StudyInFocus
Visa and relocation

Health insurance for studying in Germany

Each stage needs its own insurance: for the visa — a private one, on a language course — a private student insurance, in a Studienkolleg — usually the same, at a university under 30 — the statutory one. Below: the timeline, choosing in three questions and the insurers.

Choose the insurance Arrange it through us — free

Which insurance at which stage

  1. 1Visa
    Health insurance for the visa →

    for the visa period — until student or other insurance in Germany starts

    Dr. Walter
  2. 2Language course · Studienkolleg
    Private health insurance for students →

    language courses, Studienkolleg, students from 30

    Dr. Walter
  3. 3University
    Statutory health insurance for students →

    university students under 30; needed for enrolment

    BarmerTK
  4. 4Work
    Insurance after university and at work →

    job search after graduation, the first job

    BarmerTK

In a Studienkolleg and for students aged 30 and older there can be two options — the selection below shows both.

Through StudyInFocus

Statutory insurance without queues and letters to the fund

What we do:

  1. 01
    We arrange the student insurance with the fund — before you arrive
  2. 02
    We send the proof of insurance to the university — for the enrolment
  3. 03
    We receive the insurance card at our address in Germany
  4. 04
    We hand the card over to you on arrival
Insurance only€79free

We choose and arrange the insurance for your stage — the steps are above.

Arranging the student insurance through us? Then the insurance for the visa is free too.

Leave a request →
Insurance + blocked account + visa€197

Everything for the visa at once: the insurance, the blocked account with a suitable provider, help with the visa documents and the application form — and support until the registration in Germany and the visa extension.

Leave a request →
Only a blocked account — €97 →

Arranging insurance through us is free: the insurers pay us as their agent, the statutory funds through a licensed broker. Your tariff stays the same, and this does not affect the selection.

Insurers

Dr. Walter private insurer
from €34.50 / mo.
Terms →
Barmer statutory fund
from €146 / mo.
Terms →
TK statutory fund
from €141.16 / mo.
Terms →
Feather platform
from €4.94 / mo.
Terms →

Other insurances

Not needed for the visa or the university, but useful in everyday life in Germany.

Personal liability insurance (Privathaftpflicht) Covers damage you accidentally cause to other people or their property — say, you break someone's laptop or flood the neighbours. Not … from €4.94 / mo. More → Supplementary dental insurance An add-on to statutory insurance: it pays for what the fund covers only in part or not at all — professional cleanings, … More →

Frequently asked questions

Can I have one insurance for the whole time?
Usually not: for the visa — a private incoming insurance until enrolment; on a language course — a private one, in a Studienkolleg — usually too; at a university under 30 — the statutory student insurance. The switch comes with the enrolment.
Will a travel insurance do for the visa?
For the visa an incoming or travel insurance for the first months, until the statutory one starts, is usually accepted, with cover of at least €30,000. The policy must not exclude long stays; the exact requirements are set by your consulate.
What if I am 30 or older?
The student tariff runs until the end of the semester in which you turn 30, beyond that only in exceptions. We compare private and voluntary statutory insurance — each has its own consequences for later.
How much is the statutory insurance?
The student contribution is set by law; in 2026 it is from €141.16 a month including long-term care insurance. The funds differ in their additional contribution.
Why is it free through you?
The insurers pay us as their agent, the statutory funds through a licensed broker. Your tariff stays the same.
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