If you wish to study in Germany, you need health insurance. It must already be proofed at the enrolment. In Germany, there are two types of health insurances: Private health insurance and public health insurance.
We recommend you to insure yourself in student fare of a public health insurance. Further information about the health insurance system in Germany is available here.
Important! To enrol at TH Rosenheim, you have to provide proof of health insurance with an electronic report (M10) by your health insurance company. Please quote the sender number H0000974 and the health insurance company will send the required report to the Student Administration at TH Rosenheim.
If you are insured with a private health insurance, or if you are covered by a health insurance policy in another country, you must request a notice of exemption (in German: "Befreiungsbescheid") from a statutory health insurance company in Germany. This notice of exemption has to be presented before enrolment at TH Rosenheim.
EU citizens, as well as citizens from countries that are part of the European Economic Area (EEA) or from Switzerland, can apply for a free European Health Insurance Card (EHIC). This card guarantees medical coverage in Germany. According to European law, the main residence of EU citizens remains in their home country, even if they are studying in another country. Therefore, your statutory health insurance remains valid in your home country. However, with the EHIC card from your home country, you can access medical services in Germany.
If you are not insured in your home country, you will not receive an EHIC card. In this case, you will need to register with a German health insurance provider.
Additionally, (with a few exceptions) the EHIC coverage does not apply in Germany if you are employed in a student job. You will need to take out German health insurance.
With German Student Insurance, you can secure the right coverage even before entering Germany. By answering just a few questions, you will receive the appropriate coverage and can apply for student insurance from abroad (even without a German residence or bank account). Additionally, you will receive an immediate confirmation for your visa and university (guaranteed to be recognised by all authorities and universities), as well as up to 92 days of free insurance coverage from entry until enrolment with the Free Travel Health Insurance.
Students in Germany must be insured with a statutory health insurance provider up to the age of 30. Only in a few exceptional cases are they allowed to take out private insurance. However, most students choose statutory health insurance because it is more affordable. Once you have opted out of statutory health insurance, the exemption applies for the entire duration of your studies.
In Germany, you can choose from various health insurance providers. Regardless of which one you choose, the costs are comparable: Many providers offer a student rate, which is currently around 140 euros per month. However, there are differences in the services and treatments covered by each provider. Therefore, it is still worthwhile to compare different providers.
For enrolment at TH Rosenheim, you will need proof that you are insured.
DAK Traunstein: Maximilianstr. 26 - 28, 83278 Traunstein
The student rates of statutory health insurance only apply until the end of the semester in which you turn 30. Students who are older than 29 can take out voluntary insurance. However, the costs for them are approximately twice as high as for students under 30. Private health insurance companies can be a good alternative here. The German Student Union (Deutsches Studentenwerk) has negotiated special rates for students with private providers in a service package.
You already have a private health insurance
In some cases, private health insurance from your home country can also be recognised in Germany. Your health insurance company can provide you with information on this. If you are privately insured, you will need a confirmation for enrolment at TH Rosenheim that you are exempt from compulsory insurance in a statutory health insurance. Please note, however, that you will then no longer be able to switch to public health insurance for the duration of your studies.
Further important insurances: personal liability insurance
Get a personal liability insurance (learn more). A liability insurance ("Haftpflichtversicherung") can spare you from financial responsibilities, sometimes high above your capacities. You should get it in any case.
Although the insurance premiums are low (approx. EUR 60/year), the benefits in the event of damage to a person or object are enormous. It is one of the most important insurances in Germany for minor or major damalges, e.g. if you cause accidental damage to your landlord's property or injure a person in an accident. Compare offers here.
Insurance Cover before Start of Studies
If you have arranged a student health insurance, your insurance will only start at the beginning of the semester! If you arrive in Germany in advance, please book an additional travel health insurance until your health insurance coverage starts.
Suitable insurance packages can purchased affordably on a daily basis, e.g. the combined travel health, personal liability and accident insurance from Dr. Walter Provist tariffs.
Medical Contacts
For general symptoms or referral to a specialist, you have to make an appointment with a general doctor first. In emergency cases, please call the emergency numbers.
