Public vs Private Health Insurance for Students in Germany
International students in Germany must have health insurance. Without valid insurance, students cannot enroll at a university.
There are two main systems:
- public health insurance (GKV)
- private health insurance (PKV)
Public insurance usually costs around 120–150 euros per month and provides comprehensive coverage.
Private insurance can be cheaper but may offer more limited benefits.
For most international students, public health insurance is the safest option.
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