Under German law, all students are required to take out health insurance. Most students in Germany are insured with a statutory health insurance fund.  The monthly contribution for public insurance for students is regulated by law and about € 120. Please be aware that after you turn 30, the premiums increase by around € 90 per month. For German students it is also possible to present a private German health insurance ("Vollversicherung") for enrollment. Please note that once you decided to take out a private insurance the validity period for the exemption from the student health insurance is the period of study and during this time the exemption cannot be revoked.

More information for students insured with TK

What to submit for enrollment

If you are insured with a public health insurance

Your insurance status will be transmitted to the universities by the statutory health insurance companies via an electronic reporting system (“Elektronisches Meldeverfahren”). Therefore, you must contact a statutory health insurance company as soon as possible after receiving your letter of admission and take out student insurance there so that your insurance status is reported to KLU. If your status is not reported to KLU, we cannot report your student status to the health insurance company and your student insurance will not be activated.

For the notification of the insurance status to KLU, the health insurance companies might require the sender number of KLU: H0002523

If you are insured with a private health insurance

Please submit a confirmation of health insurance from your private health insurance company. A copy of your insurance card is not sufficient. Additionally, you need to prove that you are exempted from the statutory health insurance obligation (Befreiung von der gesetzlichen Krankenversicherungspflicht). You can easily request the exemption from the statutory health insurance online on the TK website or 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 confirmation of your private health insurance.

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. 

For the notification of the insurance status to KLU, the health insurance companies might require the sender number of KLU: H0002523.