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Bachelor

Bachelor
Bachelor

 

 

What do you need?

 

For your Visa appointment as well as for enrollment at your University you require proof of legit insurance in Germany.


When do you need it?

Before starting your studies - we recommend to take care of it while you're still in your home country.

 


Where do I get the necessary documents / What kind of insurance suits me best?

Finding the perfect type of Insurance for you depends on a lot of things such as age, what type of study program you're attending and so on.. 


 

Age

You're below 30 years of age when starting your studies?

In this case you can register for discounted public health insurance. By law public health Insurance is mandatory. Only in certain cases you can apply for an exemption of public health Insurance. 

 

When starting your studies you're older than 30 years?

In this case you can choose between public and private health Insurance. Nevertheless you're not able to apply for a discounted public health Insurance, so you're going to end up paying much higher monthly contributions. 

 

Type of studies / preparation course (pathway, path to Bachelor, pre-studies, preparation courses)

You're starting your studies in Germany by attending a preparation/language course?

Public health insurance unfortunately is impossible while you're still in your preparation program. Nevertheless as soon as you finish these preparation courses / pathway programs and you Start with your regular bachelor public health insurance is mandatory. That's why we recommend to already apply for it so you took care of all the necessary paperwork beforehand.

 

Duration of studies

You're in Germany for a maximum of 1-2 semesters?

If you're attending a short-term exchange program you're probably going to apply for private insurance because of the shortage of your stay. Nevertheless you're still free to apply for public insurance if you wish to. 

 

 


Public health insurance

Contribution / insurance premium

In public health Insurance you're paying a fixed amount of money. The amount you're going to pay monthly is 84,22€ in health insurance and 22,69€ in included long term care insurance (in case any major health related issues occur). In total you can get full Insurance coverage for a monthly payment of 106,91€ which is mostly going to be debited from your bank account. Students who are older than 23 and don't have children pay a slightly higher contribution in long term care insuranceIn these cases monthly payment will be 108,77€. The amount of the contribution usually does not change in contrast to private insurance. That's because you don't pay a personal risk-related contribution but a fixed discounted amount for students.

In summary you're going to be fully covered in health and long term care Insurance for a reasonable price. 

 

Please note: It is extremely important to take care of you paying your contributions to the Insurance provider on time. If you would for example stop paying monthly the Insurance provider has to inform your University regarding this issue. This would result in you being exmatriculated. Being exmatriculated would end up in you losing your visa.

 

We want to make sure your stay in Germany is full of new, beautiful impressions so we offer to find individual solutions in case your budget ever gets out of control.   


Our partner in public health insurance

We're proud to say we're working together with one of the largest public health insurance providers. 

BARMER is known for their expertise with students and their needs. They have over 400 branches all around Germany, so you'll have a personal contact person wherever you decide to study. Nevertheless you can deal with all your question via their BARMER App. Whether it's uploading bills, downloading certificates for enrollment or trying out a digital doctor service - BARMER has your back no matter which way you prefer getting in touch with them. If you have any questions they'll provide you with english speaking staff 24/7.


Detailled information on what is covered

 outpatient treatment                 yes, unlimited
inpatient treatment yes, unlimited - copayment 10€ / day for food&stay
dental treatment

yes, unlimited - possible copayments for
special dental prosthesis

pharmaceutical products

yes, unlimited - copayment 10% of cost, min.5€, max. 10€

therapeutic treatment yes, unlimited - copayment 10€/prescription + 10% of cost,
minimum 5€, maximum 10€
assistive devices

yes, unlimited - copayment 10% of cost, min. 5€, max. 10€

Pregnancy and birth yes, unlimited
Psychotherapy yes, unlimited

Exclusions

non governmentally approved treatment methods, other than that all necessary types of treatment ( preventive curative and rehabilitative) are fully covered

 

Pre-existing diseases are not excluded so there is no need to worry when taking care of it.

How do I use my insurance?

There is no need for paying after a doctors visit like it is with private insurance. You're paying your monthly fees and therefore you're being provided with a health insurance card. 

 

When visiting a doctor they're going to ask for your health insurance card so they can scan it. Payment of treatment is regulated between your doctor and your insurance provider. That's how it works for inpatient, outpatient and dental treatment. 

Term of contract

In public health Insurance you don't have to worry about signing a contract with a limited duration. You're going to be covered for as long as you need it. If you would leave germany after getting your degree simply inform us and the contract will end automatically.

Please note: As long as you're officially enrolled as a student your contract will keep running. 

