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. What is needed is a health insurance certificate with the inscription "zur Vorlage bei der Hochschule" (for submission to the university).

For further reading on the subject, please visit the informative website of the German Academic Exchange Service and/or find more information on the AOK website for international students.

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. 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

If your current health insurance policy is suitable for admission at a German university, your AOK advisor will immediately issue the certificate of health insurance "for submission to the university" that you will need for enrollment. Please forward me this document about 2 weeks before your arrival. Thank you.

Students from non-EU countries:

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. 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), your personal information such as your name, date of birth, home country, and sex, to the AOK student service: muenchen.studenten@service.by.aok.de
In case the AOK sends you a negative reply indicating that your health insurance cannot be accepted for enrollment at a German university, proceed as follows:

  • Private insurance policies for students that are recognized/ approved for enrollment at a German university are generally much more expensive than the statutory health insurance option for students. This is in the nature of things, because private health insurances (whose business model is to make profit) are generally always more expensive than state, non-profit health insurance companies, such as the AOK.
    The "German Academic Exchange Service" offers an affordable combined health, accident and liability insurance package (costs are around 140,00 EUR per month)
  • The student fee for statutory insurance is 90,02 € 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. 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 let me know. You will receive your certificate of valid health and nursing care insurance required for enrollment soon after.