Adequate health insurance coverage is always a requirement for a residence permit. Which options are open to you depends on your status here in Germany.
|Scholarship holders and those with private funding|
If you are financing your stay with private funds or a scholarship, you must purchase adequate private health insurance covering serious illness and accidents for the duration of your stay. In contrast to the statutory health insurance plan for employees, most private health insurance policies only cover acute care, not chronic or pre-existing conditions or preventative check-ups, and in general each family member must have his or her own policy.
With private insurance, there are great differences both in coverage and in fees. Waiting times apply to pregnancy and childbirth. Pre-existing and chronic conditions are not covered, so be sure to bring along a sufficient supply of any medication that you require.
If you bring along adequate health insurance coverage from your home country and your health insurance provider confirms in writing that they will cover doctor and hospital costs while you are in Germany, your existing coverage may be recognized for stays of up to one year. Your confirmation letter must state any upper limits to the benefits that it will cover. This option is usually only available if your country has a social security agreement with Germany.
If you do not bring adequate health insurance coverage, if this is not recognized, or if you will be staying in Germany for longer than one year, you must purchase health insurance coverage from a German company which can state that its coverage is equivalent in nature and scope to German statutory public health insurance. Check with your personal support to find out which companies are accepted.
Read the benefits and conditions carefully!
Here are a few things you may wish to compare:
Contact your personal support team if you have any questions, particularly if you will be coming with your family.
Please note that private health insurance may make you ineligible for later coverage under the statutory health insurance scheme except for certain cases such as switching from a scholarship to an employment contract.
|Employees with work contracts and MPS support contract holders|
If you have an employment contract or an MPS support contract, you are automatically covered by the German statutory health insurance system, which is mandatory for all employees with an annual income below a certain threshold (2016: € 56,250). The costs for this coverage are a certain percentage of your income and are shared by employee and employer. In contrast to most private insurance schemes,
You are free to select your own statutory health insurance provider (see the lists below). When you sign your work contract, you may inform your employer which one you have chosen, and your employer will contact the health insurance company to confirm your status. Your share of the insurance costs are deducted from your paycheck.
The differences between the various providers are minimal with respect to cost and benefits, but you may want to choose a provider that has an office in Tuebingen or that has information material in English.
In some exceptional cases where there is a Social Security Agreement beween Germany and your own country, your home coverage may continue to apply to you and exempt you from the German statutory health insurance scheme. This must be confirmed by your health insurance provider or social security agency at home using form 1 or 101. If you think this may be the case, be sure to contact your health insurance provider before leaving home.
This list can be filtered by clicking on the drop-down arrow under "Für welches Bundesland suchen Sie eine Krankenkasse?" and choosing the State of Baden-Württemberg.
More information on the statutory health insurance system in Germany (provided by the German Social Security Agency)
The following applies to you if you are a citizen of an EU member state, Iceland, Liechtenstein, Norway or Switzerland.
If you will have a German employment contract, please refer to the information under "Employees" above.
If you are staying in another EU country for less than three months and have a valid European Health Insurance Card (EHIC), you may also use this card in Germany for necessary medical services. Only acute medical care is covered. More information on the European Health Insurance Card is available here.
If you are entitled to statutory health insurance at home, then your domestic health insurance provider will issue Form E106 or S1 on request. Form E106 or S1 entitles you and your family members to register with a German health insurance scheme. The German health insurance scheme will then provide all the services that a German health insurance scheme member is entitled to. The German health insurance scheme will subsequently bill the domestic health insurance provider for their costs. Contact your domestic health insurance provider for more information.
For more detailed information, please see the health insurance overview on the website of EURAXESS Germany - the EU portal for Researchers in Motion.
An illustrated health dictionary is available from the organization Deutsches Studentenwerk (German Student Services) with the support of the German Federal Ministry for Education and Research.Updated 16/01/2017 2:42pm