Health insurance for foreign students in Germany
Important information about the health insurance in Germany
EXCEPTIONS from compulsory insurance
The private insurance sector has developed low-cost special tariffs for such groups.
Insurance cover for a period of up to 5 years is offered within the scope of so-called travel health insurance for foreign visitors. The insurance provides the necessary cover for acute illness (doctor and hospital treatment) and benefits for pregnancy and birth (after a qualifying period of 8 months).
Benefits such as the treatment of existing conditions and check-up’s are not normally insured.
Insurance cover should be taken out for the whole of the possible period of residence in each case due to the fact that insurers may refuse extensions. Some providers exclude pre-existing conditions (illnesses or pregnancies that have occurred in the first period of insurance) when extending cover.
Contracts which contain customer-friendly insurance conditions may, however, be terminated at any time by giving notice of termination to the end of the month.
It is a good idea to take out personal liability insurance. This is, however, not compulsory for obtaining or extending a residence permit.