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  4. Health insurance

Health insurance

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Health insurance

Health insurance: Insurance certificate for enrollment – electronic student notification procedure (SMV)

You can only enroll if you have electronic notification of health insurance status (known as M10)

All students and prospective students must submit proof to FAU of health insurance in Germany before enrollment, regardless of their nationality and the type of insurance they have.

This has taken place electronically between statutory health insurance providers and FAU (Section 199a German Social Security Code V (SGB V)) since January 1, 2022. Notifications on paper and health insurance cards will not be accepted as proof.

Students are generally obliged to have statutory health insurance for the duration of their studies. You can be released from this obligation, for example if you have private health insurance or health insurance from abroad. This is determined exclusively by a German statutory health insurance provider.

Doctoral candidates and guest students only are exempt from this electronic notifications procedure.

Steps to take

If you are insured with a statutory health insurance provider:

Contact your statutory health insurance provider in good time before you enroll at FAU and request electronic transfer of notification M10 about your insurance status.

Include FAU’s reference number (Absendernummer) H0001887. The health insurance provider then sends the notification directly to FAU, which usually takes 3-4 working days.

FAU is not permitted to accept notifications on paper or health insurance cards, this is not sufficient proof of insurance cover.

If you are privately insured:

Contact a statutory (!) health insurance provider in good time before you enroll at FAU and request electronic transfer of notification M10 about your insurance status.

Include FAU’s reference number (Absendernummer) H0001887. The health insurance provider then sends the notification directly to FAU, which usually takes 3-4 working days.

Private health insurance companies do not participate in the electronic notification process.

If you have insurance from abroad:

Please contact a German statutory health insurance provider and request the electronic transfer of notification M10 about your health insurance status in Germany.

Include FAU’s reference number (Absendernummer) H0001887. The health insurance provider then sends the notification directly to FAU, which usually takes 3-4 working days. FAU is not permitted to accept notifications on paper or travel insurance documents, this is not sufficient proof of insurance cover.

If you change statutory health insurance provider or the type of insurance during your studies, you must request a new electronic notification of your insurance status (M11) to be sent to FAU (reference number/Absendernummer H0001887) by your (new) statutory health insurance provider.

The statutory health insurance providers notify FAU if you have not paid your health insurance contributions. If this is the case, you cannot re-register for the following semester until FAU has received confirmation from your statutory health insurance provider that you have paid the contributions that you owe (notification M13).

FAQs

Prospective international students from a member state of the EU or the EEA or a country with a social security agreement with Germany who have health insurance cover in their home country should take a copy of their valid European Health Insurance Card (EHIC ) or their provisional replacement certificate (PRC) and contact one of the statutory health insurance providers in Germany.

Please clarify exactly which documents the health insurance provider requires before leaving your home country. If your health insurance from your home country is recognized by the statutory health insurance provider in Germany, you will receive confirmation that you are exempt from statutory health insurance. You will need this for enrollment.

Confirmation of health insurance cover in your home country or a copy of your health insurance card is not sufficient for enrollment!

Please first contact a statutory health insurance provider in Germany and have your health insurance cover from your home country checked. If your health insurance cover from your home country is not recognized in Germany or if you are not insured in your home country, you will have to take out health insurance in Germany. You can choose whether to take out private health insurance or statutory health insurance.

Statutory health insurance

A number of statutory health insurance providers allow you to take out statutory health insurance before you actually arrive in Germany. Online forms are available on the websites of the various health insurance providers. Once you have taken out health insurance, you should ask your health insurance provider for an insurance certificate for enrolling at university (Versicherungsbescheinigung für die Einschreibung an der Hochschule).

Private health insurance

Even if you take out private health insurance in Germany, you still have to submit an insurance certificate from a statutory health insurance provider in order to enroll.

Before you take out private health insurance, you should contact a statutory health insurance provider. You can ask them for a list of the private health insurance policies the statutory health insurance provider accepts in order to issue the certificate you require. Unfortunately, private health insurance companies also offer policies which do not meet all the legal requirements for full health insurance coverage.

In order to avoid wasting money on health insurance which is subsequently rejected by the statutory health insurance provider for being insufficient and not receiving the certificate you require, you must have the private health insurance you have chosen checked by the statutory health insurance provider before signing the contract.

Confirmation of health insurance cover in your home country or a copy of your health insurance card is not sufficient for enrollment!

Taking an examination is an integral part of studying. This means that the student is therefore in Germany for the purpose of studying. As a result, the student is then required to have health insurance in Germany.




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