Health Insurance
Students wishing to study in Germany must have a current health insurance coverage.
You will not be allowed to enrol without it.
| Important: Since 2023, all students (including students with EHIC or from agreement countries) need an electronic notification of a German statutory health insurance for enrolment. To do this, you can contact any statutory German health insurance company and arrange for your insurance status to be reported to MLU (the ID of Martin Luther University Halle-Wittenberg is H0000861). |
Since January 2014, there are new regulations for health insurance coverage that students have to prove for matriculation with the university. Health insurance contracts that students obtained in their home countries for their stay in Germany will be accepted only in exceptional cases!
Thus, we strongly recommend that you:
- obtain only a travel health insurance for the first 4 - 6 weeks of your stay in Germany (please choose a travel health insurance that meets the requirements of the authorities - e.g. Provisit-Visum).
- after your arrival in Germany obtain a statutory health insurance (in German: gesetzliche Krankenversicherung).
The rate students have to pay for statutory health insurance is in a similar range with every state health insurance company (approx. €130 to €150 per month). If you need proof of health insurance for your visa application, please contact us.
In order to be able to provide proof of health insurance cover for enrolment, it is best to consult with a statutory or private health insurance company of your choice early on.
Please refer to the information sheet for details on health insurance in Germany for international students: "Health insurance for international students".
Students coming from EU countries
Students coming from EU countriesStudents coming from EU countries who have a European Health Insurance Card (EHIC) only need a status report from a statutory German health insurance company for enrolment, to which they must submit a photo copy of their card and of the health insurance contract.
Are you aged 30 or over? If so, please note the special regulations (see: Special regulations for students and PhD candidates aged 30 or over)
How to prove EHICYou can prove that you have got statutory health insurance in your home country or that you have European health insurance coverage submitting:
A confirmation or proof of health insurance should contain the following information:
For further information and samples, please visit: http://ec.europa.eu/social/main.jsp?catId=653&langId=de |
Student coming from Agreement States
Student coming from Agreement StatesIf you come from one of the Agreement States Bosnia-Herzegovina, Macedonia, Montenegro, Serbia (excluding Kosovo), Turkey, or Tunisia, you will need a valid proof of insurance from the health insurance company in your home country. Please make sure to obtain this document prior to your departure. For more information on the regulations in the Agreement States, please consult the document "Health insurance for international students".
Are you aged 30 or over? If so, please note the special regulations (see: Special regulations for students and PhD candidates aged 30 or over)
Special regulations for students and PhD candidates aged 30 or over
Special regulations for students and PhD candidates aged 30 or overSpecial regulations apply to students and doctoral candidates who are 30 years of age or older:
Students and doctoral candidates aged 30 or older are no longer subject to compulsory health insurance. Statutory insurance for students and doctoral candidates is therefore no longer possible unless they are in employment that is more than marginal (€556 per month).
Options in this case include DAAD insurance (see below), private health insurance, or providers such as Care Concept or Mawista. Another option is to book an “all-in-one package” from Expatrio, for example, which includes health insurance and a German blocked account linked to a German bank account.
Some of the best-known statutory health insurance providers with their offices in Halle (selection)
- Techniker Krankenkasse (TK) (Bonuses and premiums for Students alongside health events)
- AOK - Die Gesundheitskasse (Most affordable tarrifs and most offices in Sachsen-Anhalt)
- Barmer GEK
- DAK Gesundheit (Bonus program and premiums for students)
DAAD insurance (only for DAAD scholarship holders)
| Students (and their families) who receive a scholarship from the DAAD or one of the DAAD's partner institutions can take out a special combined health, accident, and personal liability insurance policy through the DAAD. Information on this can be found on the DAAD website. |