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 the money-back coverage and 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:

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

International Students Identity Card and DAK

With your International Students Identity Card you can now officially prove your status as a student. WORLDWIDE. But that’s not all: whether you go out to dinner with friens, travel by coach to visit familiy or go shopping, your ISIC opens the door to more than 50,000 discounts in over 125 countries.

Techniker Krankenkasse


  • Servicetelefon
  • Arzt- und Krankenhaus-Suchportal
  • Medizinische Infohotline
  • Reha-Beratung
  • Vermittlung von Arztterminen
  • Vorsorgeerinnerungsservice
  • Frendpsrachiger Kundenservice


  • Professionelle Zahnreinigung, Zahnersatz etc.
  • Ambulante Naturheilverfahren
  • Schutz bei Auslandsreisen
  • Zusatzleistungen über die gesetzlichen Mindestregelungen hinaus
  • Spezielle Wahltarife für mehr Leistung oder finanzielle Vorteile
  • Individuelle Gesundheitsförderung
  • Spezielle ambulante Versorgung / Integrierte Versorgung


Mit Bonusprogrammen belohnen die Krankenkassen gesundheits- und/oder kostenbewusstes Verhalten ihrer Versicherten. Oft winken
attraktive Geldbeträge, wenn bestimmte Maßnahmen wahrgenommen werden. Die DAK bietet jährlich bis zu 210,00 €, wenn 5 Maßnahmen absolviert werden. (zum Beispiel Bonus für Einhaltung aller Schutzimpfungen, Bonus für Einhaltung von Normalgewicht, Bonus für Jährliche Zahnvorsorge, Bonus für Mitgliedschaft im Fitnessstudio, Bonus für Mitgliedschaft im Sportverein, Bonus für Teilnahme an Hautkrebsvorsorge)