{"id":38546,"date":"2026-05-12T13:20:37","date_gmt":"2026-05-12T12:20:37","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=38546"},"modified":"2026-05-15T08:35:49","modified_gmt":"2026-05-15T07:35:49","slug":"university-students-health-insurance-germany","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/university-students-health-insurance-germany\/","title":{"rendered":"University Students Health Insurance in Germany"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"38546\" class=\"elementor elementor-38546 elementor-38539\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb3afdf e-con-full e-flex e-con e-parent\" data-id=\"eb3afdf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b456558 elementor-widget elementor-widget-html\" data-id=\"b456558\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"brx-service-hero brx\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2022\/10\/FOTOS-WEB-2.png');\">\n    <div class=\"brx-service-hero__container\">\n      <div class=\"brx-service-hero__inner\">\n        <div class=\"brx-service-hero__card\">\n          <span class=\"brx-service-hero__eyebrow\">Health insurance for university students<\/span>\n          <h1 class=\"brx-service-hero__title\">Health insurance for university students in Germany<\/h1>\n          <p class=\"brx-service-hero__text\">We help you choose and apply for the medical insurance you need to enrol at a German university. Free advice in English, full management and personalised attention based on your profile: EU or non-EU.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a class=\"brx-btn brx-btn--yellow\" href=\"https:\/\/www.bramex.de\/formulario-seguro-de-salud-estudiantes-universitarios\/\">Request information<\/a>\n            <a class=\"brx-btn brx-btn--white\" href=\"#public-private-students\">Compare options<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Free service.<\/strong> No extra fee on top of the insurer's rate.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-intro\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-intro__grid\">\n      <div class=\"brx-stu-intro__text\">\n        <h2 class=\"brx-stu-intro__title\">Health insurance is mandatory to enrol at a German university<\/h2>\n        <p>In Germany, health insurance is <strong>compulsory<\/strong> for all residents and, specifically, universities require an <strong>insurance certificate<\/strong> to formalise enrolment.<\/p>\n        <p>As a university student you have two main options: <strong>public student insurance (KVdS - Krankenversicherung der Studenten)<\/strong> or <strong>private student insurance<\/strong>. This decision matters because once you choose private, you can't switch back to public during your entire degree, except in very specific cases.<\/p>\n        <p>At Bramex we advise you for free so you can choose the right option based on your age, country of origin and type of university.<\/p>\n      <\/div>\n      <aside class=\"brx-stu-intro__box\">\n        <h3 class=\"brx-stu-intro__box-title\">Is this insurance for you if\u2026?<\/h3>\n        <ul class=\"brx-stu-intro__list\">\n          <li>You will study at a German university, public or private.<\/li>\n          <li>You are under 30 (public) or under 35 (private).<\/li>\n          <li>You come from a non-EU country.<\/li>\n          <li>You are from the EU but your EHIC card is not enough.<\/li>\n          <li>Your university requires insurance with a German number.<\/li>\n        <\/ul>\n      <\/aside>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-compare\" id=\"public-private-students\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-compare__head\">\n      <h2>Public student insurance (KVdS) vs. private student insurance<\/h2>\n      <p>These are the two available options to meet the university requirement. Here are the key differences so you can make an informed decision.<\/p>\n    <\/div>\n    <div class=\"brx-stu-compare__grid\">\n      <article class=\"brx-stu-compare__card brx-stu-compare__card--public\">\n        <span class=\"brx-stu-compare__tag\">Public KVdS<\/span>\n        <h3>For most students<\/h3>\n        <div class=\"brx-stu-compare__price\">\n          <span class=\"brx-stu-compare__price-num\">~\u20ac140-150<\/span>\n          <span class=\"brx-stu-compare__price-unit\">per month in 2026<\/span>\n        <\/div>\n        <ul class=\"brx-stu-compare__list\">\n          <li>Available <strong>up to age 30<\/strong>.<\/li>\n          <li>Accepted by <strong>all German universities<\/strong>.<\/li>\n          <li>Broad and standard coverage for all insured members.<\/li>\n          <li>Includes GP, hospital, emergency care and maternity.<\/li>\n          <li>Only applies to <strong>state-recognised<\/strong> universities.