In Germany, all students are obliged to take out a valid health and nursing care insurance policy. As you are an exchange student coming to our university from a partner university for studies, you will need to give proof of valid health and nursing care insurance upon your arrival for enrollment. Proof of health and nursing care insurance that is in conformity with German laws and regulations is mandatory for all students in order to be enrolled at a German university. As a rule these certificates of valid German regulated health and nursing care insurance bear the stamp “for enrollment at the university”.

For further information, pllease visit the website of the German Academic Exchange Service, which has explained and summarized the topic very well. 

PLEASE NOTE: International emergency travel insurance policies do not conform to German laws and regulations concerning student health and nursing care insurance as they only cover in case of emergency, and will not be accepted for enrollment.

How to give valid proof of health and nursing care insurance?

Students from countries in the EU:

The AOK is a non-profit oriented health insurance organization and one of the largest German health insurance providers. Their advisors will verify your current health insurance policy regarding its conformity German regulations: If your current health insurance policy is suitable for admission at a German university, your AOK advisor will issue the certificate of health insurance "for enrollment at the university" that you will need for enrollment. Please send the completed AOK-Form and a copy of your European Health Insurance Card (EHIC) via email to the AOK student service: muenchen.studenten@service.by.aok.de

Shortly after you will receive your valid certificate of health insurance for enrollment at UniBw M. Please send me this document (by email) about 2 weeks before your arrival. Thank you.

Students from non-EU countries:

Write an email including your current international health insurance policy (sending the health insurance card is not enough as the responsible person will not be able to verify the specific conditions and the coverage), and the completed AOK-Form (attached) to the AOK student service: muenchen.studenten@service.by.aok.de

The AOK is a non-profit oriented health insurance organization and one of the largest German health insurance organizations. The AOK advisors will verify your current health insurance policy free of any charge.

In case the AOK sends you a negative reply that your health insurance cannot be accepted for enrollment at a German university, you must select a German health insurance company and conclude a contract with it. Here are some suggestions:

  • The "German Academic Exchange Service" offers an affordable combined health, accident and liability insurance package (costs are around 140,00 EUR per month)

  • The private health insurance policy “mawista” is recognized/ approved for enrollment at a German university (Student Classic plus package, around 40,00 EUR per month)

  • The student fee for statutory insurance is around 100,00 € per month with any statutory, non-profit German health insurance company. In Germany there are many state health insurances and the AOK is one option among many. Since the contribution rate for students is the same nationwide regardless of the chosen statutory health insurance company and the benefits of the statutory health insurance companies are always the same, you may as well take out a student health insurance policy with the AOK for the duration of your studies at UniBw M. Complete the application form sent to you by your AOK advisor, sign it and send it back to the advisor. If you need help with filling in the form, please contact me. You will receive your certificate of valid health and nursing care insurance required for enrollment soon after sending the filled in application form.

In order to receive the certificate "for enrolment at the university", write an email including your new health insurance policy and the completed AOK-Form (attached) to the AOK student service: muenchen.studenten@service.by.aok.de

Instead of mailing the certificate to your German address, the AOK may also instruct you to pick up the certificate in person at its offices in Munich near the main train station. Please do this within the first week after your arrival in Munich. The address is: AOK Bayern, Landsberger Straße 150 – 152 (street and street no.), 80339 München (postal code and city).