Insurances

Health Insurance

Upon enrolment, all students, whether domestic or from abroad, have to proof that they have health insurance coverage by means of a health insurance certificate. Without this certificate students cannot enrol.

In Germany, there are two types of health insurance policies: public and private. After their 30th birthday or 14th semester, students can no longer benefit from reduced health insurance charges. In that situation they can either take out private health insurance or public health insurance on a voluntary basis.

Muster

!Bitte nicht als Vordruck verwenden - den Krankenkassen liegen diese Vordrucke vor!

(Auszug aus Studentenkrankerversicherungs-Meldeverordnung) (Bundesgesetzblatt Jahrgang 1966 TeilI Nr. 20, ausgegeben zu Bonn am 9.April 1996)

Die Krankenkassen sind zur Ausstellung einer für Sie entsprechenden Bescheinigung gemäß der o.g. Verordnung gesetzlich verpflichtet.

 

Versicherungsbescheinigung

Diese Bescheinigung ist mit den Unterlagen für die Einschreibungder Hochschule einzureichen.

Name, Anschrift (und Unterschrift) der Krankenkasse                     Datum

Herr/Frau

Name, Vorname, Geburtsdatum

Straße, Hausnummer,

Postleitzahl, Wohnort

( ) ist bei uns versichert.

( ) ist versicherungsfrei, von der Versicherungspflicht befreit oder nicht versicherungspflichtig. (ist z.B. bei Privatversicherung anzukreuzen)

Versicherten-Nr.

International Students

EU Citizens

If you are a citizen of the EU and you have health insurance coverage in your country of residence, you can get the European Health Insurance Card (EHIC). EHIC is sufficient for your stay in Germany and covers emergency treatments in all German hospitals.

Upon enrolment at the University of Kassel, you need to have a German health insurance certificate. With EHIC, you can easily get this document from a German health insurance provider. If your health insurance coverage is not sufficient for your stay, you have to take out additional health insurance in Germany.

Please ask your health insurance provider in your country of residence whether your coverage is sufficient for your stay in Germany.

Non-EU Citizens

If you are a citizens from a country outside the EU, you will need to provide a health insurance certificate already upon application for your visa. Please take out a foreign health insurance policy which covers the beginning of your stay in Germany. Please check whether your policy covers a visit to the doctor and a hospital stay. In most cases, the amount insured must lie between €30,000 and €50,000.

If you plan on staying for more than 3 months in Germany, please do not take out foreign health insurance for your entire stay. Instead, contact the German embassy or consulate at hand and enquire about the duration of coverage necessary to obtain a visa.

Upon enrolment at the University of Kassel, you need a health insurance certificate from a German Health Insurance Company. You have to take out a health insurance policy with a German provider.

Upon arrival in Germany, please observe the following:

Health Insurance

If you have a health insurance certificate from you insurance provider in your country of residence, for example by the European Health Insurance Card (EHIC) or a certification thereof, a German health insurance provider can confirm that you are exempt from the domestic duty to obtain insurance. Such a confirmation can be issued by any public health insurance provider in Germany.

If you need additional insurance, take out a health insurance policy, for example, with one of the following public health insurance companies:

After your 30th birthday or your 14th semester ("Fachsemester") you can no longer benefit from the reduced charges of the public health insurance policy for students. Instead, you can take out private health insurance or public health insurance on a voluntary basis.

In Germany there is a wide range of private health insurance companies whose service portfolio differs depending on your age and occupation.

If you take out a private health insurance policy, make sure that your insurance coverage is at least equal to a public insurance policy. Please do a thorough research into the service portfolio offered by the private insurance company before signing any contract.

You can get a fact sheet on the details concerning mandatory health insurance in Germany, including a blank form for your health insurance company, from the Foreigners' Registration Office in Kassel. The form must be signed by your health insurance company.

In order to enrol at the University of Kassel you need to submit a health insurance certificate (a form captioned "Bescheinigung zur Vorlage bei der Hochschule", which is not to be confused with your insurance chip card). Please note that you do not yet need this certificate at the stage of application.

You can find further details on health insurance issues for international students in our flyer as well as on the German Student Services ("Deutsches Studentenwerk") website.

Preparatory Course at the Studienkolleg and German Language Course

Participants of a preparatory course at the so-called Studienkolleg and of the German language course at the University of Kassel can only take out private health insurance.

For participants of preparatory courses, who cannot take out public health insurance, the German Student Services ("Deutsches Studentenwerk") have made a general agreement with Union Versicherungsdienst that can be used.


Accident Insurance

During their education and training at institutions of higher education, students are covered by statutory accident insurance. More information on this topic can be found on the Kassel Student Services ("Studentenwerk Kassel") websit.


Indemnity Insurance

In Germany, anybody who causes damage to a third party can be hold responsible. Parents are liable for their children. It is therefore common practice to take out private indemnity insurance (which can also be a dependents' co-insurance) to protect yourself against claims caused by accidentally damaging property of a third party. Further information on this issue can be found on the "Bund der Versicherten" website.