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Health Insurance

In order to be registered as a student, you must have adequate health insurance. Depending on your country of origin there are different regulations.

You should take your EHIC or health insurance chipcard with you to every doctor’s appointment. The doctor will bill the health insurance provider directly. Students with German health insurance should cancel this before leaving. In order to cancel your insurance you will need to send proof of ex-matriculation to your health insurance provider in Germany. To get this certificate you will have to go personally to the “Studentenkanzlei” of LMU.

Further information

Information for:

  • Students from countries of the European Union (EU)
  • Students originating from non-EU countries with which Germany has a social insurance treaty (Iceland, former Yugoslavian states, Norway, Switzerland and Turkey)
  • Students from all other non-EU countries who are insured in their country of origin
  • Students from all other non-EU countries who are not insured in their country of origin
  • Students over 30

I. Students from countries of the European Union (EU)

  • You can obtain a European health insurance card (EHIC) from the relevant health authority in your home country.
  • After arrival in Germany present this card to a German state health insurance provider (e.g.TK, AOK, BEK, DAK etc.).
  • The German state health insurance provider will issue documentation confirming that you have health insurance cover in your home country.
  • Please bring this document with you to enrollment at the International Office.

II. Students originating from non-EU countries with which Germany has a social insurance treaty (Iceland, former Yugoslavian states, Norway, Switzerland and Turkey)

  • Please present confirmation of health insurance in your home country (Anspruchsbescheinigung) to a German state health insurance provider (e.g. TK, AOK, BEK, DAK etc.).
  • The German State insurance provider will then issue a document called “Bescheinigung zur Vorlage bei der Hochschule”, if your insurance status is sufficient.
  • Please bring this document with you to enrollment at the International Office.
  • If the health insurance provider decides that your insurance cover is not adequate, you will need German health insurance cover. See IV for more information.

III. Students from all other non-EU countries who are insured in their country of origin

  • A German state health insurance provider must verify if your home insurance policy is sufficient.
  • If your insurance cover is sufficient, the German state health insurance provider will issue a document called “Bescheinigung zur Vorlage bei der Hochschule”.
  • Please bring this document with you to enrollment at the International Office.
  • If the health insurance provider decides that your insurance cover is not adequate you will need German health insurance cover. See IV for more information.

IV. Students from all other non-EU countries who are not insured in their country of origin

  • You will require a German insurance (e.g. TK, AOK, BEK, DAK etc.).
  • Costs: for students currently approx. 80€ per month.
  • The German state health insurance provider will issue a document called “Bescheinigung zur Vorlage bei der Hochschule”.
  • Please bring this document with you to enrollment at the International Office.
  • Only for the short period between your arrival in Germany and enrollment at LMU is travel health insurance from your home country sufficient. For enrollment you require proof of insurance with a German health insurance provider.

Students over 30

Students over 30 years of age are exempt from the mandatory health insurance. We do, however, strongly recommend that you take out adequate health insurance cover. Failure to do so will result in unforeseen costs in the case of illness. Students over 30 are normally no longer eligible for the cheaper students’ rate. State and private health insurance providers offer different rates. The student services organization “Studentenwerk” recommends insurance for international students.


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