If you are from an EU member state or a country with which the Federal Republic of Germany has a social security agreement, you generally have health insurance in your home country that is also valid in Germany.
You do not need to take out German health insurance for students. In both cases, you must contact a German statutory health insurance provider and request a "data record for enrollment at the Saarland University of Applied Sciences (htw saar)."

This means that your health insurance status will be electronically transmitted to our university.

To do this, please send the following information via email:

• A copy of both sides of your EHIC, GHIK, or AT11 chip card, or equivalent proof of insurance
• A copy of your ID card / passport
• Your German address (or your home address)
• Name of the desired university: Saarland University of Applied Sciences (htw saar)
• The htw saar registration number: HOOO3095

The statutory health insurance provider will now send an electronic notification to htw saar confirming that you meet the insurance requirement.

If you are from a country outside the EU, you must obtain student health insurance coverage through a health insurance provider in Germany.
This can be either statutory health insurance (GKV) or private health insurance (PKV).

1. Statutory/Public Health Insurance in Germany

If you are from a country outside the EU or outside a country with which the Federal Republic of Germany has a social security agreement and do not have sufficient health insurance coverage, you must take out statutory health insurance for students in Germany. To do so, select one of the statutory health insurance providers listed below and apply for membership. You will then receive your membership details and payment information. To apply, please email the following information:

• Last name, First name
• Letter of admission
• Copy of both sides of the EHIC, GHIK, or AT11 chip card (European Health Insurance Card or a similar document)
• Copy of your ID card or passport
• Your German address, if already available; otherwise, your home address
• Name of the selected university: Saarland University of Applied Sciences (htw saar)
• Reference number from htw saar: HOOO3095

The statutory health insurance provider will then send an electronic notification to the Admissions Office at htw saar.

1. Private health insurance from your home country

If you wish to retain your private health insurance from your home country, you must have it verified by a statutory/public health insurance provider in Germany. To do so, please send an email to one of the statutory health insurance providers listed below. Include the following details in your email:

• Last name, first name
• Letter of admission
• Copy of your private health insurance policy
• Copy of your ID card or passport
• Your German address, if available; otherwise, your home address
• Name of the chosen university: Saarland University of Applied Sciences (htw saar)
• Reference number from htw saar: HOOO3095

The statutory/public health insurance provider will then review your coverage.

A. If the assessment is POSITIVE, the statutory/public health insurance provider will send an electronic notification to the htw saar Admissions Office stating that you are not insured in Germany (= proof of exemption) and that your private health insurance at home is sufficient.

B. If the assessment is NEGATIVE, you must take out German statutory health insurance for students in Germany (see 1), and the health insurance provider will send an electronic notification (“insured with a statutory health insurance provider”) to the htw saar Admissions Office for your enrollment.

https://www.tk.de/en
In some cases, we know the local contacts at the individual health insurance companies personally; simply ask us at study@htwsaar.de.

While preparing for your studies, you generally cannot yet enroll in a student health insurance plan. You must either purchase private insurance or enroll in voluntary statutory health insurance.
We recommend the following providers:

Vela Insure,
Mawista,
provisit, educare24,
Care Concept,
Expatrio

If you are 30 years of age or older, you cannot enroll in statutory/public health insurance for students. Instead, you will need private health insurance. We recommend choosing one of the providers listed below:

• Vela Insure
• Mawista
• provisit educare24
• Care Concept
• Expatrio

After you have taken out private health insurance, you must contact a statutory/public health insurance provider in Germany and ask them to [electronically transmit your health insurance status to the Saarland University of Applied Sciences (htw saar)]. To do so, please send an email to one of the statutory health insurance providers listed below. Include the following details in your email:

• Last name, First name
• Letter of admission
• Copy of your private health insurance policy
• Copy of your ID card or passport
• Your German address, if available; otherwise, your home address
• Name of the chosen university: Saarland University of Applied Sciences (htw saar)
• Reference number from htw saar: HOOO3095

The statutory health insurance provider will then send an electronic notification to the htw saar Admissions Office stating that you are exempt from the obligation to have health insurance in Germany and that you are adequately covered by your private health insurance.

Here are a few examples of common German health insurance plans:

• AOK
• Barmer GEK
• DAK
• IKK Südwest
• Techniker Krankenkasse