Health Insurance in Germany
Your Complete Guide to German Health Coverage
In Germany, health insurance is not just a recommendation—it is a legal requirement for everyone. For Pakistani students, providing proof of valid health insurance is a mandatory condition for both university enrollment and securing a German student visa.
Health Insurance in Germany
Your Complete Guide to German Health Coverage
In Germany, health insurance is not just a recommendation—it is a legal requirement for everyone. For Pakistani students, providing proof of valid health insurance is a mandatory condition for both university enrollment and securing a German student visa.
Health Insurance Essentials
Legal Requirement
Health insurance is mandatory for visa and university enrollment.
Two-Stage Process
Travel insurance first, then long-term German insurance.
Affordable Options
Public (~€148/month) or Private (€33-€129+/month).
Comprehensive Coverage
Covers doctor visits, hospital, medications, and preventive care.
The Two-Step Insurance Requirement
As an international applicant, you will typically need two types of coverage at different stages of your journey:
Step 1: Travel Health Insurance
When: Required for your visa interview at the German Embassy/Consulate in Pakistan.
Coverage Amount: Must cover at least €30,000.
Geographic Coverage: Valid in all Schengen countries.
Inclusions: Emergency treatment and medical repatriation.
Step 2: Long-Term Health Insurance
When: Once you arrive in Germany and before university enrollment.
Duration: Covers your entire stay as a student in Germany.
Requirement: Must be in place before you can officially enroll at your university.
Options: Choose between public (statutory) or private insurance.
Public vs. Private Health Insurance
Most Pakistani students must choose between these two systems based on their age and student status:
| Feature | Public (Statutory) | Private |
|---|---|---|
| Best For | Degree students under age 30. | Language students, Studienkolleg, and students over 30. |
| 2026 Monthly Cost | Approx. €148. | Starts from €33 (basic) to €129+. |
| Billing | Direct billing (no upfront payment). | Pay first, then get reimbursed. |
| Family | Free coverage for non-working spouse/kids. | Separate premium for each person. |
Public (Statutory) Insurance
Who Should Choose Public Insurance?
Degree students under age 30 who want the most affordable and straightforward option.
Key Advantages
- Lowest cost (~€148/month)
- No upfront payment required
- Family members can be covered for free or reduced rates
- Comprehensive coverage
Enrollment Process
Your university will help you enroll in public insurance during your first semester. The premium is deducted from your student account.
Private Insurance
Who Should Choose Private Insurance?
Language students, Studienkolleg participants, and degree students over age 30.
Key Advantages
- Flexible plans starting from €33/month
- Available for all student types
- Can be obtained before arriving in Germany
- Various coverage levels to choose from
Important Note
With private insurance, you typically pay the premium upfront and submit claims for reimbursement. Each family member requires a separate premium.
Critical Requirements
Visa Interview
You must have travel health insurance (€30,000+ coverage) for your visa interview at the German Embassy/Consulate.
University Enrollment
You must have long-term German health insurance before you can officially enroll at your university.
No Exceptions
Health insurance is non-negotiable. Without it, you cannot obtain a visa or enroll at a university.