Private Health Insurancefor Students from €69

Private health insurance is especially beneficial for students over 25 (end of family insurance), for extended study periods, PhD students, those with chronic conditions requiring specialists, and if you value fast appointments and premium services. With student rates from €69, private insurance is often cheaper than public insurance.

After graduation, you have several options: When employed, you can switch to public insurance (with salary under €69,300/year), continue private insurance with employer contribution, or remain privately insured as self-employed. Many insurers offer special transition rates for career starters.

Yes, BAföG recipients can also get private insurance. The BAföG health insurance subsidy is currently €94 for students under 30 and €189 from age 30. This often covers a large portion of private insurance costs.

Immediate specialist appointments without referral, free choice of doctors worldwide, chief physician treatment and private rooms in hospitals, 100% reimbursement for dental treatments, coverage of vision aids and alternative medicine, plus often lower premiums than public insurance.

The switch is simple: 1. Compare plans and choose your private insurance. 2. Submit application (health examination). 3. After approval, cancel public insurance with 2-month notice. 4. Submit private insurance certificate to your university. The entire process takes about 4-6 weeks.

Yes, most private student plans offer worldwide insurance coverage. This applies to study abroad, internships, and private travel. Duration varies by plan (usually 6-12 months at a time). Public insurance only provides limited coverage in the EU.

Private insurance requires a health examination. Pre-existing conditions must be disclosed and may result in risk surcharges or benefit exclusions. However, many insurers are lenient with young students. Comparing multiple providers is worthwhile.

Unlike public insurance, private insurance has no free family coverage. Spouses and children need their own contracts. However, there are often family discounts and special children's plans. For childless students, this is initially no disadvantage.