Health insurance for scholarship holders in Germany

Accessibility for everyone, also with pre-existing conditions

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*.

Pre-existing conditions insured with DeGiS 2 Hallesche

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.

Who is eligible for the insurance?

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.

What is the insurance coverage?

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.

Health insurance coverage

CoverageTariff BD2
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
100%Dental treatment
80%, up to EUR 1,025 per yearDental 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 EURRepatriation in case of death or funeral in Germany
Territorial validityValid worldwide

 

What is long term care or nursing care insurance (PVN)?

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.

 

How much is the insurance coverage?

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.

 

How to apply to DeGiS 2 Hallesche?

DeGiS is here to help, so we will also help you with concluding your health insurance. Therefore the following steps need to be pursued:

  1. Prepare early: once you know that you will be coming to Germany, please get in touch with us as we only have a short time window to get your insurance set-up after your arrival.
  2. From abroad: you ideally already apply from abroad, so that the insurance company can already prepare your insurance contract.
  3. Apply: you need to hand in several information to DeGiS. For this, please submit the information needed (see below) to versicherung@degis.info . 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.
  4. Dependents: if you want to co-insure your dependents, e.g. spouse and/or child(ren), we will also help you with that. Just let us know and we take it from there.
  5. In Germany: you need to hand in a proof that you have come to Germany. This can be a flight ticket or a picture of your passport with the entry stamp. Your insurance will then be activated and you get your confirmation.
  6. Pay: you will need to pay the insurance invoices yourself. Therefore we advise you to set up a bank account as early as possible. You can find a current account comparison here.
  7. That’s it, enjoy your academic path in Germany!

Information needed to apply

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 versicherung@degis.info. 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.

 

All documents in one place

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.

 

Who is Hallesche health insurance?

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)

 

Footnotes:

*or via Mawista, if you are a scholarship holder of Max Planck society. Alternatives are also existing via e.g. IHC Company