Osnabrück University navigation and search


Main content

Top content

Health insurance while studying in Germany

Please note

We strongly recomend that you take out private liability insurance for your stay in Germany.

More information about insurance is available from the International Office.

More information

Illustrated Health Dictionary (published by Deutsches Studentenwerk)

All students in Germany, both international and German, require health insurance. This rule applies until your 30th birthday or the beginning of your 14th semester, whichever comes first. Students in PhD programs are exempt.

When you register/enroll at the university, your must provide proof that you have health insurance. You may not register without it.

Please purchase health insurance shortly after you arrive in Germany. You must bring your letter of admission from the University when you register with an insurer. Bring your membership confirmation to the Admissions Office (Studierendensekretariat) when you register.

You can also take out health insurance during the Welcome Week.

Student insurance

There are special rates for student health insurance. All of the public insurers offer insurance to students under 30 at a monthly rate of approximately € 90.

Agreements with foreign countries

EU/EEA countries

Germany has insurance agreements with a number of countries. Most are European Union (EU) Member States,  and insurance policies from these countries are then accepted in Germany. Students can keep their own insurance and are not obligated to pay any insurance fees in Germany. As a rule, students bring their European Health Insurance Card (EHIC) with them as their proof of health insurance.

Please be aware that in some cases, not all of the costs for treatment in Germany will be covered by your insurance at home! Therefore, you should check with your insurer at home to find out which services are covered in Germany!

At registration at the university, every student is required to provide a statement from a state health insurance company (e.g. AOK, TK or DAK). You can obtain this document when you provide them with proof that you are insured in your own country. At the health insurance company, you will receive a form, depending upon which country you come from, which must be filled out by your own insurer.

Please note also that an exemption from the German state health insurance is valid for the whole duration of your studies!

Non-EU/EEA countries

Currently, Germany also has insurance agreements with other countries. Please get in touch with your health insurance company in your home country to find out if this is also the case with your home country. If so, please also ask your health insurance company which documents you will need from them for your stay in Germany.

Please be aware that in some cases, not all of the costs for treatment in Germany will be covered by your insurance at home! Therefore, you should check with your insurer at home to find out which services are covered in Germany!

At registration at the university, every student is required to provide a statement from a state health insurance company (e.g. AOK or TK). You can obtain this document when you provide them with proof that you are insured in your own country. At the health insurance company, you will receive a form, depending upon which country you come from, which must be filled out by your own insurer.

Please note also that an exemption from the German state health insurance is valid for the whole duration of your studies!