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Health insurance

It is mandatory to have a health insurance policy in order to be enrolled at Bielefeld University and you should check whether the health insurance in your home country is sufficient.

  • Students from EU countries (EEC + EEA)

    If you have a statutory health insurance in your home country, you only need to present your European Health Insurance Card at a German health insurance agency. A form will be issued which confirms that your insurance is sufficient to be enrolled.
  • Students from countries who have entered a social security agreement with Germany (e.g. Switzerland, Turkey)

    If you have a statutory health insurance in your home country, please inquire at your health insurance provider to get form E-111, AT 11, ATN11 or BH6. This form can be presented at a German health insurance agency and a form will be issued which confirms that your insurance is sufficient to be enrolled.
  • Students who have a private health insurance

    You need to provide a written confirmation of your health insurance provider (either in German or English) that

    •  you have a health insurance
    •  it is valid in Germany
    •  it provides you with sufficient insurance coverage.
    •  a regular travel health insurance cannot be accepted!

    You have to take this written confirmation to one of the statutory health insurance providers in Germany. They will then issue a written exemption from compulsory insurance (called a "Befreiung") and you will need to show this to enroll at the university. If you have a private health insurance, you will have to pay for any necessary health treatment yourself and then claim the money back from the health insurance provider in your home country.

    Please note that your health insurance might only reimburse the costs according to common treatment rates in your home country. In that case, if the treatment is more expensive in Germany, you will have to pay the difference yourself.
  • For students who need an insurance in Germany

    You can get a statutory or a private health insurance. If you are younger than 30 and/or if you have not studied for longer than 14 semesters (7 years), a statutory health insurance for students will cost around 80 € at all health insurance companies. Private health insurance is usually more expensive and you have to pay costs in advance, which can be very expensive.
    Please note: As soon as you have taken out private health insurance in Germany, you will not be allowed to change to a statutory health insurance.
  • For students who are 30 years or older, students who are beyond the 14th semester (7 years) and for PhD students

    You are no longer entitled to a reduced student insurance rate from the statutory health insurance companies, so you should compare various companies and then decide which insurance company is best for you.
    For more information please click here.

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