Key things to keep in mind about private health insurance
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Key things to keep in mind about private health insurance
Key things to keep in mind about private health insurance. In Germany, having a private health insurance plan does not automatically exempt you from the mandatory health insurance scheme. To prove that you are not obligated to enroll in the statutory health insurance system, you must acquire a document from a public health insurance provider.
If you were previously insured by a public provider, you can obtain this document from them. However, if you have never been insured by a public health insurance provider, you have the freedom to choose any public provider to obtain this document.
For students from countries that have signed social agreements with Germany, it may be possible to demonstrate sufficient coverage from their home country’s health insurance plan. However, it’s important to note that a health insurance card or confirmation of coverage from a foreign provider is not sufficient proof of student health insurance.
If your current health insurance plan is recognized in Germany, you still need to obtain a document from a public provider that confirms sufficient coverage and proves that you are not obligated to enroll in the statutory health insurance system. It’s crucial to provide a detailed description of the extent of coverage required. If your plan has limited coverage or a fixed upper-cost limit, it may not be recognized in Germany.
Germany has signed social security agreements with various foreign countries, including EU and EEA member states, that acknowledge the health insurance plans of their residents. Additionally, students from 20 non-EU and non-EEA countries, which have social security agreements with Germany, are exempted from obtaining mandatory health insurance in Germany.
These non-EU and non-EEA countries include Albania, Australia, Bosnia and Herzegovina, Brazil, Canada and Quebec, Chile, India, Israel, Japan, Kosovo, Montenegro, Morocco, North Macedonia, the Philippines, the Republic of Korea, the Republic of Moldova, Serbia, Tunisia, Turkey, the United States of America, and Uruguay.
However, it is important to note that using health insurance from your home country as proof of student health insurance in Germany is not permitted. Instead, you must send a certification of your mandatory insurance to a German public insurance provider to obtain proof of health insurance for university enrollment.
In some cases, foreign private health insurance may be accepted in Germany, but it is advisable to confirm coverage with your provider before studying in Germany.
While obtaining proof of student health insurance usually does not take long, if your request is still pending approval at the time of enrollment, you may still enroll in your course as long as you have paper proof of insurance. It is recommended that you attach the document of your student health insurance to any previously uploaded documents as soon as you receive it.
