One of the most important matters to consider when studying in Germany is the cheapest insurance. You need full protection at an affordable price if you are a student.
Let’s explore the cheapest insurance plans that are accessible to Germany for students.
What is the cheapest insurance in Germany for students?
- Why Health Insurance is Important?
In Germany, health insurance is required for everyone, including students.
It guarantees that you can receive the necessary medical care without worrying about high expenses. You might not be able to enroll at your university without it.
Types of Health Insurance in Germany
Germany offers two primary categories of health insurance,
- Public Health Insurance (Gesetzliche Krankenversicherung GKV)
- Private Health Insurance (Private Krankenversicherung PKV)
1. Public Health Insurance (GKV)
For students, public health insurance is the most popular option. The premiums are similar and reasonably priced. Some well-known offering public health insurance are,
TK (Techniker Krankenkasse) – CLICK HERE
AOK (Allgemeine Ortskrankenkasse) – CLICK HERE
DAK-Gesundheit – CLICK HERE
2. Private Health Insurance (PKV)
For students, private health insurance can occasionally be more affordable, particularly if they are under 30 or have particular medical needs.
It is necessary to remember that once you choose private insurance, it can be challenging to go back to public insurance.
Cheapest Public Health Insurance for Students
The best and least expensive option for the majority of students is public health insurance. The top public health insurance companies are listed below, along with a figure of their prices,
1. TK (Techniker Krankenkasse)
- Cost: Almost €110 a month
- Benefits: Excellent customer service, wide coverage, and support for English
2. AOK
- Cost: Nearly €110 a month
- Benefits: Wide-ranging extra services, a vast network of physicians and hospitals
3. DAK-Gesundheit
- Cost: Around €110 per month
- Benefits: Similar to TK and AOK, with some unique additional services
Cheapest Private Health Insurance for Students
If private insurance is more your style, consider these reasonably priced options,
1. MAWISTA Student
- Cost: €33 a month to start
- Benefits: Plans that are flexible and customized for overseas students
2. Care Concept AG
- Cost: €28 a month to start
- Benefits: A range of plans to suit different needs and broad choices for coverage
Read: Life Insurance in USA for H1B Visa Holders Must Covered Now
3. HanseMerkur
- Cost: €30 a month to begin with
- Benefits: Many advantages and discounted rates for students
Factors to Consider
Take a look at the following details when selecting the cheapest insurance,
- Coverage
Make sure your insurance pays for all of your medical requirements, including frequent checkups, hospital stays, and emergencies.
- Cost
Check the monthly premiums along with any other expenses.
- Customer Service
Verify whether the supplier has a solid reputation for customer service and provides assistance in English.
- Flexibility
When your circumstances change, review the terms for switching providers or plans.
How to Enroll Cheapest Insurance?
It is easy to enroll in health insurance.
Take these actions,
- Research: Compare different providers and plans.
- Apply Online: Most providers offer online applications.
- Provide Documents: You will need your passport, university enrollment certificate, and payment information.
- Receive Confirmation: Once approved, you will receive your insurance card and documents.
Frequently Asked Questions
1. Can I Switch from Private to Public Health Insurance?
Ans: Once you have chosen a private plan, switching to public health insurance can be difficult under specific situations, and while still a student, switching is typically simpler. Before making a switch, always review the terms and conditions.
2. What Happens If I Don’t Have Health Insurance?
Ans: In Germany, not having health insurance can get you fined a lot and possibly prevents you from being accepted to your university. Getting health insurance is a must before you begin your studies.
3. Is Travel Insurance the Same as Health Insurance?
Ans: No, health insurance cannot be replaced by travel insurance. While emergency medical costs paid during travel are covered by travel insurance, full medical coverage necessary for residing in Germany is not covered.
Bottom line
Selecting the right health and cheapest insurance is necessary for a worry-free and easy-going time studying in Germany.
Do not forget to carefully weigh your options and choose the one that best meets your requirements.
Remain covered and have fun while studying in Germany.
Read: Schengen Visa Insurance – A Comprehensive Guide for Travelers
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