In Germany, all students must have health insurance, i.e. you must have proof of sufficient insurance in order to be able to enrol at a German university. It is important that you go about obtaining this proof of medical coverage well before your arrival at TUM approaches. It is not sufficient to present proof of insurance from your home country (e.g. insurance card or insurance policy; see point 2) and travel insurances are not accepted.
Which document of health insurance do I need for enrollment
1. Students originating from countries in the European Union (EU)/EWR nations
- Please send the International Health Insurance Certification (former E111 or E128) or a copy of the EHIC-Card to one of the social state insurers (e.g. AOK, Techniker Krankenkasse, Barmer, DAK, etc.) in Germany, sometimes together with a form (e.g. for AOK this form: AOK).
- The insurer will check your confirmation.
- If all is fine and accepted for enrollment at the university, they will send you a confirmation of release ("Versicherungsbescheinigung").
- Please forward this confirmation to the emailadress you can find in your TUM admission letter.
Doctors will directly charge insurers for treatment expenses.
2. Students originating from countries outside the EU, who are insured in their home country
- and with which Germany has a social insurance treaty (former Yugoslavian states, Switzerland, Turkey, Tunisia) must also present a certificate of of their health insurance to one of the social state insurers in Germany.
- All other students who are insured in their home country can be released from the German health insurance requirement. NOTE: Not all international insurances can be accepted for enrollment, so please check this with one of the German national insurance companies in advance! This release from the insurance requirement cannot be withdrawn and is valid for the entire time of study. We would discourage you from this release since most other countries do not have the same insurance coverage as Germany. For the application a certified translation of the insurance policy from your home country must be presented to one of the national health insurance providers at your place of study or residence. Students released from the insurance requirement are not insured in Germany and must then pay all medical bills themselves. Students must arrange in advance for reimbursement of these potentially high medical costs from their home health insurer. In addition, the Foreigner`s Registration Authority will required German health insurance, and this is seldom the case. Otherwise your visa may not be issued. For more information about possible disadvantages contact one of the national health insurance providers.
In both cases please send a copy of your own insurance to one of the social state insurers (e.g. AOK, Techniker Krankenkasse, Barmer, DAK, etc.) in Germany. The insurer will check your confirmation. If all is fine and accepted for enrollment at the university (what cannot be judged by TUM International Center) , they will send you a confirmation of release ("Versicherungsbescheinigung"). Please forward this confirmation to the emailadress you can find in your TUM admission letter.
3. Students who are not insured in their home country, obtain German insurance through a health insurer of their choice. Forms can be found on the websites of the German insurers, so that a confirmation about a German insurance to study at an university ("Versicherungsbescheinigung") can be send to the emailadress you can find in your TUM admission letter in advance. Costs: Student rates are currently about € 78-82.
All national health insurance providers have the same monthly rates, but it is worthwhile to compare the services and payment options offered by different companies.
Students above (and including) the age of 30 and those who have studied in Germany for more than 13 semesters (Bachelor and Master studies of the same field of studies are counted together) are exempt from the health insurane requirement. However, all international students must have medical insurance coverage, i.e. they must purchase insurance from a private insurance company. There a special arrangements for various EU-Nations. If having questions please contact one of the German national insurance companies.
Addresses of health insurance companies
Addresses of various insurance companies can be found in the Munich Yellow Pages ("Gelbe Seiten"). You are free to choose the company you prefer.
A range of national health insurance providers, who offer TUM students a personal student advisor, are listed below:
AOK München (here you can find information in different languages and English websites. Additionally, you can find here a leaflet for EU students and one for non-EU students - this is only avaiable in English)
Landsbergerstr. 150-152, 80339 München, Room A015
Contact: Mr. Sascha Kenarkoohi (email@example.com), Phone: 089-5444-2875; Fax: 089-5444-11601971
Wippenhauserstr. 6, 85354 Freising
Contact: Ms. Christa Moldovi (Christa-Juliana.Moldovi@by.aok.de), Tel.: 08161-182-234 and Ms. Mandy Lerchner (Mandy.Lerchner@by.aok.de ), Tel.: 08161-182-231
Consultation hours: Tuesday and Thursday 12:00-13:00 in der Mensa building in Weihenstephan
Techniker Krankenkasse (TK) München
Elisenstr. 3, 80335 München
Contact in München:
Ms. Stefanie Behnke (firstname.lastname@example.org ), phone: 089-49069-710, consultation hours on appointment.
Contact in Garching:
Mr. Andreas Werhahn (email@example.com), phone: 089-49069-817, consultation hours every Tuesday and Thursday at TUM Garching, Lichtenbergstr. 4 (in the foyer of “Mensa“) from 10:30 - 14:00 (metro station U6 Garching-Forschungszentrum) and on appointment.
Contact in München, Garching:
Mr. Dietmar Vollath (firstname.lastname@example.org)
Ottostraße 3-5, 80333 München
Phone: 0800/333004207239 (calls from the German fixed and mobile network are free of charge) or +49/89/992493839
Contact in Freising:
Mr. Marc Müller (email@example.com)
Obere Hauptstraße 48-50, 85354 Freising
Phone: 0800 333004 207539 (calls from the German fixed and mobile network are free of charge) or international: 0049 8161 9847639
Fax: 0800 333004 207549
General information and explanations regarding health insurances in Germany: