Mandatory Health Insurance
Exemption from Compulsory Health Insurance – COVID 19
International students from so-called third countries who are not staying in Germany during their studies are exempt from the obligation to have health insurance. This exemption is valid for summer semester 2020, winter semester 2020/21 and summer semester 2021. Third countries are all countries that do not belong to the European Economic Area (EEA, member states of the EU and Iceland, Liechtenstein and Norway).
However, if you should still enter Germany during the semester, e.g. to take part in an examination or a course on campus, you will have to pay the health insurance contributions retroactively for the entire semester or apply for partial exemption from fees. For more information, please contact your health insurance provider.
You need to fill out this form, and upload the signed document to your TUMonline application as Evidence of student health insurance (issued by a compulsory health insurance company):
For the winter semester 2021/22, an exemption from compulsory health insurance will no longer be offered. All students will be required to provide proof of health insurance as described below beginning with the winter semester. The requirement to provide proof of health insurance applies to all students under 30, regardless of their location.
All students in Germany are obligated to have health insurance. You cannot be enrolled at TUM without sufficient health insurance.
Health insurance is not mandatory to receive admission at TUM. You can apply without providing information about your health insurance. After you receive admission, you have to provide proof of a valid health insurance in order to be enrolled.
All applicants therefore need to contact a German public health insurance provider (e.g. AOK, TK, Barmer, DAK etc.) before enrollment - regardless of your country of origin.
The public health insurance provider confirms that
- you are already insured sufficiently
- you are exempt from the insurance obligation.
This confirmation is free of charge. If you do not yet possess sufficiant health insurance, you need to take it out. You then need to submit the confirmation of your health insurance your receive from the German public health insurance provider to TUM in order to be enrolled.
Exceptions and Info Sheet
Exemptions from mandatory health insurance: students starting their 15th (or higher) semester of active enrollment in their degree program [Fachsemester] and students age 30 and over, as well as doctoral students, are not required to have health insurance coverage.
Our info sheet gives a summary of the most important facts:
Are you covered by a German public health insurance plan?
If you are covered by German public health insurance or by a family health insurance plan, we require proof of coverage from your health insurance provider for submission to a university. Please request this document from your insurance provider. A confirmation of coverage or a copy of your insurance card is not enough!
Are you covered by a private health insurance plan?
If you are covered by a private health insurance plan, we require proof from a public health insurance provider of your exemption from the mandatory insurance required for submission to a university. Please contact the public health insurance provider where you were last insured. If you've never been insured by a public insurance provider, you may contact the public insurance provider of your choice.
A confirmation of coverage from your private insurance provider or a simple copy of your insurance card is not enough!
Are you from a country in the European Union?
Students originating from countries in the European Union (EU)/EEA countries must send the International Health Insurance Certification (formerly E111 or E128) or a copy of their EHIC-Card to one of the public health insurance providers in Germany. You will need to request this proof for submission to a university at one of the public health insurance providers in Germany.
A confirmation of coverage in your home country or a simple copy of your insurance card is not enough!
Medical bills are sent directly from the doctor to the health insurance provider.
Non-EU Countries with a Social Insurance Agreement
Are you covered by a public health insurance plan in your home country? Students from non-EU countries who are insured in their home country and with which a social insurance agreement exists (= successor states include former Yugoslavia, Switzerland, Turkey and Tunisia), must also present a foreign health insurance certification to one of the public health insurance providers (see EU-Foreign) in Germany and request formal proof for submission to a university from the public health insurance provider in Germany.
Non-EU Countries without a Social Insurance Agreement
All other students who are insured in their home country can be released from the German health insurance requirement. Please consult with a public health insurance provider in Germany and request that they provide you with formal proof for submission to a university. You must then submit the official forms to us. Presenting proof of insurance from your home country in the form of an insurance card or insurance policy is not sufficient for enrollment, and travel insurance will not be accepted!
Note: This release applies for the entire duration of study and can not be revoked. The public health insurance provider will inform you about the potential drawbacks of an exemption. An officially certified translation of your home insurance policy must be submitted to the public insurance provider. This means that such students will not be insured by a German insurance company, and will have to pay all medical costs, sometimes very high, out of pocket, which should then be reimbursed by their home insurance provider. Students should confirm this first with their insurance provider. In this case, the immigration authorities will require proof that your home health insurance provider will cover 100% of medical costs submitted from Germany, which is seldom the case. Otherwise, your visa may not be issued. Medical bills are sent directly from the doctor to the health insurance provider.
We do not recommend this process, because most insurance plans in Germany provide more coverage than in your home country.
Are you uninsured in your home country?
Students who are not insured in their home country must obtain coverage in Germany from the insurance provider of their choice; the forms to fill out for this purpose can be found on the websites of German insurers. Then you can send a confirmation of coverage for study at a university to the TUM in advance. We require proof for submission to a university from your health insurance provider. A confirmation of coverage or a copy of your insurance card is not enough!
Presenting proof of insurance from your home country in the form of an insurance card or insurance policy is not sufficient for enrollment, and travel insurance will not be accepted.
Fees: Student insurance fees currently run about € 105 – 110 per month.
Students starting their 14th (or higher) semester of active enrollment in their degree program [Fachsemester] and students age 30 and over, as well as doctoral students, are not required to have health insurance coverage. International students starting their 14th (or higher) semester of active enrollment in their degree program [Fachsemester], international students age 30 and over and international doctoral students must always be insured, and therefore, must obtain private health insurance coverage. For various EU countries, there are special rules.