Usually needed for university enrollment
Health Insurance for International Students in Germany
Universities generally require suitable proof of health insurance before enrollment. For many fully enrolled students under 30 that is statutory student insurance (GKV/KVdS). Depending on your situation, EHIC, recognized private insurance, or an exemption from GKV may also be possible.
- Suitable proof for enrollment at most German universities
- Electronic M10 notification for your university
- Coverage for doctor visits, hospital stays and prescriptions
- Reduced student contribution in the statutory student tariff
Note: FinEase is not an insurer but connects you with suitable offers. You conclude contracts with the respective provider.
Trusted partners
Verified product partners for studying in Germany
Germany for Students works with established partners for blocked accounts, statutory student health insurance, and incoming insurance.
Student voices
What students say about health insurance for enrolment
Experiences from international students who arranged student health insurance for university enrolment in Germany.
βI needed health insurance for my university enrolment in Germany. The information was clear and helped me understand which type of insurance I needed. After completing my application, I received the required confirmation within two working days.β
Mohammed
Student from Pakistan
βI was looking for health insurance that I could use for my studies and university enrolment in Germany. The application process was simple and clearly explained. I received my insurance confirmation after completing the required information.β
Li
Student from China
βI had a question about the correct start date for my health insurance and contacted the support team. I received a clear explanation and was able to correct the dates before completing my application.β
Chen
Student from China
Names shown as first names only. Quotes reflect individual student experiences with Germany for Students.
Why health insurance as a student?
Important for international students
- Universities generally require proof of health insurance when you enroll (Immatrikulation).
- Without suitable proof, enrollment is often not possible β that proof is not always German GKV.
- Apply early enough so your insurance start date matches your semester.
- Incoming/travel insurance is different: it is usually not enough for enrollment.
Tariffs & benefits for students
Statutory student health insurance (KVdS) for enrollment β plus the optional Guaranteed Tariff 120 with a β¬120 annual bonus.
Effective student contribution
β¬135.52 / month
with Guaranteed Tariff 120 (β¬120 bonus / year β β¬10 / month)
Standard student tariff: β¬145.52 / month. KVdS remains mandatory; Guaranteed Tariff is optional.
Benefits with DAK
* Contract partner is DAK-Gesundheit. FinEase Financial Service GmbH acts as insurance broker and may receive a commission for successful referrals.
Register free & applyHealth card & info materials
Your electronic health card (eGK)
With the eGK you can access medical services in Germany β with doctors, dentists, in hospitals, and at pharmacies.
DAK Studis flyer
A compact overview of benefits, contributions, and the process for international students β save or print it.
How to apply via Germany for Students
- 1
Register for free
Create your account β 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 β the proof your university needs for enrollment.
- 4
Enroll at university
With valid insurance proof you can enroll β 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
- β’Universities generally need suitable proof of health insurance for enrollment.
- β’Travel or incoming insurance usually does not replace student health insurance for enrollment.
- β’Foreign insurance can be accepted in some cases β e.g. EHIC (EU/EEA/Switzerland) or equivalent cover with an exemption from GKV. The health fund or university decides.
- β’Private health insurance may apply from age 30, for Studienkolleg/language courses, or after exemption from statutory insurance.
- β’The statutory student tariff (KVdS) typically applies until age 30; the long-term care contribution is often higher from age 23 without children.
Frequently asked questions
Which health insurance do I need?
Fully enrolled students under 30 are often subject to statutory health insurance (KVdS). That is the usual path universities accept well β but not without exceptions. EU/EEA students with EHIC, recognized private insurance, or an exemption from GKV can suffice in some cases. From age 30, KVdS is generally no longer available.
How much does health insurance cost?
DAK student tariff (KVdS) in 2026: β¬145.52/month typically under 23, or β¬150.65/month from age 23 without children (including long-term care). Optional Guaranteed Tariff 120 lowers the effective monthly amount by about β¬10, subject to extra conditions.
Can I use my insurance from my home country?
Not automatically. Travel insurance is usually not enough for enrollment. EU/EEA students may use an EHIC depending on university and status. Other foreign or private policies may lead to an exemption from statutory insurance after review. The competent health insurance fund decides β not Germany for Students.
When do I need to get the insurance?
Ideally before your arrival in Germany. Statutory student insurance becomes active from your contract start date (usually the 1st of the month of enrollment).
Ready for your studies in Germany?
Register for free β 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.