Best Insurance For International Students - For international students, academic success begins with adequate health insurance. Student Pro is a high-quality private comprehensive health insurance that is specially tailored to the needs of international students at German universities (bachelor, master, postgraduate). The Student Pro tariff is recognized by all immigration services and universities.
Student Pro covers medical expenses in case of illness or injury. You can visit any reputable doctor or dentist or simply get medical help via video call in more than 20 languages. Naturopathy provided by doctors is also included in the price list.
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You can apply for Student Pro before and during your studies in Germany. The health insurance plan is valid for up to 5 years for studying in Germany. The tariff can be canceled every month, which gives researchers high flexibility.
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The health insurance plan offers great flexibility even outside of Germany. The Student Pro tariff offers unlimited coverage in other EU countries, up to four weeks worldwide and even up to 12 weeks in your country. If you then start your career here, you can stay covered at an affordable private health insurance rate.
Note: If you need a visa to travel to Germany, we recommend that you take the Visa plan and upgrade to the Student Pro plan while in Germany.
Thanks to our fast professional service, you will receive the contract documents within 24 hours of the inspection. We know that students need to be flexible, so you can pay installments every month and cancel the plan every month.
The insurance premium can be paid in monthly installments, with the due date always being the first of the month. In addition, it is possible to pay the entire annual premium at the beginning of each insurance year.
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There is no minimum contract duration. The insurance ends after 5 years of insurance at the latest.
The contract can be terminated at the end of each month. This cancellation must be made through the Hallesche4u application or by e-mail and delivered to the insurer at least 15 days before the end of the month.
You can access the Hallesche4u program via the following two links. Please note that you need a policy number to register in the application. You can find this in your contract documents.
You can send the cancellation by e-mail to the following address: [email protected]. Make sure your rejection letter includes the following information:
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The deductible percentage of Student Pro rates is 10%. This means that you have to pay 10% of the eligible account yourself. The maximum amount of your deductible per year is €500.
Long-term care insurance covers the risk of long-term care. This means that in the event of an insurance event requiring care, monetary assistance or non-monetary assistance is provided. Since 1995, every person living in Germany (with general or private comprehensive health insurance) is obliged to insure their health risk (within 1 year of entry at the latest) and take out the appropriate insurance.
If it is a minor illness (for example, you have the flu, a headache or a minor accident), we recommend that you visit your local GP. Your attending physician can refer you to a specialist if necessary. If you have a toothache, you should see a dentist immediately.
If you are in a lot of pain, have a serious accident, or need to see someone outside office hours (for example, at the weekend), you should go to a hospital or visit an on-call hospital that offers urgent care. If you need to stay in hospital as an inpatient (for example for surgery) you should contact your insurer immediately. In this case, the emergency call center team will clarify the payment details directly with the hospital. The advantage is that you do not pay in advance for high hospital bills, because in this case the costs will be paid directly by the insurance company.
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At apotheken.de you have the opportunity to choose a cooperating pharmacy. After the video consultation, your prescription will be sent to the pharmacy of your choice. At the same time, a self-collection code will be sent to you by e-mail, with which you can pick up the corresponding products at the pharmacy.
Alternatively, the prescription may be mailed to you. The recipe cannot be sent by email.
After your application is approved, you will immediately receive an insurance confirmation by e-mail. Immigration authorities and universities/universities of applied sciences recognize our certificate as a health insurance plan.
In order to help you obtain a residence permit from the immigration authorities, we are happy to issue special certificates proving your private health insurance upon request.
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The insurance conditions described in section 5 indicate cases of absence or limitation of insurance coverage:
The insurance company does not pay for inpatient and outpatient outpatient treatment, unless this benefit is explicitly included in the tariff.
The insurer does not pay out if the insured was injured as a result of military operations in Germany.
The insurer does not pay even if the insured was injured outside of Germany as a result of active participation in public riots.
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The insurer does not pay even if the insured was injured outside of Germany as a result of military operations or terrorist attacks. However, the insurance company will pay if
They cannot leave the zone through no fault of their own. This can happen if, for example, if the insured leaves the territory, his life is in danger.
The insurer will pay if the insured person is treated as a result of the pandemic in Germany.
The insurer does not pay if the insured is treated outside Germany due to the pandemic. However, the insurance company will pay if
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The insurance company does not cover rehabilitation treatment. If it is a supplementary treatment, the insurer pays according to § 5 par. 7.
The insurance company pays for medically necessary inpatient or outpatient follow-up treatment after prior written consent.
However, the insured does not need written consent during the first 3 weeks of further treatment if the following conditions are met:
If the treatment or other measure for which the benefits are agreed exceeds what is medically necessary, the insurer may reduce the benefit to a reasonable amount. If the costs of treatment or other services are clearly disproportionate to the services provided, the insurer is not obliged to provide such services.
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If the insured can claim the costs from another payer, he must do so primarily in full. The insurance company will deduct these payments from the compensation. If the insured has claims against several payers as a result of the same insurance event, he will not receive more than the actual costs incurred as a total benefit.
You can go to the doctor even before you have an insurance card. The only condition is that your insurance cover has already started. You must provide your contact details and insurance number at the doctor's office. You will then receive a bill that you must provide to the insurance company.
The Student Pro Classic tariff covers 100% of mandatory preventive programs up to the age of 18. The Student Pro Premium tariff covers 100% of mandatory preventive programs without age restrictions.
You can register as a Student Pro insured via the Hallesche4u application or by e-mail.
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If expenses are incurred in a foreign currency, we will convert them to euros. We use the current exchange rates on the day confirmations are received. The exchange rate is the official euro rate of the European Central Bank or the Deutsche Bundesbank exchange rate. If the insured confirms with a bank document that he bought foreign currency at a higher price, this exchange rate will be used.
Expenses will be paid to the insured. The money must be remitted to the doctor or hospital by the date indicated on the bill.
The Student Pro tariff offers the right to the benefits of the so-called This means you can remain a member of private full health insurance even after your plan ends. Entitlement to benefits means that you can benefit from extremely favorable conditions without having to undergo a new medical examination.
As a rule, it is possible to switch within the Student Pro tariffs. However, a medical examination is required for higher insurance. This means that upgrading from Student Pro Classic to Student Pro Premium requires a health check.
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The product finder will show you all the health insurance plans available to you as an international student. One of the things you MUST have before you go to study abroad is international student insurance. No matter which country you are going to study abroad in, there is insurance
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