Public vs. Private Insurance

Choosing the right provider depends on your age and student status.

Public Insurance

Best for: Students under 30 in degree programs.

  • Family coverage included
  • Fixed student rate (~€120/mo)
  • Pay only when you see a doctor

Common providers: TK, AOK, Barmer.

Private Insurance

Best for: Students over 30, preparatory course (Studienkolleg), or language students.

  • Often cheaper for young people
  • Faster appointment times
  • Required for non-degree students

Common providers: Mawista, Care Concept.

Incoming Travel

Best for: The gap between arriving in Germany and university enrollment.

  • Valid for visa application
  • Very low cost
  • Temporary coverage only

Coverage usually lasts up to 90 days.

Not sure which one you need?

We partner with TK and Expatrio to get you signed up in minutes.

Get Insurance Help