health insurance
Bachelor /Master
in Germany

Are you going to study at a state or private university in Germany? Then it will be necessary for you to take out health insurance for university students. 

Normally the university will ask you for a document proving that you have contracted health insurance. In most cases, the university will insist that the health insurance be contracted with a German insurance company.

Public or private insurance? We advise you.


You have the option to choose between public health insurance and private health insurance.

You can choose public health insurance if you are not over 30 years old. Insurance costs around 95 euros per month. The exact costs depend on the health insurance company, as they have different prices.

You can also take out private health insurance. The cost depends on your age and the coverage you want to have.

Remember that in Germany, medical insurance is mandatory.

You can take out public or private insurance. There are private health insurance, some of which is cheaper than public insurance from a German health insurance company. At Bramex we can find the best offers so you can decide what type of insurance is recommended for you. Fill in the questionnaire on our website and we will contact you to send you the offers.

In public health insurance, the age limit is 30 years. After this age, the insured changes to the normal rate.

With private health insurance, this age limit is 35 years. This means that you can be covered by private health insurance for longer at a cheaper rate.

At Bramex we can find you the best offers so you can decide what type of insurance is recommended for you. Fill in the questionnaire on our website and we will contact you to send them to you.

If you come from an EU country and are under 30 years old, you can normally be insured here with your European health card.

However, it may happen that not all doctors in Germany accept the card. In addition, it may happen that the coverage offered by your health card in your country of origin is not the same as in Germany. In this case, you would have to take care of the additional payments. Therefore, it is always advisable to take out cheap private health insurance for the time you are in Germany and to avoid any unforeseen additional payments.

There are also some universities that only accept that you have German health insurance. This means that you must provide the university with a health insurance number from a German health insurance company.

If you are insured by German public health insurance, the student fee ends when you complete your studies.

Typically, the health insurance company will send you a letter and ask what situation you are in. That is, if you have found a job and start working, if you are looking for a job, if you are self-employed or if you have finished your studies and are going to return to your country of origin.

Depending on your answer, the health insurance company will recalculate the situation and adapt the rate accordingly.

If you return to your home country, the health insurance company will cancel your contract.

In this case, you can cancel your health insurance by presenting the Anmeldung to the health insurance company. Do not forget that it is important to cancel your contract to avoid future payments.

Affiliate Partners of Bramex

At Bramex we carry out the management process with the insurer for free.

You can find more information and answer questions about this health insurance in our FAQ.

If you want to take out the insurance, you just have to fill in the form and we will send you the insurance contract by email.