All applicants therefore need to contact a German public health insurance provider before enrollment regardless of your country of origin. To prepare you to study successfully, are will take care of your health insurance. This makes it easier for your to contact the health insurer. The health insurance company will then automatically report your status to the university. TK, Barmer, DAK, AOK). Statutory health insurance Due to an EU and EEA-wide social security agreement, you do not initially require separate health insurance, since your country of origin is in the EU or the EEA. Due to an EU and EEA-wide social security agreement, students whose country of origin is in the EU or the EEA do not initially require separate health insurance. Please note: If you change health insurance, your new health insurance provider must again confirm your insurance status to TUM. Our English-language service hotline is available to provide help over the phone Please refrain from status requests during this timeframe. For example, the regional AOK Baden-Wrttemberg if you are in Heidelberg or Stuttgart, or the AOK Bayern for Munich. Calling Hours: If you have severe pain, have had a serious accident or need to see someone outside of normal consultation hours (for example at the weekend), please visit an on-call doctor's practice that offers an emergency service or go to a hospital. You can then decide for yourself whether the treatment will be carried out or not. You can include children, spouses or registered partners at no additional cost with AOKs free family insurance cover. The scope of benefits provided by a statutory health insurance fund is defined by law. Here, we explain how the healthcare system works and why international students need a healthcare plan while studying in the US Grace McCabe Content Writer, THE Student December 9 2022 Please inform yourself directly from the websites of the health insurance providers (TK, Barmer, DAK, AOK). Please also understand that we cannot provide detailed advice on the service packages of individual private providers. Coverage for mental health as well as physical health. International Student Health Insurance - Allianz Care To be able to enrol at a German university, you will need to prove that you have taken out a health insurance. Were happy to help: our experts are on hand to provide you with the advice you need. As the AOK community comprises elven independent AOKs and each AOK has regional offers and content, you will need to find out more in advance about the respective bonus programme from an AOK service employee or the relevant AOK website. We have countless awards that attest to our expertise in the healthcare field. Calculate your insurance contribution. Our student insurance is very low priced. Private health insurance AOK-insured: Optimum care. Further information can be found at www.klett-gruppe.de. AOK is a public health insurance. If the suspension has not been removed after that time, please contact your health insurance company again so that the notification is re-sent correctly. The AOK insurance card makes life easier for you. Likewise, those in receipt of unemployment benefit will, for the same period, continue to receive their payments from the Employment Agency. You will not be able to withdraw any additional funds, nor can this account be used for any other purpose. Here are some of the benefits you can have with AOK coverage: The price of the AOK health insurance depends on your income. Our special "AOK Student-Service " - 70 times in Germany, Free choice among over 130.000 doctors and dentists, No advance payments thanks to your AOK card, Individual advice and personal service provided by our student advisers, Accessible office locations, directly on-site in many university and college towns, Long opening hours and quick, unbureaucratic help when needed, Nation-wide telephone hotline at the cost of a local call, Advice and assistance in all matters relating to social security, A comprehensive program to promote health and healthy living, On-going support to help you overcome all hurdles relating to insurance during your studies. If you find yourself in need of emergency care while in Germany, these are the main emergency service numbers that you may need. The costs for treatment are settled directly with the health insurance company; therefore you do not have to pay the bills yourself first. Every effort has been made to ensure the accuracy of the information presented in the UCLA General Catalog. It is therefore particularly important to compare offers and take into account the cost/benefit ratio. You have no health insurance and questions about it? We have been providing security and comprehensive cover in the event of illness for over 130 years. It is not possible for you to take out other health insurance tariffs such as MAWISTA Student Pro or statutory health insurance in these circumstances. EU and EEA countries The scope of benefits provided by a statutory health insurance fund is defined by law. In this case, your employer will pay half your insurance premium. The disadvantage scale has helped turn U.C. Health insurance for students | BARMER The UCLA General Catalog is published annually in PDF and HTML formats. In Germany, employees and trainees are generally covered by statutory unemployment insurance, which is mandatory. Medical services must first be paid for by yourself, and then submitted to the provider for reimbursement. You can also store an emergency passport including emergency contacts, your medication