Health insurance for scholarship holders in Germany

Accessibility for everyone

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.

For scholarship holders it is usually not possible to enrol in the commonly used public health insurance. The only option is to choose a private health insurance.

DeGiS offers substitutive health 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 and it is exclusively accessible through DeGiS*.

Insurance advantages with DeGiS – Hallesche

Next to high coverages, an 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.

Who is eligible for the insurance?

Basically you have to be a scholarship holder to get access to Hallesche. The tariffs are open to the following groups:

If you are a self-funded scientist, but you desire to conclude the Hallesche, then please talk to us on an individual basis.

There are two insurance tariffs offered 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.

Please note that scholarship holders who exercise their scholarship exclusively abroad, can not be insured with this insurance offer.

What is the insurance coverage?

The coverage for both tariffs, the BD2 and the DGOP2 is the same. You can find a find an overview in the table below. For more information, please refer to the Insurance Terms and Conditions at the end of this page.

CoverageTariff BD2
100%Pre-existing health conditions covered if concluded within 6 weeks after arrival to Germany
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.

What is daily sickness allowance (EKT43)?

The daily sickness allowance gets you covered when you are ill for more than 6 weeks (42 days). From day 43 you will then get the insured amount (€50 in this case) for each day of illness after the six weeks.

How much is the insurance coverage?

The price differs mainly because of your age for the insurance tariff and the long term care coverage which is by law mandatory to conclude. Also the daily sickness allowance has its price, depending on your age.. The coverage for both tariffs BD2 and DGOP2 is the same, the price however differs and is cheaper for non-EU scholar for the first 60 months of the stay in Germany (tariff BD2), because no contribution to retirement provisions (old-age provisions) have to be paid, which is the case (by law) for the DGOP2.

Please see the pricing below:

AgeTariff DGOP2 Tariff BD2 Tariff PVN Tariff PVNDaily sickness allowance EKT43 (€50)
0-16227.82182.2529.12-
17-19298.91239.0829.783.80
20298.91239.0830.463.90
21246.64129.2831.163.90
22254.25137.4131.883.90
23261.80145.5432.634.00
24269.27153.7633.404.00
25276.63162.0734.194.10
26283.88170.4635.014.10
27290.90178.9435.864.10
28297.74187.5136.754.20
29304.28196.1637.664.30
30310.47203.3838.614.30
31316.27209.1739.594.40
32321.55213.5240.614.50
33326.29216.4341.674.60
34330.37217.9142.784.70
35334.85219.4843.924.90
36339.76221.2245.125.00
37345.09222.9746.375.20
38350.94224.8847.675.40
39357.31226.8949.035.60
40364.25229.0650.465.80
41371.74231.3351.946.10
42379.91233.8553.506.30
43388.74236.6455.146.60
44398.30239.6956.856.90
45408.59244.5258.667.20
46419.69251.4860.557.50
47431.60260.2162.557.80
48444.34270.9964.658.10
49457.99283.6466.878.50
50471.76296.8069.208.50
51485.49309.9771.679.20
52499.33323.4874.279.50
53513.11337.2677.029.90
54526.93351.3079.9310.20
55540.69365.6083.0010.60

You can also find the insurance premiums in the following official 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 Hallesche?

Please get in touch with Hallesche insurance company directly via service@hallesche.de. You can also apply for the tariff here if you are a scholarship holder from Max Planck Society.

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