Healthinsurance for international students
In Germany, insurance is mandatory—everyone must have health insurance. This also applies to international students.
Without health insurance, it is not possible to obtain a visa or enroll at Bochum University of Applied Sciences.
The German healthcare system
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- Access to medical care for everyone at moderate costs
- Many general practitioners and specialists, hospitals, and pharmacies
- Prescriptions are sometimes necessary
- Emergency numbers: 112 (emergency services) and 116 117 (medical on-call service)
What kind of insurance do you need?
Recognition of insurance
- Students from the EU/EEA can often use their EHIC (European Health Insurance Card)
- There are also agreements with some countries outside the EU
- Important: Before entering the country, clarify whether your insurance is recognized in Germany
Public health insurance (GKV)
- Students under the age of 30 are eligible for a reduced student rate (approx. €120–130 per month)
- The student rate no longer applies to those aged 30 and over, and contributions increase significantly
Private health insurance (PKV)
- May be cheaper in individual cases, especially after the age of 30
- Please note: It is generally not possible to switch back to statutory insurance
- Benefits and conditions vary greatly – compare offers carefully
What to do in case of illness?
- Family doctor: First point of contact for complaints
- Specialist: Appointment directly or with referral (e.g., dentist, gynecologist)
- TK doctor directory: Nationwide online search portal (search for doctors by location, specialty, and languages spoken)
- Emergencies:
- 112 = Emergency services/emergency doctor
- 116 117 = On-call service (outside of practice hours)
- Cost coverage: Statutory health insurance: Billing is handled directly by the health insurance company
- Private health insurance: Often advance payment, followed by reimbursement
