Health Insurance for Students in Germany
Find the right health insurance plan tailored for university students, Studienkolleg students, or language students. Insure your health and well-being while studying in Germany. With Fintiba Plus, you get everything you need for your visa in one simple package.
我們與卓越的合作夥伴通力合作，確保您的德國之旅毫不費力。
Health Insurance Options for Every Student
Health insurance is a legal requirement for anyone residing in Germany. This includes international students, expats, and self-employed individuals, with specific insurance types determined by age and student status.
Navigating health insurance in Germany can be challenging. Fintiba simplifies the process, ensuring you find the right coverage for your needs.
Studienkolleg and Language Students
Private health insurance is essential for these students.
University Students Under 30
Public health insurance is mandatory for this group.
University Students Over 30
Private health insurance is required for older students.
Health Insurance for Studienkolleg and Language Students
Studienkolleg and language course students in Germany must take private health insurance, as they are not eligible for public health insurance during these programmes. The Fintiba Plus Package provides a complete solution for these students. This ensures that students have the required insurance coverage for both their visa and their stay in Germany.
The Fintiba Plus package includes:
Mawista Student (Private health insurance) or Mawista Expatcare Comfort, depending on the student’s choice
BARMER (Public health insurance) - for the time after students complete their preparatory courses and start university studies
Mawista Visum (Travel health insurance) — provided free of charge
Blocked Account - the embassy required amount for the student visa is €992/month for 1 year (as of 2025). The amount may vary depending on individual cases.
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Health Insurance for Students Under 30 Years Old
Regular students under 30 years old who start their studies at a German university must take public health insurance. Fintiba offers public insurance in cooperation with BARMER.
For university enrollment, students are required to provide a public insurance confirmation. This confirmation is sent electronically (M-10 notification) directly from the insurance company to the university.
With the Fintiba Plus Package, students do not need to contact BARMER themselves. Once they provide the name of their university and upload their acceptance letter, all communication between BARMER and the university is handled automatically.
The Fintiba Plus Package for regular students under 30 includes:
Blocked Account (the embassy required amount for student visa is €992/month for 1 year, as of 2025)
Mawista Visum (Travel health insurance)
BARMER (Public health insurance activated at the start of the semester)
立即取得Fintiba Plus
Fintiba Plus is everything you need for your student visa in Germany — fast, simple, and reliable. One package covers your Blocked Account and health insurance, so you can focus on your studies.
Health Insurance for Students Over 30
Regular students over 30 years old must take private health insurance, as they are no longer eligible for public health insurance. Within the Fintiba Plus Package, they are automatically guided to choose private insurance. Students can select between Mawista Student and Mawista Expatcare Comfort, depending on their coverage needs.
If needed, they can request an M-10 confirmation from BARMER directly through the Fintiba app.
The Fintiba Plus Package for regular students over 30 includes:
Blocked Account - the embassy required amount for student visa is €992/month for 1 year (as of 2025)
Mawista Visum (Travel Health insurance)
Mawista Student (Private Health Insurance)
What’s Included in Fintiba Plus?
Fintiba Plus offers a Blocked Account with a German Bank as well as comprehensive health insurance solutions tailored for students. Enjoy peace of mind with essential coverage as you embark on your studies in Germany.
For Studienkolleg Students
Private health insurance is mandatory. Choose Mawista Student or Mawista Expatcare Comfort with Fintiba Plus.
For University Students Under 30
Public health insurance is required. Fintiba offers BARMER insurance with direct M-10 confirmation.
For University Students Over 30
Private health insurance is necessary. Select Mawista Student or Mawista Expatcare Comfort via Fintiba Plus.
What’s Included?
Blocked Account, Mawista Visum, and tailored health insurance options for your study needs.
Public or Private Health Insurance for International Students in Germany
Choosing between public and private health insurance is a key decision. Both options have advantages but differ in cost, coverage, and eligibility.
Which Type of Health Insurance Do I Need?
Choosing the right health insurance is crucial for your studies in Germany. Understand your options based on your age and student status.
公共保險
Suitable if you are under 30 and enrolled in a degree program at a university.
Private insurance: Required for language students, preparatory courses, or students over the public insurance age limit
私人保險
Required for language students, preparatory courses, or students over the public insurance age limit
立即取得Fintiba Plus
Fintiba Plus is everything you need for your student visa in Germany — fast, simple, and reliable. One package covers your Blocked Account and Health Insurance, so you can focus on your studies.
Can I Switch Between Public and Private Insurance?
Switching from Public to Private Insurance
Students can switch from public to private insurance within the first three months of enrolment. After this period, switching is no longer allowed during studies.
Switching from Private to Public Insurance
Switching from private to public insurance is generally not allowed during your studies—even if you start a part-time student job.
A return to public insurance is only possible in case of a major status change, such as starting full-time employment after graduation.
Switching Between Public Insurance Providers
Once you choose a public health insurance provider, you are required to stay with them for at least 12 months. After this binding period, you may change to another public insurer.
Public Health Insurance for International Students
For most international degree students, public health insurance is the standard choice. It provides reliable coverage at a fair, regulated price.
Who Is Eligible for Public Health Insurance?
Students under 30
Eligible for public health insurance if enrolled at a recognized German university.
Students within the first 14 semesters
Eligible for public health insurance if under the semester limit at a recognized German university.
How Much Does Public Health Insurance for Students Cost?
For 2025, the average premium is €125 per month, including long-term care insurance. This rate is set by law and is similar across all public insurers.
What Does Public Health Insurance for Students Cover?
