Health Insurance

Anyone who wants to study in Germany needs a valid health insurance – without it you won't be able to enroll at the Dortmund University of Applied Sciences and Arts. A valid health insurance is also mandatory for your whole  stay in Germany.

A proof of valid health insurance is also required for applying for a visa as well and later for its extension at Bürgerdienste International (International Citizen Services) in Dortmund or other Immigration Offices in further cities.

When you arrive in Germany you must get a new health insurance valid yor your whole study programme here. In case you come from an EU-country and have an EHIC-card please read the separate information below.



In Germany there are two types of health insurance:

  • statutory health insurance

  • private health insurance

The detailed explanation of these both can be found below. Depending on the purpose of residence and the student's age, the conditions may differ. Please read the information carefully and check the links on the right side as well

The decision for a certain insurance system is an individually one. We cannot give you any direct recommendation!

 

Health Insurance for Visa Application ↓

Please contact the Embassy in order to get information on what kind of health insurance will be needed for the visa application, the amount of money which be covered by that health insurance and so on!

To find the Embassy and the information on visa regulations and needed health insurance please go on the websites of the German Federal Foreign Office.

Commonly the health insurance for the visa application needs to cover the duration of your visa which you will get to come here to Germany. This first visa is usually valid only for 3 months (90 days)  or 6 months (180 days) and not the whole study period in Germany. So it is the best to get good travel insurance for those first months which must be valid for the whole duration of your visa.

Please ask about the needed health insurance for the visa application at the Embassy!

Is my insurance for visa valid for the studies?

Health insurances from other countries are often not sufficient to get enrolled in Germany. They are usually only valid as long as your visa is valid - 3-6 months and not for the whole period of studies. That is why you will have to conclude a new health insurance after you arrival in Germany  – a statutory one or a private one as explained below. 

Exchange students:

If you wan to check if your health insurance for via is sufficient for your semester(s) abroad at our university please contact one of the German statutory health insurance companies to get more information. Please contact them via email or via telephone in advance - at least 2-3 months earlier than your planned arrival in Dortmund as it takes lots of time to proof if it can be recognised and this has to be certificated. Below you can find the contact data to different statutory health insurance providers where you can get more information. In case you do not take care of it in advance and do not get a confirmation that the health insurance from your home country is valid also for studies in Germany - you cannot do it anymore in Dortmund. In that case you will have to get a new health insurance in Germany to get enrolled!


Statutory Health Insurance in Germany and other countries ↓

The statutory health insurers in Germany are obliged to provide discounted student rates for their insurance cover for students until they reach 30 years of age or until the end of their 14th subject-related semester. Students who are under 30 years old pay standard rate of contribution which is at the moment approximately 90€ per month.

As a rule enrolled students who are older than 30 or are exceeding the 14th subject-related semester during their studies in Germany, have 2 options. They can either continue as clients of statutory health insurances by paying a higher rate of contribution or switch to the private health insurance.

Students older than 29 years by start of studies may only obtain private insurance.

The great advantage of statutory health insurance is that you do not have to pay in advance for visiting a doctor – it is all included in this monthly payment. Should you close a contract with a statutory health insurance, you will get an insurance certificate afterwards. This document can be used for the enrollment and visa extension.

There are several insurance companies (AOK, TKK, Barmer, DAK etc.) who offer statutory health insurance. Some of them have offices situated next to the FH Dortmund for example:

AOK Studenten-Service Dortmund
Königswall 21
44137 Dortmund
Webseite of the AOK for Students (German only): https://www.aok.de/pk/nordwest/inhalt/service-fuer-azubis-berufsstarter-und-studenten-5/


English website for further information: https://en.zuwanderer.aok.de/home/

TK Techniker Krankenkasse
Vogelpothsweg 85
(Campus, next to the S-Bahn-Station "Universität")
44227 Dortmund
Homepage of TK at the Campus (German only):https://www.tk.de/tk/kundencenter-a-z/d/0776-dortmund-campus/150650
English website for further information: https://www.tk.de/en

Barmer
Thier-Galerie-Dortmund
Silberstr. 34
44137 Dortmund
Homepage: https://www.barmer.de/en

We cannot publish here a complete list of all statutory health insurance companies, we have published only those in the neighbourhood of our campus - for more information about statutory health insurance and companies please check the links in the right column.

  • Statutory health insurances from other countries

They are sometimes recognized in Germany as well. Please contact  one of the German statutory health insurance companies to get more information if your insurance is recognised for studying in Germany. Please contact them via email or via telephone in advance - at least 2-3 months earlier than your planned arrival in Dortmund as it takes lots of time to proof it and this has to be certificated too. Above you can find the contact data to different statutory health insurance providers where you can get more information.

In case you do not take care of it in advance and do not get a confirmation that the health insurance from your home country is valid also for studies in Germany - you cannot do it anymore in Dortmund. In that case you will have to get a health insurance in Germany to get enrolled!


