Traveling or relocating to Germany? Understanding the German healthcare system is vital, as every individual in Germany, even short-term visitors, must have health insurance to comply with regulations. Failure to have insurance may result in visa application rejections. Explore the various types of health insurance available:
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Travel Health Insurance for Foreign Visitors/Tourists – Schengen Visa:
- Essential for individuals requiring a Schengen Visa for short stays in Germany.
- Covers medical emergencies and accidents during the visit.
- Ensures compliance with visa application requirements.
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Health Insurance for International Students:
- Mandatory for international students enrolling in German universities.
- Covers medical expenses and provides clearance from the university.
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Health Insurance for Language Course Students:
- Required for students attending preparatory language courses in Germany.
- Offers coverage for the duration of language courses.
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Health Insurance for Freelancers, Employees, and Expatriates:
- Essential for individuals relocating to Germany for work.
- Provides comprehensive coverage for up to five years.
- Ensures financial protection and peace of mind during the stay.
Ensure you have the right health insurance coverage before traveling to Germany to pursue your dreams. From short-term tourists to long-term expatriates, having adequate health insurance is crucial for a smooth and hassle-free stay in Germany.
Travel Health insurance for foreign visitors/tourists in Germany
Planning a trip to Germany or Europe? Whether it’s sightseeing, visiting relatives, attending a business conference, or backpacking through Europe, your first step is to check if you need a Schengen Visa. This visa allows for a “short stay” of up to 90 days in 26 European countries.
To obtain a Schengen Visa, one of the requirements is to have proper health insurance in Germany. Medical insurance is compulsory for all foreigners visiting the country, with a minimum coverage of €30,000 for medical treatment.
The travel insurance for Germany covers medical emergencies or accidents and is easy and affordable to obtain. MAWISTA Visum is a suitable choice for tourists and business travelers seeking travel insurance for visa purposes. Plus, it offers free cancellation if your visa is refused. Ensure you have the necessary health insurance for a hassle-free trip to Germany.
Travel Health insurance for international students in Germany
As an international student in Germany, obtaining health insurance is a crucial step in fulfilling your dream of studying abroad. Student health insurance not only provides you with permission and clearance from your chosen university to start your studies but also covers all your medical expenses.
With the right health insurance, you can focus on your studies without worrying about unexpected medical bills during flu season or other health-related concerns. There are two main types of health insurance plans available for international students in Germany:
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Compulsory/Public Health Insurance:
- Most foreign students in Germany are required to hold statutory health insurance, also known as public health insurance.
- Exceptions to this requirement include guest scientists, post-graduate students, scholarship holders without an employment contract, college students, participants in language courses, students aged 30 or above, and those who have been studying in Germany for more than 14 semesters.
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Private Health Insurance:
- Students who fall into the exceptions mentioned above or prefer private health insurance can opt for this type of coverage.
- While public health insurance is more common, private health insurance offers additional flexibility and coverage options.
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If you choose to obtain health insurance from a company in Germany, it’s essential to carefully review the terms and conditions outlined in their contracts. Protect yourself from potential pitfalls by understanding the coverage details and potential costs involved.
Companies like Mawista have a long-standing reputation in the industry and offer tailored student packages such as the Tariff Mawista Student Classic, which are popular among international students in Germany. These companies provide affordable options and meet the specific needs of students studying abroad.
Please note that proof of health insurance, whether public or private, is required for enrollment at a German university. Ensure you have the necessary coverage to comply with university requirements and enjoy a seamless academic experience in Germany.
Travel Health insurance for language course/preparatory course students
If you’re planning to study or work in Germany and have enrolled in a preparatory language course, having health insurance is a prerequisite for attending the course. In this scenario, statutory or public health insurance is not permitted, and you’ll need to obtain private health insurance in Germany.
Private health insurance for language course or preparatory course students ensures that you are covered for the entire duration of your studies and alleviates concerns about unexpected health issues. This type of insurance offers comprehensive coverage at an affordable price, with basic monthly plans starting at only 33 euros.
With private health insurance, you can focus on your language studies without worrying about your health coverage. This insurance provides peace of mind and ensures that you have access to medical care during your time in Germany.
Travel Health insurance for Freelancers, Employees, and Expatriates in Germany
Germany is not only a desirable destination for visiting or studying, but it also boasts world-class working conditions and offers exceptional benefits to its workforce. If you’ve secured a job and are relocating to Germany, obtaining working health insurance is imperative. Even if you haven’t found employment yet, you can obtain the Blue Card, akin to the U.S. Green Card, allowing you to reside in Germany while seeking employment.
It’s advisable to acquire working health insurance, providing coverage for up to five years and comprehensive protection against emergencies and accidents. This type of health insurance is particularly recommended for expatriates.
For expatriates, it’s crucial to purchase working health insurance before making any other commitments in Germany. Moreover, this insurance is suitable for German citizens traveling abroad, ensuring coverage in any location they visit.
What does a Travel health insurance cover?
Depending on your requirements and circumstances, you will receive various levels of coverage with corresponding fees. Most of the health insurance options outlined in this article offer the following benefits:
- Hospital treatment and emergency services
- Medical treatment, including outpatient or dental treatment
- Provision of walking aids or wheelchairs
- Transportation to the nearest hospital
- Coverage for burial or transfer expenses
- Protection against theft or loss of personal belongings and property
- Coverage of expenses in case of rescue operations after accidents.