and other important documents. Until this time, the statutory health insurance companies are obligated to offer students a lower student rate. As soon as the statutory health insurance company can confirm your insurance status, it will be digitally transmitted to TUM (TUMs number is H0001558). The amount of your medical insurance premium depends on your income so someone with a high income will pay more than someone with a low income. Treatment for this illness will continue as normal and you will continue to receive the medications you need. You will not be able to withdraw any additional funds, nor can this account be used for any other purpose. under family insurance). The scope of benefits provided by a statutory health insurance fund is defined by law. The scope of private health insurance is very individual. The fee is currently around 110 euros per month and will be directly debited from your account every month that your contract is effective. A statutory health insurance provider can only issue an exemption if the private health insurance you have selected meets a minimum benefit level: In addition, the conditions of insurance must not contain any of the following exclusions or limitations: The following private health insurance packages meet these requirements. On average, students will have to pay around 110 a month for health insurance. You will not be able to withdraw any additional funds, nor can this account be used for any other purpose. In addition to limited treatment for illness and accidents, this also includes pre- and post-operative examinations, rehabilitation measures and the cost of medically necessary medication. The prerequisite for prescription of contraceptives is an examination and consultation with your doctor. Private health insurance Or do you need guidance on filling out the membership application? Whether you get it privately or publicly, it doesnt matter. under student health insurance under private health insurance (an exemption from student health insurance is necessary) If you are from another EU country and studying in Germany, you don't have to take out health insurance, if you are already insured in your home country (e.g. Medical services must first be paid for by yourself, and then submitted to the provider for reimbursement. Since regular student health insurance does not become legally valid until the beginning of the semester (1 April or 1 October), you must ensure that your travel health insurance is valid until then. Everything you need [], Legal expenses insurance - your protection in case of dispute, If you have to assert your rights in court or with the help of a lawyer, your legal protection insurance will cover the costs incurred. Please inform yourself directly from the websites of the health insurance providers (TK, Barmer, DAK, AOK). Employed persons will continue to receive their pay during the first six weeks of them being unfit for work. You can then decide for yourself whether the treatment will be carried out or not. The statutory insurance provider will transmit the confirmation of your insurance status to the University electronically. To continue your treatment here in Germany, just show your health insurance card to your doctor. The costs for private health insurance vary greatly depending on the provider and the service package. However, the lowest cost coverage I was offered came . Matriculation with only a travel health insurance policy is not possible! The health insurance company will then automatically report your status to the university. Will I get proof of being insured with AOK? AOK is a provider of statutory medical insurance. The scope of private health insurance is very individual. You must contact the office of astatutory health insurance providerto get confirmation of health insurance. Benefits It offers sufficient protection for medical care in the event of illness or an accident and, to a limited extent, includes pre- and post-care examinations, rehabilitation and medication. KLEMMER International Assekuradeur GmbH t. 0049 8041 7606-200** e. info@klemmer-international.com You can use it to identify yourself to the doctor or hospital. *A blocked account (Sperrkonto) is a special bank account typically required as part of the student visa requirements. Inform the health insurance provider that you will be studying at TUM and your insurance status will automatically be forwarded to the university. I Shopped Around for New Homeowners Insurance and Could Save $900 * The cost of a call from abroad via land line or mobile phone depends on the rates set by the respective foreign network operator. Once you begin your residence in Germany, you will be able to withdraw a fixed sum each month. Mandatory Health Insurance In General: All students in Germany are obligated to have health insurance. Reliable health insurance coverage for the following groups of people: With around 27 million insured individuals, the AOK is one of the largest and most popular health insurance companies in Germany. Which AOK is responsible for you depends on where you are going to work or study. ** for Germany students abroad, insurance coverage is worldwide, except in their home country of Germany, International students can find their individual health insurance plan here. Osteopathy is a treatment process that complements conventional medicine with the aim of relieving limited movement, knots and cramps. Some of the most common providers of health insurance charge the following: TK Techniker Krankenkasse 117,50 for students younger