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 of countries within the European Economic Area (EEA) or Switzerland, are eligible to apply for a free European Health Insurance Card (EHIC). This card ensures access to medical care in Germany. Under European law, an EU citizen’s primary residence remains in their home country, even if they are studying abroad. As a result, you can continue paying for your health insurance in your home country, while still receiving medical benefits in Germany with the EHIC card.
If you are not insured in your home country, you will not be eligible for an EHIC card. In this case, you will need to register with a German health insurance provider.
German Student Insurance: On this portal, students receive advice on the right insurance combination, depending on their personal situation. For arrival and the first few weeks in Germany until enrolment, an insurance confirmation is issued for the EDUCARE24 tariff. Membership with public German health insurance providers such as Techniker Krankenkasse can also already be applied for online. The relevant certificates are made available online. This means that nothing stands in the way of a problem-free visa application with regard to insurance.
Students in Germany must be insured by a public health insurance company until the age of 30. In exceptional cases, they may also take out a private insurance cover. Most students prefer public health insurance as it is cheaper. Once you have left public health insurance, it can be difficult to re-enter later on.
Pricing is the same regardless of which German health insurance company you chose: All health insurance companies offer a student tariff, which is currently set at approx. € 120 a month. However, there are differences between the health services and treatments covered by each health insurance company. Therefore it is worth comparing the providers.
You need proof of health insurance cover for the purpose of enrolment at TH Rosenheim. We recommend registering with a public health insurance company as soon as you arrive in Germany.
DAK Traunstein: Maximilianstr. 26 - 28, 83278 Traunstein
The student rates of the statutory health insurance funds only apply up to the age of 30. Students who are older than 30 can take out voluntary insurance. However, the costs for them are about 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.
