Leitfaden zur Krankenversicherung für Internationale Studierende, Gastforscher und Besucher

The German Health Care System: A Guide to Health Insurance

Your informative guide to health insurance for international students, visiting researchers and visitors.

In Germany, the law requires that every person staying in the country must have health insurance. This also applies to international students, visiting researchers and visitors. Health insurance is not only required by law, but also an essential prerequisite for the application process and enrollment at German universities.

Why is health insurance important?

Health insurance in Germany is crucial because it ensures that individuals receive appropriate medical care in the event of illness or accident. The German healthcare system is known for its quality and efficiency, but medical costs can be high. Health insurance provides financial security and ensures access to the best medical facilities in the country.

Health insurance for international students

If you are an international student coming to Germany, you must have health insurance in order to enroll in a German university. There are two types of health insurance in Germany: statutory health insurance (GKV) and private health insurance (PKV). In most cases, international students are required to have statutory health insurance until the age of 30.

Health insurance for visiting researchers and visitors

Visiting researchers and other visitors must also have health insurance before coming to Germany. It is important to organize health insurance in advance and ensure that it covers the entire period of stay.
Visiting researchers have the option of being covered by either public or private health insurance, depending on their status and individual needs.

How to organize your health insurance

There are several ways to organize your health insurance in Germany. You can enroll in a German health insurance plan or purchase private health insurance if you meet the requirements.
For students, it is advisable to arrange health insurance early to ensure that all requirements are met before you enroll at your university. Health insurance is often an important part of the enrollment process.


Health insurance in Germany is an indispensable part of the stay for international students, visiting researchers and visitors. It ensures access to quality medical care and allows for a smooth stay in the country. It is important to understand the different options and take care of health insurance early to meet all legal requirements and ensure a positive stay in Germany.
At IHC, the health insurance experts, we specialize in providing the appropriate coverage for international students, visiting researchers and visitors. We would be happy to advise you personally!

Our Blog

Private health insurance in Germany: A guide for international academics

Germany has a worldwide reputation for excellent educational institutions and a high quality of life. ...

A big thank you to our partners and customers – happy holidays and a successful new year!

We would like to thank all our customers and partners who placed their trust in ...
20 years IHC-Company S.A.

20 years of IHC-Company S.A. – 20 years of “taking care”!

20 years … that’s how long we, IHC-Company S.A., have stood for tailor-made insurance solutions ...
IHCC Haftpflichtversicherung für Stipendiaten

Liability Insurance for Scholarship Holders: Why It’s Important and How to Protect Yourself

As an international scholarship holder in Germany, there are many things to consider in order ...
Großstadt oder Provinz?

Big city or province?

As an expert in the field of health insurance for foreign scientists, studentsand scholarship holders, ...

From all over the world

In the past 20 years IHC-Company S.A. has done and changed a lot. What will ...

All around the topic of health

The most important asset we possess is our health. And your health is our focus ...