Foundation Year, Bachelor and Master students under the age of 30 are required to have public health insurance in Germany. PhD students without working contracts and students older than 30 years have to pay an individual rate and may not be eligible for a public insurance.
Generally, you must always have a valid health insurance, also during study abroad or leave of absence. If at any time we don’t have a proof of your health insurance, we will take steps to revoke your student status.
The key benefits of public health insurance include:
- Full coverage regardless of the treatment cost for procedures that are deemed medically necessary
- Family members (Children/Spouse) are co-insured free of contributions
- Doctors balance their accounts directly with the health insurance fund – there is no need for cash payments and then claiming the money back
- The contribution for students is almost the same in the German public insurance by the different providers and the rate amounts to about 92 Euros per month
Under special circumstances, Foundation Year, Bachelor and Master students under the age of 30 may receive a dispensation from the obligation to insure with the German public insurance. To our knowledge, this is possible only for students, who are part of the US Military health insurance plan. If you would like to check if your private insurance qualifies you to receive a dispensation from the obligation to insure with the German public insurance, please e-mail your private health insurance policy to jacobs-university@tk.de and request for dispensation evaluation.
To apply for the German public insurance you have the following options:
A) If you require a student visa
There are many providers in Germany, who provide a free of charge travel insurance to meet the health insurance requirement for the visa application and a public health insurance, to meet the enrollment requirement at the university. Reliable providers are Xpatrio and Coracle, who also cooperate with one or both health insurance companies on Campus.
B) If you come from a visa-free country and do not require a student visa
Two German public health insurance companies offer services on Campus:
(A) Health partner of Constructor University Bremen – Techniker Krankenkasse (Application Form)
(B) AOK Bremen / Bremerhaven (Application Form )
In order to receive the confirmation for enrollment please complete the form and send it to the Health Insurance representative as described on the form. You can also sign-up for public health insurance during O-Week or upon arrival.
You can learn more about the insurance and different options of insurance here.