Health Insurance for Exchange Students

Important notice for winter term 2020/2021:
As enrollment takes place via postal service it is mandatory that you hand in the proof (of your sufficient coverage) issued by a German Health Insurance with the other enrollment documents. Please, read the according steps in the "Practical Guide" carefully!

It is mandatory in Germany for all students to have health insurance. Therefore, you will have to present proof of sufficient health insurance coverage for enrollment, otherwise you cannot be enrolled.

To prove sufficient coverage you must contact a public German health insurance. There are two options:

  • 1) You already have sufficient health insurance coverage that is valid in Germany during your stay.

If this is the case, then you will have to present proof and details of your health insurance policy to the public German health insurance and ask for an exemption from the statutory health insurance. They will check your policy and determine whether you qualify for the exemption or not.

  • 2) You do not have sufficient health insurance coverage.

If this is the case the German public health insurance will advise you about your options. The cost of a German public health insurance policy is about 110 € per month for students.

Please check BEFORE your departure to Germany which services are included in your health insurance or if necessary look for an additional insurance.

Which one of the following statements is true for you?

You have health insurance in your home country.

If you have a health insurance in your home country which is valid in Germany, you will get exempted from the insurance.

Please ask your health insurance provider in your home country BEFORE coming to Mainz:

  • Is your health insurance valid in Germany?
  • Which services in Germany are covered by your health insurance (e.g. dental treatment, hospital stay)?

Statutory health insurance ("Gesetzliche Krankenversicherung", GKV)

If you have a statutory health insurance in your home country either on your own or through your parents’ insurance, please present one of the following forms to a German public health insurance:

  • EU countries plus Norway, Island, Switzerland and Liechtenstein: EHIC (European Health Insurance Card)
  • Serbia, Montenegro: Ju 6
  • Bosnia and Herzegovina: BH6
  • Croatia: HR/D 111
  • Macedonia: RM/D 111
  • Turkey: T/A 11
  • Tunisia: TN/A 11

We strongly advise students who cannot contract a statutory health insurance (e.g. because they reached the age of 30 years) or who do not want to contract such a health insurance to contract a private health insurance.

Private health insurance ("Private Krankenversicherung", PKV)

If you have a private health insurance in your home country either on your own or through your parents’ insurance, please ask your insurance company to issue an insurance policy in German or English to present to a German health insurance. This insurance policy must name the exact benefits, e.g. validity, services, policy territory and financial coverage.

If your private health insurance is not valid abroad (i.e. for the duration of your stay in Germany), you will have to contract a health insurance with a German health insurance provider right after your arrival in Mainz. The cost for students for such an insurance is approximately € 110 per month.

Important notes:

  • Privately insured individuals will be required to pay doctors’ bills by themselves first and receive a reimbursement of their expenses after submitting the bill to their insurance provider.
  • Students from outside of Europe can be exempted from mandatory statutory health insurance coverage if they have proof of health insurance coverage at home which is also valid in Germany. We do, however, strongly recommend to get an insurance plan in Germany, since cost reimbursement can take a lot of time with foreign insurance companies.

You DO NOT have health insurance in your home country.

If you do not have a health insurance in your home country of if your health insurance is not valid in Germany, you will have to contract an insurance in Germany.

WITHOUT health insurance, you cannot be enrolled at JGU.

Statutory health insurance ("Gesetzliche Krankenversicherung", GKV)

For approximately € 110 per month, students may contract an insurance with a statuary insurance provider in Germany.

We strongly advise students who cannot contract a statutory health insurance (e.g. because they have reached the age of 30 years) or who do not want to contract such a health insurance to contract a private health insurance.

Private health insurance ("Private Krankenversicherung", PKV)

You can contract private health insurance in Germany.

Privately insured individuals will be required to pay doctors’ bills by themselves first and receive a reimbursement of their expenses after submitting the bill to their insurance company.