Public insurance covers:
✅ Doctor visits
✅ Hospital treatment
✅ Mental health care
✅ Prescriptions
✅ Preventive check-ups
It ensures comprehensive protection for essential medical services.
Private Health Insurance for International Students
Private health insurance is often necessary for students who do not qualify for public insurance. It provides flexibility and plans tailored to individual needs.
When Do You Need Private Health Insurance in Germany?
International students usually need private health insurance coverage when they:
• Are over 30 years old;
• Are enrolled in language courses or preparatory programs;
• Voluntarily choose private insurance for extra services.
What Is the Cost of Private Health Insurance?
The price of private health insurance varies depending on the provider and selected plan:
• Basic student plans: start at around €28 per month
• Comprehensive plans: can exceed €100 per month
What Does Private Health Insurance Cover?
Private insurance may cover:
• Outpatient and inpatient medical treatment
• Emergency medical services
• Dental care (optional in some plans)
• Alternative treatments (if included)
Health Insurance Requirement for Student Visa Application
All international students applying for a German visa must have valid health insurance. Proof of insurance is a mandatory part of the visa application.
Why Is Health Insurance Mandatory for a German Student Visa?
It ensures that international students are treated on the same basis as residents when it comes to healthcare access. Having valid health insurance is part of the legal conditions set by German immigration law for granting a student visa. Without this proof, the visa application will not be approved.
What Insurance Confirmation Do I Need for My Visa?
The confirmation states that you have sufficient health coverage for your stay in Germany. Without this proof, the German consulate or embassy will not approve your visa application, as valid health insurance is a mandatory condition under German immigration law. Along with insurance documents, embassies require blocked account confirmation as proof of financial resources.
Fintiba Plus includes both essential types of insurance for international students. With one package, students receive travel health insurance for the visa application process and their journey to Germany. At the same time, they get a confirmation of application for either public or private health insurance – depending on their age and student status – which ensures they are covered from the moment they arrive in Germany.
立即取得Fintiba Plus
Fintiba Plus is everything you need for your student visa in Germany — fast, simple, and reliable. One package covers your Blocked Account and health insurance, so you can focus on your studies.
Health Insurance for University Enrollment
Health insurance proof is required by German universities to confirm that students have adequate healthcare coverage. Without this proof, enrollment is not possible.
What Insurance Proof Do German Universities Accept?
How Fintiba Supports the M10 Process
Fintiba provides solutions for both types of students:
- Public health insurance: If you're insured through BARMER via Fintiba, the M10 is sent automatically to your university after you upload your univerity admission letter.
- Private health insurance: You can initiate the M10 notification directly from the Fintiba app or contact BARMER under welcome-students@barmer.de.
More information is available in our Help Centre article.
Can I Change Insurance After Enrolment?
How to Apply for Student Health Insurance in Germany
Before starting studies, students must arrange health insurance that meets German standards. The steps differ slightly depending on the type of insurance chosen.
Steps to Apply for Public Health Insurance
- Choosing a statutory provider (e.g. BARMER)
- Applying online or at a local office
- Submitting your admission letter, personal data and your German address
- Receiving a confirmation from your health insurance company
Public health insurance usually activates with the semester start date.
Steps to Apply for Private Health Insurance
- Select an approved private insurer offering student plans (e.g. MAWISTA)
- Complete the application form and submit required information
- Enter your payment details
- Obtain confirmation of coverage for enrollment and visa application
Private insurance activation date is defined by the customer. For visa purposes the start date should be the day when you enter Germany unless you also have a travel health insurance. Everyone who resides in Germany should be insured.
Frequently Asked Questions about Student Health Insurance in Germany
Many international students have questions about health insurance requirements and options in Germany. This section answers the most common queries to help you understand your obligations and make informed decisions before starting your studies.
Why do I need health insurance in Germany?
Health insurance in Germany is mandatory by law for all residents, no matter the duration of their stay. But aside from the legal obligation, having health insurance ensures you have access to healthcare services, and you are protected against financial risks. With health insurance, you're covered for any health emergencies or injuries, and do not have to pay for medical bills out of pocket, which can be very expensive in Germany.
What is the M10 digital notification? Does Finitba send the M10 notification about my health insurance status?
M10 is the notification about the status of your health insurance. In Germany, health insurance providers and universities are obliged by law to notify one another of students' health insurance status. Regardless of which kind of health insurance you have, you must contact one of the public health insurance providers to initiate your M10 digital notification prior to enrolment. Every student who obtained health insurance within Fintiba Plus can now complete this process directly from the Fintiba App.
Is student health insurance mandatory in Germany?
Yes, health insurance is mandatory for all students in Germany. Without valid health insurance, students cannot enroll at a university or apply for a visa or get the residence permit.
Can I apply for health insurance from abroad?
Yes, both public and private health insurance applications can usually be completed online from abroad, depending on the provider you choose. This allows students to have proof of coverage before arriving in Germany.
How long does it take to get health insurance confirmation?
The confirmation letter is typically issued within a few days of submitting your complete application. Many providers send it electronically for faster processing.
Can I change from private to public insurance during my studies?
Changing from private to public insurance during your studies is usually not allowed. An exception applies if your status changes, for example, if you start a job that requires public insurance.
Can I use health insurance from my home country?
In most cases, no. Health insurance from your home country is not accepted unless it meets German legal standards and you obtain an official exemption from public insurance. EU students with a valid EHIC card may use it temporarily.
Does student health insurance cover dental treatment?
Yes, public health insurance generally includes basic dental care, such as check-ups and fillings. Private insurance coverage for dental treatment varies depending on the plan; some offer extended dental services.