Health insurance is not just a formality in Germany—it is a legal requirement for every student, including international students. Without valid health insurance, you cannot enroll at a German university, obtain a residence permit, or complete your visa application.
For international students, understanding the health insurance cost in Germany in 2025 is one of the most critical steps in preparing for studies. Costs vary depending on whether you choose public (statutory) or private student health insurance, your age, and your study level.
This article provides a comprehensive guide to everything you need to know about health insurance costs in Germany for international students.
We will cover:
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Why health insurance is mandatory for students.
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The difference between public and private insurance.
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The exact monthly costs in 2025.
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Factors that influence your premium.
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Legal requirements for visa and enrollment.
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Detailed comparison of major providers.
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Cost-saving tips and mistakes to avoid.
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A final summary table with key figures.
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Frequently asked questions with practical answers.
Definition: What Is Student Health Insurance in Germany?
Health insurance in Germany provides access to medical care, hospitalization, preventive services, and emergency treatment. For students, it ensures coverage during their entire stay.
There are two main systems:
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Public (Statutory Health Insurance – GKV)
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Offered by major health funds like TK (Techniker Krankenkasse), AOK, Barmer, and DAK.
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Fixed monthly contribution for students.
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Mandatory for most students under 30 years old.
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Private Health Insurance (PKV)
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Offered by companies like Mawista, DR-WALTER, EDUCARE24, and others.
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Flexible premiums depending on age, coverage, and study program.
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Usually chosen by students over 30, language course students, or preparatory course students.
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Importance: Why Health Insurance Is Mandatory in Germany
For international students, health insurance is not optional—it is required by:
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German universities: Enrollment is not possible without proof of health insurance.
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German embassies: A valid health insurance certificate is required for your student visa.
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German law (SGB V): Everyone must have health coverage while living in Germany.
Having health insurance also protects students from high medical bills. Without insurance, even a single hospital stay could cost thousands of euros.
Health Insurance Cost in Germany for International Students 2025
1. Public Student Health Insurance Costs (GKV)
In 2025, the monthly cost of public student health insurance is standardized across providers.
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Basic monthly premium: approx. €120–€130
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Nursing care insurance (Pflegeversicherung): approx. €30–€35
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Total average monthly cost: €150–€165
These costs apply to most international students under the age of 30.
2. Private Student Health Insurance Costs (PKV)
Private insurance costs vary depending on provider, age, and coverage.
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Budget private plans: €30–€50 per month (basic coverage).
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Standard private plans: €60–€100 per month.
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Comprehensive plans: €100–€150+ per month.
Private insurance is often cheaper in the short term but may have limited coverage compared to public insurance.
3. Special Cases Based on Age and Status
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Students over 30: Cannot use student tariffs in public insurance. Public premiums may rise to €200–€250 monthly.
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PhD students: Often must switch to private health insurance.
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Language course or preparatory college students: Usually must take private health insurance.
Factors That Affect Health Insurance Cost
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Age – Under 30 students pay reduced rates in public insurance. Over 30 means higher costs.
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Study Program – Regular degree students qualify for student tariffs, while language course students may not.
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Choice of Provider – Public insurance is standardized in cost, but private insurance varies widely.
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Coverage Level – Private plans can be basic or comprehensive, affecting the monthly premium.
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Extra Services – Dental, travel, or extended coverage increases costs.
Health Insurance and German Student Visa Requirements
Health insurance is directly tied to your visa process. Without proof of valid insurance, your visa will be denied.
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For visa application: You must present a valid health insurance certificate.
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For residence permit extension: Insurance proof must be renewed annually.
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For university enrollment: A confirmation from a public insurance provider (e.g., TK, AOK) is required.
Many students use Expatrio, Fintiba, or Coracle packages that combine blocked account and health insurance to speed up the visa process.
Comparing Public vs Private Health Insurance Costs for International Students
| Feature | Public Insurance (GKV) | Private Insurance (PKV) |
|---|---|---|
| Monthly Cost (2025) | €150–€165 | €30–€150+ |
| Eligibility | Students under 30 (degree programs) | Over 30, language/prep students, PhD |
| Coverage Scope | Comprehensive (doctors, hospital, preventive care) | Varies (can be limited or comprehensive) |
| Visa Acceptance | Always accepted | Must be embassy-recognized provider |
| Long-Term Security | Strong, lifelong access to GKV | May require switching later |
Step-by-Step: How to Choose the Right Health Insurance in 2025
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Check Eligibility
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Under 30 → Public insurance is usually best.
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Over 30 or language course → Private insurance required.
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Compare Monthly Costs
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Public: Fixed cost around €160.
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Private: Flexible cost depending on plan.
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Check Visa Requirements
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Ensure your insurance is recognized by German embassies.
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Apply Online
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Most providers offer fast digital applications with instant certificates.
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Submit to University & Embassy
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Upload the certificate to your university portal.
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Present the certificate at your visa interview.
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Mistakes to Avoid When Choosing Student Health Insurance
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Choosing the cheapest private plan without checking coverage.
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Missing deadlines for enrollment proof.
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Assuming family insurance from home country is valid in Germany.
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Not realizing public insurance costs rise significantly after age 30.
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Forgetting to cancel temporary travel insurance after enrolling.
Cost-Saving Tips for International Students
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Apply for public student insurance immediately if under 30.
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Use combined packages (blocked account + health insurance) to save on fees.
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Avoid unnecessary add-ons in private plans if budget is tight.
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Plan for long-term—if you will stay in Germany for years, public insurance is more secure.
Summary Comparison Table: Health Insurance Costs for Students in Germany (2025)
| Type of Insurance | Monthly Cost Range | Best For | Coverage Level | Visa Recognition |
|---|---|---|---|---|
| Public (GKV) | €150–€165 | Students under 30 in degree programs | Comprehensive | Always accepted |
| Private (PKV) | €30–€150+ | Students over 30, language/prep, PhD | Basic to comprehensive | Must be approved |
Frequently Asked Questions (FAQ)
1. How much is health insurance in Germany for international students in 2025?
On average, €150–€165 per month for public insurance and €30–€150+ for private insurance.
2. Which is better for students: public or private health insurance?
Public insurance offers more comprehensive coverage, while private insurance may be cheaper for short-term stays.
3. Is health insurance mandatory for all students in Germany?
Yes, it is legally required for all students.
4. Can international students use private health insurance for a visa?
Yes, but only from recognized providers approved by embassies.
5. What happens if I do not have health insurance in Germany?
You cannot enroll in university or get a residence permit.
6. Do PhD students qualify for student tariffs in public insurance?
Usually no. They must take private insurance.
7. Can I switch from private to public health insurance later?
It is very difficult once you leave public insurance. Plan carefully before choosing.
8. Is dental treatment included in student insurance?
Basic dental coverage is included in public plans, but private plans vary.
9. What happens after I turn 30 as a student?
You lose eligibility for reduced student rates in public insurance. Premiums increase significantly.
10. Do combined packages with blocked accounts save money?
Yes, services like Expatrio and Fintiba often reduce costs when bundled.
Conclusion: Choosing the Best Health Insurance Option in 2025
For international students in Germany, health insurance is not only a visa requirement but also a critical part of your financial planning.
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If you are under 30, public student health insurance is the most reliable choice with comprehensive coverage.
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If you are over 30, or enrolled in language or preparatory courses, private health insurance may be the only option.
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Always ensure your insurance is recognized by German embassies and universities before applying.
Understanding the health insurance cost in Germany for international students in 2025 helps you avoid delays, reduce stress, and focus on your studies. By making an informed decision, you can balance affordability, legal compliance, and security for your academic journey.