Göttingen International

Health insurance options for international students

Health insurance is mandatory by federal law for all students at German universities. There are two types of health insurances: statutory health insurance and private health insurance.

Statutory health insurance

For statutory health insurance the terms of contract, monthly contributions and the scope of benefits are regulated by federal law. Statutory health insurance companies charge a standard fee of 80 euros a month for a student health insurance. This fee is normally discounted from your account on a monthly basis.

Private health insurance

For private health insurances the terms and conditions vary from provider to provider, while the scope of benefits and cover correlates with the monthly contribution. Low-priced insurance schemes normally cover only the basic service. It could happen that in case of sudden illnesses or accidents (but also in case of pregnancy or psychological disorders) the costs of treatment will not be covered. We therefore recommend a statutory health insurance.

There are essential differences regarding the health insurance regulations for EU and non-EU students.

Important: You should carefully compare the advantages and disadvantages of both systems before making a final decision, especially if you are considering the private insurance. Should you opt for a private insurance, it will not be possible to switch to a statutory insurance scheme at any time during your studies.

Disclaimer: The data above is for general information purposes only and is not comparable to legal advice. The International Office of the University of Göttingen disclaims any liability concerning the accuracy of the information provided and is not responsible for the content of any external links or websites.