How to identify good health insurance cover
A good health insurance provider is characterised by appropriate benefits and quality of service.
We recommend that you check whether the following services are included in the tariff:
- Medical care by email, by phone and in person
- Outpatient treatments by a doctor of your choice: Outpatient treatments are treatments without the patient being admitted to a care facility
- Inpatient treatment and necessary surgeries in an hospital of your choice: Inpatient treatments are treatments with admission of the patient to a care facility including overnight stay
- Transport to the nearest suitable hospital
- Medication prescribed by a doctor
- Medical aids in connection with an accident, such as walking aids
- Pain-relieving dental treatment+
- Transfer costs to home country and funeral expenses
- Additional liability and accident insurance if required
- Pregnancy from the insurance start date
- Vaccinations
In terms of services, these factors make your everyday life easier:
- Simple online application
- Advice via email or phone in various languages, including Chinese
- Documents sent via email or accessed via website
- Fast payment of medical bills
- Cover provided outside Germany for trips abroad during studies: other EU countries, other Schengen countries and the UK
- Insurance also offered for family members in Germany to support studies
- Simple payment process: direct debits from a German bank account or international credit card
