Stethoscope with health insurance card and pills

Statutory health insurance

Subject to social insurance contributions?
Do you need statutory health insurance?

Statutory health insurance is mandatory for employees, enrolled students, farmers, artists, and journalists in Germany. On principle every insured has the same claim for benefits: It covers the cost for seeing a doctor, operations, medications, medical devices from hearing aids to walking frames, and preventive measures.

Take a look at our partner programs!

Statutory health insurance for enrolled students

You want to register or enroll at a German university as a student? Then student health insurance is required for you by law.

The specialists at KLEMMER International Assekuradeur GmbH recommend that you join a statutory health insurance fund if you are under 30 and are studying in Germany for the entire duration of your studies. There you will receive full health insurance at extremely favorable conditions.

If you are taking part in an exchange program or are only completing part of your studies (Bachelor’s/Master’s thesis, etc.) in Germany, we recommend that you take out our STUDENTS insurance.

To make your search for optimum insurance coverage easier, we have reviewed the benefits of leading German health insurers. Klemmer International Versicherungsmakler GmbH has chosen the tailor-made health insurance concepts for foreign students in Germany from two renowned German insurers, and is able to offer you corresponding insurance coverage at extremely favorable terms.

Check out multiple award-winning benefits, and apply for insurance today.

Simply download the application as a fillable PDF file, fill it out, and send it with a passport photo and your certificate of acceptance to


Documents for downloading:


Documents for downloading:

Statutory health insurance for employees

Your permanent residence is in Germany, or you are staying in Germany as an employee subject to social insurance? If so, joining a statutory health insurance plan is mandatory.

Your welfare and that of your family is very important to us and we want you to have the best coverage. For example, you can co-insure your children and spouse with family insurance, exempt from contributions.
We have reviewed the benefits of leading German health insurers so you do not need to spend a lot of time searching.


Documents for downloading:



  • Service telephone
  • Doctor and hospital search portal
  • Medical information hotline
  • Rehab consultation
  • Arrangement of medical appointments
  • Preventive care reminder service
  • Customer service in foreign languages


  • Professional teeth cleaning, dentures, etc.
  • Outpatient naturopathic treatment
  • Protection when traveling abroad
  • Additional benefits beyond the statutory minimum
  • Special elective tariffs for more benefits or financial advantages
  • Individual health promotion
  • Special outpatient care / integrated care

Bonus program

With bonus programs, health insurers reward health-conscious and/or cost-conscious behavior on the part of their insureds. Often attractive sums of money if certain measures are taken. The DAK offers up to € 210.00 annually if 5 measures are completed. (for example, bonus for compliance with all vaccinations, bonus for maintaining normal weight, bonus for annual dental check-up, bonus for gym membership, bonus for sports club membership, bonus for participation in skin cancer screening).

AOK - Die Gesundheitskasse

In Germany, all students need health insurance in order to enrol at a university. This also applies to international students. When choosing a health insurance provider, you should make sure that it is the right fit for you and your needs.

AOK is one of the biggest health insurance companies in Germany with over 27 million policyholders. For over 100 years, it has been providing its members with the best medical care in the event of illness.
With its comprehensive AOK student service, it is always there for you.

Documents for downloading:

For the ninth time in a row, AOK has won the YoungBrandAwards vote as the most popular health insurance company. The online vote is used by young people and adults to select their preferred brands. With 45 percent of the votes, AOK is clearly ahead of all other health insurers. Among young women in the 16 to 25 age group, AOK is particularly popular with 59 percent.

Since 2011, the market research agency “youngcom” has been asking young people and adults about their most popular brands from 24 categories. The nationwide online election is one of the largest brand voting processes in Germany. The top 6 brands available for selection in each category are nominated by polls at the beginning of the year. In the “health insurance” category, a total of more than 20,000 participants took part, around 11,000 of whom were aged between 16 and 35. The AOK already won in the YoungBrandAwards in 2011 and 2013 to 2020.

Techniker Krankenkasse

Documents for downloading: