Health insurance and other insurances

 

1. Health insurance

Everyone who studies in Germany must have health insurance. When you officially enrol at the university, you will be asked to show proof of health insurance coverage.

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.
Tip: If possible, get the European Health Insurance Card (EHIC) from your public health insurance company. This card is accepted by the TU Bergakademie Freiberg as sufficient proof of health insurance.

1.2 Exemption from compulsory insurance

If your home health insurance (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). You can obtain this exemption, for example, at the branches of public health insurance companies in Freiberg (e.g. TK, AOK, Barmer, IKK)

Attention! If you apply for an exemption from compulsory insurance in the public health insurance, you cannot change to the public health insurance for the duration of your entire studies.

If the health insurance that you have taken out in your home country is not considered sufficient, you must take out another health insurance policy.

1.3 Costs of 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.

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: In a public health insurance, your spouse and all children are automatically insured. These family members do not have to pay any additional fees.

1.5 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.

1.6 Private health insurance

A private health insurance is particularly attractive for students from the age of 30 years onwards, as it is then considerably cheaper than a public one.

Tip: The German Student Union (Deutsches Studentenwerk) has concluded a framework agreement with VELA Versicherungsdienst GmbH. For studying in Germany with a degree, we recommend their insurance tariff "Optimal" for 78 euros/month. Further information

1.7 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.

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1.8 Links to relevant websites in English

Clipart Frau isst einen Apfel

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2. Accident Insurance

As a student, you are insured for any accident which occurs in connection with your studies and when you are on the way to or from the university campus. This coverage is provided by the Municipal Accident Insurance Federation of Saxony. Additional insurance coverage is available at private insurance companies.

Also international trainees at TU Bergakademie Freiberg are automatically accident insured. 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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