Studying in the EU
If you are studying in an EU country, you are covered by your statutory German health insurance, as long as you remain enrolled at TU Braunschweig during your stay abroad. You continue to pay your contributions as usual, and if you have non-contributory family coverage, it will remain non-contributory.
The extent of the benefits depends on the legal provisions in your host country. In most countries, co-payments are common, which you pay yourself. If you have to pay for a treatment in full, ask for a detailed invoice. The health insurance company in Germany will usually reimburse the costs up to the amount of the German contract rates. If the actual costs are higher, you will have to pay for the remaining amount. If you want to exclude this residual risk, you should take out additional private overseas health insurance.
To avoid problems with the coverage of medical costs, you should always ask your health insurance company to provide you with a European Health Insurance Card.
More information about the European Health Insurance Card
Studying in countries outside the EU
In most countries outside the EU, you will not receive any benefits from your statutory German health insurance. You will have to take out private insurance for this period, although your insurance in Germany will continue to exist. The extent of the private insurance should correspond to that of your statutory insurance. Please consult specialists for advice. Proof of health insurance often must be presented when you enter the country or apply for a visa already.
Private health insurance
The private health insurance covers you according to the individually agreed on range of benefits in your insurance contract. Therefore, you should carefully check before your departure whether your insurance is valid abroad and which benefits are covered. Also check whether your insurance is accepted by the host university. Ask your insurance company to provide you with a detailed list of benefits in English as proof for the university.
Foreign health insurance
Some universities, for example in America, Australia or New Zealand, require you to take out local private health insurance. These insurances do not always cover all costs. You should therefore take a close look at the benefits catalogue. It may be wise to take out additional insurance. You should also have travel health insurance for the first few days between your arrival in your host country and enrolment, as otherwise you will have no insurance cover at all during this time.
Counselling option
For individual counselling, please contact your health insurance provider. Directly on campus, Techniker Krankenkasse offers a counselling service that you can also use if you are not insured with them.
Campus Office of Techniker Krankenkasse