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Public health insurance for enrolled students

Rated 4.70/5 at
  • Language learners & students
Public health insurance for students who are officially enrolled and coming to Germany.

Are you coming from abroad and planning to enroll at a university in Germany? Then you’ll need proof of valid health coverage. The best option for students is membership in a public health insurance provider (GKV). It covers medical treatment, preventive care, and emergencies – giving you comprehensive protection throughout your academic journey. This is especially important if you're arriving from a non-European country.

Security at a glance

Recommended public health insurances at a glance

For enrolled students, choosing the right public health insurance is a key part of starting life in Germany.

Here you’ll find a selection of recommended providers and their benefits. You can also download important documents and membership applications directly.

Do you have questions or need advice? We’re here for you.

Public health insurance for enrolled students

BARMER Krankenkasse

Strong support for international students.

As a member of BARMER public health insurance, you benefit from an extensive range of services. Digital tools like the BARMER app provide easy access to healthcare services. The bonus program rewards a healthy lifestyle. In addition, international students benefit from English-language telephone support. Membership is possible throughout Germany.

Public health insurance for enrolled students

Techniker Krankenkasse

Modern insurance solutions for tech-savvy students.

Techniker Krankenkasse (TK) is the largest public health insurance provider in Germany, with almost 12 million members. Its innovative services are especially attractive to students interested in technology. You benefit from excellent digital tools and a customer-friendly all-around service. Membership is available nationwide.

Public health insurance for enrolled students

DAK-Gesundheit

Flexible protection for active students in Germany.

DAK-Gesundheit is one of the largest public health insurers in Germany and offers comprehensive coverage for students throughout their entire time at university. It supports and rewards an active lifestyle, for example through online courses and a bonus program. Membership is available throughout Germany.

Public health insurance for enrolled students

AOK

Strong regional presence and solid coverage for students.

AOK provides comprehensive health coverage for enrolled students during their entire studies. It also stands out with a strong local presence and personal guidance through student advisory offices. AOK is a collective of 11 independent regional health insurers – you become a member through your local branch.

The KLEMMER Advantage

Our Promise

For two decades, we’ve been known for our expertise in travel insurance.

We carefully select and regularly update our offers to always provide you with the best options.
We work exclusively with reputable and trusted insurance partners. As a German company, we guarantee the highest reliability and excellent service – with strict data protection according to the highest standards.

Our experienced, multilingual team is here to support you with expert advice and passionate commitment. You can count on us.

Learn more about our company
  • Travel insurance experts for 20 years
  • Tailor-made insurance solutions for every trip
  • Collaboration with leading insurance partners
  • Multilingual advisory team
  • Based in Germany

FAQ & Help for enrolled students

This might be useful for you

Here you’ll find answers to frequently asked questions about our travel insurances. We’ve gathered the most important information to help you feel well prepared. If you still have questions, don’t hesitate to get in touch with us.

  • Are language learners in Germany allowed to work?

    If language learners have a visa or residence permit for the purpose of language acquisition, it is usually valid for the duration of the course – up to a maximum of 12 months. During this time, they are generally allowed to work up to 20 hours per week.

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  • Can I study in Germany for free?

    Tuition fees were abolished in Germany in 2014. If you’re a citizen of an EU or EEA country, your first degree is free of charge – just like for German students. If you're from another country, different rules may apply. It depends on your home country, your study plans, and whether you already hold a degree. Ask the student advisory service at your chosen university for more details.

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  • Can international students receive BAföG?

    Students without a German passport (and without family holding German citizenship) usually aren’t eligible for BAföG – even if they meet other requirements. There may be limited chances for support if they have a long-term residence permit and a clear long-term perspective to stay, or if they come from an EU country, Switzerland, Liechtenstein, Iceland, or Norway.

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  • Do I need a visa to study in Germany?

