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Scholarship Funded or Private Funding
You finance your research work at the HU with a scholarship, private funding or financing from your home university?
Scholars who are not employed in Germany and who were not previously insured in a statutory health insurance in Germany or Europe will generally only be able to obtain private health insurance.
There is a variety of private health insurances and the costs and services of private health insurance vary greatly. Please note that very cheap tariffs often do not provide sufficient cover. For example, your health insurance must be accepted as equivalent to a German statutory health insurance before you can enrol as a student or apply for a residence permit. In order to be accepted, it must cover the full cost of medical treatment in the event of acute illness or accidents in Germany. It must not exclude any services such as childbirth, and it must not be limited to a maximum amount.
Therefore you should always check which services the relevant health insurance covers.
We have compiled a range of private health insurance schemes below. Often you will find services specifically tailored to international scholars.
Please be aware that:
- Most health insurance providers offer different types of tariffs. Make sure you choose a suitable tariff for your stay.
- Often the tariffs differ in terms of whether you can co-insure your family members with a less expensive tariff.
- Many tariffs have a maximum period of insurance or to some extent they cannot be extended. Please make sure your chosen tariff coincides with your plans.
- Many tariffs can only be concluded before (!) your entry or within the first weeks after your arrival.
Insurance providers and tariffs
The list below is divided into providers and tariffs suitable for short-term stays (up to one year) which often calculate their fees on daily rates and providers and tariffs for longer stays with a monthly fee.
(Travel) health insurances for short-term stays
Tariff: Care Visa Protect
Target group: foreign guests and visitors entering the EU with a visa for up to 92 days
Services: travel health insurance, optional accident or personal liability insurance
Please note: daily insurance premium, contract has to be concluded before entry, insurance cover is valid from the date of entry
Duration of contract: 1 to 92 days
Phone: +49 228 977350
Tariff: “ausländische Gäste bis zu 1 Jahr“ (foreign guests for up to 1 year)
Target group: foreign guests residing temporarily in Germany
Services: health insurance, optional travel accident insurance or personal liability insurance
Please note: daily insurance premium, conclusion of contract is possible within 31 days after entry, the insurance cover is valid from the date of entry
Duration of contract: 1 day up to 1 year
Phone: +49 40 41191919
Tariff: Short Term Travel
Target group: scholarship holders, visiting scholars
Services: health insurance
Please note: daily insurance premium, conclusion of contract is possible after entry
Duration of contract: 1 day to 3 month
Phone: +49 4152 839404
Tariff: Mawista Visum
Target group: foreign visitors or guests, business travellers, tourists
Services: health insurance and personal liability insurance
Pease note: one-off payment for entire period of insurance, conclusion of contract is possible before entry or up to one month after, insurance coverage is valid from the date of entry for the agreed duration
Duration of contract: 8 up to 183 days
Phone: +49 7024 469510
Tariff: PROVISIT-VISUM
Target group: foreign visitors, temporary private or business related stay in Germany
Services: travel health insurance, optional combination of travel health insurance, personal liability insurance and accident insurance
Please note: daily insurance premium, children can be insured too, contract should be concluded before journey, however, conclusion is possible until 10 days after entry, insurance cover is valid from the agreed start date
Duration of contract: 1 day up to 6 month
Phone: + 49 2247 9194982
Health insurances for longer stays
Tariff: Care College (Basic, Comfort or Premium)
Target group: international doctoral candidates or scholarship holders for the purpose of education and training until the age of 35 at start of insurance contract
Services: health insurance, optional accident insurance and personal liability insurance
Please note: monthly insurance premium, full insurance coverage starts 31 days after concluding the contract (except for accidents), insurance certificate is suitable for visa applications
Duration of contract: 1 month to 2 years
Phone: +49 228 977350
Tariff: Number 762, 780, 781 or 790
Target group: students sponsored by the DAAD, graduates and doctoral candidates from Europe and overseas or international scholarship holders of partner organisations of the DAAD, e.g. Alexander von Humboldt Foundation
Services: combined health insurance, accident insurance and personal liability insurance
Please note: monthly insurance premium, family members can be co-insured in some cases,
Duration of contract: corresponds to the duration of the scholarship
Phone: + 49 228 882400 or +49 228 8828644
Tariff: S, L or XL
Target group: foreign students or visiting scholars
Services: health insurance, optional accident insurance, personal liability insurance and insurance for potential expulsion costs
Please note: monthly insurance premium, children can be insured too, contract should be concluded before entry or up to one month after entry/start of occupation, insurance coverage is valid from the agreed start date
Duration of contract: 1 month to 4 years
Phone: +49 2247 9194986
Tariff: foreign guests up to 5 years
Target group: foreign guests for more extended stays in Germany
Services: health insurance, optional travel accident insurance or travel liability insurance
Please note: monthly insurance premium, conclusion of contract is possible within 31 days after entry, insurance coverage is valid from the date of entry
Duration of contract: 1 month up to 5 years
Phone: +49 40 41191919
Tariff: insurance for foreign visiting scholars in Germany
Target group: research fellows and laureates of Alexander von Humboldt Foundation
Services: health insurance, optional accident insurance and personal liability insurance
Please note: monthly insurance premium, family members can be co-insured, conclusion of contract is possible within 31 days after entry
Duration of contract: max. 5 years
Phone: +49 221 205411 4
Tariff: International Science Health Care Plan
Target group: international scholarship holders or visiting scholars
Services: health insurance
Please note: monthly insurance premium, in case of extended stays, family members can be co-insured, conclusion of contract is possible after entry
Duration of contract: 1 month up to 4 years
Phone: +49 4152 839404
Tariff: Mawista Science or Mawista Employee
Target group: depending on the tariff foreign students, scholarship holders and visiting scholars or international employees
Services: health insurance, optional personal liability insurance and luggage insurance
Please note: monthly insurance premium, family members can be co-insured in some cases, conclusion of contract before entry will take immediate effect, conclusion after entry will be subject to a waiting time of 14 days
Duration of contract: 1 month up to 5 years
Phone: +49 7024 469510
(group insurance of Deutsches Studentenwerk/DSW)
Tariff: Basis or Optimal
Target group: foreign doctoral candidates until the age of 45
Services: health insurance
Please note: monthly insurance premium, family members can be co-insured, conclusion of contract is possible before entry or up to 30 days after entry
Duration of contract: 1 month up to 5 years
Phone: +49 5231 6036390