Do I need German health insurance even if I have travel insurance for Germany?


Yes, you need German health insurance even if you have travel insurance for Germany—especially if you are going to study in Germany.

Here’s why:
- Travel insurance is only valid for your initial entry and covers emergencies for a limited time (often up to 90 days). It is not sufficient for long-term stay or university enrolment.
- German health insurance is mandatory for all international students enrolling at a German university. You will not be able to enroll or get your residence permit without proof of valid German health insurance.

Types of Health Insurance in Germany for Students:
1. Public (Statutory) Health Insurance: Affordable for students under 30 or until the 14th semester (e.g., TK, AOK, Barmer).
2. Private Health Insurance: For students over 30 years or with special circumstances.

What you should do:
- Get travel insurance for your visa application (if required).
- After arrival, arrange German health insurance before university registration.

Key Points:
- Universities in Germany require proof of German health insurance for enrolment.
- The blocked account also does not replace health insurance.
- Some private health insurance plans from your home country may be accepted, but you must get confirmation from a German insurance provider or the university.

Need help finding the right German health insurance?
Pollster Education can guide you through the process and recommend trusted providers. Feel free to contact us at +919324480791 or info@pollstereducation.com for personalized advice!
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