Private Health Insurance in Germany and from other countries↓
  • Private Health Insurance in Germany

Depending on the purpose of residence and the student's age, the conditions and contributions may differ from one private health insurance to another.

In case you want to get enrolled with a private health insurance you will need to get a confirmation proving your right of being exempted of the statutory system in Germany "Befreiung von der Krankenversicherungspflicht" (exemption from the German health insurance obligation) - this is a certificate which states that you have a valid health insurance for studies in Germany and do not need to get a new one. We recommend you to go directly to one of the companies on the Campus at Emil-Figge-Strasse during their opening hours. The address can be found above. 

  • How does it work with the payment for the medical treatment?

The doctor will send the bill for treatment to you usually 2 to 4 weeks after the treatment. The invoice is payable within 30 days after the receipt, so that there is enough time to forward the invoice to the health insurance company and to receive the refund in advance. The insurance will then transfer the student the reimbursable amount (usually within 14 days) directly to the account - so it can also happen that not all costs will be reimbursed and you have to pay part of the invoice by yourself, depending on what your health insurance covers. The health insurance company reimburses only the costs listed in the contract which you signed.  All of the other cost must be covered and paid by the student. In the long run it does not seem to make a big difference – however it is clearly noticeable when you are just close to cash and has to pay a high bill for the medical treatment.

However with medication it works differently. The medicines must be paid immediately at the pharmacy, so that the insured is reimbursed by the insurance company only after the costs are submitted.

  • Your age - important to now:

As a rule enrolled students who are older than 30 or are exceeding the 14th subject-related semester during their studies in Germany, have 2 option: they can either continue as clients of statutory health insurances by paying a higher rate of contribution or switch to the private health insurance.

Students older than 29 years by start of studying may only obtain private insurance.

Please note: If you start your studies in Germany with a private health insurance, you are not allowed to switch to a statutory health insurance anymore for the entire duration of your studies. Afterwards when you finish your studies your student health insurance expires and you can change to a statutory one or keep a private one with different conditions and of course different costs.

  • Private health insurance from your home country - information for exchange students

Private health insurances from other countries are sometimes recognized in Germany as well. Please contact  one of the German statutory health insurance companies to get more information if your insurance is recognised for studying in Germany. Please contact them via email or via telephone in advance - at least 3 months earlier than your planned arrival in Dortmund as it takes lots of time to proof if it can be recognised and this has to be certificated. Your local insurer will be able to provide you some more information on this topic as well. Above you can find the contact data to different statutory health insurance providers.

In case you do not take care of it in advance and do not get a confirmation that the health insurance from your home country is valid also for studies in Germany - you cannot do it anymore in Dortmund. In that case you will have to get a health insurance in Germany to get enrolled!

  • In case your health insurance is not sufficient you should conclude a contract with the statutory health insurance and bring a confirmation of it to the enrolment.
  • In case your foreign private health insurance is recognised for studying in Germany then you will nees a confirmation proving your right of being exempted of the statutory system in Germany called "Befreiung von der Krankenversicherungspflicht" - (exemption from the German health insurance obligation). This is a certificate which states that you have a valid health insurance for studies in Germany and do not need to get a new one. You can only get it from the German statutory health insurance company. The addresses can be found above. You can also contact them by email or phone.
  • You can of course always get a health insurance in Germany - private or a statutory one (which we recommend).

Please note: If you start your studies in Germany with a private health insurance you are not allowed to switch to a statutory health insurance anymore for the entire duration of your studies.

After you finish your studies your private student insurance will not be valid anymore - you can change then to a statutory one or keep a private one with other much higher conditions.


Information for Members of EU- and EEA-Countries/ EHIC Card ↓

EHIC (European Insurance Card)

Germany has signed social insurance agreements with some countries, including the member states of the European Union and the European Economic Area (Iceland, Liechtenstein, Norway and Switzerland). This means that the statutory health insurance from these countries may be recognized in Germany and can be registered with a statutory health insurer in Germany. Please contact your local health insurance company in order to get further more information.
In case you have the European Insurance Card (EHIC) you just need to bring the insurance card with you to the enrolment.


Special Information for Students Older than 29 ↓

As a rule enrolled students who are older than 30 or are exceeding the 14th subject-related semester during their studies in Germany, have 2 options:

  • They can either continue as clients of statutory health insurances by paying a higher rate of contribution
  • or switch to the private health insurance.


Students older than 29 years by start of studies may only obtain private insurance and cannot receive statutory health insurance for students anymore.

After your studies you have to get a new health insurance - here you have the possibility to obtain statutory health insurance (of course for higher amounts than as a student) or a private one.


Health Insurance and Residence Permit in Germany ↓

When applying for the residence permit in Germany you will also need a proof of a valid German health insurance. More information about the residence permit can be found here.