New Students - Obtain Health Insurance

In order to register as a student at the Charité you need to prove that you are adequately insured. For German students, or those students who already have German health insurance, you simply need to bring a Bescheinigung für Hochschule from your provider. This document will be submitted along with your other Charité registration documents.

Health insurance requirements for international students vary depending on what country you are from. For more information please click on the link below which corresponds to your citizenship.

· Non-European Union International Students
· European Union International Students
· Students from Bosnia-Herzegovina, Croatia, Slovenia,
  Yugoslavia, Macedonia, Turkey, Liechtenstein, Switzerland,
  Tunisia, or Hungary

 
· Non-European Union International Students

Non-European Union Foreign students have two choices:

Complicated Choice:
You may apply for a proof of exemption through your current insurance agency. Proof of exemption must be accompanied by the following documentation:

1)	Verification by a German Insurance company in German.
2)	A “Bescheinigung für Hochschule” This is a statement from a German health insurance provider, in German, indicating that you are insured as a university student.

Note: obtaining all the necessary documentation for this option can take several weeks. If you choose this option make sure you allot enough time.

 Easy Choice:
By far the easiest option is to obtain German health insurance once you arrive in Germany. You may choose any German Public Health Insurance company you wish. However, because the Humboldt University already has an agreement with a company called "Techniker Krankenkasse". This option is extremely easy and inexpensive. Here is how it works:

Just before you register to be a student at the Charité our TK representative comes to the Molecular Medicine offices with the necessary form. Once you fill in the form health insurance coverage is granted immediately, even before you pay the first monthly installment (about 65 Euros per month). Then have a couple of weeks to establish a German bank account from which you pay your health insurance monthly fee.

For more information about visiting a doctor when you are covered by Techniker Krankenkasse, please click here.

For more information about an alternative German health insurance provider, please click here.

More Information about TK

TK Berlin

Lutz Matuschke – Health Insurance adviser for students
Tel.: (+49 [0]30) 400 44-86 60
E-Mail: lutz.matuschke@tk-online.de

If you consult a doctor , your medical card (chip or smartcard) must be presented every time.

Generally speaking, a doctor's fee of € 10 is to be paid when consulting a dentist or a general practitioner for the first time in each three month period (quarter) of any year. General physicians and specialists can transfer patients to a specialist or other doctor. In this case, the fee need not be paid anew if consultation takes place in the same 3 month period.

If a doctor prescribes medication, 10% of the costs have to be paid by the patient: i.e. at least € 5 and up to € 10, up to the actual costs of the pharmaceuticals/medication, must be paid.

Every insured person is expected to pay some supplementary costs for medication and similar fees, up to the amount of 2% of annual income:

· the standard doctor's fee
· additional payment for medication
· additional payment for hospital stay.

If the 2% financial allowance is exceeded, the patient may apply for exemption from further costs to the health insurance company. For further information please contact your health insurance company.

Any student who has valid insurance cover can consult any doctor he or she chooses. Names and addresses of doctors can be found through the internet or in the Yellow Pages (Gelbe Seiten) arranged according to their specialty.

Alternative German Health Insurance Provider

AOK Berlin

Peter Kurowski - advisor for students

Tel.: (+49 [0]30) 25 31-64 73
E-Mail: Peter.Kurowski@bln.aok.de

Margareta Barisic - advisor for students

Tel.: (+49 [0]30) 25 31-64 71
E-Mail: Margareta.Barisic@bln.aok.de

European Union International Students

Students from European Union countries (other than Germany) have two choices. Either you can obtain German health insurance, or you can complete the E128 form from your insurance carrier at home.

If you choose to complete the E128 form then you must bring the following documents with you on the first day of the program in order to register at the Charité:

1)	Verification, written in German, that your home health insurance coverage has been recognized by a German Public Health Insurance company.
2)	A “Bescheinigung für Hochschule” This is a statement from a German health insurance provider, in German, indicating that you are insured as a university student.

Students from Bosnia-Herzegovina, Croatia, Slovenia, Yugoslavia, Macedonia, Turkey, Liechtenstein, Switzerland, Tunisia, or Hungary

Students from countries that have entered into social security agreements with Germany (e.g. Bosnia-Herzegovina, Croatia, Slovenia, Yugoslavia, Macedonia, Turkey, Liechtenstein, Switzerland, Tunisia, Hungary) have two choices. Either your insurance carrier at home can help you complete the AT11 form, or you can obtain German health insurance.

If you choose to complete the AT11 form, then you must bring the following documents with you on the first day of the program in order to register at the Charité:

1)	Verification, written in German, that your home health insurance coverage has been recognized by a German Public Health Insurance company.
2)	A “Bescheinigung für Hochschule” This is a statement from a German health insurance provider, in German, indicating that you are insured as a university student.

German Public Health Insurance Providers

The two most commonly used public health insurance providers are the TK or AOK.