International student
Who it is for: You're enrolling at a German university.
Under 30 you're eligible for cheap student public insurance; over 30 you typically need private student or expat cover. You need valid insurance before you can enrol and before the visa.
Your options
Student public insurance (under 30)
Reduced student tariff; covers you fully and lets you enrol. Ends at 30 or after the 14th semester.
Typical cost: Around €130–150/month all-in (health + care).
Private / expat student insurance (30+)
For older students or language-course/Studienkolleg phases before enrolment.
Typical cost: €30–120/month depending on age and coverage.
Our take
Under 30: student public insurance is unbeatable value. For the pre-enrolment/language phase, use an accepted expat policy, then switch.
Frequently asked questions
Do I need insurance before I get the visa?
Yes — you need coverage for the visa and again to enrol. Incoming/expat insurance bridges the gap until public student insurance starts.
Can I work as a student on public student insurance?
Yes — within the 140-full-days rule and up to 20 hours/week during term you keep the reduced student tariff. Earning more can push you into regular employee contributions.
Last verified: 21 July 2026