Expat health insurance can be an affordable option for students in Germany but is generally recommended only for students over 30 years old. Students under 30 are advised to consider public health insurance, which offers broader coverage at a fixed discounted rate. Students over 30 cannot access student public insurance and might find expat health insurance suitable until completion of their studies. EU/EEA students can use their European Health Insurance Card (EHIC) for coverage. For extended studies beyond five years, extended expat health insurance options exist.

Expat health insurance is often one of the most affordable insurance options available for incoming students. However, its suitability depends on the student's age and coverage needs.

Students under 30 years old are generally recommended to choose public health insurance because it provides broader coverage and offers a discounted fixed monthly rate of approximately 145 EUR. Expat health insurance is available but usually excludes coverage for pre-existing conditions and preventive care, which public health insurance covers.

Students over 30 years old are not eligible for student public health insurance in Germany. For these students, expat health insurance is a suitable alternative until they finish their studies.

Yes, students from European Union (EU) or European Economic Area (EEA) countries can use their European Health Insurance Card (EHIC) to receive necessary health coverage during their studies in Germany.

Expat health insurance Newcomer plans have a legal limit of five years for coverage. If a student’s studies extend beyond this period, they can switch to one of our Extended plans, which are specifically designed for longer coverage.