Student Health Insurance Built for Your Study Abroad Journey
Germany
Public or Private? We'll Get You the Right One, First Time.
Insurance for your university enrollment and residence permit, whether you're joining TK or AOK or need private student cover.
Public and private options
Accepted for enrollment and residence permits
English-language registration help
What you need to know
You cannot enroll at a German university or get your residence permit without proof of health insurance. Which type you need depends mainly on your age and your program:
Under 30 and enrolled at a state-recognized university: Public (statutory) insurance is generally mandatory.
30 or older, a language-course student, or in a Studienkolleg / preparatory program: You're generally not eligible for the public student rate, so private insurance is the standard route.
Arriving before your semester starts? Many students need private "incoming" cover for the first weeks, then switch to public insurance at enrollment.
Exemption is permanent: Under-30 students can apply to be exempted from public insurance within three months of enrollment, but that decision generally applies for your entire degree. Talk to us before you choose.
Public or private?
Two questions. The right card lights up.
How old will you be when your semester starts?
What will you be studying?
01
Get your quote
Fill in the short form at the top of this page.
02
Explore your dashboard
Compare every Germany plan you qualify for, with your exact price.
03
Buy and download
Check out securely and get your certificate.
Germany plans
Plans for students in Germany
Public Student Insurance (TK / AOK)
Best for: Degree seekers under 30 at state-recognized universities
Full statutory coverage: doctors, hospitals, prescriptions (small legal co-payments), and preventive care
Electronic confirmation sent directly to your university so you can complete enrollment
Free English-language registration support from the Campus Stride team, so you don't face German forms alone
Fixed student rate · Set by law, not by age
Your exact age-based price appears in your dashboard.
Private Student Cover
Best for: Students over 30, language-course students, preparatory programs, and pre-enrollment arrivals
Get a quote · Age-based pricing
Your exact age-based price appears in your dashboard.
Germany FAQs
Before you hit submit.
Your eligibility for the public student rate is generally tied to age 30 and the length of your studies. When the student rate ends, you typically move to a different public tariff at a higher monthly cost, but you don't lose coverage. Our team can walk you through what that change will look like for your timeline before it happens.
Yes, and it's a common route. Many students buy private cover for their visa application and first weeks in Germany, then register with a public insurer when they enroll. Just don't formally apply for an exemption from public insurance unless you intend to stay private for your whole degree.
For your residence permit, the immigration office needs proof of adequate health cover. Public insurance is accepted automatically. Requirements can vary slightly between cities, so bring your full certificate, not just a summary, to your appointment.
Public insurance is provided by the respective statutory insurer (e.g., Techniker Krankenkasse, AOK).
Your university says "mandatory health insurance." Let's handle it.
