Health Insurance in Germany

If you are from an EU member state or a country with which the Federal Republic of Germany has a social security agreement, you typically hold health insurance in your home country which also applies in Germany. You do not have to take out student health insurance in Germany.

In both cases, you have to contact the office of a German statutory/public health insurance provider and ask for a "Datensatz für die Einschreibung an der Hochschule für Technik und Wirtschaft des Saarlandes (htw saar)", meaning the electronic transmission of your health insurance status to our unversity. To do so, please send the following information via Email:

1. Last name, first name
2. Admission letter
3. Copy of both sides of EHIC, GHIK or AT11 chip card (European Health Insurance Card or a similar
   document)
4. a copy of your personal ID or passport
5. your German address if you already have one, otherwise your home address
6. name of the chosen university: Hochschule für Technik und Wirtschaft des Saarlandes (htw saar)
7. Reference number of htw saar: HOOO3095

The public health insurance fund will then submit an electronic record to the htw saar admissions office stating that you are
exempt from being insured in Germany and that you are sufficiently covered through your insurance at home.

"If you are from a country outside the EU, you are required to obtain student health insurance from a health insurance provider in Germany. This can be either statutory health insurance (GKV) or German 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 you do not have sufficient health insurance coverage, you need to take out statutory student health insurance in Germany. To do so, please select one of the providers of statutory health insurance listed below and apply for a membership. You will then receive your membership and your payment details. To apply, please send the following information via Email:

• Last name, first name
• Admission letter
• Copy of both sides of EHIC, GHIK or AT11 chip card (European Health Insurance Card or a similar
• document)
• a copy of your personal ID or passport
• your German address if you already have one, otherwise your home address
• name of the chosen university: Hochschule für Technik und Wirtschaft des Saarlandes (htw saar)
• Reference number of htw saar: HOOO3095

The public health insurance fund will then submit an electronic record to the htw saar admissions office.

2. Private Health Insurance from your Home Country

If you would like to keep your private health insurance from home, you need to get it assessed by a statutory/public health insurance provider in Germany. To do so, please send an Email to one of the providers of statutory health insurance listed. Please include the following details in your email:

• Last name, first name
• Admission letter
• Copy of your private health insurance certificate
• a copy of your personal ID or passport
• your German address if you already have one, otherwise your home address
• name of the chosen university: Hochschule für Technik und Wirtschaft des Saarlandes (htw saar)
• Reference number of htw saar: HOOO3095

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

A. If the assessment is POSITIVE, the statutory/public health insurance provider will submit an electronic record to the htw saar admissions office that you are not insured in Germany (=proof of exemption) for your enrollment and that your private health insurance at home is sufficient.

B. If the assessment is NEGATIVE, you need to take out German statutory/public student health insurance in Germany (see 1) and the health insurance fund will submit an electronic record (‘insured with a public health insurance fund’) to the htw saar admissions office for your enrollment.

If you are enrolled in a German language preparatory course (DSH) or the INGprep preparatory program, you generally cannot be insured by a statutory/public health insurance fund. Instead, you need private health insurance. Our reccommendation is to chose from one of these providers listed below:

Vela Insure
Mawista
provisit educare24
Care Concept

Once you have purchased your private health insurance, you need to contact a statutory/public health insurance provider in Germany and ask them for a "Datensatz für die Einschreibung an der Hochschule für Technik und Wirtschaft des Saarlandes (htw saar)", meaning the electronic transmission of your health insurance status to our unversity. To do so, please send the following information via Email:

• Last name, first name
• Admission letter
• Copy of your private health insurance certificate
• a copy of your personal ID or passport
• your German address if you already have one, otherwise your home address
• name of the chosen university: Hochschule für Technik und Wirtschaft des Saarlandes (htw saar)
• Reference number of htw saar: HOOO3095

The public health insurance fund will then submit an electronic record to the htw saar admissions office stating that you are
exempt from being insured in Germany and that you are sufficiently covered through your private health insurance.

If you are 30 years or older, you cannot take out statutory/public student health insurance. Instead, you need private health insurance. Our reccommendation is to chose from one of these providers listed below:

Vela Insure
Mawista
provisit educare24
Care Concept

Once you have purchased your private health insurance, you need to contact a statutory/public health insurance provider in Germany and ask them to . To do so, please send an Email to one of the providers of statutory health insurance listed. Please include the following details in your email:

• Last name, first name
• Admission letter
• Copy of your private health insurance certificate
• a copy of your personal ID or passport
• your German address if you already have one, otherwise your home address
• name of the chosen university: Hochschule für Technik und Wirtschaft des Saarlandes (htw saar)
• Reference number of htw saar: HOOO3095

The public health insurance fund will then submit an electronic record to the htw saar admissions office stating that you are
exempt from being insured in Germany and that you are sufficiently covered through your private health insurance.

AOK
IKK Südwest
Techniker Krankenkasse
Barmer
DAK Saarbrücken