- Exchange students from EU countries (or from other countries with which Germany has a health insurance agreement): can maintain the health insurance from their home country by bringing a European Health Insurance Card (EHIC) or an E 128 / E 111 form to our University. It is essential that the Insurance Card is valid for the entire study period. You are required to upload a copy of your EHIC when you apply at Hof University.
- Exchange students from Non-EU countries: are required to either take out a health insurance by a German state health insurance Provider (statuory health insurance) or prove sufficient health insurance for abroad which covers the entire study period. In case a sufficient health insurance from the home country is available, you are required to upload a confirmation (in English or German) from the insurance company about the insurance status when you apply at Hof University. Please note that translations need to be certified! In case the existing health insurance is not covering the study abroad, an additional insurance has to be taken out.
Health insurance has to be taken out before your arrival in Hof and you are legally required to have a valid health insurance for the entire time of your studies as it is a mandatory pre-requisite for enrollment at Hof University. We will NOT register you at our university without a valid health insurance.
- Degree-seeking Non-EU students (except from Bosnia and Herzegovina, Iceland, Liechtenstein, Macedonia, Montenegro, Norway, Serbia, Switzerland, Tunisia, and Turkey) under the age of 30 years have to take out a public German health insurance. We will NOT accept any foreign health insurance (e.g. Bajaj Allianz and other travel insurances). There are different health insurance providers available and you are free in choosing any of the statutory health insurance providers in Germany and take out special insurance for students (for companies please see below).
- Degree-seeking Non-EU students (except from Bosnia and Herzegovina, Iceland, Liechtenstein, Macedonia, Montenegro, Norway, Serbia, Switzerland, Tunisia, and Turkey) older than 30 years have to sign a private German health insurance contract for the first two semester at least. Terms and conditions of German private health insurance providers vary. Low-priced insurances usually only cover basic service and it is possible that in case of an emergency the costs of treatment will not be covered. Therefore, please inform yourself about the different options available, for instance here: https://www.krankenkassenzentrale.de/liste/private-krankenversicherungen #.If you have a private health insurance, you have to submit a certificate issued by a German public health insurance provider confirming that you are not required to have public health insurance (= exemption from mandatory statutory health insurance). We will assist you in receiving this certification during the orientation period. The exemption from mandatory statutory health insurance is valid for the whole duration of your studies and is irrevocable. It is not possible to switch to statutory health insurance again.
- Degree-seeking EU-students and students from Bosnia and Herzegovina, Iceland, Liechtenstein, Macedonia, Montenegro, Norway, Serbia, Switzerland, Tunisia, and Turkey:
- If you have an EHIC (European Health Insurance Card) or can obtain one from your public health insurance provider in your home country, you are entitled to health insurance services in Germany under European or international law. You do not necessarily have to take out German health insurance. However, you need a confirmation of your insurance cover from a German statutory health insurance provider. We will assist you in receiving this certification during the orientation period.
- If you do not have an EHIC card yet but have a public health insurance in your home country, you can obtain one from a German statutory health insurance provider by applying for an exemption. For this purpose, you need to show proof of your health insurance in your home country with the following forms that you can receive from your home insurance: BH 6 (Bosnia and Herzegovina), D/RM 111 (Macedonia), DE/MNE 111 (Montenegro), DE 111 SRB (Serbia), A/TN 11 (Tunisia) und A/T 11 (Turkey). We will assist you in receiving your EHIC during the orientation period.
You can take out your insurance while still being based in your home country by contacting the companies directly via their websites. After completing the contract, you will receive an insurance certificate, which you have to submit to the University for enrollment. Please upload a copy of your health insurance in the PRIMUSS application portal by the deadline sent to you by the Welcome Center.
Further information for all students:
The statutory health insurance offered by different providers has standard price slabs (about €90 per month) and it is highly subsidized by the state especially for the students to ease their financial burden.
You can find a list of all statutory health insurance provider here: https://www.gkv-spitzenverband.de/service/versicherten_service/krankenkassenliste/krankenkassen.jsp?filter=2
Two companies offer weekly or bi-weekly consultation hours at our University: AOK (every other Wednesday from 1 p.m. to 4 p.m.) and TK (every Thursday during the semester from 11:30 p.m. to 3:30 p.m.).
The following statutory health insurance providers have a branch in Hof city: AOK, BARMER Krankenkasse, DAK-Gesundheit, IKK classic.
Student health insurance is valid from the start of semester, i.e. from October 1 or March 1. Therefore, we recommend that you have a travel insurance covering your travel and first weeks in Germany.
Furthermore, we very strongly recommend you to take out a contract for an accident- and liability insurance:
We strongly recommend you take out a liability insurance for the whole duration of your stay in Germany.
All enrolled students are automatically insured against accidents related to their studies.
During practical semesters students are entitled to statutory accident insurance provided by the employer.
Please note: Students are obliged to immediately report accidents of any kind (including those occurring on the way to the university or on the way home) to the Student Affairs Office.
Read more on: http://www.daad.de/deutschland/in-deutschland/regeln/en/8839-health-insurance/