    Citizens of EU and EEA countries don’t need a visa to study in Germany. The same applies to those already studying in another EU country and holding a valid residence permit. Citizens of Australia, the UK, Israel, Japan, and some other countries usually have no problems applying for a residence permit for study purposes after arriving in Germany. Most non-EU nationals, however, must apply for a student visa at the German embassy or consulate in their home country before traveling.

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  • Do I need health insurance for a language course?

    f you’re from an EU or EEA country and are taking part in a preparatory language course or Studienkolleg, you don’t need additional insurance as long as you're covered by your home country’s EHIC (European Health Insurance Card). If you’re from a non-EU country, you should take out private health insurance until your university studies begin. There are special plans available for language learners.

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  • Do international students need health insurance to study in Germany?

    Yes. To enroll at a German university or university of applied sciences, you need student health insurance.
    If you're under 30 and plan to complete your full studies in Germany, you should join a public health insurance provider. It offers full coverage at very affordable rates. If you’re only staying for part of your studies (e.g. a semester abroad or your thesis), or taking part in an exchange program, a private health insurance plan is recommended. There are special products made for students.

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  • How do I find out if my higher education entrance qualification will be recognized?

    You can check whether your higher education entrance qualification is valid in Germany on anabin (Information portal of the Standing Conference of the Ministers of Education and Cultural Affairs).

    If you come from a country outside the EU, you can contact the International Office of the university of your choice. If the university does not recognize your diploma, you will need to take a qualifying exam. Preparatory courses for this exam are offered by Studienkollegs across Germany. Alternatively, you can start your studies in your home country and transfer to a German university after completing your basic studies.

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  • How good does my German have to be for studying in Germany?

    For studying in Germany, you must prove sufficient German language skills at the C1 level. There are tests to determine your language proficiency, such as the DSH (German Language Test for University Admission for Foreign Students) at the university of your choice or the TestDaF (Test of German as a Foreign Language). The Goethe-Institut also offers language courses with certification that you can use for your enrollment. If you have completed an Abitur at a German school abroad, no additional test is required.

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  • In which cases do EU students still need to take out health insurance in Germany?

    If students have moved their main place of residence to Germany and plan to stay long-term, they are required to take out public health insurance with a German provider. The same applies if they receive funding from a German institution.

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  • What is the Federal Training Assistance Act (BAföG)?

    The Bundesausbildungsförderungsgesetz, or BAföG for short, is a government-funded support program that aims to make education and training accessible to everyone, regardless of their social or financial background.
    Pupils who qualify receive BAföG as a full grant, meaning they don’t have to repay it. Eligible students at universities, technical colleges, and academies receive half of the support as a grant and the other half as an interest-free loan. The amount that actually needs to be repaid depends on each individual case.

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  • What should I do if I'm unsure whether I can join public health insurance?

    In case of doubt, it's helpful to have a consultation with the health insurance provider. All public health insurance companies offer dedicated service phone numbers for inquiries.

    If you need to travel or arrive before your insurance status is resolved, you should arrange a temporary solution before departure. For example, you can purchase guest insurance, even for an extended period. Typically, guest insurance covers treatment costs in case of illness, ensuring you're protected.

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  • Which health insurance is required for employees coming from an EU country to Germany?

    If you are coming from an EU country and were previously covered by statutory health insurance there, you can also join a statutory health insurance provider in Germany as an employee. It is best to request a certificate from your former health insurance provider stating that you were a member. With this proof and your employment contract, enrollment in Germany will be straightforward. By the way, it doesn't matter whether you have the nationality of the EU country or not.

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  • Which health insurance is responsible for me when I return from abroad?

    If you have lived in Germany before and are now returning after a period abroad, you should contact the health insurance provider you were last insured with. If you were with a statutory health insurance provider, you can return to that one. Formerly privately insured individuals can also return and are entitled to join the basic tariff.

    If you have never been insured in Germany, the allocation depends on the type of employment you last had abroad. The simple rule is: employees join statutory health insurance, while self-employed individuals or freelancers take out private insurance.

