Statutory health insurance for international students at universities in Germany

Keyvisual gesetzliche Krankenversicherung


from €128.38 per month

Reliable health insurance coverage for the following groups of people:

-gkv barmer


from €119.94 per month

Our recommendation

BARMER as a health insurance provider  for international students

8.5 million insured individuals already trust the expertise of BARMER. As one of the biggest statutory health insurance providers in Germany, BARMER offers high-quality, innovative medical care. It is known for its commitment to optimising the healthcare system. 

For these reasons, BARMER is one of our recommendations in the field of statutory health insurance for international students.

You can submit an application for BARMER membership before or during your stay in Germany. The health insurance plan is valid for studying in Germany and temporary stays in the EU, Switzerland, Liechtenstein, Norway, the United Kingdom and Iceland.  This makes it easy to go on study trips or holidays in these countries.

If you need a visa to enter Germany, we recommend taking out the MAWISTA Visum health insurance plan. If you have any questions about which is the right health insurance plan for you, our insurance advisors would be happy to help you free of charge. 


Tariffs at a glance

Insurance period


Age limit for student tariff

Can be insured up to 30 years of age

Conclusion of contract

Commencement of obligation to insure

Payment method

Monthly via direct debit

Cancellation period

2 months


0 euros

Insured region

Study within Germany


Automatically until the end of your studies or until you are 30 years old

Proof of insurance

Recognised by authorities and universities in Germany

GKV Gesundheitskarte BARMER

Discover the benefits of the insurance card

With the free BARMER insurance card, the costs of visiting a doctor or hospital will be covered directly. 

The insured services provided will be billed directly to BARMER via the card. It doesn’t get any simpler than this.

BARMER Gesundsheitskarte


Customer services

Branches in Germany

In Germany, you can access the statutory health insurance provider BARMER at a total of 380 branches. Use the branch search tool and enter your post code or town to find your local BARMER branch. In addition to the address and telephone number, your search results will also show you the opening hours.


BARMER offers 24/7 support in several foreign languages e.g. such as English, French, Spanish and Chinese.


Barmer Siegel englisch
Barmer Siegel englisch
Barmer Siegel englisch



Bonus programme
Chronic illnesses
Electronic health card
Health courses
Prescription contraceptives
Top medicine


Insurance made easy

Monthly premium for students

Health insurance: €100.77

Nursing care insurance: €27.61 or €32.48

Total: €128.38 or €133.25

Monthly premium for professionals

Health insurance: 8.395%

Nursing care insurance: 0.7% to 2.3%

Total: 9.095% or 10.695% of gross income


Digital services

The BARMER app offers convenient, mobile-optimised access to lots of services. For example, it makes it easy to send a certificate of incapacity for work online or request a membership certificate or other proof.

Bonus app

Using the bonus app, you can easily upload proof of health measures, such as membership of a gym or sports team, collect bonus points for them and redeem awards.

Teledoctor app

The Teledoctor app allows you to obtain advice from doctors and medical specialist teams, find a specialist appointment as quickly as possible and research an extensive health lexicon.

7Mind meditation app

The 7Mind app offers guided meditations that you can use to reduce your stress gradually, become more relaxed and improve your sleep. Those insured by BARMER can use the app for twelve months free of charge.

Children’s Emergency app

The children’s emergency app contains information to help you keep your children safe as well as useful help in emergencies.

Oviva app

The Oviva app supports you in making long-term changes to your diet and having a positive influence on your health.

eCare is the BARMER electronic patient record. Here, you can securely store your health data such as investigation results, medication plans and digital letters from your doctor and share them with the doctors treating you.

Frequently asked questions

Questions about the tariff


The services provided by statutory health insurance providers are very similar. You will be well insured by both partners. It depends more on what is important to you personally, e.g. 24/7 availability, telehealth or regional on-site care. You can find a comparison of our recommendations for statutory health insurance – AOK and BARMER – here.

Am I insured for health treatment abroad?

For temporary stays abroad within Europe (incl. Iceland, Norway and Switzerland), the European Health Insurance Card (EHIC) is sufficient. This can be found on the rear of your Barmer insurance card. This entitles you to all medically necessary services that cannot wait until your return to Germany. However, it is sensible to have additional travel insurance as the EHIC is not accepted in some countries and hospitals and private bills will be issued.

Will I get proof of being insured with BARMER?

You can obtain proof (BARMER membership certificate) that you are insured with BARMER for your residence permit or for your employer.

How can I cancel my BARMER membership?

Outside the lock-in period of 12 months, BARMER membership can be terminated with a notice period of 2 months via email ( Cancellation thus becomes effective at the end of the month after next. 

Which doctor or hospital can I go to?

In principle, you have free choice of doctor or hospital, provided they are approved contracted doctors or hospitals. You can therefore consult a doctor you trust. You can find further information here.


What do I do if I am ill?

If you have a minor illness (for example, you have the flu, headaches or have had a minor accident), we recommend you find a general practitioner in the local area.

The doctor who treats you may recommend referral to a specialist if necessary. If you have toothache, you should go straight to a dentist.



How do I submit bills?

Treatment costs will be settled directly between the doctor or hospital and BARMER. For non-approved treatment or treatment outside your contract, you will receive a bill you have to pay yourself. For example, for extended dental cleaning or similar.


Are medications included in the insurance?

Costs for medication will be covered provided they have been prescribed by a doctor for medically necessary treatment of an acute illness. In certain circumstances, you may have to pay a small statutory additional payment.

Are costs of vaccinations covered?

All vaccinations recommended by the STIKO are covered by BARMER. BARMER also pays for all vaccinations required for private trips.

How long will it take to process my application?

You will normally receive confirmation of your application within 48 hours during the working week.

Product finder

Interested in other tariffs that may suit you?

The product finder will show you all the health insurance policies available to you as an international student.