than 23 or with child / 120,34 for students older than 23 and without child, AOK Rheinland/ Hamburg 122, 37 / 125, 21 , KKH Kaufmnnische Krankenkasse 119, 94 / 122,78 . Rates and fees The AOK offers coverage in expats and students from abroad. The insurer offers an online platform in English that answers the most important questions about health insurance in Germany. International students in Germany can also take out a statutory health insurance plan. Disclaimer: This information is provided for general information purposes only. Then, your claim will be reviewed against the services in your insurance package and, as applicable, partially reimbursed by the provider. You will not be able to withdraw any additional funds, nor can this account be used for any other purpose. The only exception is if your home health insurance plan is valid in Germany. Coverage for any pre-existing conditions, such as diabetes. Statutory health insurance. Do international students need health insurance in Germany? Up to the age of 30 or the 14th semester you must be insured via statutory health insurance. However, if you have an employment contract with the University of Gttingen, you will continue to be covered by statutory health insurance as part of your employment. Health insurance from your home country No, healthcare in Germany is not free for international students. *A blocked account (Sperrkonto) is a special bank account typically required as part of the student visa requirements. Until this time, the statutory health insurance companies are obligated to offer students a lower student rate. If your income is higher than this, you will have to switch to statutory health insurance. Davis into one of the most diverse medical schools in the country notable in a state that voted in 1996 to ban affirmative action. From the age of 30 or the 15th semester, you usually have the option of taking out voluntary insurance with a statutory insurance company at the regular rate. Then, your claim will be reviewed against the services in your insurance package and, as applicable, partially reimbursed by the provider. After arriving in Germany, we recommend that you obtain health insurance as soon as possible. What is the difference between private & public health insurance in Germany? The costs for treatment are settled directly with the health insurance company; therefore you do not have to pay the bills yourself first. However, the type and scope of the insurance coverage may vary considerably. Or a certificate stating that you are exempt from the compulsory insurance with the statutory health insurance. Inform the health insurance provider right away that you plan to study at TUM your insurance status will then be sent directly to the university. To work in Germany, you need statutory medical insurance. Once you have arrived in Germany, we recommend switching to a MAWISTA student tariff for the duration of your studies. Coverage must not be restricted within Germany. In Germany, numerous statutory health insurance funds offer a largely identical range of services. TK-Student Insurance before entering Germany - GERMAN STUDENT No unnecessary treatments thanks to effective cooperation. The scope of private health insurance is very individual. AOK statutory health insurance for college in Germany. Exemption from statutory health insurance. As your medical insurance provider in Germany, AOK pays the costs of your dental visits and medically necessary treatments including, for example, fillings, root canal treatments and surgical procedures. You can then decide for yourself whether the treatment will be carried out or not. A MAWISTA student tariff offers up to five years of health insurance and you can still cancel monthly at any time. From the age of 30 or the 15th semester, you have the option of taking out voluntary insurance with a statutory insurance company at the regular rate. If you are an EU or EEA student with a part-time student job in Germany or completing a paid internship, you must be insured through a German health insurance company. AOK Baden-Wrttemberg; AOK Bayern; By the way, if you need proof of sufficient means for your visa application, you can easily open a blocked account with our partner Fintiba. The contribution rate is usually based on the contractually agreed scope of medical services, so that the more affordable the insurance contract, the lower the benefits. The costs for treatment are settled directly with the health insurance company; therefore you do not have to pay the bills yourself first. There are numerous private health insurance companies in Germany. The current monthly rate for health insurance is 121,16 (118,32 for under the age of 23) This policy gives you all the health insurance coverage you need and entitles you to all the medical services you require You receive your personal AOK Health Insurance Card with your photo. Here we show you which costs are covered by legal protection insurance and whether the []. You must provide proof of this when applying for a German visa for the purpose of studying. HEALTH. The important thing to note here is that the courses need to be certified. Just fill in your membership application and send it to us, either at our offices, by post or here using a simple and convenient online form. If electronic transmission is not possible, you will receive a paper printout from your doctor's surgery. This will give you the best possible financial freedom and enable you to focus on your studies.
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