Travel Health Insurance as a requirement for a German Visa

Everyone in Germany must have a German Health Insurance. This includes Germans and non-Germans. This is specified by the German health care system. The Germans and residents follow it strictly. Therefore, you must obtain a Health Insurance or your visa will not be awarded. Health Insurance is required for all types of visas.

Are you travelling to Germany as a worker, student or tourist? Find out about Health Insurance and how the German Health Care System works.

However, there are different types of Health Insurance. The difference is at the level of the type of visa you are requesting. Here is a list of the various types:

  • Health Insurance Coverage for students
  • Health Insurance for German Language course students
  • Schengen Visa Insurance – Travel Insurance for tourists/visitors
  • Health Insurance for workers, freelancers and expatriates.

Health Insurance Coverage for international students

After getting your admission letter from a German University, you have to obtain a German Health Insurance before getting a Student Visa.

Health Insurance covers all your medical expenses while you study in Germany. Therefore as an international student in Germany, you do not have to worry about paying for your medical bills. Health Insurance permits you to get final permission from the University, and clearance to start your studies. Consequently, if you fall sick, then your medical bills will be handled. All you have to do is focus on your studies.

As an international student in Germany, you can obtain any one of the following Health Insurance plans:

  • Private Health Insurance
  • Public Health Insurance

Students who must not have health insurance

Public Health Insurance is compulsory for all international students. However, you must not have the Health Insurance if you belong to any one of the following classes of people:

  • College students
  • Post-graduate students
  • Scholarship recipients who are not employed
  • Language course students
  • Students older than 30 years
  • Guest scientists
  • Students who have been studying in Germany for more than 14 semesters.

If you belong to any of the aforementioned categories, then you will obtain private health insurance.

There are many insurance companies in Germany. This is as a result of the many international students in the country. You can use the health insurance from your home country. However, it is recommended to get your health insurance from a German company. Similarly, you can use your European health insurance card if you are a citizen from an EU member country. Your card will be recognized by institutions in Germany. Most noteworthy, read the contract and terms and conditions of the insurance company before buying the insurance.

DR-WALTER is one of the most reliable Health Insurance companies in Germany. The company has been operational for many years. Also, it is the recommended Health Insurance company for foreign students. They are affordable and reliable. Check out the EDUCARE24 plan which is common amongst international students in Germany.

Obtain PRIVATE Health Insurance for International Student

Obtain PUBLIC Health Insurance for International Student

Health Insurance for German Language course students

Language course students must obtain Health Insurance like any other student. You will not be allowed to attend classes if you do not obtain Health Insurance.

As a language course student, you must obtain the private Health Insurance. A public Health Insurance is not allowed for this type of German Study visa. The insurance shows that your medical bills will be taken care of the entire time you will be in Germany. The insurance is relatively cheap. It costs about €33 per month in most cases.

Obtain a Private German Health Insurance

Schengen Visa Insurance – Travel Insurance for tourists/visitors

You need a German Tourist/Visitor Visa to enter Germany to visit relatives, business meeting or sightseeing. However, you must obtain Health Insurance as a requirement for the Tourist Visa. The first thing to check is whether or not you need a German visa to enter Germany. If you need a visa, then follow the application steps to get a German visa.

The German Tourist/Visitor Visa permits the holder to travel to Germany and stay for 90 days within 6 months. Also, the holder can travel to any Schengen Area country within this period. This visa type if for tourists, attending business meetings or conferences, and visiting family and friends. However, Health Insurance is a requirement for getting the German Tourist Visa.

German Embassies and Consulates around the world specify that applicants must obtain the insurance. Also, the insurance must cover your medical bills with a minimum of €30,000 during your stay in Germany. The travel insurance covers all health issues and emergencies in Germany. Also, it covers the transportation of the holder’s remains in case of death. The insurance is affordable and easy to obtain.

It is recommended to get the PROVISIT VISUM from DR-WALTER when you are trying to get a Schengen visa. It is recommended by most tourists and visitors who have visited Germany. Therefore it is a good option for you. Also with DR-WALTER, you can cancel your insurance if you are refused a visa. Cancelling the insurance is free of charge.

Obtain Travel Insurance for Tourism or Visiting

German Health Insurance for workers, freelancers and expatriates.

