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.
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.
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.
You need to provide a written confirmation of your health insurance provider
(either in German or English) that
(a) you have a health insurance
(b) it is valid in Germany
(c) it provides you with sufficient insurance coverage.
A common travel health insurance will not 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.
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.
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.
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