🎓 Private Health Insurance for Students
Special student rates • Comprehensive coverage • From €110/month
⚡ VIP PKV comparison for students • Premium certified Elite-Anbieter
🌟 Exclusive student PKV tariffs from €110/month with premium benefits
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🌟 Elite PKV vs Standard GKV • Choose your student insurance tier
Private patient status and faster appointments
80-100% coverage for dental treatment
Coverage for homeopathy and naturopathy
Protected during study abroad and vacations
Standard treatment as regular patient
Only 50-65% coverage for dental care
Limited coverage for alternative treatments
Only emergency coverage in EU
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.
🌟 Why elite students choose Premium PKV over standard GKV
Special tariffs starting from €110/month for students
Professional cleaning, orthodontics, and premium materials
Skip the waiting lists as a private patient
Full coverage during exchange semesters worldwide
Coverage for homeopathy, acupuncture, and osteopathy
Better coverage for psychological therapy and counseling
Good position for job market with private insurance
Get money back when you don't need treatment
🌟 Premium PKV vs Standard GKV • Investment in your health future
🌟 Expert guidance for elite student health insurance decisions
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.
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.
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.
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.
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.
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.
🌟 Quality health insurance from €110/month • Perfect for international students
VIP affordable tariffs exclusively for students
Premium coverage during exchange semesters worldwide
Elite appointments and premium treatment access