Information for BSC, MSC & MBA students
4. Students from the EU or countries that have a social security agreement with Germany:
If you are from the EU or a country that has a social security agreement* with Germany (like EFTA countries), you can remain insured with your home country insurance during your stay in Germany if you have state-regulated health insurance in your home country. In order to do this, you must stay registered with your health insurance company and continue to pay the premiums.
*Countries that have a social security agreement with Germany include e.g.: Bosnia and Herzegovina, Iceland, Liechtenstein, North Macedonia, Montenegro, Norway, Switzerland, Serbia, Turkey, Tunisia, United Kingdom.
There is no need to take out health insurance in the country where you're studying when you are insured with a public insurance in your home country. Students are generally classed as 'non-active citizens', which means they're covered by health insurance in their country of residence. Students going abroad to study for a limited period are generally considered to have maintained habitual residence in their home country, and can use the EHIC issued to them by that country for healthcare received while studying abroad temporarily.The EHIC allows you to obtain any unplanned medical treatment that may be necessary while you're temporarily studying in another EU country (as well as Iceland, Switzerland, Norway & Liechtenstein). It gives students access to whatever treatment becomes necessary, depending on the length of time they're spending abroad. It's up to the healthcare provider to define what types of treatment are medically "necessary". As students are usually staying for longer than tourists - who may only be visiting for a few days - they have access to a wider range of treatment. You can use your EHIC only at the public healthcare providers, as it does not cover privately provided healthcare.
Students from the EU or countries whom the Federal Republic of Germany has a social security agreement (EU/EFTA countries) with, should obtain the required European Health Insurance Card (EHIC) from the health insurance company in their home country.
It may be that your insurance does not cover all costs. Please contact your local health insurance provider to find out which services are fully covered. An additional insurance may be necessary.
Important: as soon as students with a health insurance from their EU home country take up an employment, self-employment or paid internship, even if it is less than 20 hours per week, the insurance of the EU home country becomes invalid. In such cases, the student must now take out insurance as a student with a German statutory health insurance company. Please clarify this with your (future) employer.
What to submit for enrollment
For enrollment, please submit a copy of your EHIC. Please make sure that all information on the back of your card is readable (your name, validity).
Additionally, you need to prove that you are exempted from the statutory health insurance obligation in Germany. For this, please contact our consultant Jurij Visnakov from TK:
Phone: + 49 40 460 65 10 16 16
Email: jurij.visnakov@tk.de
As a prove you must send him a scan of your EHIC.
Alternatively, you can contact any statutory health insurance company (e.g. DAK, AOK, Barmer, etc.) and ask them to report your insurance status ("nicht gesetzlich versichert") to KLU via the electronic reporting system. KLU's sender number is: H0002523.