<\/li>\n        <\/ul>\n        <p class=\"brx-stu-compare__note\">The price is made up of \u20ac87.38 base contribution + additional fee depending on the Krankenkasse + \u20ac30.78 or \u20ac35.91 long-term care insurance (Pflegeversicherung).<\/p>\n      <\/article>\n      <article class=\"brx-stu-compare__card brx-stu-compare__card--private\">\n        <span class=\"brx-stu-compare__tag\">Private student insurance<\/span>\n        <h3>More affordable alternative<\/h3>\n        <div class=\"brx-stu-compare__price\">\n          <span class=\"brx-stu-compare__price-num\">From ~\u20ac35<\/span>\n          <span class=\"brx-stu-compare__price-unit\">per month, depending on profile<\/span>\n        <\/div>\n        <ul class=\"brx-stu-compare__list\">\n          <li>Available <strong>up to age 35<\/strong>.<\/li>\n          <li>Cheaper, but with more limited coverage.<\/li>\n          <li>Works by reimbursement: you pay first and get refunded.<\/li>\n          <li>Useful for students <strong>over 30<\/strong> who can no longer join KVdS.<\/li>\n          <li>Always check that your university accepts it.<\/li>\n        <\/ul>\n        <p class=\"brx-stu-compare__note\"><strong>Irreversible decision<\/strong>: if you sign up for private insurance, you can't go back to public for the duration of your studies.<\/p>\n      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-cost\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-cost__head\">\n      <h2>Public student insurance cost breakdown 2026<\/h2>\n      <p>The price of public insurance is calculated on the BAf\u00f6G amount (\u20ac855) and is the same across all Krankenkassen, except for the additional fee (Zusatzbeitrag) set individually by each insurer.<\/p>\n    <\/div>\n    <div class=\"brx-stu-cost__table\">\n      <div class=\"brx-stu-cost__row brx-stu-cost__row--head\">\n        <span>Item<\/span>\n        <span>Monthly amount<\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Base health contribution (10.22 % of \u20ac855)<\/span>\n        <span><strong>\u20ac87.38<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Additional fee (Zusatzbeitrag, average 2.9 %)<\/span>\n        <span><strong>~\u20ac24.80<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Pflegeversicherung &lt; 23 or with children<\/span>\n        <span><strong>\u20ac30.78<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Pflegeversicherung \u2265 23 without children<\/span>\n        <span><strong>\u20ac35.91<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row brx-stu-cost__row--total\">\n        <span>Estimated total for ages 23-30 without children<\/span>\n        <span><strong>~\u20ac148\/month<\/strong><\/span>\n      <\/div>\n    <\/div>\n    <p class=\"brx-stu-cost__footnote\">The Zusatzbeitrag varies between insurers (approx. \u20ac18.64 - \u20ac37.62\/month). At Bramex we compare the Krankenkassen so you only pay what is fair.<\/p>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-cases\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-cases__head\">\n      <h2>Special cases by profile<\/h2>\n      <p>Not all students are in the same situation. These are the most common scenarios.<\/p>\n    <\/div>\n    <div class=\"brx-stu-cases__grid\">\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student &lt; 25 with parents in Germany (GKV)<\/h3>\n        <p>If you live in Germany and one of your parents pays into the German public health system, you can be covered <strong>for free<\/strong> on their Familienversicherung up to age 25, as long as your income stays below \u20ac565\/month (\u20ac603 for minijobs).<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>EU student with European Health Insurance Card<\/h3>\n        <p>If you come from an EU country, in theory your European Health Insurance Card (EHIC) covers you. But <strong>not all doctors accept it<\/strong> and some universities require German insurance. We can help you find an affordable private policy as a top-up.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Non-EU student<\/h3>\n        <p>Mandatory to take out German insurance, public or private, before enrolling. We advise you on the best option based on your age and type of studies.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student over 30<\/h3>\n        <p>You can no longer join KVdS. Your options are: private student insurance (up to age 35) or freiwillige GKV (much more expensive, ~\u20ac230\/month). We help you compare.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>PhD or non-accredited private university<\/h3>\n        <p>PhD candidates and students at institutions without state recognition <strong>cannot join KVdS<\/strong>. You will need private insurance or freiwillige GKV.