PUBLIC & PRIVATE HEALTH INSURANCE
Your Health Insurance for visa and enrolment at a German university
Get premium health insurance coverage for your stay in Germany
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
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
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
MAWISTA Visum
- 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 StudentÂ
- Valid for 60 months
automated cancellation in case you switch to governmental health insurance - Insured region:Â 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.
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
Registration
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.
Activation
Activate your insurance conveniently via the Fintiba app, receive your health insurance card and enjoy a safe stay in Germany!
Frequently asked questions
The travel insurance “MAWISTA Visum” can be issued for a duration of up to 183 days. The health insurance is provided via our service partner MAWISTA and the coverage complies with the requirements of the council regulation (EC) no. 810/2009 of the European Parliament and Council as of 13.07.2009 and is unlimited. The health insurance protects you from the high costs of illness or accident during your stay.
Below, you can find the most important benefits of travel health insurance:
✔ Outpatient treatment
✔ Inpatient treatment
✔ Medicines and dressings
✔ Pain-killing dental treatment and repairs of dentures and provisional measures up to € 250.00
✔ Transport costs to the nearest suitable hospital
✔ Funeral or repatriation costs (max. € 25,000.00)
✔ Repatriation to home country *
✔ Treatment of existing diseases until the insured person can be transported again after the insurance protection has expired, limited to 45 days
✔ Travel liability insurance
Below, you can find the most important benefits of the private health insurance “MAWISTA Student“:
✔ Outpatient treatment
✔ Inpatient treatment
✔ Medicines and dressings
✔ Aids-related to the accident (not including sight aids and max. € 250.00)
✔ Medical treatment (e.g. massage), up to 8 per insurance year
✔ Analgesic dental treatments, denture repairs and temporary solutions (max. € 500.00)
✔ Transport costs to the nearest suitable hospital
✔ Pregnancy, childbirth and their implications
✔ Funeral or repatriation costs (max. € 25,000.00)
✔ Repatriation to home country
The governmental health insurance “DAK-Gesundheit” covers the costs for your treatment with a doctor, dentist or in a hospital. Moreover, it bears the costs for medicines which your doctor prescribes to you.
For more information on the insurance coverage, you can download the info flyer of DAK Gesundheit.
In the following you can find the differences between DAK and other statutory health insurers.
DAK covers many additional services not covered by other health insurance companies, such as:
- Subsidy for professional dental cleaning at the dentist of your choice
- Regular Check-up for insured persons under 35
- HPV vaccination (also for male insured persons)
- Cancer prevention: breast ultrasound
- Dialysis abroad
- Acupuncture above legal standard
- Balneology, Electrotherapy, Hydrotherapy, Neural therapy and Phototherapy
1 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.