As you might have read in the main article about health insurance in Germany or in the main article about health insurance for scholarship holders, in Germany, everyone has to be insured in a health insurance. It is also required in the visa process and to obtain a residence permit. The entire concept and what that means for students is explained in our comprehensive article about Health Insuarance in Germany.
For scholarship holders it is not possible to enrol in the commonly used public health insurance. The only option is to choose a private health insurance.
DeGiS offers substitutive insurance options in collaboration with many insurance companies. One of them is Hallesche Health Insurance. The insurance tariffs with Hallesche have been developed as a DeGiS group contract, which means, it is only accessible through DeGiS*.
The most important feature of this insurance contract is, that it can be concluded without any health check questionnaire if the application is made 6 weeks after the arrival to Germany. This means, that it is also covering any pre-existing conditions, if any and gives you a substantial health insurance coverage which is furthermore.
Basically you have to be a scholarship holder to get access to DeGiS2 Hallesche. The tariffs are open to the following groups:
If you are self-funded, but you desire to conclude the DeGiS2 Hallesche, then please talk to us on an individual basis.
There are two insurance tariffs offered under the DeGiS group insurance 2 scheme with Hallesche. The first tariff is called BD2 and it can be concluded if you are a non-EU scholar for the first 60 months of your stay in Germany. Afterwards, or if you are an EU scholar, the tariff DGOP2 is the right choice. That sounds confusing? As said, we lend you a helping hand navigating through it.
Please note that due to many request we unfortunately need to inform you, that foreign scholarship holders who exercise their scholarship exclusively abroad, can not be insured with this insurance offer.
There are two components to take into consideration. One is the health insurance coverage which differs between the tariffs BD2 and DGOP2, and the other is the long term care coverage which is by law mandatory to conclude.
|100%||Outpatient, medical treatment and psychotherapy|
|100%||Medicine and dressings|
|100%||Preventive medical check-up according to programs implemented by law in Germany|
|Up to 260 EUR (every 2 years)||Visual aids|
|80%, up to EUR 1,025 per year||Dental prostheses|
|100%||Inpatient treatment in a two- or multi-bed room, including private medical treatment|
|100%||Pregnancy and delivery|
|100%||Reimbursement on repatriation transportation|
|Up to 15,000 EUR||Repatriation in case of death or funeral in Germany|
|Territorial validity||Valid worldwide|
Long term care, or in other words nursing care insurance, is a compulsory insurance and is always requested by the health insurance. The abbreviation for the nursing care insurance is PVN, which stands for Private Pflegeversicherung.
The main driver for your insurance premium is your age. The price for the nursing care is based on that and there is no possibility to lower that. Then you need to choose the tariff (BD2 or DGOP2) based on your situation (EU or non-EU scholar). The prices between those two tariffs vary.
You can find the insurance premiums in the following documents
To calculate your premium, please choose the tariff, find your age and add the premium for the health- and nursing care insurance. The age at entry, will be calculated from the current year minus your year of birth. There you go.
DeGiS is here to help, so we will also help you with concluding your health insurance. Therefore the following steps need to be pursued:
Below you can find the information we need to help you applying for your Health insurance
Once again about the process: please submit the information needed to firstname.lastname@example.org. We will then pre-fill your insurance contract and the application for the the private compulsory nursing care insurance with the data provided, so you only need to double check and sign digitally if you want to go for it (still you have revocation right, so do not worry). We will then hand in your application to the insurance company Hallesche and keep you posted.
Here you can find all documents concerning the premiums and tariffs according to the German Insurance Contract Act (VVG):
You will receive the application form and further contractual data after your submission of the information needed. It takes about 48h to receive your insurance confirmation after applying.
HALLESCHE is a private health insurance company based in Stuttgart, which has been operating successfully on the market for over 75 years. They offer a first-class price-performance ratio and excellent customer service.
(Source: Expatriate Insurance Services)