Expat health insurance is often one of the most affordable options for incoming students in Germany, but the best choice depends on age. Students under 30 are generally better served by Public health insurance (GKV), which offers broader coverage at a discounted student rate of about €145 per month. Students over 30 cannot use the student rate and often choose Expat health insurance until they finish their studies. EU/EEA students can rely on their EHIC, and students whose studies run beyond 5 years can switch to Long-term expat health insurance.

Expat health insurance is often one of the most affordable options for incoming students in Germany, but whether it is the best choice depends on the student's age and coverage needs. We generally recommend Expat health insurance for students over 30, while students under 30 are usually better served by Public health insurance (GKV).

Students under 30 are generally advised to choose Public health insurance (GKV), because it provides broader coverage and a discounted fixed student rate of approximately €145 per month. Expat health insurance is available to students under 30, but it usually excludes pre-existing conditions and preventive care, which Public health insurance covers.

Students over 30 are not eligible for Public health insurance (GKV) at the discounted student rate in Germany. For these students, Expat health insurance is a suitable option until they finish their studies.

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

Expat health insurance has a legal coverage limit of 5 years. If your studies extend beyond that period, you can switch to Long-term expat health insurance, which is a separate product designed for coverage beyond 5 years.