Is health insurance compulsory for me in Germany, and what would public or private cover cost?
Yes, health insurance is compulsory for Indian students in Germany, and you need cover before enrolling and getting your visa. Public insurance typically costs around EUR 130 to 150 a month, while private plans start at around EUR 33 and go up to EUR 139. Check current premiums.
Health insurance is compulsory for Indian students in Germany, and you must have suitable cover before you register at the university and get your visa. It also forms a significant part of your annual study cost. The right type depends mainly on your age and your course.
Public vs Private Health Insurance
| Criteria | Public insurance | Private insurance |
|---|---|---|
| Eligibility | Students under 30 enrolled in bachelor's or master's degree programs | Language course students, Studienkolleg attendees, or those aged 30 or above |
| Coverage | Doctor visits, hospitalization, emergency care, mental health services | Varies by plan |
| Monthly premium | Around EUR 130 to 150 (approx INR 13,866 to 15,999) | Starts at around EUR 33 and goes up to EUR 139 (approx INR 3,520 to 14,826) |
| Annual cost | EUR 1,560 to 1,800 (approx INR 1.66 to 1.92 L) | EUR 396 to 1,668 (approx INR 42,237 to 1.78 L) |
How to Choose
If you are under 30 and studying for an accredited degree, public insurance is typically cheaper and gives full coverage. If you do not fit that group, choose a private provider that is recognised by the visa office and your university. Premiums are approximate and the INR amounts move with exchange rates.
My Advice
Check with your university and the visa office which type of cover they accept before you buy. Then compare the premium and coverage on the official provider page for your 2027 or 2028 intake.
How much will a month in Germany cost you?
Rent, food and travel. A real monthly budget, city by city.
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