All students in Germany, both German and internationals, must take out health insurance. For admission to OTH, you must provide a health insurance certificate issued or verified by a German statutory health insurance provider.
Students from EU member states as well as Norway, Iceland, Liechtenstein, United Kingdom or Switzerland:
You have to ask your insurance provider for the European Health Insurance Card (EHIC). Please make sure that this insurance card is valid for the complete duration of your stay. Submit the EHIC to a statutory health insurance company in Germany, which will then transmit the corresponding insurance confirmation digitally to the OTH Students’ Office.
Students from the United Kingdom must contact the National Health Service (NHS). This organization will issue a valid card for you.
Students from EU Candidate Countries, such as Bosnia and Herzegovina, North Macedonia, Montenegro, Serbia, Turkey and Tunisia:
You have to apply for a valid insurance certificate from a health insurance provider in your home country prior to your departure to Germany. Make sure that the certificate is valid for the complete duration of your stay. The insurance certificate must be submitted to a statutory health insurance company in Germany, which will then transmit the corresponding insurance confirmation digitally to the OTH Students’ Office.
For students from non-EU states, there are three options:
Option 1 – Take out statutory health insurance:
You may take out statutory health insurance with a provider in Germany. Please note that this only works if you are under 30 years of age. The student rate is about €100 per month.
Inform your insurance provider that you have been admitted to OTH. The insurance provider will then send a confirmation to the OTH Students’ Office.
The advantage of statutory health insurance is that the doctor’s bill is forwarded directly to the insurance company. So you do not have to pay for medical treatment. Please note, however, that insurance coverage comes into effect only after the beginning of your studies. That’s why you must take out another health insurance until the beginning of the semester to bridge the time between your arrival and the start of your studies.
Special regulations for online studies: Students from non-contractual foreign countries (basically countries outside Europe) enrolled in purely virtual (i.e. online) degree programs are generally exempt from the compulsory health insurance for students. However, they have take out a pro-forma German statutory health insurance. As soon as the students enter Germany for face-to-face studies, the statutory health insurance for students is required. The membership begins on the day of enrolment at the earliest. If the student enrolled from abroad, the membership (and payment) will become effective upon entering Germany.
Option 2 – Take out private health insurance with a German insurance provider:
You may take out health insurance from a private health insurance company in Germany, regardless of your age. This particularly applies to students who are over 30. Then submit your private health insurance policy to a statutory health insurance company, which will then transmit an insurance confirmation to the OTH Students’ Office.
Please note that if you have a private health insurance, you must pay the doctor’s bill up front and will then be reimbursed by your insurance. It may happen though that the amount for the doctor’s bill is not fully reimbursed. Also, once you have decided to take out private insurance, this decision is (almost) irreversible: you cannot switch to a statutory health insurance anymore.
Option 3 – Private health insurance in your home country:
If you take out health insurance from an insurance company in your home country for the complete duration of your stay at OTH Amberg-Weiden, you must bring along a complete insurance policy from the insurance company in your home country to prove that you are insured. This document must be issued either in German or in English.
The complete health insurance policy from the insurance company in your home country must cover at least the same services as the German statutory health insurance.
Submit your insurance policy to a statutory health insurance company in Germany, which will then send a confirmation to the OTH Students’ Office, provided that your insurance meets the German legal requirements. If your insurance does not meet German standards, you have to choose options 1 or 2 above.
Look here for further information regarding health insurance.