Healthcare and health insurance in Germany
Health insurance is mandatory in Germany — you cannot enrol at a university or get your residence permit without it. The good news is that student cover is well organised and reasonably priced. Premiums and age limits change, so confirm the current figures with an insurer before you arrive.
Public statutory insurance (GKV)
Students under roughly 30 typically use public statutory health insurance (the gesetzliche Krankenversicherung, or GKV) at a reduced student rate. As a rough guide this costs around €130–€150 per month, including long-term care contributions. GKV covers doctor visits, hospital treatment and most prescriptions.
Private and incoming cover
Older students, and some others who don't qualify for the student GKV rate, may use private health insurance instead. If you're entering visa-free and applying for your permit after arrival, make sure your cover meets the requirements of the residence permit from the outset.
Registering for cover
You'll usually pick an insurer, get a confirmation of cover, and present it both at enrolment and at the foreigners' office. It's one of the practical steps to handle as soon as you arrive — alongside registering your address.
Official sources: Study in Germany (DAAD), Make it in Germany.