{"id":48680,"date":"2020-10-05T09:00:13","date_gmt":"2020-10-05T08:00:13","guid":{"rendered":"https:\/\/vasistdas.de\/almanyada-saglik-sigortasi\/"},"modified":"2025-03-25T13:56:33","modified_gmt":"2025-03-25T12:56:33","slug":"types-of-health-insurances-germany","status":"publish","type":"post","link":"https:\/\/vasistdas.de\/en\/types-of-health-insurances-germany\/","title":{"rendered":"Health insurance types in Germany"},"content":{"rendered":"\n<p>There are two Health insurance types in Germany: <a href=\"https:\/\/vasistdas.de\/en\/public-health-insurance-in-germany\/\">Statutory health insurance (GKV)<\/a>\u00a0and private health insurance (PKV).\u00a0Statutory (or public) health insurance (Gesetzliche Krankenversicherung)\u00a0is accessible to everyone. However, certain conditions apply to <a href=\"https:\/\/vasistdas.de\/private-health-insurance-in-germany-for-expats\/\">private health insurance<\/a> (Private Krankenversicherung). Up to 90 percent of people living in Germany are covered by\u00a0statutory health insurance (GKV).<\/p>\n\n\n\n<p>Under the <a href=\"https:\/\/vasistdas.de\/en\/german-healthcare-system\/\">German healthcare system<\/a>, GKV in Germany is also referred to as public health insurance, statutory health insurance, general health insurance, state-owned health insurance or compulsory health insurance. You might also hear the word in German <em>Krankenkasse<\/em>, which are public health insurance providers such as Barmer, TK or AOK.<\/p>\n\n\n\n<p>In order to ensure that information is standardized and accurate in all areas, Vasistdas uses the term public health insurance for GKV in all its sources.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/vasistdas.de\/en\/types-of-health-insurances-germany\/#Public_health_insurance_in_Germany_GKV\" >Public health insurance in Germany (GKV)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vasistdas.de\/en\/types-of-health-insurances-germany\/#Private_health_insurance_in_Germany_PKV\" >Private health insurance in Germany (PKV)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vasistdas.de\/en\/types-of-health-insurances-germany\/#Health_insurance_for_students\" >Health insurance for students<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-public-health-insurance-in-germany-gkv\"><span class=\"ez-toc-section\" id=\"Public_health_insurance_in_Germany_GKV\"><\/span><strong>Public health insurance in Germany (GKV)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Public health insurance is financed by public, financially and organizationally independent state-owned health insurance funds. The solidarity principle of statutory health insurance guarantees every insured person the benefit of medically necessary statutory health insurance, regardless of income or the amount of premiums paid and regardless of the risk of illness.<\/p>\n\n\n\n<p>The premiums for statutory health insurance are based on the income of the insured person. The calculation of these premiums is based on the gross income of the insured person, with a standard premium of 14.6 percent of this income. The insured and the employer pay this amount together.<\/p>\n\n\n\n<p>In addition, every health insurance scheme requires the employee to pay an additional premium. In statutory health insurance, children and parents can be insured together free of charge through a family insurance scheme. Public insurance is the most common among health insurance types in Germany.<\/p>\n\n\n\n<p><strong>Related article:<\/strong>\u00a0<a href=\"https:\/\/vasistdas.de\/en\/public-health-insurance-in-germany\/\"><strong>Statutory health insurance in Germany (GKV)<\/strong><\/a><\/p>\n\n\n<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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validation_below'><div id=\"field_28_17\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_28_17'>Comments<\/label><div class='ginput_container'><input name='input_17' id='input_28_17' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_28_17'>This field is for validation purposes and should be left unchanged.<\/div><\/div><div id=\"field_28_1\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class='ginput_container ginput_container_text'><input name='input_1' id='input_28_1' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_28_12\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-quarter gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><table align=\"center\" border=\"0\" cellpadding=\"1\" cellspacing=\"1\" style=\"height:100%; width:100%\">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td style=\"text-align:center\"><img decoding=\"async\" alt=\"\" src=\"https:\/\/vasistdas.de\/wp-content\/uploads\/2022\/07\/barmer-logo.png\" style=\"max-height:84px; width:auto\" \/><\/td>\n\t\t<\/tr>\n\t<\/tbody>\n<\/table><\/div><div id=\"field_28_13\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-three-quarter gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><a href=\"https:\/\/www.barmer.de\" target=\"_blank\" rel=\"nofollow noopener\">Barmer<\/a> is the most digital and innovative public health insurance provider in Germany! Thanks to Vasistdas, you can get English support and have your insurance approved within 48 hours with Barmer (no extra charge just extra speed and empathy)<\/div><div id=\"field_28_14\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_28_14'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_14' id='input_28_14' type='text' value='' class='large'    placeholder='Name' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_28_15\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_28_15'>Surname<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_15' id='input_28_15' type='text' value='' class='large'    placeholder='Surname' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_28_5\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_28_5'>Mobile number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_5' id='input_28_5' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_28_4\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_28_4'>E-mail address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_4' id='input_28_4' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><fieldset id=\"field_28_10\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Terms and conditions<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_28_10'><div class='gchoice gchoice_28_10_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_10.1' type='checkbox'  value='In order to receive an insurance quote from Barmer through Vasistdas, I agree that Vasistdas and Barmer will receive and store my contact details.'  