All students, who want to come to UniBw M to attend courses and participate in exams, 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.
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 an email including a copy of your European Health Insurance Card (EHIC) to the AOK student service: muenchen.studenten@service.by.aok.de
Shortly after, your insurance status is digitally reported to UniBw M by the German statutory health insurance company (e.g. AOK).
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) 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 190,00 EUR per month)
- The private health insurance policy “MAWISTA STUDENT PRO” is recognized/ approved for enrollment at a German university (around EUR 100 per month)
- The student fee for statutory insurance is around EUR 120 per month with any statutory, non-profit German health insurance company. In Germany there are many state health insurances and the AOK or TK are 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 or TK for the duration of your studies at UniBw M.
Once your health and nursing care insurance has been approved with a German insurer, they will digitally send confirmation of your valid insurance to UniBw M.