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  • Which health insurance is responsible for students coming from an EU country to Germany?

    Students from EU countries can generally remain with their home insurance. To prove health insurance coverage from abroad, they need the European Health Insurance Card (EHIC). If you already have an insurance card with the EHIC logo on the back, you don't need to do anything. If not, you can request such a card from your home health insurance provider.

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  • Which school qualifications are recognized by German universities?

    To study in Germany, you need a higher education entrance qualification from your home country that is equivalent to the German Abitur (general higher education entrance qualification). In the USA, this is the High School Diploma, in Alpine and Balkan countries, it is the Matura, in most Spanish-speaking countries, it is the Bachillerato, and so on.

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  • Why should young people from abroad study in Germany?

    International students enjoy many advantages in Germany. Across the country, there are vibrant university towns with a rich cultural scene. The political system and public order are stable, and many universities are internationally renowned. The job market offers attractive opportunities during and after your studies. And best of all: most universities charge no tuition fees.

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Transparency you can trust

Real experiences, real security – what our customers say

The experiences of other insured customers are invaluable. They offer insights into real-life situations, build trust, and help you make informed decisions.

At KLEMMER, reviews are collected by ProvenExpert. See for yourself and benefit from the experiences of other customers.

Excellent

4.70 out of 5 stars

348 reviews

5.00
„Beste Versicherung mit kompetenten Mitarbeitern.Sind Dauerkunden und sehr zufrieden.Danke Frau Puhl für ihre Unterstützung heute und Grüßean ihre Kollegen!!“
L.
4.67
„Schnelle Antwort und unkomplizierte direkte Kostenabrechnung der Behandlung mit dem Krankenhaus. Per E-Mail und Telefonisch sehr gut erreichbar. Rückruf klappt auch wunderbar.“
Steven G.
5.00
„Kompetente und schnelle Hilfe“
Heinrich S.
1.33
„Werben fuer Versicherungen fuer junge Auslaender, die nach Deutschland kommen wollen, um Deutsch zu lernen bzw. Deutschland kennenzulernen. Die inkludierten Leistungen sind jedoch nur irrefuehrend und moralisch fraglich in deutscher Sprache in den AGBs aufgefuehrt. Selbst im sogenannten "Premium"-Paket. Relevante Inhalte sind auf Englisch nicht genau uebersetzt. Auf eine direkte Beschwerde hin ist man nicht naeher eingegangen. Einsichtigkeit und Verstaendnis wurden weder vor noch nach der Beschwerde gezeigt. Meines Erachtens Menschen unwuerdiges Verhalten.“
Anonymous
5.00
„Ich bin äußerst zufrieden mit KLEMMER International Assekuradeur GmbH und möchte mich herzlich für den hervorragenden Service bedanken! Die Abwicklung meiner Anliegen war immer unkompliziert, schnell und professionell. Das Team ist freundlich, kompetent und stets hilfsbereit. Besonders schätze ich die transparente Kommunikation und die fairen Konditionen. Ich kann diese Versicherung jedem empfehlen, der Wert auf Verlässlichkeit und guten Kundenservice legt. Vielen Dank für die tolle Unterstützung!“
Kateryna A.
5.00
„Insbesondere die Geduld von Frau Binder möchte ich hervorheben. Wir hatten jetzt schon 2 Au Pair über Klemmer versichert und werden sicher auch alle weiteren so versichern!“
