Everyone residing in Germany needs to be insured one way or the other, so health insurance is one of the requirements when enrolling in a German university.

From 01.01.2022, according to § 199a SGB V, data transfer between universities and health insurance companies must take place exclusively electronically in both directions. This electronic procedure replaces the previous paper procedure. Within the student notification procedure (SMV), data subject to notification is exchanged between universities and health insurance funds. Health insurance funds report, for example, insurance status, changes of the health insurance fund, and information on outstanding contributions. The universities send information on the start and end of studies of the insured students.

Relevant contents of the SMV

Reporting obligations of health insurance companies:

M10: Insurance status (mandatory or exempt)

M11: Start of insurance after a change of health insurance fund

M12: Delay in payment of contributions

M13: Settlement of contributions in arrears

Registration obligations of the universities:

M20: Start of studies with semester start and day of enrolment

M30: End of studies with the end of semester and day of de-registration/termination

We are going to focus on the M10 Meldung. As mentioned, in order to issue you the enrolment certificate, your university is going to ask for the status report of your health insurance, and it can only come from a public provider. Meaning:

If you apply for public insurance through us, your insurance provider will confirm to the university that you are mandatory insured. This happens automatically right after you submit the application.

If you apply for a private insurance such as Expat, you have to reach out to a public provider, so they inform your university that you are exempted from public insurance. We are not a public provider, so please reach out to TK here, in order to get exempted. Once you fill and send the form, TK should send an M10 to your university within a week.

If you wish to stay on your home insurance (only for those from EU/EEA, Switzerland, UK, Bosnia and Herzegovina, Montenegro, Northern Macedonia, Serbia, Turkey, or Tunisia), you have to reach out to a public provider, so they inform your university you already have a valid insurance. We are not a public provider, but you can reach out to TK on versicherung@tk.de and send your basic details together with a photo of your EHIC/GHIC/AT11 or other respective document according to your country. TK should send an M10 to your university within a week.

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