What health insurance do I need as a student in Germany?

Health insurance (Krankenversicherung) is mandatory in Germany for all residents, including international students. You cannot register at a university or apply for a residence permit without valid health insurance.

Public health insurance (Gesetzliche Krankenversicherung — GKV):
If you are under 30 and in your first degree in Germany:
- You qualify for student public health insurance at a heavily subsidised rate
- Cost: Approximately €120–€130/month
- Major providers: TK (Techniker Krankenkasse), AOK, DAK, Barmer
- Covers: Doctor visits, hospital stays, prescriptions, mental health, dentistry (basic)
- Many international students choose TK due to their English-speaking customer service

Private health insurance:
- Required if you are over 30 or a second-degree student (e.g., already completed a bachelor's elsewhere)
- Also an option for those coming from EU countries with existing coverage
- Cheaper monthly premium for young, healthy students (~€50–€90/month)
- Less comprehensive than public GKV and not accepted by all doctors
- DAAD-recommended insurers: Care Concept, Mawista, DR-WALTER

Applying for GKV:
Sign up with your chosen provider (online or in person) before arriving or shortly after. You will receive an insurance card (Versichertenkarte) — present this at doctors and pharmacies.

EHIC (European Health Insurance Card):
If you are an EU citizen, your EHIC from your home country covers you in Germany for emergencies, but you should still register for German public student insurance for full coverage.