Surely you have already heard from your German university, from the German embassy or from the foreigners authority that you need health insurance for your studies in Germany and that you have the choice between statutory and private health insurance. What your German fellow students know from birth is probably completely new to you. Therefore we would like to explain the difference between statutory and private health insurance for students.
Not everyone can take out private health insurance. The following groups of persons may take out private health insurance, for example: Employees who earn more than 60,750 euros per year, self-employed, civil servants, registered students. Contributions and benefits are not required by law. You can choose a health insurance cover that suits your needs. In most cases, you will have to answer a few questions about your health before taking out private health insurance. It can happen that an insurance company cannot offer you health insurance cover.
In this table we have compiled some of the differences between statutory and private health insurance. You can also download them as a PDF document.
|Statutory health insurance||Private health insurance|
|Contributions||statutory health insuranceFixed by law, depending on income||Private health insuranceNot fixed by law, usually increase with age|
|Admission||statutory health insuranceMust admit (almost) everyone, no health check||Private health insurance Must not admit everyone, usually health check|
|Insurable persons||statutory health insurance(almost) all||Private
employees with an income above 60,750 Euro per year,
self-employed, civil servants, students
|Billing||statutory health insuranceDirectly with physician||Private health insurance Patient receives invoice, which he submits to insurer for reimbursement|
|Choice of physician||statutory health insurancenly physicians with health insurance approval||Private health insurance Free choice of physician|
|Co-payments||statutory health insurancefor medicines, aids and in hospital||Private health insurance None|
|Selbstbehalt||statutory health insuranceNo||Private health insurance Possible|
If you want to insure yourself legally or privately for your studies in Germany, you can decide for yourself. In most cases, private health insurance for students is much cheaper than statutory health insurance. You are also a private patient in private health insurance. This means that you may go to all doctors, probably have to wait less long for an appointment and sit in the waiting room.
In the statutory health insurance scheme, you get statutory standard benefits paid in full. Private health insurance, on the other hand, has maximum limits. Within these limits you can also make use of more expensive private treatments. There is often a deductible in private health insurance. This means that you bear all costs up to a certain amount. Only then will your private health insurance cover the costs.
|Care Student (private)||DAK (statutory)|
|Student contribution up to 30||Care Student (private)81,48 € / month||DAK (statutory)97,49 € / month|
|Student contribution from 30||Care Student (private)107,54 € / month||DAK (statutory) 155,95 € / month|
|Doctor treatment||Care Student (private)Free choice of doctor||DAK (statutory) Doctors with health insurance approval|
|Hospital treatment||Care Student (private)General nursing class, multi-bed room, without optional services||DAK (statutory)
General nursing class, multi-bed room, without optional services,
10 € extra payment / day (max. 28 days)
|Dental treatment||Care Student (private)Up to 500 €, thereafter 50% per calendar year||DAK (statutory) Standard statutory care|
|Medication||Care Student (private)Yes||DAK (statutory) , additional payment 10% (min. 5, max. 10 €)|
|Hospital daily allowance||Care Student (private)25 € /day, max. 20 days||DAK (statutory) No|
|Recovery allowance||Care Student (private)1,500 € (for 90 days in hospital and incapacity for work)||DAK (statutory) No|
|Applicability in Europe||Care Student (private)Yes||DAK (statutory) Yes|
|Valid worldwide||Care Student (private)First four weeks||DAK (statutory) No|
|Deductible||Care Student (private)300 € / calendar year||DAK (statutory) No|
|Waiting periods||Care Student (private)Waiting periods 3 months, 8 months for dentures, orthodontics,
Psychotherapy, childbirth, 6 months for dental treatment
(previous insurance partially recognised)
|DAK (statutory) No|
We hope we were able to shed some light on the German health insurance system with this information. We would also be happy to help you personally via Phone or E-Mail and provide you with comprehensive advice on private and statutory health insurance for foreign students in Germany.