Explained! Health insurance for International students. How to insure yourself!
bravery.reports
[{'start': '0.240', 'end': '4.080', 'text': 'Usually our guests report here about'}, {'start': '2.159', 'end': '6.319', 'text': 'their jobs, apprenticeships, studies,'}, {'start': '4.080', 'end': '8.639', 'text': 'and share their experiences. Hello and'}, {'start': '6.319', 'end': '10.719', 'text': 'welcome back to Bravery Reports. We'}, {'start': '8.639', 'end': '12.559', 'text': 'thought it would also be helpful for'}, {'start': '10.719', 'end': '14.480', 'text': 'young people from foreign countries to'}, {'start': '12.559', 'end': '16.560', 'text': "find out more what it's like to study or"}, {'start': '14.480', 'end': '18.480', 'text': 'do an apprenticeship in Germany. Because'}, {'start': '16.560', 'end': '20.480', 'text': "of that, we'll be posting some more"}, {'start': '18.480', 'end': '22.960', 'text': 'international videos in the near future.'}, {'start': '20.480', 'end': '24.960', 'text': "Today, it's all about health insurance."}, {'start': '22.960', 'end': '27.279', 'text': 'In Germany, everyone must have health'}, {'start': '24.960', 'end': '29.359', 'text': 'insurance, even international student.'}, {'start': '27.279', 'end': '31.199', 'text': "It's a legal requirement and you must"}, {'start': '29.359', 'end': '33.520', 'text': 'have health insurance before you enroll'}, {'start': '31.199', 'end': '35.040', 'text': 'at a university. But what does it'}, {'start': '33.520', 'end': '37.440', 'text': 'actually mean to have health insurance'}, {'start': '35.040', 'end': '39.600', 'text': 'in Germany? Does the insurance from my'}, {'start': '37.440', 'end': '41.760', 'text': 'home country also apply and how do I get'}, {'start': '39.600', 'end': '46.000', 'text': 'good health insurance? All of this I'}, {'start': '41.760', 'end': '46.000', 'text': "will explain in this video. Let's"}, {'start': '46.520', 'end': '51.960', 'text': 'go. There are two types of health'}, {'start': '48.879', 'end': '54.760', 'text': 'insurance in Germany. Public health'}, {'start': '51.960', 'end': '57.440', 'text': 'insurance and private health'}, {'start': '54.760', 'end': '59.600', 'text': 'insurance. If you are already 30 years'}, {'start': '57.440', 'end': '61.280', 'text': 'or older, when you start your studies,'}, {'start': '59.600', 'end': '62.719', 'text': 'you can only take out private health'}, {'start': '61.280', 'end': '64.720', 'text': 'insurance. With private health'}, {'start': '62.719', 'end': '66.400', 'text': 'insurance, you first pay the costs for'}, {'start': '64.720', 'end': '68.799', 'text': "the doctor's visits and medication"}, {'start': '66.400', 'end': '70.560', 'text': 'yourself and then pass on the bills to'}, {'start': '68.799', 'end': '72.159', 'text': 'the health insurance company. The'}, {'start': '70.560', 'end': '74.159', 'text': 'private health insurance is generally'}, {'start': '72.159', 'end': '76.560', 'text': 'more expensive than the public one. As'}, {'start': '74.159', 'end': '78.640', 'text': 'around 90% of Germans have public health'}, {'start': '76.560', 'end': '80.320', 'text': 'insuranceances, we will focus on this'}, {'start': '78.640', 'end': '82.240', 'text': 'one in this video. The following'}, {'start': '80.320', 'end': '84.960', 'text': 'services are covered by German health'}, {'start': '82.240', 'end': '86.960', 'text': 'insurance. Doctor visits. It is best to'}, {'start': '84.960', 'end': '89.280', 'text': 'see a general doctor first who will then'}, {'start': '86.960', 'end': '91.759', 'text': 'refer you to specialists if needed.'