Anna S.
5.00
„Super kompetent und schnelle Abwicklung“
Anonymous
5.00
„Schnell, Flexibel, Zuverlässig, Funktioniert auch gut bei Wechsel/Anpassung/Stornierung der Versicherung“
Martin B.
5.00
„Die Abeicklung ist wirklich toll. Leider habe ich nie jemanden im Leistungsteam erreicht außer per E-Mail.“
Jana Z.
5.00
„Sehr Kundenorieniert und immer freundlich.“
Max-Rill-Gymnasium R.
5.00
„Unkompliziert und zuverlässig“
Anonymous
4.00
„it as such a good experience which I am pretty satisfied.“
Anonymous
5.00
„My insurance claim was settled promptly and without fuss: I am entirely satisfied with the professional and helpful service received - thank you!“
ED F.
1.00
„Ich wurde sehr unfeundlich beraten und abgewiesen als ich weitere Fragen hatte. Würde die Versicherung niemandem empfehlen.“
Anonymous
4.00
„So far, the feedback and reimbursement of my invoices were clearly and fast. Following the terms and conditions indicated in the contract. I have a year contract with Klemmer. I hope it runs well untill the end :)“
Anonymous
4.50
„Die Antwort auf Ihre Fragen erfolgt zeitnah.“
Anonymous
5.00
„Herzlichen Dank, sehr zufrieden“
Salma H.
5.00
„Sie haben mir schneller antworten. Vielen dank für Ihre Leistungen.“
Ghada E.
5.00
„The insurance helped me during my stay in Germany and when I attended before the hospital everything was good.“
R.
5.00
„Schnelle, unkomplizierte Bearbeitung und wie immer freundlicher Service bei Klemmer. Danke.“
Anonymous
5.00
„Thank you for guiding me and covering the full cost“
Y.
5.00
„Die Vertragsabschluss und die Zahlung der Versicherungspolice sind klar und einfach, keineswegs kompliziert. Als ich einen Zahnarzt in Deutschland aufsuchen musste, verlief alles glatt. Ich musste lediglich den Behandlungsschein sowie meinen Reisepass der Zahnarzthelferin vorlegen und brauchte keine weiteren Formalitäten zu erledigen. Klemmer kümmerte sich um die direkte Bezahlung an den Zahnarzt, ohne jegliche Komplikationen. Hervorragend!“
Dr. Rubén José L.
5.00
„Ich versichere seit 5 Jahren unsere Au-Pairs und internationale Gäste bei KLEMMER. Meistens hatten wir die Versicherung nicht in Anspruch genommen. Aber wenn, dann war die Beratung stets professionell und die Kosten wurden schnell erstattet.“
Maria K.
2.00
„Sehr geehrte Damen und Herren, hiermit möchte ich nur eine Kurze Rückmeldung, dass ich mit euch Service sehr zufrieden war. Ich danke euch sehr. Mit freundlichen Grüßen Fabrice Notahinjanahary“
Anonymous
5.00
„freundliche Berater am Telefon und guter Service jederzeit zu empfehlen“
D.
4.50
„Service einwandfrei und unbürokratisch. Klemmer kann ich uneingeschränkt empfehlen! Beratung in meinem Fall entbehrlich, da das gesamte Konzept online aufgebaut und einfach strukturiert ist und damit wunderbar funktioniert.“
Anonymous
5.00
„Es ist einfach und biss jetzt sehr unkompliziert. Danke“
L.
5.00
„Ich finde es schade, dass man keine Eingangsbestätigung zu eingereichten Rechnungen bekommt.“
Anonymous
5.00
„Unkomplizierte Abwicklung eines stationär geführten Notfalls bei unserem AuPair. Vielen Dank!“
Anonymous
5.00
„Ich bin seit fast 20 Jahren zufriedener Kunde. Unkompliziert, schnell und unbürokratisch.“
Sven H.
4.00
„Toller unkomplizierter Service!“
Anonymous
5.00
„Unkompliziert, Verträge konnten telefonisch besprochen und vereinbart werden. Top Service empfehle es gerne weiter .“
S.
5.00
„wir haben schon den vierten Vertrag abgeschlossen. IMMER schnell bei jedem Anliegen und sehr höflich am Telefon. Hier steht der Kunde wirklich im Vordergrund. DANKE“
