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 foreign specialists at Klemmer International Versicherungsmakler GmbH recommend membership in a statutory health insurance plan if you are less than 30 years old. This provides full health insurance coverage at extremely favorable terms.

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:



  • Free to choose ypur own doctor
  • Reduced costs for medicine, bandages and remedies
  • Exemption frompaying extra
  • Free familiy insurance
  • DAK network of specialists
  • Outpatient surgery
  • Vermittlung von Arztterminen
  • Vorsorgeerinnerungsservice
  • Frendpsrachiger Kundenservice


  • Health check-ups
  • Treatment in hospitals
  • Cancer prevention
  • Dental care
  • Dentures
  • Professional teeth cleaning and implants
  • Vaccinations
  • Sickness allowance during unemployment

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:

Techniker Krankenkasse

Documents for downloading: