Applying for Health Insurance in Germany

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°°°°°° Email Translation and suggestion from fellow viewers in the description°°°°°°
a) Email 1:
In principle, it must be ensured that all our products are travel health insurance. This means they are valid for foreigners in Germany or for Germans abroad. Furthermore, it is important to know that students under 30 years of age in Germany must either insure themselves by means of a statutory health insurance or have to be released from the obligation to insure themselves in order to be able to be insured privately. Students over 30 years or PhD students do not need such exemption and can insure themselves directly with us. Further information can also be found in the following link: www.mawista.com/krankenversic....
We do not have an insurance card. The customer receives with the contract documents a treatment certificate which replaces the insurance card. Since it is a private health insurance the student receives the invoice himself after a medical treatment. He then has the possibility to pay the invoice first or he sends the unpaid invoice to the insurer, receives the refund and then pays the doctor. Invoices can be submitted here not only by post, but also by e-mail or via our website.
Persons in Germany can be insured for up to 5 years through travel health insurance. For our MAWISTA Student product you can be insured for 48 months in a contract and then conclude a new contract for another 12 months in another tariff. There are 3 tariffs in the product MAWISTA Student, which are available: MAWISTA Student Classic, Student Classic Plus and Student Comfort.
In the MAWISTA Science product, a contract can be concluded for up to 60 months. This product is also suitable for students. You can compare the rates here: www.mawista.com/auslandskrank...
b) Email 2:
Please note that it is dependent on the physician, whether it is issuing an invoice with a due date or the payment in advance. As a rule, however, the invoice is paid directly on the spot. For hospital admission, the insurer must be contacted by the emergency number +49 (0) 89 6 24 24 - 496, so that the payment can be settled directly with the hospital. In the event of an appointment agreement, the medical helpers can be enlightened about the situation and ask how the payment is carried out in practice. Regarding point 4, the following explanation is given: The reimbursement is always made directly to the customer. This means that as soon as the invoice is available (whether paid or unpaid does not matter), this is submitted to the insurer. After checking you will be refunded within 2 weeks to your own account. If the invoice has not been paid to the doctor in advance, payment must be made to the physician at the latest after receipt of the reimbursement.
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-Suggestions from Subscribers!
1). Joy (Adding the comment made the description too long. That's why I will just add it in the comments section)
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Опубликовано:

21 июл 2024

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Комментарии : 56

@BharatinGermany 7 лет назад

Comment from Joy: Hi Bharat, I have some info that may help you . 1. Students below 30 cannot opt for private insurance and they have to go for public ones like AOK and TK and those above 30 cannot opt for public ones! 2. Once you start your studies you cannot switch from a public one to a private insurance or vice versa . The entire tenure of your studies you have to remain in either the public one or the private (whatever you had chosen when you started your sturdiest but you can switch between companies.) - I learnt it the hard way and I have confirmed from AOK! 3. Important: They have changed some rules in Dec'2016 so some of the affordable krankenversicherung that most students opt for like Mawista ,Care concept etc are not accepted by the Ausländerbehörde anymore. And it has been implemented here in Nürnberg and has created a lot of chaos!!Some of my fellow students are stuck in this sticky situation since Dec!My student advisor told me that many other cities will also implement that soon. I also have an Letter from Ausländerbehörde , Nürnberg that states that they are no longer accepting Mawista . So I personally went and asked at the Ausländerbehörde and they told me that only insurances that are mentioned in the BaFin website are accepted. portal.mvp.bafin.de/database/InstInfo/sucheForm.do?RAP=1e94caad%3A15add010aac%3A-1053 If I get any confirmation on the latest developments or if they change their stand about Mawista or Care concept I will let you know.

@JG-lv1wq 7 лет назад

Tom Hi, have you tried selecting "Krankenversicherer " in the kategorie ? It should show 46 companies that are registered. Else I do have the list I can email it if you want .

@jaye1006 6 лет назад

This comment is misleading. You only need BaFin approved insurance if you are applying for a residence permit of 36 months or longer. For most student resident permits, where only a short-term residence of up to 36 months is planned, and no employment or only one of minor relevance shall be taken up, a health insurance coverage which meets the minimum requirements pursuant to the EU Council decision of 22nd December 2003 (2004/17/EC) will suffice in this case. It must meet the following criteria: a) The insurance covers all expenses for urgent medical attention and, if need be, repatriation for medical reasons. b) The insurance is valid throughout the entire period of the person’s stay in Germany (if need be, including an unauthorised residence). c) The insurance is valid throughout the territories of all Schengen States. d) The insurance provides a minimum coverage of 30,000 €.

@dewert2 6 лет назад

Your first point doesnt really make any sense. You are essentially saying students below 30 can only use public insurance and students above 30 cannot use public ones. 1. Students below 30 cannot opt for private insurance and they have to go for public ones like AOK and TK and those above 30 cannot opt for public ones!

@a.b.1103 7 лет назад

As a german and former student, I can give you the following recommendations: Before signing up, give the company of your choice a call and ask, if you have to pay the doctor beforhand or if they do it or if they send you the money first and how quick they are. This way, you will also find out if their staff speaks decent english. With some companies, you can even snap a picture of the bill and send it to them first thing. They still need the written document, but this way, they allready file the information and move faster. Hospital bills and other large bills should always either be paid directly by the insurer or the money should be forwarded to you before you have to pay. And yes, you need to think of stuff like that. If you plan on staying longer, it also pays to take a rainy day and compare student's insurance plans: While all companies have to fulfill german legal requirements thus providing a good and comprehensive coverage, some plans come with extras for the same price such as burnout prevention, online groups, single or double room occupancy in hospitals, even natural remedies for the esotherically minded ;) etc. (student plans usually at the moment are around 73 € per month, give or take). Good comparisons are also done by several papers including Stiftung Warentest and Focus Money. The documents you need to sign up are usually your passport and the universities' confirmation of enrollment. BUT: In order to enroll, you need to have health insurance (in germany, insurance is mandatory). Therefore, taking out the 1-month plan for travellers before you come to germany is a very good suggestion by Bharat. You can also do all the research allready online, call the company of your choice up, fill in the forms online and mail them a notarized copy of your universites' letter of acceptance and passport. Con: It usually costs money to notarize documents and international post is slow. Pro: You are all set. My recommendation: Do your research early, but finalize stuff once you are here. If you have questions, I will try to help you out, but I am only a user, not a professional.

@santhoshsiva9684 6 лет назад

Hello Brother, Thank you for summarising. I have one question, could you help? I admitted to TH Koln, Gummersbach. And my enrollment deadline is March 29th, for successful enrollment they need Health Insurance Certificate. The problem is I will be reaching Germany only by last week of April. Could it be possible to take an Public insurance from India?

@danieldenomandenza 2 года назад

@@santhoshsiva9684 Hi , Could you update what happened since?

@kdtech6062 Год назад

Please I will like to know if I need to pay 24 months health insurance for two years masters before I can have a visa or I can pay for one month first

@froopi2 Год назад

Which insurance company would you recommend for a grad student?

@honeybee588 6 лет назад

Can you tell me, how much the private insurance cover for medicines or doctors fee?

@asmaa7984 4 года назад

If i go for private insurance, am i able to change back to public one if i want to ?

@farhadaghayev1733 Год назад

Thank you for video! How many days does it take to get "Meldegrund 10" from insurance company to the university?

@srinivs2175 5 лет назад

Hi, getting private insurance during my study and later can I change any other public insurance? Is it possible.. Mawista s private insurance right?

@user-sg1mi7bu4t 4 года назад

Can I apply AIG insurance at my country that covers abroad?

@YASIFALAVI 4 года назад

Which address should we input in the online application for health insurance with Mawista/ Should we fill our indian passport address or the student accommodation address . Kindly advice/

@balaramdonta8396 6 лет назад

Hey Bharat, Is Coracle.de is approved at German Consulate in India?

@milanlakhani8622 7 лет назад

Hi Bharat, I want to know about Indian health insurances valid in Germany (if any)

@raghavgoyal9035 7 лет назад

I'm in 10th class and confused either to go to germany in 11th or after 12th.Please help

@CRZ_love Год назад

Is mawista insurance valid for stay back period for students

@desconocidosiempre5553 4 года назад

Hello, you say students who are 30 or older could get MAWISTA, which is a PRIVATE HEALTH INSURANCE. But so much people complain about the PRIVATE health insurance companies. They say one you choose PRIVATE HEALTH INSURANCE IT IS IMPOSSIBLE TO CHANGE TO PUBLIC HEALTH INSURANCE. It seems you have MAWISTA as your health insurance provider. How are you dealing with the fact that as you get older you will need public health insurance but you will no be able to change from PRIVATE TO PUBLIC. How are you going to deal with this?

@ultron6346 5 лет назад

Plz tell me what did it cost per month in average

@zazo6620 2 года назад

Most privet companies don’t cover pre existing conditions...... do anyone know a company that do cover pre existing conditions?

@lekgya 6 лет назад

thank you, it is helpful.

@santhoshguna295 5 лет назад

Hallo Bharat, Kudos on the Video! Ich habe ein Frage, next month is my visa appointment for Germany Job Seeker visa. So should I buy both Travel insurance and Health Insurance and take those documents for the Germany Job Seeker Visa appointment or Just Travel insurance is enough for now ? and later I can take the Health insurance once I land in Germany ? An early reply would be appreciated man. Thanks for your help in Advance.

@ishan1400 7 лет назад

doing a nyc job man

@shyamsundar672 7 лет назад

I'll be coming to germany soon for my Masters Degree in TU Bergakademie Freiberg. As I am a PG student Can I get my health insurance from Mawista?? Or should i get it from a satuatory insurance company?? please do reply bro..

@PorifersAnims 7 лет назад

Hello Bharat, Is it possible to get an insurance (from AOK, for example) outside of Europe? And how do I get insurance if it requires the university enrollment (even though I need insurance to apply for uni, lol)?

@samythiyagarajan9353 7 лет назад

yes. you can apply online at www.coracle.de/health-student

@NIKET1984 3 года назад

I am 36 years old I want to do mba so how much amount I will have to pay for health insurance

@singhruchi3375 Год назад

Please make a vedio how to fill the insurance form step by step

@hirmaysandesara3506 7 лет назад

hey Bharat what if you have completed your masters and then you want to opt for PhD is this possible in same University and to renew your visa and health insurance and is mawista private or public?? PS thanks for the help

@BharatinGermany 7 лет назад

Yes Hirmay. You can get admission to PhD after your Masters in the same university. Mawista is a private health insurance and is valid for people who are older than 30.

@hirmaysandesara3506 7 лет назад

Bharat in Germany! thanks Bharat appreciate your support and keep on the good work!!!

@srikrishnaedara6519 7 лет назад

bro,please zoom at the points you are describing in a mail,website.its very difficult to see what's written when we seen your vedios on RU-vid app on smartphone.use magnifier app for zoom

@BharatinGermany 7 лет назад

Srikrishna Eedara I will take care of it from the next time, Srikrishna.

@srikrishnaedara6519 7 лет назад

Bharat in Germany! ,😁

@sayee9109 3 года назад

I have just arrived in Germany. And I need to activate my TK health insurance, what is the process and what documents do I need to carry to the office? Do I need to take any appointment?

@dlpaluku 2 года назад

Did you use the Expatrio value package to get your TK insurance ?

@1984rajeshkumar 7 лет назад

hi bharat, I am from india, a software engineer. Looking for an job in Germany. I want to settle there. Can you share some tips how to get job there. I have limited German language..

@mokshedkaushik5192 7 лет назад

Hi Bharat! I am most surprised to hear that nobody complete masters in just 2 years and they take extra semesters to complete it. How much is this true? How will i be able to afford the expenses?

@BharatinGermany 7 лет назад

Yes, nobody completes it in 2 years. It always take 1 or 2 semesters more which is completely normal in Germany. You can ask any Masters student here. He will tell you the same.

@mokshedkaushik5192 7 лет назад

So how do you manage expenses? How is the culture for part time jobs among students?

@JG-lv1wq 7 лет назад

Hey thanks :) yeah the comment was long . I am sorry about that I just wanted to inform you about the situation. :)

@BharatinGermany 7 лет назад

No no. I am really glad that you wrote and I still forgot to comment. I will do it right away! Thanks for your inputs! They are always very helpful! :)

@JG-lv1wq 7 лет назад

Bharat in Germany! :) I am glad to help but I am still stuck in this situation. The Aüslander office here in Nürnberg rejected my health insurance for the 3rd time ! I am looking for an affordable option for pvk.

@ishan1400 7 лет назад

Hi Bharat, you mentioned in your video that you dont know anyone who can complete its masters in two years. I am a bit scared now. Can you give me some details on it? One more thing i would like to ask you is that after Masters, how is it about getting a good job in germany?

@BharatinGermany 7 лет назад

It's very normal in Germany. I guess, I will do a video about it soon too because it's a complete change of culture, education system and mindset. People take longer than 2 years because they need to get good grades in the Masters and if once, you cleared an exam, you are not allowed to retake it to make the grades better. That's why students take lesser exams with better grades (you can decide how any exams you want to give each semester too.)

@ishan1400 7 лет назад

Bharat in Germany! . thanks a lot for quick reply.. i means a lot.. please do a video on this topic asap.. and tell some tips on how to improve german language.. also try to add an video on doing job after ms in germany.. how and when shall we start applying.. i must say you are doing a great job Bharat.. today i watched almost all your videos.. its awesome..