Best of care overseas.
Keeping you healthy.
Your Health Insurance
Before your studies begin, there are numerous things that have to be organized: A reliable health insurance is particularly important.
Under German law, everybody studying at a state-recognised college or university is required to take out health insurance. Therefore you will need to submit proof of insurance, also known as an insurance certificate (Krankenversicherungnachweis) when you enroll at college or university. This applies only to bachelor and master students and not to Ph.D. students.
Students from Non-EU countries have to get insurance in Germany, even if they already have a health insurance in their country of origin. The insurance coverage usually lasts to the end of a semester, and contributions are to be paid for the entire semester, even if you leave Germany beforehand or drop out of university.
A German bank account is required to pay the insurance fees.
The AVISO GmbH has cooperation with the Techniker health insurance.
The Health-Insurance from the Techniker Health-Insurance convinces with strong Benefits, excellent Advice and the best Service. The Company is the Number 1 from Germanys Health-Insurance Companys. It also earned the Award for Germanys best Insurance Company from the Focus-Money Magazin thirteen times in a row.
Contributions
Effective: 7/2016
90.66 ≙ 102.48
92.29 ≙ 104.32
Key benefits
Medical and dental treatment
If you fall ill, you can go to any doctor or dentist of your choice, providing that they are SHI physicians, which most doctors in Germany are. You don’t have to pay for the treatment on your own. TK pays for the costs of treatment, which the doctor or dentist settles with us directly using the TK eHealth card on condition that this treatment is a contractual benefit. There will be no limit to the costs we will cover, as there is with the private health insurance.
Hospital treatment
Whatever happens to you when it comes to your health, with TK you will always have access to hospital care. You don’t have to pay the treatment on your own and there is no limit of costs you have to observe. If you need to stay in hospital you will just have to pay a co-payment of ten euros per day.
Medicines
In Germany you can only buy medicines in pharmacies, not in supermarkets or drugstores. TK pays the costs of medicines prescribed by a doctor. The policyholder has to pay a minimum out-of-pocket payment of five euros and a maximum of ten euros.
Dental prosthetics
If you need dental prosthetics, your dentist will provide them. TK will cover the costs for standard benefits. The dentist is obliged to inform you about costs and personal share at the beginning of the treatment.
End of compulsory insurance
Compulsory insurance normally ends when you complete your studies, at the latest at the end of your 14th semester, or in the semester in which you turn 30. If the requirements are met, you can maintain your insurance cover as a voluntary member after the end of compulsory insurance. You only have to submit a corresponding written statement.
Information downloads
How to become a member
We make it as easy for you as possible.
Just download the membership application you need, fill it out directly at the screen,
print it, sign it and mail it to us. And in case you have any questions, just ask us.
1. Complete the attached application.
If you are unsure about what to answer, please do not hesitate to contact us.
Should you not have a German address yet, we will keep the written confirmation and your health insurance card safe.
You will receive a copy via email. As soon as you obtain your German address we will send you the original documents.
Send Mail
Please send us your confirmation of enrolment and the SEPA Direct Debit Mandate which authorizes TK to withdraw the payment monthly from your account.
If you haven't done so yet, please send us your German address now, so we can send you the original certificate and health insurance card.
Send Mail