Health insurance
Germany has excellent health insurance. Students have access to health insurance through reduced fees.
For enrollment at a German university, it is mandatory to present an insurance certificate from a German statutory health insurance company. Without this proof of health insurance, which can also be used for your visa (see below), you cannot be enrolled at Technische Hochschule Mannheim. A list of all statutory German health insurance companies can be found here.
In most cases, EU citizens have an EHIC (European Health Insurance Card) and do not have to take out additional health insurance in Germany. You only have to present the EHIC to a German statutory health insurance company and an insurance certificate will be issued.
Students from Turkey should request a copy of the relevant document (this has other names) from their insurer and send it to a German statutory health insurance company. If you have sufficient provisions, you will be released and receive an insurance certificate. Alternatively, you can also insure yourself with a German statutory health insurance company.
If you do not have EU citizenship and
- If you do not have health insurance, you must take out German statutory health insurance. You are free to choose the insurer and the services of all providers are the same. These services are regulated by law.
- You have insurance coverage that every doctor/hospital here understands and accepts,
- You have very comprehensive coverage at no extra cost,
- You don't have to pay in advance, and
- You have insurance that the immigration authorities accept without reservation when you apply for your residence permit.
If you have valid health insurance in your home country for your stay abroad, you can be exempted from the obligation to take out additional insurance. A representative of a statutory health insurance company decides whether all the requirements for an exemption are met. For example, if you have travel or other health insurance with a cap or expiration date, it will not usually be accepted. Only insurance with no upper limit or end date can be accepted and the German health insurance company will advise you. However, we strongly advise exchange students from countries outside the European Union to take out additional statutory health insurance in Germany, even if your health insurance can be accepted from home.
The advantages are:
A German statutory health insurance costs about 140 Euros per month for students under 30 years of age.
Other insurance
- Do not forget to purchase sufficient travel insurance for your journey to Germany.
- As an exchange student, you need to observe any additional insurance requirements that might appear in the respective agreement between your home institution and Technische Hochschule Mannheim.
- Degree-seeking students are highly encouraged to purchase third-party liability insurance as well as accident insurance (including repatriation in case of severe illness or death).