|
Preraring to go to DortmundInsurance CoverageHealth insurance Students are required to bring proof of a valid health insurance policy. All students in Germany are by law obliged to hold such a policy. The German social security system generally treats German and foreign students alike, meaning that foreign students may apply for health insurance coverage by the gesetzliche Krankenversicherungen in Germany, currently available at a rate of about 60 Euros per month. Students from select countries (especially EU) may be eligible for a waiver. They need to obtain a proof of their health insurance coverage from their home insurance institution (i.e. European Health Insurance Card) and present it at one of the health insurance funds in Dortmund (see below), who will issue an insurance number and an insurance exemption certificate. Students must present this exemption certificate upon arrival at the ISM. International Students with private insurance coverage may also be waived the compulsory health insurance if they obtain a proof of coverage from their home insurance company translated into German that gives a detailed description of the content and scope of coverage. The health insurance company in Germany will examine this and may issue a waiver. NB: Please note that students over age 30 are NOT eligible for student health coverage by the German gesetzliche Krankenversicherungen and need to obtain private health insurance either in their home country or in Germany. Germany has a very good health care system and Dortmund offers an extensive network of General Practitioners (Allgemeinmediziner), who are usually the first to contact if you need medical assistance. There is also a range of hospitals that are able to assist you in emergency cases. Because of the relatively high medical fees and hospital charges in Germany, you are urgently advised to ensure that you have adequate health insurance cover. Further information on this can be obtained from the various health insurance funds. Germany has a very good health care system and Dortmund offers an extensive network of General Practitioners (Allgemeinmediziner), who are usually the first to contact if you need medical assistance. There is also a range of hospitals that are able to assist you in emergency cases. Health Insurance Funds in Dortmund (gesetzliche Krankenkassen):
Personal liability insurance We also strongly recommend that students buy a personal liability insurance (Haftpflichtversicherung). This insurance covers cases in which the property of a third party is damaged or a third person is injured (e.g. in a biking accident). This type of insurance can be arranged in Germany or in your home country. |
|
