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Health Insurance

HEALTH INSURANCE

International students are permitted to study at German higher education institutions only with a valid and appropriate health insurance. You will need to present proof of an adequate insurance policy at the latest when you enroll. This is the condition for your right of stay (immigration status) and enrolment arrangements. Statutory insurance tariffs vary because each health insurance provider can levy individual additional contributions.

If you are not a student from EU, Iceland, Liechtenstein, Norway or Switzerland and/or don’t have the EHIC European Health Insurance Card or another accepted document, you will need to obtain an insurance policy. Other students from countries, with which Germany has a bilateral social security agreement including an insurance clause, should be able to continue to be covered by their home health insurance carrier whilst in Germany.

Should you not have any of the above, we will prepare an interim membership document for a German insurance policy for you. You can find this pre-certificate in your online documents after you have been officially accepted to our program. Most exchange students take this insurance. We will finalize the policy for you as part of the orientation program. The insurance currently costs 92.62€ per month for students under 24 years old, and EUR 94.24€ per month for students 24 years or older (as of January 2018).

Should you already have or wish to purchase any other insurance policy, we kindly ask you to provide proof of sufficient coverage as outlined in the German Immigration Law. After official acceptance to our program and prior to arrival, please email a copy of your insurance policy to us on healthinsurance@hdm-stuttgart.de. We will be happy to assist you with more information on the insurance waiver process. Please note, that not all policies will be accepted.

Please also take into account, that most travel insurance policies do not meet the minimum criteria set by the German state. We therefore strongly advise against taking out travel insurance only, as it might mean that you are not eligible for an additional statutory health insurance!

For more information please visit the DAAD (German Academic Exchange Service) website.

Please also download an illustrated health dictionary of the German National Association for Student Affairs (Deutsches Studentenwerk) website or here.

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