Health Insurance in Germany: Information for Indian Students

Under German legislation health insurance is mandatory for everybody. Therefore, you have already to possess one when applying for a visa. You can either effect a policy with a German insurance company when still in India, or you can take out a travel insurance which will be valid and sufficient for 90 days and conclude a permanent insurance in Germany. Serviceplus will gladly provide you with an overview, advise you individually and prepare necessary the applications. 

For a basic understanding it is important to know that there are two general types of health insurance:

  1. statutory health insurance (GKV)
  2. private health insurance

90 % of the people almost all and registered students are statutorily insured in the GKV. Within the GKV-system you can choose between many different insurance companies with slightly different contributions and benefits. All of them cover the basic medical needs, such as

  • outpatient care by a panel physician
  • inpatient care during a hospital stay
  • basic dental care

We will be happy to help you to choose the one that suits your needs best.