Insuran­ces

All stu­dents from Ger­ma­ny and ab­road must pro­ve that they have health insuran­ce when they en­roll. We can­not en­roll you wi­t­hout pro­of of health insuran­ce.

In Ger­ma­ny the­re are two ty­pes of health insuran­ce: sta­tuto­ry or pu­blic and pri­va­te. Af­ter the 30th bir­th­day or the 14th se­mes­ter of stu­dy, they can no lon­ger insu­re them­sel­ves in the fa­vor­able stu­dent rate of the pu­blic health insuran­ce. For them the step re­mains to chan­ge to pri­va­te health insuran­ce or to insu­re them­sel­ves vol­un­ta­ri­ly with a pu­blic health insuran­ce.

The cer­ti­fi­ca­te of the health insuran­ce com­pa­ny must show the insuran­ce num­ber and, if avail­ab­le, the com­pa­ny num­ber of the health insuran­ce com­pa­ny.

If the­re is a pri­va­te insuran­ce, then a cer­ti­fi­ca­te of ex­emp­ti­on from the "sta­tuto­ry insuran­ce ob­li­ga­ti­on" must be pre­sen­ted. This cer­ti­fi­ca­te can be is­sued by any sta­tuto­ry health insuran­ce com­pa­ny.

Stu­dents who do not ful­fill their ob­li­ga­ti­ons ac­cord­ing to the So­ci­al Se­cu­ri­ty Code towards the re­spon­si­ble health insuran­ce com­pa­ny and the­re­fo­re no lon­ger have insuran­ce co­verage are to be ex­matri­cu­la­ted.

EU ci­ti­zens

As an EU ci­ti­zen, have the Eu­ropean Health Insuran­ce Card (EHIC) is­sued to you if you have exis­ting insuran­ce co­verage. The insuran­ce card is suf­fi­ci­ent for your stu­dy stay and main­ly co­vers emer­gen­cy tre­at­ment in any Ger­man hos­pi­tal. Plea­se ask your health insuran­ce com­pa­ny in your home coun­try whe­ther the insuran­ce co­verage will be suf­fi­ci­ent for Ger­ma­ny.

Non-EU ci­ti­zens

When en­rol­ling at the HfMDK, you will need a Ger­man insuran­ce cer­ti­fi­ca­te. You must take out insuran­ce in Ger­ma­ny with a Ger­man sta­tuto­ry health insuran­ce com­pa­ny.

Stu­dents are pro­tec­ted by the sta­tuto­ry ac­ci­dent insuran­ce du­ring their edu­ca­ti­on and trai­ning at uni­ver­si­ties.

This me­ans that you are also insu­red on the way to and from the place of stu­dy. (See § 8 Abs.2 Nr. 1 - 4 SGB VII).

The ac­ci­dent insuran­ce ap­p­lies to per­sons at­ten­ding cour­ses at a uni­ver­si­ty - i.e. en­rol­led stu­dents - but also guest stu­dents and doc­to­ral stu­dents who have al­rea­dy ta­ken the fi­nal ex­ami­na­ti­on.