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Students Insurance


(Studenten- versicherung)

One important step of your academic journey in Berlin is having student insurance. This guide, designed for newcomers to universities or Hochschulen, simplifies the process into manageable steps to ensure a smooth transition into university life.

Step 1: Choose the Right Health Insurance

Understanding the basics is paramount. Student insurance in Berlin typically encompasses health and liability coverage. Health insurance is mandatory in Germany, covering medical expenses, while liability insurance safeguards against accidental damage to others.


Step 2: Options for Health Insurance

When it comes to health insurance, newcomers have the option to choose private health insurance based on its affordability and coverage of essential medical services. Under certain circumstances, this option provides different considerations regarding costs and coverage, as required by the minimum of German law. You can use this calculator to determine which insurance will be right for you and how much it will cost.


Step 3: Enroll in Health Insurance

Enrolling in health insurance requires careful attention to detail. Begin by selecting a health insurance provider. Prepare necessary documents such as your passport, university enrollment certificate, and proof of address (Anmeldung) for a seamless enrollment process.


Step 4: Consider Liability Insurance

Liability insurance (Haftpflichtversicherung), though not mandatory, is highly recommended. This coverage protects against unintentional damage to others, providing peace of mind during your academic journey. Consider adding liability coverage as an add-on to health insurance or as a separate policy.


Step 5: Additional Considerations

Addressing additional considerations involves checking whether your university has specific insurance requirements beyond the basics. Explore any special benefits, discounts, or added services that insurance providers may offer to students.


Step 6: Stay Informed and Understand Renewal

As you settle into university life, staying informed about insurance coverage changes and understanding the renewal process is crucial. Keep up-to-date of any modifications to your circumstances and ensure continuous coverage throughout your academic journey.


In conclusion, securing the right student insurance is a vital step in ensuring a successful and healthy academic experience in Berlin. Welcome to the vibrant city, and may your journey be marked by both success and well-being.