Health Insurance For International Students On Opt - International students must have adequate health insurance coverage to enroll and obtain residency at a German college or university.
If you plan to study in Germany as an international student, you will need to take out appropriate health insurance. Without it, you will not be able to register at the university or get a residence permit. Germany has a mixed health insurance system of statutory and private health insurance providers. whether by law or Whether private insurance is right for you depends on your personal circumstances.
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It is mandatory for students under 30 years of age to apply for health insurance by law. However, if they wish to take out private health insurance, they can apply for an exemption during the first three months of their studies. Students aged 30 and over at the start of their studies generally cannot take out statutory health insurance and must opt for private health insurance.
University Health Insurance Plan (uhip)
Students from the European Union Iceland Liechtenstein, Students from Norway and Switzerland are insured in their country of origin and can receive medical services in Germany. For this, They should apply for a European Health Insurance Card (EHIC) from the statutory health insurance of their home country and use it to register their foreign health insurance with an official health insurance organization in Germany. The addresses of the relevant institutions for issuing the TSE can be consulted in the public directory of social security institutions of the European Union.
In this case, Medical expenses incurred in Germany are reimbursed by the patient's statutory health insurance. It also applies to citizens of countries that have signed a social insurance agreement in the field of health insurance with Germany. It currently includes the following non-EU countries: Bosnia and Herzegovina; Israel Morocco Macedonia Montenegro, Serbia Turkey and Tunisia (as of August 2017).
Foreign private health insurance is also acceptable in Germany. Contact your insurance company for more information. If your private insurance is accepted; You need confirmation that you are exempt from compulsory insurance in German statutory health insurance. Please note that you will not be able to switch to statutory health insurance for the duration of your studies afterwards.
Compulsory statutory insurance for students has lower monthly premiums (health insurance: currently EUR 76.85 plus additional individual contribution from health insurance, long-term care insurance: currently EUR 22.94 or EUR 24.82 for insured persons without children). ) however, Compulsory student insurance will finally end at the beginning of the semester in which you turn 30.
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For students who have reached the age of 30 Compulsory insurance can be continued if one of the following causes occurs:
If there is no reason for renewal, interested parties may voluntarily take out health insurance under the law. However, After a 6-month transition period, Contributions are about twice the reduced student rate.
On the website of the association GKV-Spitzenverband you will find a list of official health insurers in Germany.
If you choose private health insurance; Exemption from compulsory health insurance must be applied for within the first three months of the compulsory insurance period. The benefits of selected private insurance must be equivalent to mandatory official insurance.
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When applying for a residence permit, proof of adequate health insurance is required to verify that students cover their living expenses. For this purpose Appendix 6 (see below) must be signed by the private insurance company.
A list of private health insurance companies can be found on the website of the PKV-Verband association (Germany only).
Some companies may offer higher fees, such as travel and international liability insurance or additional dental care.
Foreigners attending language preparation or short-term courses in Germany do not have access to statutory health insurance and must opt for private insurance. When applying for a residence permit, you must prove that you have sufficient insurance cover in case of illness. For this purpose Appendix 7 (see below) must be signed by the private insurance company. After completing a language or preparatory course; Students under the age of 30 can switch to statutory health insurance if they remain in Germany for their studies. Note: There are two types of health insurance in Canada: primary and secondary. Both primary and secondary health insurance are required.
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If you don't find the information you're looking for on this page, See the COVID-19 FAQ page for international students about health insurance. For further questions, Connect with an international student advisor here.
Primary health insurance covers doctor visits, Covers services that require medical care, such as hospitalization and diagnostic tests. Primary health insurance is legally required for all British Columbia residents (including international students) and is provided by the BC Medical Services Plan (MSP). An interim solution to the waiting period during the coverage gap is a short-term health insurance plan called guard.me.
Under the Medicare Protection Act; Enrollment in the Medical Services Plan (MSP) is mandatory for all eligible residents and their dependents.
If you're in BC and haven't been, Apply now for BC Medical Services Plan (MSP).
Health Insurances For Your Stay In Germany
If you don't use it, you can opt out of the guard.me@temporary health insurance plan. Visit their website before the deadline to close guard.me@
If this is not your first authorization because you are not in Canada, you have opted out of the guard.me@ plan:
Contact International Services for Students to learn about health insurance options to cover your BC MSP waiting period when traveling to Canada.
If you are currently covered by another state health insurance plan; You may opt out of the guard.me@ plan. To check coverage in British Columbia (BC), contact your provincial or territorial health plan provider. Please note that i guard.me will not review your home insurance plan.
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If you cannot continue in your home state/territory program; You cannot leave guard.me@ and must apply for the BC Health Services Plan after arriving in BC.
Guard.me@ provides short-term basic health insurance coverage for your first term. The goal of guard.me@ is to help you transition while you wait for your BC MSP. If you plan to stay in BC for more than 6 months, you must enroll in the BC Mandatory Medical Services Plan under the Medicare Protection Act.
You will receive a welcome email from guard.me@ at the start of the semester. This email includes a link to log into your account to view your policy details. You can view and download your Healthcare Access Card (HAC), which is your proof of insurance, and your name, student number It will have the policy number and the start and end date of the policy. You can also log in via Guard.me@website.
This card is accepted by some pharmacies, Can be used for direct payments at medical clinics and dental offices. You will need it to make a direct payment or file a claim, so be sure to keep it for future reference. If you did not receive an email from guard.me@ Contact them at [email protected].
Health Insurance In Germany
You are only enrolled in the guard.me@ program for your first term. If you have valid coverage through the BC Medical Services Plan (MSP) or another Canadian province or territory public health plan; If you are studying on a government-sponsored scholarship program or are outside of Canada. You can turn off the guard. .me@ program.
If you opt for public health coverage in another Canadian province or territory; Contact your provincial or territorial health plan provider to inquire about coverage in British Columbia (BC). Please note that i guard.me will not review your home insurance plan.
Guard.me@ opt out of health insurance plan; Visit the website to opt out. Select your appropriate student category and follow the instructions to opt out. For exclusion rules; Click here.
To successfully disable Guard.me with BC MSP; You must submit proof of MSP which must include a photograph of your MSP card and one of the following additional documents.
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When you visit health clinics; Print a copy of your Health Access Card (HAC) from webguard.me@web. The HAC is your proof of insurance that contains your coverage information. They will collect a copy for each visit and send it directly to billguard.me@en on your behalf. No additional request is required. You can find Guard.me preferred clinics near your location here. These clinics will allow direct payment.
For clinics that do not allow direct billing; Payment must be made in advance for the visit. Keep copies of all payment receipts. to file a claim; Visit euguard.me@ to create an online account and upload copies of your receipts.
I received my BC service card (MSP card) before the end of my first term. Can I apply for partial refund of 4 months policy?
If you haven't made a claim and you have more than 1 month of valid coverage when you apply throughguard.me@ you are entitled to a refund of the unused portion of your insurance. Your partial refund request must be received by guard.me@ within the last month.
Public Health Insurance In Germany
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