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Insurance PDF Print E-mail

Under German law, everybody studying at a state-recognised college or university is required to take out personal health insurance. Therefore you will need to submit an insurance certificate when you enrol at college or university. If you do not have private insurance, it is recommended to get a German health insurance card.

We highly recommend a German health insurance company, they offer a student health insurance policy at attractive rates, please see: www.fhd.edu/auslandsamt/index.html.

Please bring with you:
1. “Immatrikulationsbescheinigung”
2. passport
3. student ID Card
4. number of German bank account

1. If you are a European Union citizen

If you come from an EU-country and are publicly health insured, you are entitled to use the public medical care, which means that your health insurance will cover all the occurring costs for medical treatment. Therefore you have to present a form (E111 or E128 or the new European health insurance card) to a governmental health insurance organisation (DAK, AOK, Techniker-Krankenkasse or Barmer) in Germany and apply there for an exemption.

How to apply?
1. Go to a German health insurance company with one of the above mentioned forms, E111, E128 or the European health insurance card.
2. Leave your address and a copy of your form.
3. Receive the card one week later by mail.

If you come from an EU country and are privately health insured, you need a certificate from your health insurance company, which shows that your health insurance fulfills the requirements from §7 Abs. 2 of the “Freizügigkeits-
verordnung/EG”.

These requirements are:
o The insurance has to cover costs for medical care for all possible treatment (dentist, hospital, rehabilitation treatment), medicine, drugs, bandages, other medical aid, pregnancy and birth.
o It is required that your insurance agrees to the fact that there is no limitation on the occurring costs.

Of course, initially, you have to cover the occurring costs yourself. Due to the fact that these costs can increase very fast, we would like to recommend you to arrange for a contract with a German health insurance company. This would cost you around 55 Euro per months. Then the occurring costs are fully paid by the German health insurance company.

It is not enough to have just a travel insurance!


2. If you are not a European Union citizen

You need to take out health insurance in Germany. If you are under 30 years old, the monthly price is around 55 Euro. Otherwise, it can cost up to 100 Euro as the price is age dependant. The below link can supply you with useful information about the health insurance: http://www.aok-bv.de/service_eng/foreignstudents/index.html
If you have health insurance in your home country, you have to bring a certificate from your company, which shows that your health insurance will fulfil the requirements from §7 Abs.2 of the “Freizügigkeitsverordnung/EG”.

These requirements are:
o The insurance has to cover costs for medical care for all possible treatment (dentist, hospital, rehabilitation treatment), medicine, drugs, bandages, other medical aid, pregnancy and birth.
o It is required that your insurance agrees to the fact that there is no limitation on the occurring costs.

The health insurance companies closest to DUAS are:

AOK
Frau Liebl
Bahnhofstr. 94
94469 Deggendorf
Tel.: +49 (0)991 3881-0
Fax: +49 (0)991 3881-127

Contributions will be booked automatically every month. If no German bank account is provided, then the full amount has to be paid in advance.

About 14 days before you leave, you need to go to your insurance company, terminate your insurance and return the insurance card.
All paperwork will be done at the AOK.

DAK
Herr Dull
Veilchengasse 19
94469 Deggendorf
Tel.: +49 (0)991 37132-0
Fax: +49 (0)991 37132-19
Email: This email address is being protected from spam bots, you need Javascript enabled to view it

Contributions have to be paid for six month in advance.

About 14 days before you leave, you need to go to your insurance company, terminate your insurance and return the insurance card.
Paperwork will be done at the DAK.

Of course you could also apply at any other insurance company.

 
 
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