id='choice_28_10_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_28_10_1' id='label_28_10_1' class='gform-field-label gform-field-label--type-inline'>In order to receive an insurance quote from Barmer through Vasistdas, I agree that Vasistdas and Barmer will receive and store my contact details.<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_28_16\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield--width-full field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Subscription to Vasistdas E-newsletter under the EU General Data Protection Regulation (GDPR)<\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_28_16'><div class='gchoice gchoice_28_16_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_16.1' type='checkbox'  value='I would like to subscribe to the newsletter and receive news, events and offers about Germany.'  id='choice_28_16_1'   aria-describedby=\"gfield_description_28_16\"\/>\n\t\t\t\t\t\t\t\t<label for='choice_28_16_1' id='label_28_16_1' class='gform-field-label gform-field-label--type-inline'>I would like to subscribe to the newsletter and receive news, events and offers about Germany.<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><div class='gfield_description' id='gfield_description_28_16'>As part of our <a href=\"https:\/\/vasistdas.de\/en\/privacy-policy\/\">Privacy Policy<\/a>, we will only send you newsletters that are useful to you, we don't like spam either. You can unsubscribe at any time with the unsubscribe link at the bottom of any newsletter you receive from us.<\/div><\/fieldset><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_28' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> <input type='hidden' name='gform_ajax' value='form_id=28&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=fab0a7963a2cda16936bfb9b5e8af0fc' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_28' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_28' id='gform_theme_28' value='orbital' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_28' id='gform_style_settings_28' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_28' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='28' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='EUR' value='+eOAKeYNTKC0kgROB0zgvshrXJnZCfNfrRk08BpzBTosKSJ3xWAWekrzH8St++F7mFyi1LdX1nP8dUjotQ9mhVcdOdgC8E86PtTXynVLokC7kIk=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_28' value='WyJ7XCIxMC4xXCI6XCI5MjgyY2U3YWY2OGQwZWNlM2YxNjBkNTI1NzJjNGVkYVwiLFwiMTYuMVwiOlwiNjNlZTY5YTU2MDMwNDY5YjIyMjkzYjI5MzQ3MmM2ZWRcIn0iLCJmM2Y2NjAwZGI4NmFiM2IzNGU1YTFjNzliMGQzMDc1ZiJd' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_28' id='gform_target_page_number_28' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_28' id='gform_source_page_number_28' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_28' id='gform_ajax_frame_28' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 28, 'https:\/\/vasistdas.de\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery('#gform_ajax_frame_28').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_28');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_28').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_28').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_28').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_28').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_28').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_28').val();gformInitSpinner( 28, 'https:\/\/vasistdas.de\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery(document).trigger('gform_page_loaded', [28, current_page]);window['gf_submitting_28'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_28').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_28').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [28]);window['gf_submitting_28'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_28').text());}else{jQuery('#gform_28').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"28\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_28\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_28\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_28\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 28, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-private-health-insurance-in-germany-pkv\"><span class=\"ez-toc-section\" id=\"Private_health_insurance_in_Germany_PKV\"><\/span><strong>Private health insurance in Germany (PKV<\/strong>)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In Germany, not every person can be a member of private health insurance. Only employees whose gross income exceeds the compulsory insurance limit&nbsp;<strong>(2025: \u20ac73,800 per year)<\/strong>&nbsp;can be covered by private health insurance. In Germany, servants, civil servants and self-employed workers and business owners whose gross income exceeds the compulsory insurance limit can usually be covered by private health insurance.