Jami N.
5.00
„Schnelle Zahlung im Leistungsfall und unkomplizierte Abwicklung.“
Anonymous
5.00
„I have contacted them many times, they reply quickly. I feel confident with this insurance.“
Mr. H.
5.00
„Wir haben bei Klemmer eine Au-Pair Versicherung beauftragt und waren sehr zufrieden. Sehr schnelle Zahlung bei Anmeldung einer Leistung. Sehr guter Service bei Stornierung durch vorzeitigem Au-Pair Wechsel.“
M.
5.00
„The speed at which my claim was reimbursed was impressive. Thank you! A representative did give me an incorrect email address to send my claim though (there were typos in the email address provided), so that took a bit of time to sort out.“
Anonymous
5.00
„Tel Beratung heute“
Anonymous
5.00
„schnelle Bearbeitung und sehr guter Service“
Anonymous
4.67
„Your response to issues are so timely and excellent“
Gilbert C.
4.50
„Telefonisch immer schnell zu erreichen und immer sehr nett geantwortet. Top Erfahrung, weiter so!!“
Anonymous
5.00
„Kompetent & schnell!“
C.
5.00
„Der Kundenservice am Telefon war stets freundlich und kompetent. Alle Anliegen wurden stets sofort erledigt.“
Anne H.
5.00
„Replies and reimburstments are super fast and easy“
Anonymous
2.17
„From my personal experience whenever I had a question and made a phone call the male staff is usually not so helpful. He kept on saying everything is written on the contract". Yes, everything is written, but I made the call because I wanted to make sure. He made me feel unwelcome and I felt like not calling back anymore which is really bad because I don't feel like staying with your health insurance. I am happy that the reimbursement went through quickly. Thank you.“
Anonymous
4.67
„Auch Umbuchung bei Reiseänderung war kein Problem“
Erwin S.
4.50
„Ich bin sehr zufrieden. Ich kann KLEMMER gut sehr empfehlen Auf ihn ist en Verlass.. Tip-Top“
Gihad E.
5.00
„Unglaublich guter Kundenservice! Bin netterweise darauf aufmerksam gemacht worden, dass ich versehentlich (mein Fehler) doppelt versichert war und die Rückabwicklung war so unkompliziert und die Mitarbeiter sehr freundlich. Ganz klare Empfehlung“
Verena H.
5.00
„Immer schnell und freundlich. Kulanter und sehr kundenorientiert. Vielen Dank!“
Sebastian M.
5.00
„Schnell und zuverlässig. Ich sollte noch zu Nachuntersuchungen, möchte aber damit warten.“
Anonymous
5.00
„Ihre Dienste und Unterstützung sind sehr gut. Danke“
A.
5.00
„Sehr hilfsbereit, immer ohne Probleme erreichbar ,weniger Bürokratie im Vergleich mit anderer Versicherungen Sehr empfehlenswert“
Anonymous
5.00
„Ich persönlich hatte bisher nur gute Erfahrungen mit der Klemmer International Assekuradeur GmbH. Daher würde ich diese Versicherung auf jeden Fall auch weiterempfehlen. Vielen Dank“
Anonymous
5.00
„Klemmer International ist die BESTE 👍🏻“
Anonymous
5.00
„Die bisherigen Erfahrungen waren sehr weit überdurchschnittlich gut. Alle nicht nachvollziehbaren Forderungen einer deutschen Botschaft bei der Erteilung eines Einreisevisums wurden quasi in "Sekundenschnelle" angepasst. Im Gegensatz zu vielen anderen Einrichtungen war ständig jemand zu erreichen und konnte kompetente und praxisorientierte Auskunft geben. Das hört sich übertrieben gut an? Dafür stehe ich, gerne auch in direktem Kontakt. Die kundenfreundliche Arbeit hat mir sehr, sehr geholfen.“
Wolfgang H.
5.00
„Einfacher schneller Abschluss, Kündigung ebenso, Bisher immer alle Kosten übernommen ohne komplizierte Prozesse.“
Anonymous
5.00
„Leistungen waren sehr gut.“
Anonymous
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