International Office Pforzheim


incoming students
	admission for international students
	general information
		legal conditions
		equivalence of degrees
		costs
		financial support
		health insurance
		language requirements
		housing
		transfer after arrival
	academic calendar
	study programs
	study programs in English

Impressum

International Forum

Insurances during the study period in Pforzheim

Health insurance	All international students will have to have adequate health insurance for the study period in Germany; that is a health insurance police covering the costs for medical treatments in Germany. The health insurance may differ by age and home country. Health Insurance for students from EU countries (incl. Switzerland) under the age of 30. International students from EU countries (and Switzerland) having adequate health insurance with a public health insurance company in the home country may get the recognition of these health insurance police via a public health insurance company in Germany. For getting the recognition of the health insurance police from the home country students will have to show either a special form (E 128) or a European Health Insurance Card (EHIC); both issued by the insurance company in the home country. In case an international student is member of a private health insurance company he/she will have to prove the health insurance police at a public health insurance company in Germany (normally the AOK). In case the foreign insurance company is accepted the student may get a confirmation on that (Freistellungsbescheid); this confirmation is requested for enrollment at the universiy. In case of having a private health insurance students will have to pay for medical treatments directly to the doctor and get the payment reimbursed by the health insurance company of the home country. Students without sufficient health insurance will have to buy health insurance in Germany; students may choose either a public company or a private health insurance company. Health Insurance for students from other countries than EU under the age of 30. International students from non-EU countries will have to buy health insurance in Germany. Students may choose a public or private health insurance company. Public health insurance companies will accept students under the age of 30 only; also only students with a study time of less than seven years will be accepted at public companies. Students above 30 or studying longer than 7 years International students above the age of 30 or above a study time of seven years will have to buy health insurance from a private heath insurance company. Services and costs The services and costs of health insurance companies (both private and public) may vary. As a more general rule you may find: adequate health insurance will cost about 55 - 70 Euro per month (around 350 Euro per semester). Health insurance companies offering much cheaper rates will normally not cover the relevant costs in case of a medical treatment. The health insurance police is valid from the date of immatriculation (normally also the date of signing the contract). In case an international student will arrive some days/weeks earlier than the immatriculation at the university is he/she may need an additional health insurance for this time slot. Quite often it is possible to buy for this time slot a health insurance police in the home country. Recommendations Because the services and costs for an adequate health insurance are changing frequently (companies will offer all the time new options and packages) it is rather difficult to recommend a company. Over the last years we had positive experiences with the following insurance agency: Insbesondere für Austausch- und Gaststudenten haben wir positive Versicherungsagentur Kern Kreativ Produktion in Solingen,Germany. The Student Services in Germany (Deutsche Studentenwerk) signed in a special framework contract with VICTORIA Versicherungs AG that may consider the special needs of international students. For all international students getting a scholarship the scholarship organization (normally the German Academic Exchange Service DAAD) may offer adequate health insurance via a dedicated company.	Deutsches Studentenwerk DSWhttps://portal. versicherungsdienste. de/dsw-studenten-kv/index.html Kern Versicherungsagentur http://www.kuenstler beratung-kern.de/student.htm
Liability insurance (private)	For getting admission a liability insurance is not required (compared to the health insurance), But we strongly recommend to buy a liability insurance at a private insurance company. The liability insurance covers all kind of damages that someone may have caused. An adequate liabilty insurance covers damages to persons and property (normally up to a total of 3 Mill. Euro), financial loss (up to 50.000 Euro) and damage to rented property. Sometimes an already existing liability insurance police (from thenhome country) will cover also costs related to studying and/or working abroad (students should check this before arrival); but quite often international students may have to buy a liability insurance in Germany. The liability insurance should cover too damages related to working in a company (internship) and should include an accident/casuality insurance. An adequate liability insurance may cost about 10 Euro per month; quite often the min. lenght for a contract is six months.