Your Health Insurance for visa and enrolment at a German university

Get premium health insurance coverage for your stay in Germany

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Health insurance is a requirement for visa and enrolment in Germany

Everyone who lives in Germany – no matter for how long – must be health insured. As an international student, it is also a requirement for both, obtaining a visa and enrolling at a German university.

To make the whole process as smooth as possible for you, Fintiba is cooperating with experts in this field to offer you full protection for your stay in Germany.


DAK Gesundheit is one of Germany’s largest and longest established statutory health insurances and has already received several awards for its outstanding service over its long history. On top, DAK-Gesundheit offers numerous extra services that go beyond the legal requirements.

  • Best health insurance
    for young people according to Germany’s largest customer-focused study
  • Appointment Service
    Telephone service for doctor recommendations and to book your appointment with a specialist doctor
  • Cost Coverage
    Various medical services and preventive check-ups are covered (e.g. professional tooth cleaning or HPV or COVID-19 vaccinations)
  • Multi-Language Service Hotline
    Personal customer service in 22 different languages
  • Doctor-Video-Chat
    Specialist medical advice is given via online video service
  • Live-Chat
    With DAK consultants to ask general questions about health insurance


MAWISTA GmbH is one of the market leaders in Germany with tailor-made private health insurances for those who need medical protection for their temporary stay in Germany

Travel Health Insurance


  • Free of charge within the Fintiba Plus package1
  • Unlimited insurance coverage (more than € 30,000.00 are covered)
  • Valid for the agreed period within 12 months from the applied start of insurance – multiple entry and exit is possible
  • Coverage complies with the requirements of the European Parliament and Council
  • Including travel liability insurance

Private Health Insurance

MAWISTA Student 

  • Valid for 60 months
    automated cancellation in case you switch to governmental health insurance
  • Insured region: Germany and the states of the EU (+ Switzerland, Liechtenstein, Norway and Iceland)
  • Free choice between the Classic and Comfort tariff
  • Including an insurance card in the Comfort tariff, so that the costs of treatment by the doctor are covered directly by the insurer

Which health insurance would I need for my stay in Germany?

The health insurance system in Germany is one of the most effective worldwide. The system is based on two types of health insurances – the statutory health insurance (also referred to as governmental health insurance or public health insurance) and private health insurance.

Since citizens from outside of the EU member states are not able to remain insured with their home country’s health insurance, they need to cover themselves with German health insurance.

Depending on your individual situation, you may be eligible for either private or statutory health insurance.

Find out more about health insurance

Not sure which health insurance you need? – Let us take care of everything.

Within the Fintiba Plus solution, we put together an individualised package based on your needs. This consists of a blocked account and all the health insurances you need for your stay in Germany.

Governmental health insurance

In Germany, everyone who enrols at a German university is legally obligated to obtain public health insurance. An incoming or travel health insurance cannot be accepted for the enrolment.

For (international) students under 30 years of age and who are enrolled at a state-recognised university, all statutory health insurance providers in Germany must offer an affordable tariff.

The statutory health insurance tariff for foreign students is the same for all health insurance companies. On top of that, there is an individual additional contribution to the respective health insurance company which is individually defined by the insurer.

Private health insurance

For international guests in Germany, private health insurance companies often offer special rates which are tailored to the needs and length of their stay. Therefore, private health insurance is especially suitable for language students, jobseekers or au-pairs, planning a temporary stay in Germany.

For students aged 30 years or older, private health insurance coverage is recommended and expected by universities. Even though you can still apply for voluntary membership at a public health insurance company, private insurances are substantially cheaper and easier to apply for.

With private health insurance, it is important to notice that all treatment costs must be paid in advance by the policyholder. Afterwards, the private health insurance company will reimburse the costs upon submission of an invoice (cost reimbursement principle).

In case you are eligible for public health insurance but plan to enrol at a German university with private health insurance, you will need an exemption from the obligatory statutory health insurance. Please note that after an exemption, you will not be able to switch back to statutory health insurance. Furthermore, please be aware that the exemption request must be made within the first three months of your enrolment. After that period has expired, it is not possible to change to private health insurance anymore.

Here’s how it works


Register with Fintiba and enter just a few personal details.

Visa & residence permit

We will issue an insurance confirmation which you can use for your visa, residence permit appointment or enrolment.


Activate your insurance conveniently via the Fintiba app, receive your health insurance card and enjoy a safe stay in Germany!

Frequently asked questions

With free Travel Health Insurance in the Fintiba Plus package, you can save up to € 95.00. Please note that your right for free travel health insurance will expire if you do not activate either the private or statutory health insurance included in the package.