Which is the most cheapest health insurence for foreign students studying in germany ?

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JUPITER

Anyone falling ill in Germany has relatively little, other than the ailment, to worry about. Students, no matter where they're from, are all insured with public health insurance companies. That costs less than 50 euro a month and is well worth it. Any doctors visits, hospital stays and treatment are free of charge.

Proof of health insurance has to be presented at the admissions office before registering for classes. No health insurance means no registration.

Foreign students must take out health insurance here in Germany. Any public health insurance company can give you more information and all the necessary application forms.
In certain German states it's sufficient if foreign students furnish proof of health insurance cover taken in their home countries.
The offices for international affairs at the individual universities will also be able to supply you with more information. Some examples of insurance companies are the Allgemeine Ortskrankenkasse, Techniker Krankenkasse, and Barmer Ersatzkasse.Students who are under 30, or have not yet completed their 14th semester, pay a very low premium for health insurance, because they fall under the rates usually applicable to lower income groups.

Students at colleges of preparatory studies, guest researchers, anyone taking part in language courses and students who are older than 30 do not qualify for public health insurance. They have to get private health insurance. Nevertheless, they still have to supply proof to the Foreigners Affairs Office that they have adequate health coverage in order to attain a residence permit.

The German Students Services (Deutsches Studentenwerk) has an agreement with a private insurance company that allows persons in the above named group to receive private health coverage for under 50 euro a month. The Studentenwerk has more information.

I am also in the AOK Germany (but I am a German national), and the AOK also has an informative website in English, please click here: http://www.aok-bv.de/service_eng/foreignstudents/index.html

jenny

It used to be AOK when I was still studying, but I don`t know if it has changed in the meantime. Probably not. Good luck!

t_maia2000

What Torsten B wrote is all very correct and I could only copy it here.

But if you are asking about health insurance to get the student visa from the embassy, you need to get insurance from a European insurance company (Allianz, AXA).

The embassy will be able to give you a list of insurance companies they accept for this purpose. With this list you can contact them and ask their prices.

This insurance is to cover you until you get public health insurance in Germany.

So in essence you need 2 health insurances:
1) for the visa from Allianz or AXA, private contract signed in your country,
2) the health insurance in Germany that Thorsten B described.

Eat healthy, exercise, sleep early, no alcohol and be happy :)

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