Private health insurance for students in Germany
Public student insurance (~€135/month) is the cheapest for most students under 30. Private student tariffs make sense in narrow cases.
Public vs. private for students
Public student tariff (under 30)
About €135/month. Comprehensive cover. The default and usually cheapest choice.
Private student tariffs
Some private insurers offer cheap student tariffs (€100–€200). Cheap short-term but locks you into private at a vulnerable life stage.
International student visas
Some non-EU student visas accept specific private 'student tariffs' as proof of cover. Read your visa requirements.
What changes at 30
Public student tariff ends — you move to voluntary public (~€220/month minimum). Private student tariffs typically expire too.
Common questions
Related guides
Two more pages that come up most often when people are at this stage.
Full student guide
Long-form guide on student health insurance.
Learn moreNewcomer essentials
First-90-days insurance guide for international students.
Learn moreFor freelancers
Cover for the self-employed.
Learn moreFor employees
Employer share and switching from public.
Learn moreSalary threshold
The income limit to qualify.
Learn more