100 Jahre Studentenwerk München


Read out and MP3 download   Read out

The Student Union does not assume any responsibility for foreign contents such as direct or indirect links to other providers.* 


In the field of insurances, there are two important themes: Health Insurance and civil liabilty insurance.

Health insurance in Germany

In Germany, everyone is required to have health insurance. In order to apply to a German university, you need to prove that you are insured. Requirements, tariffs and compensations can however vary.

This being the case, you must choose a health insurance plan. Please inform yourselves ahead of time!

As there are some things to consider when finding a health insurance, here is a short overview:

In Germany there are two types of health insurance: public and private insurance. Below the age of 30 and before completing 14 semesters of study, public insurance is obligatory.

More information on German health insurance and a (German) list of all public health insurances can be found here:


Proof of insurance must be attached to your university application.

Private insurance can only be granted in exceptional cases! Please note: If you have private insurance, you can no longer switch to public insurance during your studies!

Here you can find a booklet with a overview about the German Health (Insurance) system - in German and English!

European Health Insurance Card and other countries with social security agreements

Do you already have public health insurance in your home country? Does your home country have a social security agreement with Germany (e.g. European Health Insurance Card "EHIC")?

If so, you can have your insurance verified with public health insurance in Germany. Please inform yourself in your home country on which documents you will require.

Furthermore, it may be that your insurance does not cover all costs, due to varying prices of treatment and services. Please find out exactly which services are fully covered. An additional insurance may be necessary.

Please note: Since the end of 2017, there are some new regulations:
There are now cases, in which you, being a EU or EEA student, have to be insured by a German Health Insurance:

  • beginning of a student (sideline) job,
  • beginning a paid internship,
  • transfer of domicile to Germany.

Please get more detailed information at the Health Insurance Company in your country, especially which services of the health insurance are covered, and which NOT.
Perhaps your private home country health insurance may even be recognized as a replacement insurance in Germany.

Health insurance (for international students) with special conditions

Some students cannot take out public insurance if they fall into certain categories. For these groups, the Student Unions in Germany, the Union Versicherungsdienst and the Advigon Versicherung AG have worked out an offer that covers the following conditions:

You are a foreign citizen, temporarily residing in Germany and belong to the following groups:

  • Enrolled students over 30 years or from the 14th semester

  • Doctoral students

  • Participants of university preparative language courses
  • Owners of a note of authorization allowing enrollment in a university or preparative language course in Germany. (If you own this document, you will receive insurance protection for four weeks upon arrival. Enrollment must take place within this time.)

  • Graduates who have successfully completed their studies in Germany and are currently looking for work. please note the specific conditions like: The insurance only covers [up to 12 months] following graduation, even though graduates are legally allowed to search for work in Germany for 18 months!

  • Stay-at-home spouses or children below the age of 18 belonging to insurance carriers.

If you'd say, one of these points is the case, we recommend you to get well informed before choosing one offer of the possible ones.
Our National Student Union (DSW) for example, delivers some more information on the following website:
www.internationale-studierende.de/en/during_your_studies/health_insurance/what_if_im_over_30/ .*

Health insurance: Dictionary and links

Here you can find a little dictionary about many aspects of health insurance, sickness and doctor's visits in English (and German):


On the website of our parent organization, the German Student Union, you can find more informational pages on health insurance:



The following websites are commercial or private websites. For counseling there are no fees.
Please note our declaration concerning this matter at the bottom of the page.

http://www.germanyhis.com/ (German and English)

http://www.hiffs.de (German and English)

www.versicherungsmakler-muenchen.info (German and English)

www.transparent-beraten.de/versicherungen-in-deutschland/insurances-in-germany/ (German, English, Spanish and Italian).




Comparison portals can help you with which insurance to choose (both links in German):





Civil liability insurance / Private liability insurance

A civil or private liability insurance is an optional insurance. You are not required to have it, but it is recommended. Civil liability insurance covers the cost of all damages caused by accident. As it is available at down to €45 a year, this insurance can be save you a lot of money.

Case example: You accidentally trip and knock down a vase, causing it to break. If you have civil liability insurance, the insurance covers the cost for repairing or replacing the vase. If you are not, you will have to pay for it yourself.

This may be bearable when it’s just a vase, but if you accidentally break a fellow student’s €2000 bike beyond repair, for example, you will likely be glad to have civil liability insurance.

Here are other pages with useful facts about this insurance:

www.studentenwerke.de/en/content/private-liability-insurance *

Website der TUM (point "Liability insurance"): www.international.tum.de/en/exchangestudents/accommodation/#c5702

Website der Uni Mannheim: www.uni-mannheim.de/en/research/services/welcome-center/relocation/upon-arrival/#c52640

www.finanztip.de/haftpflichtversicherung/privathaftpflicht/ (in German) *.

* The Studentenwerk assumes no liability for the quality and the completeness of these recommendations. The accompanying links lead to information free of charge which the Studentenwerk thinks useful for the subject. The Studentenwerk would like to point out, however, that the operating agencies of the corresponding pages are commercial or private organisations. The Studentenwerk cannot enunciate a recommendation regarding services liable for costs which may be offered by a operating agency in addition to mere information. - Over and above this the disclaimer in the Impressum applies to all pages linked to within.