}, {'start': '89.280', 'end': '93.439', 'text': 'Hospital stays and operations. The costs'}, {'start': '91.759', 'end': '95.439', 'text': 'are always settled directly with the'}, {'start': '93.439', 'end': '97.439', 'text': 'health insurance company. No advanced'}, {'start': '95.439', 'end': '99.520', 'text': 'payment is necessary. Prescribed'}, {'start': '97.439', 'end': '101.680', 'text': 'medication for medication that does not'}, {'start': '99.520', 'end': '104.439', 'text': 'require prescription you pay yourself.'}, {'start': '101.680', 'end': '106.880', 'text': 'Preventive care such as vaccinations and'}, {'start': '104.439', 'end': '109.200', 'text': 'checkups. Emergency care such as'}, {'start': '106.880', 'end': '111.119', 'text': 'ambulance services, mental treatments,'}, {'start': '109.200', 'end': '112.960', 'text': 'and also dental care. But there are'}, {'start': '111.119', 'end': '115.680', 'text': 'treatments that have to be paid for by'}, {'start': '112.960', 'end': '117.200', 'text': 'yourself or a co-ayment is required. Do'}, {'start': '115.680', 'end': '118.960', 'text': 'you already have health insurance in'}, {'start': '117.200', 'end': '121.439', 'text': 'your home country? Then you may be able'}, {'start': '118.960', 'end': '123.119', 'text': 'to use this if Germany has a social'}, {'start': '121.439', 'end': '125.600', 'text': 'security agreement with your home'}, {'start': '123.119', 'end': '128.239', 'text': 'country. For example, with the your'}, {'start': '125.600', 'end': '131.319', 'text': 'member states, Switzerland, Likenstein,'}, {'start': '128.239', 'end': '135.480', 'text': 'Norway, Iceland, but also Bosnia and'}, {'start': '131.319', 'end': '139.040', 'text': 'Hzgoa, Israel, Morocco, Macedonia,'}, {'start': '135.480', 'end': '141.280', 'text': 'Montenegro, Serbia, Tunisia, and Turkey.'}, {'start': '139.040', 'end': '143.040', 'text': 'If you are from an EU country, then you'}, {'start': '141.280', 'end': '145.599', 'text': 'can use your European health insurance'}, {'start': '143.040', 'end': '147.040', 'text': 'card. But before you can enroll, you'}, {'start': '145.599', 'end': '148.959', 'text': 'must present your European health'}, {'start': '147.040', 'end': '151.280', 'text': 'insurance card to a public health'}, {'start': '148.959', 'end': '154.160', 'text': 'insurance provider in Germany, for'}, {'start': '151.280', 'end': '156.319', 'text': 'example, GK or Balmer. They will then'}, {'start': '154.160', 'end': '158.400', 'text': 'give you a certificate to submit to the'}, {'start': '156.319', 'end': '160.879', 'text': 'university. It is best to ask the'}, {'start': '158.400', 'end': '162.800', 'text': 'international office at your university'}, {'start': '160.879', 'end': '164.879', 'text': 'which health insurance company you can'}, {'start': '162.800', 'end': '166.720', 'text': 'contact best. Please note, if you would'}, {'start': '164.879', 'end': '168.879', 'text': 'like to work in Germany during your'}, {'start': '166.720', 'end': '171.040', 'text': 'studies, for example, as an intern,'}, {'start': '168.879', 'end': '173.360', 'text': 'working student, student assistant, or'}, {'start': '171.040', 'end': '175.360', 'text': 'in a normal part-time job, you must have'}, {'start': '173.360', 'end': '176.879', 'text': 'German health insurance, regardless of'}, {'start': '175.360', 'end': '178.879', 'text': 'your insurance status in your home'}, {'start': '176.879', 'end': '181.120', 'text': 'country. If your health insurance is not'}, {'start': '178.879', 'end': '183.680', 'text': 'recognized, you must ensure yourself in'}, {'start': '181.120', 'end': '185.760', 'text': 'Germany. There are over a 100 