Required for studying in Germany
Health Insurance for International Students in Germany
In Germany, international students usually need statutory health insurance (GKV) before they can enroll at a university. With DAK-Gesundheit you start your application in a guided way through Germany for Students.
- Required for enrollment at most German universities
- Official insurance certificate for your university
- Coverage for doctor visits, hospital stays and prescriptions
- Reduced student contribution while you study
Health insurance
from €145.52/month (student tariff)
from €135.52/month with Guaranteed Tariff 120
Note: FinEase is not an insurer but connects you with suitable offers. You conclude contracts with the respective provider.
Why do you need this as a student?
Important for international students
- Universities require proof of health insurance when you enroll (Immatrikulation).
- Without valid GKV coverage, enrollment is often not possible.
- Apply early enough so your insurance start date matches your semester.
- Incoming/travel insurance is different — enrollment usually requires student GKV.
Tariffs & benefits for students
Statutory student health insurance (KVdS) for enrollment — plus the optional Guaranteed Tariff 120 with a €120 annual bonus.
Benefits with DAK
Tariffs for students
For university enrollment you take out statutory student health insurance (KVdS). Optionally, you can add Guaranteed Tariff 120 – a supplement with an annual bonus, not a replacement.
Health insurance
from €145.52/month (student tariff)
from €135.52/month with Guaranteed Tariff 120
* Effective monthly contribution with Guaranteed Tariff 120. KVdS remains mandatory; Guaranteed Tariff is an optional add-on.
Student tariff (KVdS)
Statutory health insurance for students – required for university enrollment
Contribution breakdown
| General | |
|---|---|
| Health insurance | €114.74 |
| Long-term care insurance | €30.78* |
| Total | €145.52 |
| Total with Guaranteed Tariff 120 | €135.52 |
* Reduction possible if you have more than one child under 25
Guaranteed Tariff 120
Add-on to the student tariff – supplementary, not instead of KVdS
from €135.52/month with Guaranteed Tariff 120
Lowers your KVdS contribution to effectively €135.52/month (€120 bonus/year ≈ €10/month).
- €120 paid to your account every year – for at least three years
- All benefits and services remain available
- Bonus even if you have a small co-payment in exceptional cases
Details about Guaranteed Tariff 120
How it works
- You are or become a DAK member and stay insured for at least three years.
- You add Guaranteed Tariff 120 on top. It starts on the 1st of the month after your application or with membership.
- €120 is transferred when the tariff starts, then at the beginning of each tariff year.
Co-payment (only for certain services)
For inpatient preventive and rehabilitation measures and travel costs thereto, you contribute up to €180:
- Inpatient preventive and rehabilitation measures
- Travel costs to inpatient preventive and rehabilitation measures
Regular doctor visits and preventive check-ups are not affected.
* Contract partner is DAK-Gesundheit. FinEase Financial Service GmbH acts as insurance broker and may receive a commission for successful referrals.
Register free & applyHow to apply via Germany for Students
- 1
Register for free
Create your account — we guide you through health insurance, blocked account, and all visa steps.
- 2
Start DAK application
In your dashboard, start your application for statutory student health insurance (KVdS) with DAK-Gesundheit.
- 3
Receive M10 notification
DAK submits the electronic M10 notification — the proof your university needs for enrollment.
- 4
Enroll at university
With valid insurance proof you can enroll — coverage starts from your agreed contract date.
What's covered?
- Doctor visits and hospital stays
- Emergency medical care
- Basic dental treatment
- Prescription medications
- Preventive care and vaccinations
- Medical transport
- Inpatient treatment
Important notes
- •Enrollment is not possible without health insurance.
- •Travel insurance or home country insurance is NOT sufficient.
- •You need German-compliant health insurance from day one.
- •The insurance must be valid for the entire study period.
- •When changing insurance: New certificate required for university.
Frequently asked questions
Which health insurance do I need?
For international students under 30, statutory health insurance is generally mandatory. The student tariff (KVdS) is the safest and recommended option.
How much does health insurance cost?
For students, KVdS contributions in 2026 are expected around €145–155 per month including long-term care. With DAK: from €145.52 (general) or €150.65 from age 23 without children.
Can I use my insurance from my home country?
No, to enroll at a German university you need German health insurance. Foreign insurance is not accepted.
When do I need to get the insurance?
Ideally before your arrival in Germany. Coverage starts from your contract start date (usually the 1st of the month of enrollment).
Ready for your studies in Germany?
Register for free — we help you with health insurance, blocked account, and all other steps.
Register for freeThe insurance contract is concluded directly with DAK-Gesundheit. Germany for Students (FinEase Financial Service GmbH) acts as insurance broker and may receive commission for successful referrals.