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Health Insurance

In order to be registered as an exchange student at LMU, you must have adequate health insurance. We strongly recommend that you arrive in Germany with adequate travel insurance. Your travel insurance policy should be valid up to the day of your enrolment at LMU. Please note that travel insurance for the duration of your stay is not enough and will not be accepted at registration.

As an exchange student you are required to obtain a certificate of insurance (Versicherungsbescheinigung) from a German public health insurance provider (gesetzliche Krankenversicherung – e.g. TK, AOK, Barmer, DAK etc.). This certificate is a mandatory requirement for enrolment at LMU. You will be able to obtain this certificate from an insurer near the University. You will find out more about this after you have arrived in Munich.

The gesetzliche Krankenversicherung will assess whether you require compulsory insurance coverage in Germany (versicherungspflichtig). If you have public health insurance at home you can get this insurance coverage approved by a public health insurance provider in Germany (nicht versicherungspflichtig). In rare cases the gesetzliche Krankenversicherung will assess if you are exempt from compulsory insurance coverage (versicherungsfrei).

Further information

Information for:

I. Versicherungspflichtig (compulsory insurance coverage required)

You are

  • under 30 years old
  • not an EU-citizen or a citizen of a country which has a social security agreement with Germany (Bosnia-Herzegovina, Iceland, Lichtenstein, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia, Turkey) and
  • you have a letter of acceptance for Erasmus or exchange students

Then you are versicherungspflichtig.

What does that imply?

The law stipulates that you take out compulsory insurance cover with a public health insurance provider in Germany at least for the duration of your study period.

The tariff for students is approx. 80 € per month.

II. Nicht versicherungspflichtig (your home public health insurance is approved in Germany)

You are

  • over 30 years old

  • an EU-citizen and in possession of a EHIC (European Health Insurance Card)

  • an EU-citizen and are in possession of an official alternative certificate (e.g. E104 or At11) or a citizen of a country which has a social security agreement with Germany (Bosnia-Herzegovina, Iceland, Lichtenstein, Macedonia, Montenegro, Norway, Switzerland, Serbia, Tunisia, Turkey) and

  • you have a letter of acceptance for Erasmus or exchange students 

Then you are nicht versicherungspflichtig.

What does that imply?

The law stipulates that you continue to have public health insurance at home for the duration of your study period at LMU. You will obtain the insurance certificate (Versicherungsbescheinigung) from the gesetzliche Krankenkasse but do not have to take out insurance cover in Germany.

III. Versicherungsfrei (exempt from compulsory insurance coverage)

You do not fit any of the categories above (versicherungspflichtig or nicht versicherungspflichtig)? 

Please contact the gesetzliche Krankenkasse to discuss your particular case.

Please note:

You should take your EHIC or health insurance card (Gesundheitskarte) with you to every doctor’s appointment. Generally the doctor will bill the health insurance provider directly by way of one of those cards. Students who are insured with a German public health insurance provider (versicherungspflichtig) should cancel their insurance policy before leaving. In order to cancel your insurance you will need to prove to your public health insurance provider in Germany by means of a certificate of ex-matriculation that you are no longer a student at LMU. To get this certificate you will have to go personally to the "Studentenkanzlei" of LMU.

Accident, Personal and Third party Liability Insurance

We recommend that you have accident, personal and third party liability insurance for the duration of your stay in Germany. This we most strongly recommend, particularly if you are going to be working in a laboratory.

Responsible for content: International Office


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