<\/p>\n\n\n\n<p>When applying for private health insurance, the person concerned will be asked detailed questions about his or her state of health, sometimes accompanied by a medical certificate from the family doctor and dentist.<\/p>\n\n\n\n<p>Unlike statutory health insurance, the premiums for private health insurance are based on the health status, age and scope of services provided, regardless of income. The premiums are determined individually for each insured person.<\/p>\n\n\n\n<p>The range of services\/payments offered by private health insurance is not subject to statutory regulations and is much more comprehensive than statutory health insurance. In addition, the services\/payments can be individually tailored to the insured person.<\/p>\n\n\n\n<p>The insured person first pays for all treatment and medication costs. The insurance company reimburses the insured person upon presentation of an invoice.<\/p>\n\n\n\n<p>In general,\u00a0<strong>with public health insurance,<\/strong>\u00a0you can receive free health care abroad\u00a0<strong>only in emergencies<\/strong>, but with private insurance, you can receive care at even the most advanced health institutions worldwide as part of your insurance.<\/p>\n\n\n\n<p>So how can you buy health insurance? If you have recently moved to Germany, it will be very difficult to know and compare insurance companies and policy details, especially if you do not speak German.<\/p>\n\n\n\n                <div class='gf_browser_gecko gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital wpforms-form_wrapper' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_27' ><style>#gform_wrapper_27[data-form-index=\"0\"].gform-theme,[data-parent-form=\"27_0\"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 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128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}<\/style><div id='gf_27' class='gform_anchor' tabindex='-1'><\/div>\n                        <div class='gform_heading'>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_27' id='gform_27' class='wpforms-form' action='\/en\/wp-json\/wp\/v2\/posts\/48680#gf_27' data-formid='27' novalidate>\t\t\t\t\t<div style=\"display: none !important;\" class=\"akismet-fields-container gf_invisible\" data-prefix=\"ak_\">\n\t\t\t\t\t\t<label>&#916;<textarea name=\"ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label>\n\t\t\t\t\t\t<input type=\"hidden\" id=\"ak_js_2\" name=\"ak_js\" value=\"143\" \/>\n\t\t\t\t\t\t<script>\ndocument.getElementById( \"ak_js_2\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n\n\t\t\t\t\t<\/div>\n                        <div class='gform-body gform_body'><div id='gform_fields_27' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_27_16\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_16'>Company<\/label><div class='ginput_container'><input name='input_16' id='input_27_16' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_27_16'>This field is for validation purposes and should be left unchanged.<\/div><\/div><div id=\"field_27_1\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class='ginput_container ginput_container_text'><input name='input_1' id='input_27_1' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_27_14\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-third gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><table align=\"center\" border=\"0\" cellpadding=\"1\" cellspacing=\"1\" style=\"height:100%; width:100%\">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td style=\"text-align:center\"><img decoding=\"async\" alt=\"\" src=\"https:\/\/vasistdas.de\/wp-content\/uploads\/2022\/02\/Allianz_transparent_logo.png\" style=\"max-height:84px; width:auto\" \/><\/td>\n\t\t<\/tr>\n\t<\/tbody>\n<\/table><\/div><div id=\"field_27_15\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-two-thirds gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Fill out the form to get your insurance offer from Allianz Germany. You will be able to <strong>speak in English<\/strong>. Don&#39;t forget to request an <strong>additional insurance discount of up to 10% for Vasistdas<\/strong>.<\/div><div id=\"field_27_12\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_12'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_12' id='input_27_12' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_27_13\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_13'>Surname<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_13' id='input_27_13' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_27_5\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_5'>Mobile number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_5' id='input_27_5' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\" aria-describedby=\"gfield_description_27_5\"  \/><\/div><div class='gfield_description' id='gfield_description_27_5'><p><span style=\"font-size: 13px; margin: 0; padding: 0;\">Enter your mobile phone number, preferably your WhatsApp number, <span style=\"text-decoration: underline;\">including the country code<\/span>. For example, +4915112345678 for Germany or +905351234567 for Turkey.<\/span><\/p><\/div><\/div><div id=\"field_27_4\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_4'>E-mail address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_4' id='input_27_4' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><fieldset id=\"field_27_10\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Terms and conditions<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_27_10'><div class='gchoice gchoice_27_10_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_10.1' type='checkbox'  value='For the free insurance offer, I authorize Vasistdas and the insurance company to process and store my data and to contact me regarding the insurance offer.'  