Germany is one of the world’s most popular destinations for short academic stays, research collaborations and international exchange programs. For people who only come to Germany for a few weeks – for example as part of an internship, research project or scholarship program – suitable health insurance is essential. It is required by law and a prerequisite for visas, residence permits or enrolment at universities.
This article provides a comprehensive overview of the most important health insurance requirements for foreign students, scholarship holders and academics – and presents IHC-Company’s Tarif ISHCP, a specially developed solution for international guests with a temporary stay in Germany from 3 months to a maximum of 5 years.
Compulsory health insurance even for short-term stays
In Germany, general health insurance is compulsory – even for short-term stays. Temporary health insurance is therefore particularly relevant for the following groups, among others:
- Exchange students
- language students
- Interns
- International students, doctoral candidates, scholarship holders and award winners
- Visiting academics and foreign researchers within the framework of collaborations with German universities and research institutions
- Participants in Alexander von Humboldt Foundation programs, employees at Max Planck Institutes and international guests at major research institutions
Temporary health insurance – what it should cover
Health insurance for short stays should cover basic medical services in the event of illness or an emergency. This includes:
- Outpatient and inpatient treatment
- Medication, remedies and medically prescribed aids
- Emergency treatment for acute illnesses and accidents
- Repatriation to your home country if medically necessary
- Optional insurance cover within the EU or the Schengen area
Compared to traditional private health insurance, temporary tariffs are generally more cost-effective and can be adjusted flexibly – ideal for temporary educational or research stays.
The ISHCP tariff from IHC-Company: Temporary insurance cover for international guests
With the Tarif ISHCP, IHC-Company offers a specially developed health insurance solution for foreign guests with a temporary stay in Germany. The tariff is aimed at people who stay in Germany for between 3 months and 5 years and need comprehensive cover during this time.
Overview of benefits of the Tarif ISHCP:
- Insurance term: 3 months to 5 years
- For people aged between 18 and 69
- Comprehensive cover in the event of illness and accident
- Outpatient and inpatient treatment, medication, repatriation
- Also valid in the EU/Schengen area (optional)
- Low monthly premiums
- Fast online registration and insurance confirmation
The Tarif ISHCP is tailored to the specific needs of temporary stays and offers
- Maximum flexibility at the start of insurance and terms of between 3 months and 5 years
- High acceptance by authorities, universities and visa offices
- Fast issuance of the insurance certificate for submission with the visa application or enrollment
- Multilingual customer service that provides competent support for international guests
- Reliable protection at a fair premium
Conclusion
A recognized and efficient health insurance policy is required for temporary stays in Germany. The Tarif ISHCP offers a flexible and cost-effective solution for longer temporary stays in Germany (3 months to 5 years) that meets the requirements of authorities, universities and research institutions. It is aimed specifically at international guests from the fields of education and science and provides uncomplicated cover.
Would you like more information on the Tarif ISHCP? We will be happy to advise you – simply write to us using the contact form!
