Health insurance for international students
Public vs private, what it costs, and the under-30 rule that decides it.
5 min · updated 2026-07-31 · figures indicative, official sources win
The short version
You cannot enroll or get a visa without health insurance. Students under 30 in degree programs get the public student rate — roughly €120–€140/month at insurers like TK, AOK, or Barmer (mid-2026, verify current rates). It covers doctors, hospitals, and most prescriptions with no meaningful paperwork.
Over 30, or in preparatory/language courses, public student rates often don't apply — you'll compare private plans; read exclusions carefully rather than shopping on price alone.
Practical picks
- Bundles: blocked-account providers (Fintiba/Expatrio) sell visa-ready insurance packages — convenient for the embassy stage.
- Switching: you can change insurers after arrival; what matters at the visa stage is having recognized coverage from day one.
- Travel insurance ≠ health insurance: the visa wants proper coverage, though short travel policies can bridge the days before enrollment.
Common questions
Is dental covered?
Basics yes under public insurance; major dental work only partially. Supplementary dental policies exist from ~€10/month.
My university mentioned a specific insurer — must I use it?
No. Any recognized public insurer works; universities just list common ones.
Ready to pick your program?
The board shows every English-taught degree you can still start — sorted by deadline, linked to official sources.