Upon their arrival at WHU, all exchange students have to provide proof of health insurance. The following aspects have to be covered by your health insurance and included in the confirmation:
- The period of time: coverage of the entire stay in Germany
- The region: Germany has to be covered
- Emergencies have to be covered
- All medical expenses have to be covered
Please note that health insurance with full coverage for sickness, emergencies and all medical expenses is absolutely mandatory for all exchange students in Germany.
Those of you who need to apply for a student visa, might be required to already show proof of your health insurance when applying for a visa. Please check the health insurance requirements for your student visa application or contact your local embassy.
There is an agreement for European Union citizens which guarantees free medical treatment in Germany. This means, European citizens who are travelling or living within the European Union receive a European Health Insurance Card (EHIC) from their home health insurance company, which simplifies the procedure when receiving medical assistance during their stay in a EU Member State. The European Health Insurance Card replaces forms E111, E111B, E128 and E119.
Non-EU citizens need sufficient health insurance as well. If you have a health insurance for your time in Germany from a company in your home country, you need to bring a confirmation letter written in English or German from your insurance provider. This confirmation letter must include all the aspects mentioned above (time period, region, emergency coverage and coverage for all medical expenses) as well as your own name (i.e. the name of a parent or another family member is not sufficient). If any of these 5 aspects is not mentioned in your proof of health insurance, the authorities will not accept this proof.
In case you do not have health insurance or if the above-mentioned aspects are not or cannot be included in the confirmation letter from your home insurance company, you have to purchase (additional) health insurance. The International Relations Office will assist you in this matter and can be contacted with health insurance related matters also before your arrival.