Hochschule Düsseldorf
University of Applied Sciences

​​If you want to be enrolled at a German university, you are required to have a sufficient health insurance.

Please assure yourself that the health insurance from your home country covers possible medical costs while you are in Germany.

Students from non-European countries are exempt from compulsory healt hinsurance, if they can verify that they have health insurance cover for their stay in Germany from their home country. That insurance must also be valid in Germany. In case students from non-European countries do not have a valid health insurance in you home country, they must take out insurance at a German insurance company before your enrolment.

Depending on your home country, you might not even be able to enter Germany without sufficient health insurance and you cannot be enrolled at a university.

Students from a European Union country or from Iceland, Liechtenstein, Norway and Switzerland have sufficient health insurance if they own the European Health Insurance Card (EHIC). These students need to take their insurance card to a German state insurance company after their arrival and request an exemption from the required health insurance in Germany.


 

Choosing health insurance

In Germany, there are two kinds of health insurance: compulsory/public or private insurance.

You must have compulsory public health insurance until you are 30 or until your 14th study semester.            Private health insurance is only allowed in exceptional cases.                                                                              Please note: once you take out private health insurance, you cannot revert to public health insurance!

In most cases, public health insurance is the more reasonably priced version anyway - unless you are covered by your parents' private health insurance.

You can get more advice on health insurance issues from the social help desks at the Studentenwerk or the International Office at HSD.

​Further information

Advice and information on the topic Health insurance from DAAD

1A Verbaucherportal