Student
Health Insurance
Private Health Insurance for Students
Special student rates • Comprehensive coverage • From €110/month
Student Health Insurance
Comparison
Professional PKV comparison for students - Verified quality providers
Comprehensive student PKV tariffs from €110/month with premium benefits
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Student Insurance
Comparison
Private PKV vs Public GKV - Choose your student insurance level
Private Student Insurance (PKV)
Premium Treatment
Private patient status and faster appointments
Better Dental Coverage
80-100% coverage for dental treatment
Alternative Medicine
Coverage for homeopathy and naturopathy
Worldwide Coverage
Protected during study abroad and vacations
Public Student Insurance (GKV)
Basic Coverage
Standard treatment as regular patient
Limited Dental
Only 50-65% coverage for dental care
No Alternative Medicine
Limited coverage for alternative treatments
Limited Abroad Coverage
Only emergency coverage in EU
⚠️ Important Decision:
As a student, you can choose to opt out of public insurance and get private insurance. This decision lasts throughout your studies. After graduation, you can switch based on your employment situation. Consider your budget and health needs carefully.
Student Insurance
Benefits
Why informed students choose Private PKV over public GKV
Affordable Student Rates
Special tariffs starting from €110/month for students
Better Dental Care
Professional cleaning, orthodontics, and premium materials
Faster Appointments
Skip the waiting lists as a private patient
Study Abroad Coverage
Full coverage during exchange semesters worldwide
Alternative Medicine
Coverage for homeopathy, acupuncture, and osteopathy
Mental Health Support
Better coverage for psychological therapy and counseling
Flexible After Graduation
Good position for job market with private insurance
Premium Refunds
Get money back when you don't need treatment
Student Insurance
Cost Analysis
Private PKV vs Public GKV - Investment in your health future
Public Student Insurance
Private Student Insurance
Student Health Insurance
FAQ
Expert guidance for student health insurance decisions
Can international students get private health insurance?
Yes, international students can choose private insurance instead of public student insurance. You need to officially exempt yourself from public insurance at your university and with a public insurance provider within 3 months of starting studies.
What happens after I turn 30 or exceed the 14th semester?
After age 30 or the 14th semester, you can no longer use student insurance rates. With private insurance, you transition to adult tariffs. With public insurance, you pay voluntary contributions which are significantly higher.
Can I switch back to public insurance after graduation?
Yes, if you get a job with a salary below €69,300 per year, you can return to public insurance. If you earn more or become self-employed, you typically stay with private insurance. This flexibility is an advantage for students.
Does private student insurance cover studying abroad?
Yes, most private student insurance policies include worldwide coverage, making them ideal for exchange semesters or international internships. Coverage periods and regions may vary by provider, so check the terms.
What if I need to see a specialist?
With private insurance, you can see specialists directly without referrals and often get appointments much faster. This is particularly beneficial for students who need quick treatment to avoid missing classes or exams.
Are there waiting periods for treatment?
Generally no waiting periods for accidents. For illnesses, there may be 0-3 months depending on the condition. Dental treatments may have longer waiting periods (6-8 months) except for basic care and emergency treatment.
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Quote Today
Quality health insurance from €110/month - Perfect for international students
Student Rates
Affordable tariffs exclusively for students
Global Study Coverage
Coverage during exchange semesters worldwide
Private Patient
Priority appointments and premium treatment access