Health insurance for researchers

If you have a contract of employment which is subject to social insurance, you can or must be insured under the statutory health insurance scheme (depending on the amount of your salary). You are welcome to contact the Human Resources Department if you have any questions about this.

There are many different providers and you can choose which one you would like to be insured with. The only important thing is that you actively register yourself and do not wait for the automatic registration.

There may also be the possibility of statutory health insurance cover if you currently are or ever have been a member of a European statutory health insurance scheme. Please contact us for more information.

If you are financing your stay in Germany yourself or through a scholarship, you will probably have to take out private health insurance (possible exception: if you are or were a member of a European statutory health insurance scheme).

Some scholarship providers offer health insurance for their scholarship holders. If that is not the case for you, you need to inform yourself about a suitable insurance.

There are great differences in the offers. Some private health insurances are rather cheap and cover less, others are more expensive and cover more. Please compare different providers and offers and decide what suits you best. For more information, please feel free to contact us.

There are insurance policies that are specifically for international academics and students; these can be used for up to five years. In addition, there are private full insurance plans.

If you have a contract of employment and your income exceeds the compulsory insurance limit (as of 2023: €66,600 per year), you can choose whether you want to be insured by a statutory or private insurance. In this case, however, you would have to choose a private full insurance. In such a case, please be sure to inform yourself about the consequences of the respective decision.