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For Applicants Health Insurance

Health Insurance

Health Insurance

Students in Germany are required to have a health insurance. Without proof of coverage, you will not get permission to stay and study in Germany.

During your orientation sessions at SRH Campus Hamm, a representative from a German public health insurances will offer to check your current insurance situation and give advice. Please check to see which of the following situations apply to you:

• You are a Non-EU-citizen: In order to enrol at the university of Applied Sciences you need a health insurance from one of the insurance companies in Germany (e.g. AOK, BEK, BKK, DAK, IKK, KKH, TK). Doctors will charge the insurer directly for any medical treatment you receive. Cost of coverage: Insurance rates for students are currently about 92 Euro per month.

Here is the landing page regarding your German health insurance. The landing page is an offer, but do not feel obliged to use it if you have better options.

• You are an EU-citizen or a citizen of Iceland, Lichtenstein, Norway, Switzerland or Macedonia, and you are insured in your home country: In this case, your medical insurance likely covers your stay in Germany. Germany has signed social insurance agreements with these countries to ensure cross-border coverage. With your European Health Insurance Card (EHIC), you are also insured in Germany. Please check with your insurance provider to be sure.

• You are a EU-citizen and you are insured in your home country, but your stay in Germany is not covered by your insurance: In this case, you have to take out an additional health insurance from one of the insurance companies in Germany (e.g. AOK, BEK, BKK, DAK, IKK, KKH, TK). Doctors will charge the insurer directly for any medical treatment you receive. Cost of coverage: Insurance rates for students are currently about 92 Euro per month. While public insurance policies all cost roughly the same, the level of service and payment options can differ so it is worthwhile to shop around and compare.