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Insurance

Insurance provides you with the assurance that the costs of medical care do not have to be paid privately in the event of an accident or illness. It is mandatory to have health insurance in most of the EU countries for students. International students may have to present proof of travel insurance while applying for the visa.

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Travel Insurance

EU countries make travel health insurance as a mandatory document to submit a visa application. You can buy it in your home country, the details of which are available on this link. Travel health insurance covers your medical expenses until you get local health insurance. It is advisable to buy it for a future period – the date and month in which you plan to fly after visa approval. The validity of the insurance plan should be for a minimum of one month and preferably for three months.

Health Insurance

In the EU, every country has its requirements concerning health insurance for foreign students, but it is mandatory for most countries. Check details for your planned country. Moreover, healthcare is quite expensive in these countries – it makes sense to be financially prepared by taking health insurance and have peace of mind while you focus on studies.

There are two avenues for health insurance in EU countries – Public & Private  

 

       

   Public Health Insurance: Public health insurance is highly recommended as it is available at subsidized rates and offers several other benefits. For example, this is the statutory health insurance plan available for international students under the age of 30 enrolled in a degree program at a German university. You can buy insurance from AOK or TKK in Germany. A point to remember here. If you choose private insurance on day one in Germany, you can switch to public insurance. However, if you switch to private insurance from public insurance, you will not be allowed to buy the latter anymore. If you plan to study in France, the national health insurance plan coverage for foreign students depends on age, country of origin and duration of the degree program. You have to avail it through the French Social Security office.

            Private Health Insurance: You always have an option to take private health insurance if you can afford it. When a medical situation arises, you first need to foot the bill from your pocket and later send it to the private health insurer for the claim. The eligibility may vary from one country to another. For example, international students above 30 years of age or enrolled in language, preparatory and PhD courses have to opt for private health insurance in Germany. Some of the private insurance companies you can consider are MAWISTA, Allianz, DAAD, Fintiba, DKK and PKK in Germany and Bupa Global, AXA PPP International, Globality Health and Cigna Global in France.

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