Other Insurances for exchange students

Students at German universities are legally required to have adequate health insurance (see https://www.htwsaar.de/incoming).

All enrolled students at htw saar are covered by the institutional accident insurance of the university on its grounds, as well as during official university excursions and on the commute between accommodation and the university. Reimbursement of medical costs / treatment or compensation in case of disability or death can only be paid in cases in which the insured event (accident) is directly related to studying at htw saar.

The Studierendenwerk Saarland (as part of The German Association of Student Services Organisations) has included a supplementary insurance package in the semester fee (social fee - no study fee) which contains:

• Personal accident: Insurance policy covers accidents outside of the university sphere (during leisure time)
• Theft: Insurance covers theft of moveable items (excluding car, car accessories, optical devices, jewelry, and others) on the university grounds.
• Personal liability: Insurance against liability claims by the university (excluding windows and mirrors, display cases, machinery, wear and tear, fire damage, as well as items/machines used in scientific experiments by the students themselves).

Further restrictions apply. This insurance overview is for informational purposes only. Legal text (in German only) with more information, e.g. on the current coverage scopes, see: https://www.stw-saarland.de/finanzen/ -> Studentische Versicherungen.

As the above mentioned personal liability insurance is very limited and related to the university only, we strongly recommend that studentsadditionally take out a more comprehensive personal liability insurance either in their home country or upon arrival in Germany. The German Association of Student Services Organisations (Deutsches Studentenwerk) holds a special framework contract with https://www.vela.insure (-> Haftpflicht-/ Unfallversicherung) . This insurance company offers various insurance types for international students/international exchange students for fully (or additionally) covering their stay in Germany.