You are here: Before and on Arrival | General Information | Health Insurance

Health Insurance

Nürtingen-Geislingen University requires all international students to have adequate health insurance. Upon registration at the town hall and enrolment at NGU you must provide proof of insurance which is valid throughout the whole semester or study period (September 1st to February 28th for the winter semester and March 1st to August 31st for the summer semester). Without this proof you will not be admitted.

You should also make sure that you have sufficient health insurance during your travelling/arrival day(s) and the interim period in case you take out a German health insurance after your arrival.

EU Nationals

Students from the 28 EU member states plus Iceland, Liechtenstein, Norway and Switzerland contact their health insurance provider . They only need to bring along an EHIC (European Health Insurance Card) from their insurance company. http://ec.europa.eu/social/main.jsp?catId=559&langId=en

The card gives you access to medically necessary, state-provided healthcare during the temporary stay and under the same conditions and at the same cost as nationals of Germany. However, it is possible that your insurance will not cover all costs in Germany. Before you enter the country make sure you know exactly what services you are entitled to in Germany. Further information: Homepage of European Commission

Important – the European Health Insurance Card:

  • is not an alternative to travel insurance. It does not cover any private healthcare or costs such as a return flight to your home country or lost/stolen property,
  • does not cover your costs if you are travelling for the express purpose of obtaining medical treatment,
  • does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.

Non-EU-Nationals

For students from countries outside the EU we recommend to take out a statutory health insurance with a German insurance company after your arrival (approx. 75 €/month).

Some countries' health insurance schemes can be used in Germany, so you may be able to continue being insured in your own country. We recommend asking your local health insurance adviser whether your health insurance is sufficient for your stay in Germany. You should make sure that it allows for high costs in case of an accident or operation. The amount of coverage for medical expenses needs to be at least 30.000 EUR. And it must include the costs for repatriation. Please be aware that if you don't have statutory German health insurance you will have to pay the costs for medical treatment and medicine yourself and (hope to) be refunded by your private health insurance company later.

For detailed information on the health insurance system in Germany, please download the health insurance waiver which must be signed by exchange students and their university coordinator (only non-EU students).

For your orientation about prices and benefits you can look at

If you need to take out health insurance with a German health insurance company (private or public), the International Office will assist you. Please contact Andrea Heissler (andrea.heissler@spam.hfwu.de).

Doctor's Visit

It is wise to find a general doctor in you neighbourhood. This way, you will not have to start the search for one when you are ill. Please ask the employees of the international office, your mentor or fellow students or consult the yellow pages to find a doctor in your neighbourhood.

To be able to benefit from all the medical care, treatment and preventive measures offered by the health insurance system, you will be asked to present your health insurance card at your visit each quarter of the year. 

Do keep in mind to consult your general doctor first at all times. Should you need to see a specialist, you should get an “Überweisung” from your doctor first. Only in case of emergencies you can visit the hospital directly.

Medications

Medical drugs can be obtained from pharmacies (Apotheke). The co-payment for prescribed drugs is 5 to 10 Euros depending on the price of the medical drug.

Further Information

The following website offers information regarding the German health insurance system in 10 different languages:

http://www.1a-krankenversicherung.de/international

 

Letzte Änderung: 18.11.2014 - 14:13:27 
855