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student with a job (Werkstudent)<\/h3>\n        <p>If you work more than 20 hours per week during term, you stop being a student for social security purposes. Your insurance is paid by your employer through your salary.<\/p>\n      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-howto\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-howto__head\">\n      <h2>How we help you apply for student insurance<\/h2>\n      <p>A simple process, in your language and completely free.<\/p>\n    <\/div>\n    <div class=\"brx-stu-howto__steps\">\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">1<\/span>\n        <h3>Fill in the form<\/h3>\n        <p>You tell us your age, university, country of origin and start date. All the information we need to advise you.<\/p>\n      <\/div>\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">2<\/span>\n        <h3>We send you the best offers<\/h3>\n        <p>We compare public (KVdS) and private insurance based on your profile and send you a clear summary with prices and coverage.<\/p>\n      <\/div>\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">3<\/span>\n        <h3>You choose and we contract<\/h3>\n        <p>You decide which option you prefer and we handle all the paperwork with the German insurer.<\/p>\n      <\/div>\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">4<\/span>\n        <h3>You receive the certificate<\/h3>\n        <p>We send you the document the university needs to formalise your enrolment.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-end\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-end__box\">\n      <div class=\"brx-stu-end__content\">\n        <span class=\"brx-stu-end__eyebrow\">After your studies<\/span>\n        <h2>What happens to your insurance when you finish university?<\/h2>\n        <p>When you finish your studies, the student rate ends. The Krankenkasse will send you a letter asking about your new situation.<\/p>\n        <ul class=\"brx-stu-end__list\">\n          <li><strong>You start working:<\/strong> your employer automatically registers you with GKV including their contribution.<\/li>\n          <li><strong>You are job-hunting:<\/strong> you move to freiwillige GKV rate or register as a jobseeker.<\/li>\n          <li><strong>You go freelance:<\/strong> you can choose between freiwillige GKV and PKV. We advise you.<\/li>\n          <li><strong>You return to your home country:<\/strong> you submit the <strong>Abmeldung<\/strong> to the Krankenkasse and we cancel the insurance.<\/li>\n        <\/ul>\n        <p class=\"brx-stu-end__warning\"><strong>Important:<\/strong> don't forget to report your situation. If you don't, the Krankenkasse will keep charging the standard rate (much higher than the student one).<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-faq\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-faq__head\">\n      <h2>Frequently asked questions<\/h2>\n      <p>We answer the most common questions about health insurance for university students in Germany.<\/p>\n    <\/div>\n    <div class=\"brx-stu-faq__list\">\n      <details class=\"brx-stu-faq__item\">\n        <summary>Is health insurance mandatory for students?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Yes. In Germany, health insurance is mandatory by law for all residents. The university will ask for an insurance certificate (Versicherungsbescheinigung) to formalise enrolment.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>What type of insurance can I choose?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>You can take out public (KVdS) or private insurance. Public is available up to age 30 and costs around \u20ac140-150\/month in 2026. Private can be cheaper and is available up to age 35, but coverage tends to be more limited. At Bramex we advise you to choose the option that best suits you.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Is there an age limit for the student rate?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Yes. For public insurance, the limit is <strong>30 years old<\/strong>. After that, you move to the freiwillige GKV rate (much more expensive, around \u20ac230\/month). For private student insurance, the limit is <strong>35 years old<\/strong>.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>I'm from the EU, do I need German insurance?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>If you come from an EU country and you're under 30, in theory your European Health Insurance Card (EHIC) covers you. But <strong>not all doctors in Germany accept it<\/strong> and some universities require a German insurance number. That's why an affordable private top-up policy is recommended. We can help you choose one.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Can I switch from private to public during my studies?