German universities are required to accept the type of substitutive Private Health Insurance with ottonova we offer as Expatrio.
Our substitutive Private Health Insurance (with ottonova and Provisit) meets the requirements to be enrolled in accordance with regulations (Section 193 Paragraph 3 of the Insurance Contract Act (VVG) and the obligation to nursing care insurance according to Section 23 Paragraph 1 SGB XI // § 193 Abs. 3 Versicherungsvertragsgesetz (VVG) und der Pflicht zur Pflegeversicherung nach § 23 Abs. 1 SGB XI).
If your university is not aware of this, please let us know. Our Expatrio Health Insurance experts can speak to your university and explain the insurance regulation to them.
What Health Insurance do I need to enroll in my German university?
In Germany, Health Insurance is mandatory. Anyone who works, lives or studies in Germany must have Health Insurance. As a student, you generally have two options for Health Insurance:
Public (statutory) Health Insurance and Private Substitutive Health Insurance.
Public Health Insurance:
- Eligibility: Students who are under 30 years old
- Cost: The monthly premium for students with TK is €126.71 for students under 22, and €131.84 for students under 30. This covers most medical expenses, including doctor visits, hospital treatments, and prescriptions.
- Benefits: Comprehensive coverage, accepted by most healthcare providers, and predictable costs.
Private Substitutive Health Insurance:
- Eligibility: Students who are under 30 years can apply. Students 30 or above must apply for Private Health Insurance as they are not eligible for Public Health Insurance in this case.
- Cost: The monthly premium for students with ottonova is €119.91 for students under 30, and €139.02 for students under 37 . This covers most medical expenses, including doctor visits, hospital treatments, and prescriptions.
- Benefits: Access to private and public doctors, often shorter waiting times, advanced dental care and orthodontics.
Exemption from Public Insurance: If you want to choose Private Health Insurance, you must apply for an exemption from the Public Health Insurance system. This decision is binding for the duration of your studies in Germany. Expatrio submits this exemption form for you, so you do not have to do this yourself.