id='choice_27_10_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_27_10_1' id='label_27_10_1' class='gform-field-label gform-field-label--type-inline'>For the free insurance offer, I authorize Vasistdas and the insurance company to process and store my data and to contact me regarding the insurance offer.<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_27' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> <input type='hidden' name='gform_ajax' value='form_id=27&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=d64d39ec940c157233ea19ebe25de776' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_27' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_27' id='gform_theme_27' value='orbital' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_27' id='gform_style_settings_27' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_27' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='27' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='EUR' value='vn4uWL+SYkkL5UKkqJQtqf3vwEvTmkdShWIaTrIx1032zCa2DQ4moekbPA4WpPqObM2URQGm03kb5fOYEPJ3VjVlsaUSqJ996z2iRoIB5ljdw1E=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_27' value='WyJ7XCIxMC4xXCI6XCIyMmViYTRjNTVjZGYwYjY3Mjk0Y2JiYzYyOTlhODBiYlwifSIsIjdjNjJhN2ZlODZjMzgxMWU5N2RhOWFkMzNjODlmYmJmIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_27' id='gform_target_page_number_27' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_27' id='gform_source_page_number_27' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_27' id='gform_ajax_frame_27' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 27, 'https:\/\/vasistdas.de\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery('#gform_ajax_frame_27').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_27');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_27').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_27').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_27').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_27').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_27').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_27').val();gformInitSpinner( 27, 'https:\/\/vasistdas.de\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery(document).trigger('gform_page_loaded', [27, current_page]);window['gf_submitting_27'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_27').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_27').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [27]);window['gf_submitting_27'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_27').text());}else{jQuery('#gform_27').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"27\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_27\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_27\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_27\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 27, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-health-insurance-for-students\"><span class=\"ez-toc-section\" id=\"Health_insurance_for_students\"><\/span><strong>Health insurance for students<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>All foreign students, including students coming from countries outside of European Union, who start their studies at a university or graduate\u00a0school in Germany <a href=\"https:\/\/www.make-it-in-germany.com\/en\/living-in-germany\/money-insurance\/health-insurance\" rel=\"nofollow noopener\" target=\"_blank\">must take out<\/a> health insurance. Students cannot be enrolled without proof of health insurance.<\/p>\n\n\n\n<p>Students over 30 years of age or students who have completed their 14th semester of study are not eligible for public health insurance in Germany; they must take out private health insurance. This rule also applies to students attending\u00a0language courses\u00a0in Germany to prepare them for higher education.<\/p>\n\n\n\n<p><strong>Related article:<\/strong>&nbsp;<a href=\"https:\/\/vasistdas.de\/en\/student-health-insurance-in-germany\/\">Student health insurance in Germany<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are two Health insurance types in Germany: Statutory health insurance (GKV)\u00a0and private health insurance (PKV).\u00a0Statutory (or public) health insurance (Gesetzliche Krankenversicherung)\u00a0is accessible to everyone. However, certain conditions apply to private health insurance (Private Krankenversicherung). Up to 90 percent of people living in Germany are covered by\u00a0statutory health insurance (GKV). Under the German healthcare system, &#8230; <a title=\"Health insurance types in Germany\" class=\"read-more\" href=\"https:\/\/vasistdas.de\/en\/types-of-health-insurances-germany\/\" aria-label=\"Read more about Health insurance types in Germany\">Read more<\/a><\/p>\n","protected":false},"author":47,"featured_media":42312,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1026,440],"tags":[559,558,1028,1025,1000,989],"class_list":["post-48680","post","type-post","status-publish","format-standard","has-post-thumbnail","category-insurances-in-germany","category-almanya-sigorta-yazilarimiz","tag-almanyaya-alismak","tag-almanyaya-yeni-gelenler","tag-almanyaya-alismak-en","tag-almanyaya-yeni-gelenler-en","tag-english-en","tag-english"],"_links":{"self":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/posts\/48680","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/users\/47"}],"replies":[{"embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/comments?post=48680"}],"version-history":[{"count":0,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/posts\/48680\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/media\/42312"}],"wp:attachment":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/media?parent=48680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/categories?post=48680"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/tags?post=48680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}