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 with a social security agreement (e.g. EU member state with EHIC), your health insurance can be recognized in Germany.
For this, you must request an official confirmation from a German statutory health insurance provider (e.g. AOK, TK, DAK, Barmer). Exchange students do this automatically as part of their Mobility Online workflow.
Your EHIC must be valid for the entire semester you plan to study. Example: If you will study at KU in the winter semester, your EHIC must be valid until at least March 31 of the following year.
Please note: Private travel or credit card insurances are not automatically recognized and may prevent you from later switching to a German statutory health insurance.
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.
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