Health Insurance

Health Insurance


A valid health insurance is mandatory for a stay in Germany.
Without any proof of valid health insurance you cannot get enrolled at RUB. A proof of valid health insurance is also required for applying for a visa or for its extension.

In Germany there are two types of health insurances:
(for more information please click on the respective tab)

Statutory health insurance ↓

A standard rate of contribution has to be paid for all statutory health insurances. At present, students under 30 years pay a contribution of approx. 80€ per month.
Statutory health insurance customers do not have to pay in advance for visiting a doctor.
By closing a contract with a statutory health insurance an insurance certificate will be issued, which can be used for the enrollment and visa extension.

There are several insurance offices located on campus of RUB: AOK (in HZO building), Barmer GEK (on campus) and TK (in Uni-Center). You can find a list of all statutory health insurances here:

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Private health insurance ↓

The rates of contribution for private health insurances are sorted differently by provider and insurance coverage. The rates of contribution increase by increasing age.
Clients of private health insurances have to pay their visits to a doctor by their own. Afterwards, the cost will be reimbursed by the private health insurance.
In a private health insurance you need to be exempted from the statutory system. You can get exempted at any statutory health insurance. An exemption certificate will be issued and can be used for the enrollment and visa extension.
Please note: once being a private health insurance customer, you may no longer switch to a statutory health insurance.

A list of all private health insurances can be found here:

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Your status determines your options

The decision for a certain insurance system is an individually one. Depending on the purpose of residence and the student's age, the conditions may differ.

The general rule is as such: Students exceeding the age of 30 or the 14. subject semester during their studies in Germany, can continue as clients of statutory health insurances by paying a higher rate of contribution. Students older than 29 years by start of studying, may only close a contract with private health insurances.

Students: Members of EU- and EEA-countires ↓

Statutory health insurances form abroad may be recognized in Germany. This is only possible for students from the European Union or the European Economic Area (Iceland, Liechtenstein, Norway, Switzerland) by presenting their European Health Insurance Card (EHIC).

If you are a client of a private health insurance, you have to provide a confirmation of it for proving your right of being exempted of the statutory system in Germany. You will receive an exemption certificate afterwards. If you start your studies in Germany as a client of a private insurance, you cannot switch to a statutory health insurance anymore for the entire duration of your studies.

If you cannot access your native health insurance, you are urged to get a valid health insurance in Germany!


Students: Members of non-EU- or EEA-countries ↓

Students who are not from countries of the European Union or the European Economic Area (Iceland, Liechtenstein, Norway, Switzerland) usually have to get a German health insurance coverage.
To enter Germany a travel insurance is usually sufficient (please get more details regarding this subject at your local German Embassy). Once you have arrived in Germany, you should seek a German health insurance as soon as possible.
Statutory health insurances provide the same rates of contribution to all students under 30 years. Students older than 29 years by start of studying, may only close a contract with private health insurances.
If you are a client of a private health insurance, you have to provide a confirmation of it for proving your right of being exempted of the statutory system in Germany. You will receive an exemption certificate afterwards. If you start your studies in Germany as a client of a private insurance, you cannot switch to a statutory health insurance anymore for the entire duration of your studies.


German language course participants ↓

If you attend a preparatory German language course, you cannot choose between options regarding health insurance. In this case, you may only close a contract with a private health insurance.
You can take out a statutory health insurance as soon as you start studying. In this case, a change from a private to a statutory health insurance is possible.
If you start your studies in Germany as a client of a private insurance, you cannot switch to a statutory health insurance anymore for the entire duration of your studies.


Please note that the information provided by the RUBiss Team is not legally binding and is not intended to replace or substitute for information provided by professional experts for each individual topic. We take no responsibility for the quality or completeness of the information.