Health Insurance – A Must for Enrollment

To study in Germany and enroll at KU, you are required to have valid health insurance. Please take care of this as early as possible, as the process may take some time. In general, there are two options:

Option 1: Your current health insurance is accepted

If you come from a country that has a social security agreement with Germany (e.g., EU member states with an EHIC), your current health insurance may be recognized in Germany.
However, you are still required to obtain an official confirmation from a statutory German health insurance provider (such as AOK, TK, or DAK).

Please note: Private travel insurance policies (e.g., through credit cards or short-term providers) are not automatically accepted and may prevent you from switching to statutory insurance later on.

Option 2: You take out German health insurance

If your current insurance is not recognized in Germany, you must sign up for German health insurance.
For students under the age of 30, statutory (public) health insurance is the standard and most reliable option.

- Monthly contribution: approx. €145 (as of 2025)
- Valid until you turn 30 or reach your 14th semester (whichever comes first)

You are free to choose your provider. Public providers such as AOK Bayern are present in Eichstätt and Ingolstadt and offer personal consultation in English.

Statutory insurance generally covers:
- Doctor visits
- Medications
- Hospital treatment

Important: Private insurance and blocked account providers

Some blocked account providers offer a combined “student insurance” – however, these policies are not always recognized in Germany.
This applies especially to policies with limited coverage. For example, MAWISTA Student is not accepted by German statutory insurance providers.

As a rule of thumb:
If a policy limits coverage by amount, duration, or type of treatment, it is likely not compliant with German law and not valid for university enrollment.

Our recommendation

Please seek advice from us or a statutory health insurance provider before you sign any private insurance contract. This ensures your insurance meets the legal requirements and is accepted for enrollment.

Advice and Contact 
If you have questions about health insurance, we are happy to help:
incoming(at)ku.de

Link tip
Information portal on health and healthcare in Germany