Germany is the world’s fourth economy. Also, it is the best European economy. Therefore Germany is a place with so many opportunities. Companies like SAP, BMW, Volkswagen, Audi, Allianz, Siemens, Aldi, Mercedes Benz and Adidas have their headquarters in Germany.

The country has world-class working conditions. Also, employees’ rights in Germany are well protected. However, if you have found a job in Germany, then work insurance is necessary to get the German Work/Employment Visa. This insurance is strongly recommended for expatriates. You can get the insurance here. This insurance is recommended by foreigners who have lived and worked in Germany.

However, if you have not gotten a job, then you can obtain the Blue Card. This is similar to the US Green Card. It permits you to stay and find a job. It is recommended to obtain Health Insurance that will cover you for any accidents and emergencies for up 5 years. If you are an expatriate, then you must obtain the insurance before you can get any contract in Germany.

Get the German Working Health Insurance

How does Health Insurance help me?

Firstly, note that there are different insurance types. The difference is at the level of your purpose in Germany. You will get these insurances at different prices. That said, the insurances mentioned herein will cover the following:

  • Hospital treatments and services
  • Emergencies and accidents
  • Medical treatments. For instance, dental or cardiac treatment
  • Burial expenses or transfer expenses
  • Walking aids of wheelchairs
  • Transportation to hospital
  • Coverage of theft or loss of personal property and belongings.

The German Health Care System

The German Health Care System is a dual private-public system. It started back in the 1880s. Also, it is the oldest health care system in Europe. The doctors and specialists in this system are making one of the best health care systems in the world. The German Health care system obliges everyone coming to Germany to obtain Health Insurance coverage.

Health Insurance or Healthcare in Germany is characterized by a dual system of:

  • Private Health Insurance (Private Krankenversicherung or PKV) and
  • Public or Statutory Health Insurance (gesetzliche Krankenkasse or GKV)

Public Health Insurance is often called “Sickness funds”. Every resident and citizen in Germany are entitled to the statutory health insurance. However, they can also obtain private health insurance. They must meet the criteria to obtain private health insurance.

The Federal Ministry of Health is in charge of developing and enforcing health policies in Germany. However, the Joint Federal Committee regulates the health sector.

German citizens and residents who earn between €850 and €4,462.50 MUST obtain public health insurance. As of 2018, 14.60% of the income is paid as health insurance. However, the employer pays half, while the employee pays the other half. The resident’s contribution depends on their income.

On the other hand, health insurance covers unemployed residents’ medical bills. However, they must register their address.

Unlike low-income earners, you can obtain private health insurance if you earn more than €4,462.50.

Watch this video to know more about how Germany’s Healthcare works

Diana Verry

Benefits of Health Insurance in Germany

Health Insurance enables you to access all public health institutions in Germany. You get services like check-ups and medical treatments. Residents with private health insurance received services as stated in their contracts. On the other hand, those with public/statutory health insurance receive services as they need it. However, public health insurance does not cover things like:

  • consultation fee with private doctors
  • dental implants
  • contact lenses and glasses
  • private rooms in hospitals and so on.

On the other hand, private insurance may cover all these things. However, it depends on your contract with the private health insurance company.

Paying medical fees with Health Insurance

As a private insurance holder, you have to send your medical bill to insurer so that they handle the payment. On the other hand, if you have statutory health insurance, the hospital or clinic where you received treatment will send your bill to your insurer directly.

Who can obtain Health Insurance in Germany?

Non-Germans in Germany who are living for long-term must obtain public health insurance. There is a process to follow to get health insurance.

  • Firstly, you must register yourself at your local town hall (Einwohnermeldeamt).
  • Obtain a social number
  • Start contributing to national insurance
  • Register with an insurance fund and get a card. Show this card each time you go to the hospital.

Now you have the right to receive treatment from a public health institution like any German citizen.

European Union member, EEA and Swiss citizens who have a European Health Insurance Card can be treated at any public German health institution. This is in the case where they are living temporarily in Germany. However, if this citizen chooses to take up residence in Germany, then he/she must obtain German Health Insurance.

On the other hand, if the EU or EEA or Swiss citizen does not have a European Insurance, then they must obtain private health insurance. Otherwise, they will pay their medical bills in full while in Germany.

How can my spouse and children benefit from my health insurance

If your spouse and children are not working, then they can be added to your health insurance plan. However, verify with your health insurance provider if you are on a private insurance plan.

Other Requirements