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​​Health insurance

​To enrol at a german university, you must provide evidence of sufficient health insurance cover. This is required by law. You must bring this proof with you on the day of enrolment. Without health insurance you cannot enrol! If you fall seriously ill, you will incur considerable costs. Sufficient insurance cover is therefore very important.

There are two types of health insurance: Statutory and private:

Statutory health insurance (compulsory insurance) 

Some students are exempt from compulsory insurance in Germany. This is, however, only the case for students who have compulsory health insurance cover within a statutory or state insurance scheme in their home country.
The following forms/documents are required:

• All EU Member States as well as Norway, Iceland, Switzerland and Liechtenstein: EHIC (European Health Insurance Card) 
• Serbia, Montenegro: Ju 6 
• Bosnia-Herzegovina: BH6 
• Macedonia: RM/D 111 
• Turkey: T/A 11 
• Tunisia: TN/A 11 

If you do not have a EHIC or one of the forms listed above, you can take out health insurance cover for about € 90 per month from the statutory compulsory insurance scheme for students.

Students from non-European countries are exempt from compulsory health insurance, if they can verify that they have health insurance cover in their home country. This insurance must also be valid in Germany. It does, however, make sense to take out voluntary insurance in Germany, as reimbursement by foreign health insurers (e.g. American) can often take a very long time.

Private health insurance 

If you cannot be accepted in the statutory health insurance scheme for students (e.g. because you are over 30 years of age), you can take out private health insurance.  

Private health insurance can be taken out 

• in Germany and (as a rule) 
• in your home country (international health insurance). 

If you already have private health insurance cover in your home country, you must obtain a certificate (policy) in English or German from your insurers. The policy must state exactly what is covered, e.g.:

• Validity period 
• Geographical coverage  
• Financial limits of the insurance cover 

If your private health insurance does not cover Germany, you will have to take out additional cover with a German health insurer after your arrival in Düsseldorf. This costs about € 90 per month for students.

Note: Anyone with private health insurance pays all medical costs himself or herself first and then applies for reimbursement from the insurers. We recommend taking out statutory health insurance in Germany for about € 80 per month, if you come from outside Europe and do not have a EHIC. Our tutors will accompany you during the Orientation Weeks to a statutory health insurance organization where you can take out health insurance.
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