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Health insurance for international students in Germany

What do I need to know as an international student regarding my health insurance cover, if I want to study in Germany?

First, it depends on your country of origin. The process is easiest for students from the EU, Iceland, Liechtenstein, Norway or Switzerland. You can get immediate medical treatment using your European Health Insurance Card (EHIC), which you will find on the back of your normal insurance card.

Do you come from a country with no EHIC card but with a bilateral social security agreement, i.e. Bosnia and Herzegovina, Israel, Kosovo, Morocco, Macedonia, Montenegro, Serbia, Turkey or Tunisia? If so, you can obtain an entitlement document from your statutory health insurance provider at home before leaving for Germany. You can use this to obtain a treatment form from the AOK prior to a scheduled visit to the doctor, for example.

You’re not from any of the countries mentioned above? Then become a member of AOK NORDWEST!

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Information for students from the EU

A valid European health insurance policy is sufficient for studying in Germany, whether it’s your own policy or a family policy. Ask your health insurance provider in your country of origin up to what age you may obtain free family insurance. You are entitled to access medical services immediately using the European Health Insurance Card.

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Information for international students

Would you like to come to Germany to study? Read all the latest important information regarding your health insurance cover.

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Health care in Germany

Get an overview of how health care works in Germany, the insurance options available to you, and where you can find more information.

Health insurance for international students (ePaper)

Your guide to Germany

Healthy studying in Germany


Your plan to study in Germany is now in place. We‘re glad to hear it. We want you to feel at ease here and to successfully complete your studies.

Welcome to Germany (ePaper)

Become an AOK member now

Download the PDF, complete it and return it to AOK.

Do you still have questions about changing health insurers?

The free hotline of the AOK NORDWEST is there for you. Give us a call!

Telephone: +49 (0)800 265-5045

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