Healthcare

You already have European-wide health insurance coverage – make sure you have a valid European Health Insurance Card (EHIC) for the entire duration of your stay and bring it with you! Note that you will be required to pay a certain amount of the treatment costs in advance, but you can ask your health insurance company for reimbursement. Please contact us if you do not have an EHIC.

You are required to prove that you have a health insurance plan equivalent to the public health insurance coverage for students in Germany. Basically, you have two options: 

• Option 1:
  You take out a German statutory (i.e. public) health insurance plan for students (monthly costs are around 120 euros).
• Option 2:
  You buy a private health insurance plan that covers your study abroad-stay in Germany. Please note, though: Most private health insurance plans are not accepted for enrollment at h_da, even if they are recommended by the International Office of your home university! Travel health insurance plans are not accepted, either. Health insurance coverage through these providers is not accepted for enrollment: Care Concept • Dr. Walter • educare24 • Guardme • Mawista • VELA • other (private) insurances. An exception is made if you're older than 30 years old. In that case, please send us an email.

Our advice: Apply for a German public health insurance plan!

1. It is a very reasonable plan and valid throughout all of Europe
2. You’ll have easy access to medical services in Germany (as you will be in possession of a European Health Insurance Card).

Students from overseas who receive funding through h_da, have two options:

Option 1:
You can take out a German statutory (i.e. public) health insurance plan

Option 2:
As an exchange student that receives an Erasmus or STIBET grant through h_da, you have an additional health insurance option: You may opt for the DAAD Insurance package which comes with health insurance as well as liability and accident coverage. It costs you 100 euros per month (to be paid by you, it is not covered by h_da). This is how it's done:

1. Sign up for the DAAD package (you may use our DAAD insurance package explanation sheet for help)
2. Once you have received an official confirmation from the DAAD about your insurance package, please send us the document called “Versicherungsausweis und Tarife“. We need the document for your enrollmen at h_da.
3. h_da requires students to have a statutory (i.e. public) health insurance plan. The type of health insurance included in the DAAD package is not a statutory one, but it is accepted by h_da. To request h_da to accept it, please fill in the Exemption from statutory health insurance form and send it back to us (see our Exemption form explanation sheet for help).
4. Print out the document called DAAD-Versicherungsausweis and carry it with you at all times (in your wallet/pocket book). If you want to see a doctor, show the Versicherungsausweis document to the receptionist. It’s possible that you will have to pay for treatment up front, but you’ll get the money back later either in full or in parts (the types of treatment covered by your insurance are listed in one of the other documents you received from DAAD/Die Continentale.
5. The first payment of the DAAD package is due about four weeks into your exchange semester. The document called “Zahlungsplan (payment plan)“ tells you when your first payment is due exactly. If you have a question about the payment, please send an email to versicherungsstelle@daad.de.