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>No. Once you register with private insurance at the start of your studies, the decision is <strong>irreversible<\/strong> for the entire duration. Only in very specific cases (for example a long break between bachelor's and master's) is it possible to switch back. That's why deciding well at the start matters so much.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Can I stay on the student rate after graduation?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>No. The student rate ends when you complete your studies. The Krankenkasse will send you a letter asking about your situation (employment, job-hunting, freelance, returning home) and recalculate your rate accordingly.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>What does public student insurance cover?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>KVdS covers GPs, specialists, emergency care, hospitalisation, maternity, prescription medication and basic mental health care, among others. Coverage is very broad and the same for all insured members.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>What about a master's or PhD?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>For a master's degree, you can stay on KVdS if you meet the requirements (age, university). A PhD is <strong>not considered \"studies\" for KVdS purposes<\/strong>, so you will have to switch to freiwillige GKV or private insurance. We can advise you.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>I study at a private university \u2014 can I join KVdS?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Only if the private university has <strong>state recognition<\/strong>. If not, you can't access KVdS and will need private student insurance or freiwillige GKV.<\/p>\n        <\/div>\n      <\/details>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-why\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-why__head\">\n      <h2>Why choose Bramex<\/h2>\n      <p>For years we have been supporting international students arriving in Germany. Here's what makes us different.<\/p>\n    <\/div>\n    <div class=\"brx-stu-why__grid\">\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u2605<\/span>\n        <h3>Choice<\/h3>\n        <p>We help you choose the insurance that best fits your student profile.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u20ac<\/span>\n        <h3>Costs<\/h3>\n        <p>No surcharge on top of the insurer's rate. Free advice.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u2713<\/span>\n        <h3>Insurers<\/h3>\n        <p>We work with 95 % of the best companies in the country.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u2665<\/span>\n        <h3>Support<\/h3>\n        <p>We are with you before and during the entire process.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">i<\/span>\n        <h3>Information<\/h3>\n        <p>We keep you informed of changes that may affect your insurance.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">L<\/span>\n        <h3>Language<\/h3>\n        <p>100 % service in your language: Spanish, English or Romanian.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\ud83d\udcc4<\/span>\n        <h3>Paperwork<\/h3>\n        <p>We handle German bureaucracy for you. You get the ready certificate.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u23f1<\/span>\n        <h3>Experience<\/h3>\n        <p>Specialists in international students in Germany.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-cta\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-cta__box\">\n      <div class=\"brx-stu-cta__content\">\n        <h2>Going to study in Germany? We help with your insurance<\/h2>\n        <p>Fill in the form and we'll send you the best offers based on your age, university and country of origin. No commitment, completely free.<\/p>\n        <div class=\"brx-stu-cta__actions\">\n          <a class=\"brx-btn brx-btn--yellow\" href=\"https:\/\/www.bramex.de\/formulario-seguro-de-salud-estudiantes-universitarios\/\">Request information<\/a>\n          <a class=\"brx-btn brx-btn--white\" href=\"https:\/\/www.bramex.de\/en\/contact\/\">Contact Bramex<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n.brx-stu-container{width:100%;max-width:1200px;margin:0 auto;padding-left:20px;padding-right:20px;box-sizing:border-box}\n\n.brx-stu-intro{padding:80px 0;background:#ffffff}\n.brx-stu-intro__grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:start}\n.brx-stu-intro__title{margin:0 0 18px;font-size:32px;line-height:1.2;font-weight:700;color:#1c244b}\n.brx-stu-intro__text p{margin:0 0 16px;font-size:17px;line-height:1.7;color:#595757}\n.brx-stu-intro__text p 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