As an international student here, you’ll notice that Germans place a lot of value in all manners of insurance. Better safe than sorry is our motto! You really just have to worry about health insurance—and can always get more if you decide to stay long-term. (Although we honestly also strongly recommend personal liability insurance, so you may want to inquire at an insurer in your home country or at a German insurer when you arrive here.)
In order to register at LMU, you must have adequate health insurance.
Germany has a social security agreement with some countries, such as members of the European Union and the European Economic Area, which means that if you have public health insurance at home, you can get this insurance coverage approved by a public health insurance company in Germany. But make sure you clarify at home which documents you will need to take with you! For students this is usually a European health insurance card (EHIC). You will take your EHIC or health insurance chip card with you to your doctor’s appointment. The doctor will then bill the health insurance provider directly.
Please note: EHIC does not guarantee free services. As each country’s healthcare system is different, services covered abroad can vary. Some healthcare providers only cover emergency treatments in Germany and expect you to travel home for all therapies that do not require urgent action. Please check the conditions with your health insurance provider at home and consider becoming a paying member (student rate) of a German public health insurance even if you have an EHIC card.
The good news for those who have to or who want to insure themselves in Germany is that basic medical coverage for students is fairly affordable. The student rate—guaranteed for students under the age of 30 before the end of the fourteenth semester—charged by a public German insurer is currently about €80 a month. This covers doctor visits and prescription medications. Private health insurance is only allowed in exceptional cases. But once you take out private health insurance you cannot revert to public health insurance!
More information on the health system in Germany and health insurance is available on the website of the Studentenwerk München, the Munich Student Union.
I. Students from EU countries, Iceland, Lichtenstein, Norway, and Switzerland
If you are from one of the 28 EU countries or from Iceland, Lichtenstein, Norway, or Switzerland you can obtain a European Health Insurance Card (EHIC) from the relevant health authority in your home country. These cards are issued by your national health insurance provider.
After arrival in Germany, please present this card to a German state health insurance provider. They will give you a document called Bescheinigung zur Vorlage bei der Hochschule stating that you have sufficient health insurance coverage in your home country.
Please bring this document with you to the International Office for your registration at LMU.
Be aware that EHIC does not necessarily cover all costs for medical treatment in Germany (see above)!
II. Students from Non-EU Countries with Social Insurance Treaties with Germany
Students from non-EU countries with which a social insurance agreement exists (please check with your home insurance if your country belongs to this group) must also present a foreign health insurance certification (Anspruchsbescheinigung) to one of the German public health insurance providers and request formal proof (Bescheinigung zur Vorlage bei der Hochschule) that 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 coverage is not adequate, you will need German health insurance. See the Not Insured in Country of Origin section for more information.
III. Students from Other Non-EU Countries, Insured in Country of Origin
A German state health insurance provider must verify if your home insurance policy is sufficient. If your insurance coverage 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 coverage is not adequate, you will need German health insurance coverage. See the Not Insured in Country of Origin section for more information.
IV. Students from Other Non-EU Countries, Not Insured in Country of Origin
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 (registration), you are required to have proof of insurance with a German health insurance provider.
You will need to purchase German insurance. Again, the benefit is that prices are affordable, at approximately €80 per month. The German state health insurance provider will issue a document to you called Bescheinigung zur Vorlage bei der Hochschule. Please bring this document with you to enrollment at the International Office.
Remember to cancel your health insurance with the German provider before returning home. 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 need to visit Studentenkanzlei (in German) on the LMU main campus.
V. 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 coverage. Failure to do so may result in unforeseen costs in the case of illness. State and private health insurance providers offer a variety of rates. The Munich Student Union (Studentenwerk) also recommends insurance for international students and can give you advice on public health insurance providers.