Health insurance

 

1. Health insurance

Everyone who studies in Germany must have health insurance. Compulsory health insurance applies. When enrolling for studies and applying for a residence permit, you must present proof of your health insurance, or proof of Exemption from compulsory insurance (see 1.2).

1.1. European Health Insurance Card (EHIC)

Clipart of the European Health Insurance CardSocial security agreements are in place with the member states of the European Union and the European Economic Area. Among other things, these are intended to ensure that health insurance from a student's home country is valid in Germany.

If applicable, please get the European Health Insurance Card (EHIC) from your public health insurance company.

International students with an EHIC must still go through a registration procedure with a statutory health insurance of their choice in Germany. To do so, contact a statutory health insurance company in Germany and send the following data and documents:

  • Copy of your registration from TUBAF
  • TUBAF dispatch number: "H0000669"
  • Name, first name, date of birth, address (in Germany or home address)
  • Copy of your passport or residence permit
  • Copy of your EHIC

For the registration procedure, you can contact a local statutory health insurance company in Freiberg: Techniker Krankenkasse – Poststraße 11, AOK – Korngasse 14, Barmer – Bahnhofstraße 8, IKK – Mühlweg 5.

Please note: You cannot be enrolled until you have contacted a statutory health insurance company and they have confirmed to the TUBAF Admissions Office that you have sufficient insurance cover.

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1.2. Exemption from compulsory health insurance

If the health insurance from your home country (except EHIC, see above) is not sufficient to study in Germany or if you take out private health insurance, you additionally have to apply for a confirmation of exemption from compulsory insurance in the public health insurance scheme (in German Bestätigung über die Befreiung von der Versicherungspflicht in der gesetzlichen Krankenversicherung).

If you are under 30 years old and would like to be exempted from compulsory health insurance, please contact a statutory health insurance company with the following data/documents:

  • Notice of admission from TUBAF
  • TUBAF dispatch number: "H0000669"
  • Copy of your passport or residence permit
  • Form "Exemption from compulsory health insurance" (see below)
  • Contract documents of a sufficient private health insurance (a pure travel health insurance is usually not sufficient)

You can obtain the form "Exemption from compulsory health insurance", for example, at the branches of public health insurance companies in Freiberg (e.g. Techniker Krankenkasse – address Poststraße 11, AOK – address Korngasse 14, Barmer – Address Bahnhofstraße 8, IKK – address Mühlweg 5.

Important note

If you apply for an exemption from compulsory insurance in the public health insurance, you cannot change back to a public health insurance for the duration of your entire studies. Also family insurance through a public health insurance is then no longer possible.

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1.3. Costs of the public health insurance

The cost of a public health insurance is about 110 euros per month. Students who have completed their 30th year of study have to pay about 190 Euro per month.

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1.4. Public vs. private health insurance

You can take out health insurance with either a public or a private provider.
For students under 30 years of age, we recommend that you take out a public health insurance policy . Reasons that speak for is are:

  • With a public health insurance, you do not have to pay in advance for the costs of a visit to a doctor or hospital. With a private one, you must first pay the bill yourself and apply to the insurance company for reimbursement.
  • The  provided comprehensive insurance covers cases like pregnancy, patient transport and preventive dental treatments
  • Family insurance: Under certain conditions, public health insurance offers the possibility that your spouse and all biological children are automatically covered ("family insurance"). These family members do not have to take out their own insurance.

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1.5. Submitting proof of health insurance

The admissions office requires proof of health insurance from you. If you are insured with a public health insurance company, do the following:

Instruct your health insurance company to inform the university. To do this, send your name, your insurance number and the university's sender number  ("Absendernummer") "H0000669" to your contact person at the health insurance company. An electronic notification to the Admissions Office will be made and you do not need to submit any further documents.

If you are insured with a private health insurance company, you will need an "Exemption from compulsory insurance in the statutory health insurance scheme" (see above).

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1.6. Becoming 30 years while having public health insurance

From the age of 30 years, the membership fee in a public health insurance increases to at least 190 euros per month. In this case, the health insurance can be cancelled within 14 days.

It is not possible to take out a new public health insurance policy after the age of 30 (for example, if you come to Germany to study for the first time and you are 30). However, it is possible to continue an already existing public health insurance when reaching the age of 30.

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1.7. DeGiS Chatbot

The DeGiS chatbot helps you plan a study visit to Germany. This includes the following topics: Blocked account, health insurance (statutory / private), travel health insurance.
The online tool takes the following personal situations into account: Age, country of origin (EU / non-EU), employment contract situation, length of stay, family situation / accompanying spouse.
DeGiS stands for "Deutsche Gesellschaft internationaler Studierender" – "German Society of International Students".

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1.8. Combined offers: Health insurance and blocked account in one package

Expatrio, Fintiba and Coracle are providers of a combination of a blocked bank account for a visa application, travel health insurance as well as health insurance during studies in Germany. It can already be completed in the home country.

further information and links to providers: Website of the Federal Foreign Office

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1.9. Related links

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2. Accident Insurance

As a member of the TU BAF, you are insured for accidents by the "Unfallkasse Sachsen" (Municipal Accident Insurance Federation of Saxony).The insurance cover applies if the accident occurred in connection with your studies and when you are on the way to or from the university campus. Additional insurance coverage is available at private insurance companies.

Also international trainees at the TU BAF are usually automatically accident insured by the Unfallkasse Sachsen. It is important that a trainee is always properly instructed by his or her supervisor at the workplace (e.g. in the handling of test rigs and measuring instruments) and that his or her task is clearly defined.

Further information (available only in German): https://tu-freiberg.de/studium/rund-ums-studium/formalia/versicherungsschutz#unfallversicherung

 

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3. Liability insurance

We recommend that you take out a liability insurance policy valid for Germany. If you cause damage, then this is usually paid for by the insurance company.

TU Bergakademie Freiberg does not have a liability insurance for its members. It must therefore be taken out privately.

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