If you’re planning to study in Germany, health insurance is not optional it’s a legal requirement for both admission and your German student visa.
This blog breaks down everything you need to know about public vs. private insurance, how to choose the right provider, and the exact steps to get insured from India.
Why Is Health Insurance Mandatory in Germany?
- Germany has a universal healthcare system, and every resident including international students must have valid health coverage. without it:
- You won’t get your student visa approved.
- You can’t enroll at your university.
- You may face fines or delays in getting services
Types of Health Insurance for International Students in Germany
There are two main types of health insurance you can choose from:
1. Public (Statutory) Health Insurance – GKV
Best For: Students under 30 years or in undergraduate/standard Master’s programs
|
Provider
|
Monthly Cost (Approx.)
|
Features
|
|---|---|---|
|
TK (Techniker Krankenkasse)
|
€120–€125
|
Widely accepted, English support
|
|
AOK
|
€110–€120
|
Reliable, strong hospital network
|
|
Barmer
|
€115–€125
|
Digital app, student-focused
|
|
DAK
|
€120–€130
|
Great family benefits
|
- Benefits:
- Full coverage for doctor visits, hospitals, emergencies.
- Accepted by all German universities and embassies.
- Premiums are fixed for students.
2. Private Health Insurance – PKV
Best For: Students over 30, language course attendees, or those in preparatory courses.
|
Provider
|
Monthly Cost (Approx.)
|
Features
|
|---|---|---|
|
Expatrio (with DR-WALTER)
|
€35–€50
|
Affordable starter packages
|
|
EDUCARE24
|
€33–€45
|
Great for language students
|
|
Mawista
|
€33–€65
|
Flexible coverage options
|
- Benefits:
- Lower premiums if you're healthy.
- Accepted by visa authorities.
- Custom plans based on need and duration.
- Note: If you switch from public to private, you cannot easily go back.
How Much Does Student Health Insurance Cost in Germany?
|
Type
|
Average Monthly Cost (2025)
|
|---|---|
|
Public
|
€120–€130 (₹11,000/month)
|
|
Private
|
€35–€60 (₹3,000–₹5,500/month)
|
Documents Required to Get Student Health Insurance
- Passport
- University admission letter
- Proof of address (can be Indian address initially)
- Visa appointment date (optional)
- Completed insurance application form
Blocked Account + Health Insurance Combo (Save Time & Money)
- Many students prefer to open a Blocked Account + Health Insurance combo package with providers like:
- Expatrio
- Fintiba Plus
- Coracle Care
When to Buy Health Insurance for Germany?
- Before your visa appointment
- Submit your insurance certificate along with your Blocked Account confirmation.
- Again at enrollment
- Your university will ask for proof of valid health insurance during registration.
Common Mistakes Indian Students Make
- We guide you through every step of setting up your blocked account:
- Buying Indian health insurance (Not accepted in Germany)
- Waiting until arrival (Visa will be rejected without it)
- Choosing private insurance without knowing the visa rules
How Abroad Study Rover Helps
- Buying Indian health insurance (Not accepted in Germany)
- Helping you apply online from India
- Getting the right combination with Blocked Account
- Making sure your visa file is complete and approved
Frequently Asked Questions
No. Travel insurance is not accepted. You need student health insurance from a German-approved provider.
Your visa will be rejected, and you won’t be allowed to enroll in your course.
Yes, especially if you’re moving from a language course to a university. We can help with that transition.
Final Words
- Having the right health insurance is one of the most important — and often confusing — parts of studying in Germany. With our expert support at Abroad Study Rover, you’ll get insured the right way, quickly and affordably. Need help choosing the best health insurance? Get guidance starting at just ₹2,000!