plans for refugees cover only basic medical needs, but if there’s an emergency there are exemptions. Outpatient care by a licensed medical practitioner (Kassenarzte), The difference between public health insurance and private health insurance in Germany, Medical care coverage is different for each insurance scheme, You pay different premiums for public and private health insurance, As a GKV insurer, you pay a nominal fee in hospital. As the amount of such damages may easily threaten the existence of both homeowners and tenants, they are recommended to protect themselves against the financial burdens which may accrue from a fire. This amount of money needed to be paid for your public insurance may change. If you want to calculate how much you will have to pay for health insurance in Germany, you can use this free tool. Moreover, the third-party liability includes passive legal protection, i.e. After a refugee lives in Germany for this period of time he/she is entitled to the German insurance and social assistance scheme. One of the services TK provides is also an online 24/7 service in English for all those who do not speak the German language. It is important that the EHIC is strictly limited to a number of medical services to the insurer. First things first. Preventive health care and the best possible treatments in the event of illness are crucial to the quality of life. It is estimated that more than 87% of the population in Germany have their health insurance covered. Make use of the time now. When you get your health insurance plan you basically sign a contract with the Krankenkassen company and as any other contracts, it has its own conditions and terms. Just like for normal students in Germany, health insurance is also mandatory for refugee students who want to attend university. Getting health insurance as an exchange student in Germany is pretty simple. 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. 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. You can rely on TK – as a modern service provider and with the backing of a big social health insurance fund. How do I get a health insurance in Germany? As neither the maximum reimbursement amount nor the duration of payment is limited, the worst case may feature lifelong payments and a life in poverty. Understanding the organization and the way it functions is very important before seeking a health insurance. Depending on your destination the usual health insurance may not be applicable during your holiday. The application process as mentioned before can be carried online. Currently, the social grants to refugees are around 4,800 per year, or slightly over 400 per month and 2% of this income must be allotted to paying health insurance. This insurance policy covers personal and property damages which arise from an accident caused by the motorist. 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. It is mandatory to have health insurance in Germany. It is possible for these students to rely on their European Health Insurance Card to cover healthcare services. if you arrive a few days before the beginning of your studies, the tool developed by DR-WALTER and TK will find out the ideal insurance combination, too. Private insurance providers offer a variety of services that are not covered by statutory health insurance providers. 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. The best you can do is by contacting in person your public health insurance provider in your home country and they will help you with the application process and in this way you avoid any possible fraud. 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. All international students in Germany are required to have insurance during their stay. 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. Many German universities require you to enroll in a preparatory course and pass the final test before you can begin studying and attending lectures in the normal university program. are insured. Do I have to pay for my children’s insurance? On the other hand, the GERMAN STUDENT INSURANCE by DR-WALTER is a customized insurance plan for international students in Germany. The introduction of this law was done after a medical reform in 2007. Below we’ve provided all the information refugees must have prior to seeking insurance in Germany: It all begins with knowing where to make a request for seeking health insurance. First, every citizen is charged with the same basic rate premium for his/her health insurance that guarantees that everyone contributes same and consequently gets the equal medical treatment. If students work more than 20 hours a week, they risk breaching annual limits (120 half days and 240 full days). A fire breaking out in a building can destroy everything within seconds. However, you can still switch off your membership before this deadline by sending a notice to the health insurance provider you have chosen in Germany. In cooperation with Techniker Krankenkasse we have developed an insurance solution which enables students in Germany to insure themselves as quickly, easily and unbureaucratically as possible: GERMAN STUDENT INSURANCE, consisting of a private health ⦠9. Aligned with certain conditions people in German can seek one of the following healthcare insurances: The German health care system comprises the following health care services: Techniker Krankenkasse is a strong nationwide community. If you’re privately insured your medical care will normally include more health coverage. 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. Great benefits, expert advice and customer service tailored to your needs and interest. 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. All you need to do is to show your membership chip card and your provider will take care of everything. Student Health Insurance Germany: Cost and Comparison University Students: Cost about 80 Euro / month As University student in Germany you are eligible for the low cost "student health insurance" provided by the public health insurance companies like AOK, TK, DAK, BKK, BEK, GEK, KKH or the Hamburg Münchener Krankenkasse. Proof of health insurance is also an important requirement during your student visa and university enrolment process. They will give the details and the paperwork required for your entitlement to their insurance framework. Every driver of a motor vehicle is legally bound to take out an automobile liability insurance. 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. Is health insurance an admission requirement? How much does student health insurance in Germany cost? Foreign apprentices and au pairs are only subject to compulsory health insurance by law if they earn more than 450 euros per month. At its best, the European Health Care System is designed to cover the insurer’s basic medical needs while being in a foreign country. After you receive the admission letter, the university is supposed to give you the necessary information around relevant issues relating to your staying in Germany as an international student. This made the Krankenassens able to cover citizens’ medical needs. The health coverage applies to Germany and temporary visits (e.g. vacation) to the states of the European Union, along with Switzerland, Liechtenstein, Norway, United Kingdom and Iceland. Non-prescription medicines must be paid in full. Are you planning to learn the German language in Germany? Do you need to take a preparatory course before you start university in Germany? It wholly depends if there’s any agreement between respective states, therefore your country and Germany. 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. If you’re holding a public health insurance and you want to change your insurance scheme to private insurance, then you can do by sending your provider a notice 2 months ahead. Your health insurance monthly premium will cover you and your non-earning dependents like your spouse or your children. Short-term insurance policies can be taken out for one particular holiday trip, whereas long-term contracts cover all travels during a period of 12 or more months. One thing you are required to have if you’re coming to Germany to work as a researcher or guest scientist is an insurance plan. If occupational disability is determined, the occupational disability insurance pays the stipulated insurance sum, the so-called disability pension. There’s a nationwide basic premium rate for the public health insurance, which is the same for every citizen no matter his/her income. The KKH Kaufmännische Krankenkasse is one of the largest national health insurance companies in Germany and one of the strongest institutions in statutory health insurance. If you’re abroad with a purpose rather than working, therefore on a short visit, you can still seek your EHIC card. It is most popular health insurer in Germany ( e.g. to contact a Residence Registration office tell. 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