EU-students:

EU-students are usually covered by the European Health Insurance. If this applies to you, please contact a public health insurance provider and submit a copy of your European Health Insurance Card (EHIC). If it fulfils all requirements, the insurance provider will send a digital health insurance confirmation to our university.

Private health insurance:

Students older than 30 years are usually not eligible for public health insurance and must get private health insurance.  Please get in contact with a private insurance provider of your choice. Please keep in mind that the insurance has to cover costs for all possible treatment (dentist, hospital, rehabilitation treatment, ...), medicine, drugs, bandages, other medical aid, pregnancy and birth. It is also required that your insurance policy does not show any limitation on the occurring costs.

After having received the contract, you still have to contact a public insurance provider and submit it for evaluation. If it fulfils all requirements, the public insurance provider will send a digital health insurance confirmation to our university. For further assistance, please refer to welcome@th-deg.de.

Liability Insurance
 

The most important and yet cheapest insurance you need in Germany is the liability insurance.

A liability insurance is taken out in case you as the insured cause damage to third parties or damage the property of third parties. Since the law states that the perpetrator is liable for damages to others, the liability insurance first checks whether the damage was clearly caused by you.

We recommend our international students to take out liability insurance during their studies in Germany. Not only for the costs of minor accidents (e.g. damage to cell phones or lost room keys), but also for serious accidents (e.g. an accident with a bicycle into someone else's car) can be covered by liability insurance. General terms and conditions vary depending on the insurance provider. The monthly fee starts at €3, the amount covered is up to €50 million.

However, you should be aware that German private liability insurances with a term of three or five years cannot be cancelled before the end of the term.