Health insurance for international students
If you are coming to study at a university in Germany, you will need an insurance certificate from a health insurance provider. We will let you know which certificates you need and where you will need to apply for them. This will depend on your country of origin.
Health insurance for new members of AOK NORDWEST (A membership application form has already been completed)
Welcome to AOK NORDWEST – we are pleased to welcome you as a new member. In order to be able to take advantage of the extensive benefits and insurance protection offered by AOK NORDWEST, we still require the following documents from you:
Please also inform us as to your address in Germany as soon as this is known to you and it is possible to deliver mail to you at said address.
Safe delivery of the original documents is possible by post (AOK NORDWEST, D-58079 Hagen). Should you have any further questions, please use our Online Contact Form or visit one of our Customer Centres to be advised personally. Our members of staff will be glad to assist you.
Please do not send us the required documents by mail, as transmission via e-mail is not safe.
Health insurance for students from another EU state
Do you come from an EU state, or Iceland, Liechtenstein, Norway or Switzerland? If so, you will have a European Health Insurance Card (EHIC). You can use this to obtain an insurance certificate from AOK at your place of study, which you will then need to present when enrolling at your university. The EHIC card entitles you to receive immediate medical assistance in Germany in acute cases.
Tip: Ask your health insurance provider in your country of origin to what age you are entitled to obtain free family insurance.
Health insurance for students from states with a social security agreement
Citizens of Bosnia and Herzegovina, Israel, Kosovo, Morocco, Macedonia, Montenegro, Serbia, Turkey and Tunisia do not have an EHIC insurance card. However, these countries do have a bilateral social security agreement with the European Union. Would you like to study in Germany? If so, you must obtain an ‘entitlement document’ from your home health insurance provider before you leave. Take this form to a statutory health insurance provider in Germany, such as AOK NORDWEST, and they will give you an insurance certificate, which you can use to enrol at your university.
Health insurance for students from non-EU states with no social security agreement
If you come from a country that was not mentioned above and would like to study in Germany, you will need to take out insurance with a private or statutory provider, such as AOK NORDWEST.
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