Additional information

Public health insurance is very common in Germany. Around 80% of students and 90% of all people are insured via public Insurance.

In addition to health insurance there is also long term care Insurance included in the contracts. So in case any major issues occur it could be possible that long term care Insurance will help you out by paying for a nurse who is supporting you with eating, washing, dressing and so on. In some cases you can apply for help from long term care insurance after a certain period of time. Applying for either health or long term care insurance is impossible since both are mandatory by law. 

 

Please note: In public Insurance you're usually not provided with a Policy-type of document. No need to worry - that's because most of what is covered is regulated by law so you don't need to watch out for exclusions like with private insurance. 

That was a lot of information. Who's helping me out now?

 

Name: Alexander Gießbach ("Alex")

 

Mobile: +49 16090456779

 

E-Mail: alexander.giessbach@barmer.de

 

Language: English, German

 

www.barmer.de/e000041


Private health insurance abroad,                                       Tariff mawista Student Classic

Monthly Contribution

Insurance period Student
Classi                                                                                                           
 1st to 12th month (up to 40 years of age) 33,10 €
from 13th to 48th month (up to 40 years of age) 56,70 €

What is included?

outpatient treatment                     yes
inpatient treatment yes, general care class and multi-bed rooms only
dental treatment

yes, only pain-relieving dental treatment and
repair of dentures 100 % , up to 500 EURO per insurance year

pharmaceuticals yes
therapeutic treatment yes, maximum of  8 treatments per insurance year
assistive devices only accident-related, maximum of 250€
Pregnancy and birth waiting time of 8 months
Psychotherapy no

Exclusions

Medical treatment and other medically prescribed measures which are an occasion for the stay in the agreed area of application; 

Medical treatment and other medically prescribed measures, the necessity of which was known to the insured person prior to the stay in the agreed area of application or at the time of conclusion of the insurance policy, or which he had to expect under the circumstances known to him; 

any kind of preventive medical check-ups or control examinations or vaccinations as well as nutritional and tonic substances; 

Orthodontic treatment, dental treatment that goes beyond pain-relieving treatments, repairs of dentures and temporary appliances. Dentures, inlays (Student Classic ® tariff only); 

Abortion, pregnancy that existed before the beginning, otherwise 8 months waiting time; 

Treatment of alcohol, drug and other addictions; 

the treatment of mental or emotional disorders as well as hypnosis and psychotherapy; 

Fees and charges in excess of those considered to be customary and reasonable in the country in question and for optional services such as a single room or treatment by a chief physician.

How do I use the insurance?

If you visit a doctor or hospital without an overnight stay (outpatient treatment), you will receive an invoice from your doctor or hospital. You must transfer the money to the treating doctor or hospital. A cash payment is only required in rare cases. We need the following documents from you so that you can be reimbursed by the insurance company:

Your name

Your insurance number

Treatment data from doctor (incl. diagnosis)

medical services + statement of costs

If necessary, prescriptions prescribed by a doctor (with medication, price and stamp of the pharmacy)

You must submit the receipts using our online form, by e-mail or by post.

The processing time is usually 2 weeks.

Duration

The contract can be concluded for a maximum of 48 months. If you no longer need the insurance, you must cancel it at the end of the month.

Additional information

long term care insurance is not included.

 

 Important: You will receive an insurance policy. If you visit a doctor, you should have this with you. This is because the billable benefits are included for the doctor. Otherwise it can happen that the doctor provides services that are not insured.


Is there anything else I have to do?

In addition to the proof of health insurance, you need to have a confirmation of opening a blocked account for your Visa-appointment. You can open your blocked account online on our website. See more.

Why do I need this?

In order to show that you're going to be able to pay for your expenses in Germany, it is mandatory to provide proof of opening a blocked account for your visa-interview. You can apply for it above.  

This blocked account is officially approved by the German Federal Foreign Office and is offering you an automated, fast and secure way to take care of your finances. They even offer an App for a better overview. 


Who can help you out?

 

Name: Hans Walter Schäfer

 

Telephone: +49 (0) 228 33 88 77 0

 

E-Mail: team@expertensicher.de

 

Language: German

 

 


Important note: The contents of this website and videos are created with the greatest possible care. However, A + E GmbH does not guarantee the accuracy, completeness and timeliness of the content provided. The use of the contents of the website and the videos is at your own risk. Liability of A + E GmbH for the incorrect use of the contents is excluded. Only the conditions, premiums and tariff descriptions of the insurance companies are valid. The videos do not represent legal advice or insurance advice. Not all insurance companies and offers worldwide have been considered in the offers and insurance comparisons.