Do I need to pay for health insurance as a student in Germany?
Yes, health insurance is legally mandatory for every student in Germany; you cannot enroll or get a visa without it. Public insurance costs about 141 euros monthly under 23 and 146 euros for ages 23 to 29, while EU students and DAAD scholars often qualify for exemptions.
Yes, you must have health insurance before you can enroll at a German university or receive your student visa, so budget for it from day one. Most students under 30 opt for Statutory Public Health Insurance (GKV), which is the most affordable and comprehensive route for you. Your exact premium depends on your age and whether you qualify for an exemption.
Monthly Health Insurance Costs by Age
| Your Age | Insurance Type | Approx. Monthly Cost |
|---|---|---|
| Under 23 | Public (GKV) | €141 (about Rs. 14,100) |
| 23 to 29 | Public (GKV) | €146 (about Rs. 14,600) |
| 30 and above | Public or Private | €190 to €200+, or Private from €35 |
Who Can Skip Buying German Insurance
- EU/EEA students with a valid EHIC can register an exemption instead of buying new coverage.
- Students from countries with social security agreements, such as Turkey or Switzerland, may use qualifying home insurance.
- Some DAAD scholarship recipients get comprehensive insurance bundled into their funding.
- Everyone else applies through a provider like TK, AOK, Expatrio, or Fintiba and receives an M10 certificate to send to their university.
My Advice
Sort your insurance before you touch your blocked account or visa paperwork, since your M10 certificate unlocks enrollment. If you are under 30 and not covered by an exemption, lock in public GKV coverage through a student-friendly bundle like Expatrio or Fintiba so it lines up with your Sperrkonto setup in one go.
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