Health and liability insurance
Health insurance
The Federal Ministry of Education and Research provides this document with information for foreign students.
The Federal Ministry of Education and Research provides this document with information for foreign students.
Students enrolled at a state or state-approved university in the Federal Republic of Germany are required to have statutory health insurance. This also applies to students enrolled at universities in Germany who are not usually resident in Germany. The FAU-Website provides more information on this aspect. For further information on health insurance for students, questions or consultation feel free to contact Mr. Andreas Schaller:
Andreas Schaller campus consultant
Mobil +49 151 – 12 65 91 38
Andreas.Schaller@tk.de
https://www.tk.de/kontakt/Andreas.Schaller
Andreas Schaller campus consultant
Mobil +49 151 – 12 65 91 38
Andreas.Schaller@tk.de
https://www.tk.de/kontakt/Andreas.Schaller
Liability insurance
In Germany a lot of people have a lot of insurances. However, there is a big discussion about which ones are really necessary and which ones are not. It is mandatory for everyone to have a health insurance and, in case you own a car, an insurance for damages you cause with your car. All other insurances are voluntary.
As an international student temporarily residing in Germany, most offered insurances are not necessary. The only one which is strongly recommended is a liability insurance (German: “Haftpflichtversicherung”). This insurance pays for each damage which you cause to anything in your private life (if it was not by a car), for example if you accidentally damage someone else’s glasses or any valuable device or object in their apartment. The annual fees for such an insurance range from about 40 to 80 Euros, which makes them relatively affordable.
Often times, your bank institute offers an additional liability insurance when you open your bank account, so it is worth considering this option when you do. There are also dozens of other companies offering liability insurances. By signing the rental contract you undertake to care for the condition of the accommodation, furniture and the keys you were given. In case of losing your apartment or building key but the building has a master key system, you will be held liable for the entire system being changed. This can result in considerable costs. We strongly recommend having a liability insurance for situations as such, as it covers many types of damages to a third party or their property. Please ensure that your liability insurance covers damage by water, the exchange of master key systems and similar things.
In Germany a lot of people have a lot of insurances. However, there is a big discussion about which ones are really necessary and which ones are not. It is mandatory for everyone to have a health insurance and, in case you own a car, an insurance for damages you cause with your car. All other insurances are voluntary.
As an international student temporarily residing in Germany, most offered insurances are not necessary. The only one which is strongly recommended is a liability insurance (German: “Haftpflichtversicherung”). This insurance pays for each damage which you cause to anything in your private life (if it was not by a car), for example if you accidentally damage someone else’s glasses or any valuable device or object in their apartment. The annual fees for such an insurance range from about 40 to 80 Euros, which makes them relatively affordable.
Often times, your bank institute offers an additional liability insurance when you open your bank account, so it is worth considering this option when you do. There are also dozens of other companies offering liability insurances. By signing the rental contract you undertake to care for the condition of the accommodation, furniture and the keys you were given. In case of losing your apartment or building key but the building has a master key system, you will be held liable for the entire system being changed. This can result in considerable costs. We strongly recommend having a liability insurance for situations as such, as it covers many types of damages to a third party or their property. Please ensure that your liability insurance covers damage by water, the exchange of master key systems and similar things.