Health insurance
Contact
Advisor for international doctoral candidates and researchers
Service for international researchers
Face-to-face office hours:
Health insurance
Germany has two different health insurance systems: state (statutory/public) insurance and private health insurance. The occupational group (for example civil servants or freelancers) and the annual employment income determine whether a person is eligible for private health insurance. If the income is below the upper income limit ("Jahresarbeitsentgeltgrenze"), which is fixed on a yearly basis, employees are covered by statutory public health insurance; if it is above that limit, employees can opt for private health insurance.
In Germany, health insurance coverage is mandatory for all visiting researchers and family members accompanying them. We strongly recommend that you contact the insurance provider of your choice in good time to clarify any questions and issues you may have in advance and to ensure that you are insured from the very first day of your stay in Germany.
German health insurance system
Statutory public health insurance (Gesetzliche Krankenversicherung, or GKV)
Private health insurance (Private Krankenversicherung, or PKV)
Obtaining health insurance in Germany
Depending on whether you are staying in Oldenburg within the framework of an employment contract or a scholarship, different regulations apply: