Insurance coverage for your stay
If you come to FAU from abroad it is vital that you get the right insurance coverage for the duration of your stay. In some cases, it is even a prerequisite for the residence permit and for enrolment. The following overview provides information on the types of insurance you need for your stay in Germany and might have to take out here, and on insurance we recommend you should have.
Health insurance for students
After concluding the contract, you will receive an insurance certificate which you have to submit for enrolment.
You cannot enrol without an insurance certificate from your statutory health insurance provider.
- guest students
- German language course students
- students aged over 30
- students who have progressed further than the 14th semester
If one of the above applies to you, you can only take out private health insurance. The contributions for private health insurance are between 60 and 80 euros per month. If you have private health insurance, you have to submit a certificate issued by a German statutory health insurance provider confirming that you are not required to have statutory health insurance.
The exemption from mandatory statutory heath and nursing care insurance is valid for the whole duration of your studies and is irrevocable. It is not possible to return to statutory health insurance.
If your parents are German public servants, any health insurance allowances are usually cancelled once you turn 25 (2007 Tax Reform Act). This often leads to an increase in the insurance contribution. However, as you were exempted from mandatory health insurance you cannot return to statutory health insurance.
Insurance for researchers and doctoral candidates
All the information researchers and doctoral candidates need on insurance is available on the FAU Welcome Centre page.
Insurance for placement students
Students from the EU who receive remuneration of less than 400 euros per month for their placement do not have to take out additional insurance in Germany but can bring the European Health Insurance Card (EHIC) from their home country.
You only have accident insurance cover if you have a placement contract with an enterprise (such as the University).
If you have an accident during working hours you must report the accident in order to make a claim (forms for reporting accidents to the Bavarian municipal accident insurance provider Kommunale Unfallversicherung Bayern (German)). Please make sure you remember the place, time and circumstances of the accident. If another person caused the accident, you should note down the name and address of that person and ask them to confirm their identity by showing you their ID. Please also ask the person who caused the accident to give you their insurance details.
You must complete three copies of the form for the accident report, signed by your supervisor, and forward them to the University Administration’s Central Human Resources Services (P1) . The matter is then forwarded to the Staff Council and Kommunale Unfallversicherung Bayern.
Please direct your accident report to:
Referat P1 (Central Human Resources Services)
International students doing a compulsory placement in Germany can make use of the group insurance scheme offered by the German Academic Exchange Service (DAAD). If you are doing a voluntary placement which is related to one of DAAD’s partner organisations (e.g. IAESTE, Erasmus placement) you can also make use of this insurance package. Students doing a voluntary paid placement cannot make use of the DAAD insurance package.
Please note that you have to take out the insurance from the day of your arrival in Germany.
If pension insurance contributions were deducted from your placement remuneration they can be reimbursed no earlier than 6 months after your departure from Germany. This does not apply to citizens of the following countries: the USA, Canada, Japan, South Korea, Turkey and Tunisia. While students from EU countries cannot be reimbursed for the contributions, their contributions can count towards the calculation of their pension. This means that you should keep all documents on your employment and request that they are included in the calculation of your pension in your home country.