Health Insurance

German Health Insurance Made Easy.

just 3 simple steps

- Keep Calm

Make Informed Decision

Public Health Insurance

  • For full time students younger than 30
  • Offers Extensive Medical coverage
  • Cashless doctor visits
  • Existing medical conditions are always covered
  • Regulated by German Government
  • Spouse and children (German residents) can be covered without additional payment

Private Health Insurance

  • For Full time students older than 30
  • For Language Students, Studienkolleg, Job Seekers
  • Range of coverage depends on the Premium
  • Upfront payment for treatments
  • Existing medical conditions are not always covered.
  • Not possible to change to a public insurance till end of study

Student Public Health Insurances

You are free to choose. We are Coracle.

Monthly Premium

Student age from 23 upto 30 without children

Other Students upto 30 years

  • Fundamental coverage as regulated by Govt
  • 24/7 Medical hotline
  • Online booking for Doctor appointment
  • Health Bonus Programm
    for students customer type
  • Branches all over Germany
    (at AOK in responsible region)
  • Support to get Doctor appointment / for
    selecting hospital
  • Live-Chat for Coverage -/ Medical Questions
    days per week
  • Vaccination for private travel
  • Special Treatment for Chronical Asthma and Chronical Diabetes mellitus Type I
  • Customer Contact
  • Processing time during German working hours
TK Techniker Krankenkasse Insurance Germany

110,69 €

108,81 €

  • 100%
  • accpeted Blocked account
  • accpeted Blocked account
  • 30 EUR cash
    if you meet 4 of 6 criteria i
  • 179
  • accepted Blocked account/accpeted Blocked account
  • 5 / 5
  • TK Accepted
  • TK accepted
  • Customer Support Team
  • same day
Barmer germany health insurance

112,95 €

111,07 €

  • 100%
  • Barmer Accepted
  • Barmer Accepted
  • 100 EUR cash
    if you meet 4 of 7 criteria i
  • 391
  • Barmer Accepted/Barmer Accepted
  • 5 / 6
  • accepted Blocked account
  • accepted Blocked account
  • Dedicated Contact Person
  • same day
AOK insurance germany


  • 100%
  • Accepted AOK
  • Accepted AOK
  • 0 EUR cash - 225 EUR cash
    if you meet ? criteria
  • 6 - 250
  • Accepted AOK/ Accepted AOK
  • ? / ?
  • Accepted AOK
  • Accepted AOK
  • Dedicated Customer Person - Customer Support Team
  • 24h
This comparison is not exhaustive. For general overview only.
There are about 100 Public Health Insurances besides AOK, BARMER, TK available in Germany. If you need one of those please contact us.



NO.The travel insurance or any other type of insurances taken outside European Union is not accepted for enrollment at the university. All non-EU students (age <30) must take German Public Health Insurance to enroll at the university

YES. All the existing medical problems will be covered by Public Health Insurance.

NO. You start to pay only after your arrival i.e. after semester start. The first premium will be booked on 15th of the following month of your arrival.

YES. Insurance is independent of university or the city. It is valid all over Germany. This is valid even if you move to a different city later for internship or thesis.

a. Registering now ensures smooth enrollment process. Insurance confirmation will be sent by email, which is needed for enrollment.

b. Insurance card will be ready by the time you reach Germany. You must have insurance card if you have to visit a doctor. Make use of the time now. Besides there is no real benefit why one should wait till arrival in Germany.

As public insurances are regulated by German government all the insurance companies must provide proper health coverage. Therefore, there are no big differences or Best insurance company.