{"id":4299,"date":"2025-04-02T13:55:58","date_gmt":"2025-04-02T11:55:58","guid":{"rendered":"https:\/\/stw.uni-heidelberg.dev10.econsor-programming.de\/versicherungen\/"},"modified":"2025-06-17T18:11:42","modified_gmt":"2025-06-17T16:11:42","slug":"insurance","status":"publish","type":"page","link":"https:\/\/www.stw.uni-heidelberg.de\/en\/advice-service\/insurance\/","title":{"rendered":"Insurance"},"content":{"rendered":"\n
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Insurance<\/h1>\n\n\n\n

Students must always be insured for health and long-term care – either through their parents’ family insurance or in the student health insurance scheme.<\/p>\n\n\n\n

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Health insurance<\/h2>\n\n\n\n

Health insurance for students is mandatory in Germany. Students at state or state-recognised universities must be insured in health and nursing care insurance. Up to your 25th birthday, you can be covered by family insurance free of charge through a legally insured parent, after that you must choose your own health insurance.<\/p>\n\n\n\n

This also applies to international students. Students from countries with which the Federal Republic of Germany has a social security agreement are excluded. This applies to all countries of the European Union and the European Economic Area (EEA). The EHIC (European Health Insurance Card) or a corresponding substitute certificate from the statutory health insurance fund in your home country is sufficient proof. Sufficient proof of entitlement are the certificates GHIC (Great Britain), BH 6 (Bosnia and Herzegovina), D\/RM 111 (Macedonia), DE\/MNE 111 (Montenegro), DE 111 SRB (Serbia), A\/TN 11 (Tunisia) and A\/T 11 (Turkey).<\/p>\n\n\n\n

Health Insurance for Students<\/strong><\/h3>\n\n\n\n

When you enrol, you already have to prove that you are either insured in a public health insurance fund or that you are exempt from compulsory insurance. Student health insurance is generally valid until the student reaches the age of 30. The general contribution for student health insurance as well as the associated nursing care insurance contribution is set by the Federal Ministry of Health uniformly for all statutory health insurance funds at the same level. In the case of health insurance, an individual supplementary contribution rate is added.<\/p>\n\n\n\n

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Family insurance<\/h2>\n\n\n\n

There are age limits for children in family insurance. If they are still at school or university or are completing vocational training, they are insured until they reach the age of 25. Under certain circumstances, this can be extended if they have completed voluntary military service or separately regulated voluntary service.<\/p>\n\n\n\n

Please note:<\/u><\/strong><\/p>\n\n\n\n

Income limits apply for family members with family insurance. The total monthly gross income must not exceed 485 euros (applies for 2023). If the income is above the limit, free family insurance is no longer possible.<\/p>\n\n\n\n

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Statutory accident insurance<\/h2>\n\n\n\n

Students are legally insured against accidents according to the German Social Security Code (SGB VII). The prerequisite is that you are enrolled at a state-recognised university, college or university of applied sciences or are a doctoral or diploma student. The insurance cover is non-contributory. The costs are borne by the German federal states.<\/p>\n\n\n\n

Insurance coverage exists<\/strong><\/p>\n\n\n\n