Do you know how challenging it might be to understand insurance benefits in a foreign country? However, we will go over to a straightforward and uncomplicated method.
But then, you must familiarize yourself with the aspects of Germany’s insurance benefits, especially when you are making travel plans to a foreign nation.
Who Needs Germany Health Insurance?
Germany made health insurance mandatory in 2009. It became mandatory for all German residents to have health insurance coverage.
This mandate applies to both German nationals and foreign residents, including students both local and international.
It became effective since the implementation of the Health Insurance Compulsory Law. (Health Insurance Mandates Act)
How to Apply for German Health Insurance Benefits
Having health insurance guarantees that you will always have access to medical care and financial assistance when needed.
Your stay in Germany will be even more pleasing and relaxed if you know what health insurance alternatives you have and how to apply.
1. Always be sure that you qualify for private or public health insurance. Depending on any situation you find yourself in, though the situation may vary, keep in mind that students who are older than thirty cannot obtain public insurance.
2. Find out the different types of German health insurance companies. Pick the option that best meets your needs by weighing its costs, coverage, and benefits.
3. Fill out the application completely. Get the application form from the health insurance company of your choice, or apply online via their website. Ensure that the form includes all necessary information.
4. Get a certificate of health insurance. You will receive an insurance certificate (Versicherungsbescheinigung) from the insurance provider if your application is accepted. To enroll in the institution, you will need to provide your credentials.
5. You have to pay the insurance premiums after you have gotten your certificate of health insurance. The insurance company and the plan you select will determine the procedure and frequency of payments.
How Much Can I Get Health Insurance for Students?
In Germany, the average monthly cost of student health insurance can actually be around EUR 120 to EUR 130, depending on your circumstances and the kind of insurance you qualify for (public or private).
It is very vital to remember that students in Germany pay lower health insurance premiums than other groups of citizens.
How Can I Get Health Insurance as a Student?
There are two primary ways that students in Germany can get health insurance:
1. Public Health Insurance
Most students who are enrolled in standard degree programs and are under 30 years old, including students from other countries, are entitled to enroll in the public health insurance program.
When applying for public health insurance, students in Germany have a wide selection of statutory health insurance providers.
Remember that you have to submit the necessary paperwork, which includes a current residency permit and a university admission letter.
2. Private Health Insurance
Private health insurance was established for students who may prefer private health insurance or may not be eligible for public health insurance. For that reason, it becomes an option for ;
- Pupils who are older than 30.
- Individuals enrolled in non-traditional degree programs.
- Researchers, guest scientists, and Ph.D. candidates.
- Students with national insurance coverage.
As an immigrant hoping to start a new life in Germany, you must make sure you have your insurance with you.
How Can I End My Health Insurance Benefits?
To discontinue your health insurance coverage in the case that you have to leave Germany, perhaps after completing your studies, all you need to do is notify your insurance provider.
They will then advise you on the next course of action. You can usually request documentation of termination from your insurance carrier, and they will terminate your contract immediately.
Finally, if you have any intention of traveling to Germany either for work or school, it is best to get your health insurance as soon as you land and register as a resident of Germany.