public'}, {'start': '183.680', 'end': '187.239', 'text': 'health insurance companies in Germany'}, {'start': '185.760', 'end': '190.720', 'text': 'such'}, {'start': '187.239', 'end': '190.720', 'text': 'as big'}, {'start': '191.080', 'end': '196.800', 'text': 'direct or big kaka. Although the'}, {'start': '194.000', 'end': '198.800', 'text': 'benefits and prices are comparable, the'}, {'start': '196.800', 'end': '200.800', 'text': 'focus of the health insurance may differ'}, {'start': '198.800', 'end': '202.959', 'text': 'slightly. As you can see, it is very'}, {'start': '200.800', 'end': '205.200', 'text': 'time consuming to choose from these many'}, {'start': '202.959', 'end': '209.720', 'text': 'providers. You can find a comparison of'}, {'start': '205.200', 'end': '209.720', 'text': 'public health insurance providers here.'}, {'start': '209.840', 'end': '214.000', 'text': 'Unfortunately, it is only in German. If'}, {'start': '212.159', 'end': '215.680', 'text': 'you are already studying in Germany,'}, {'start': '214.000', 'end': '218.000', 'text': 'please write in the comments about your'}, {'start': '215.680', 'end': '219.840', 'text': 'experiences and whether you can make any'}, {'start': '218.000', 'end': '222.400', 'text': 'recommendations. How do you take out'}, {'start': '219.840', 'end': '224.799', 'text': 'health insurance? First, choose a health'}, {'start': '222.400', 'end': '227.680', 'text': 'insurance policy. Second, fill out the'}, {'start': '224.799', 'end': '230.000', 'text': 'application form. Third, pay your'}, {'start': '227.680', 'end': '232.159', 'text': 'insurance fee by bank transfer. This is'}, {'start': '230.000', 'end': '233.680', 'text': 'usually a monthly fee, so make sure that'}, {'start': '232.159', 'end': '236.239', 'text': 'you have a valid bank account in'}, {'start': '233.680', 'end': '238.319', 'text': 'Germany. As soon as you are registered,'}, {'start': '236.239', 'end': '240.640', 'text': 'you will receive a health card which you'}, {'start': '238.319', 'end': '243.360', 'text': 'must show when visiting a doctor or'}, {'start': '240.640', 'end': '245.200', 'text': 'hospital. I therefore recommend you that'}, {'start': '243.360', 'end': '247.120', 'text': 'you always have the card with you.'}, {'start': '245.200', 'end': '249.200', 'text': 'Fourth, the health insurance company'}, {'start': '247.120', 'end': '251.280', 'text': 'will issue you with an electronic'}, {'start': '249.200', 'end': '253.760', 'text': 'insurance certificate. This confirmation'}, {'start': '251.280', 'end': '255.920', 'text': 'will be sent directly to the university.'}, {'start': '253.760', 'end': '257.759', 'text': 'If you enroll online, the university'}, {'start': '255.920', 'end': '260.079', 'text': 'will automatically check your insurance'}, {'start': '257.759', 'end': '261.919', 'text': 'registration. How much does it cost? On'}, {'start': '260.079', 'end': '264.759', 'text': 'average, the cost of student health'}, {'start': '261.919', 'end': '268.560', 'text': 'insurance in Germany is between€130 and'}, {'start': '264.759', 'end': '270.320', 'text': '€150 per month as of 2025. In the video'}, {'start': '268.560', 'end': '272.400', 'text': 'description, you can find a link to the'}, {'start': '270.320', 'end': '274.639', 'text': 'list of the cheapest insurance policies'}, {'start': '272.400', 'end': '276.639', 'text': 'currently available. My recommendation,'}, {'start': '274.639', 'end': '278.479', 'text': "there's a lot to take care of before you"}, {'start': '276.639', 'end': '280.800', 'text': 'can enroll for a degree program in'}, {'start': '278.479', 'end': '282.720', 'text': 'Germany. Health insurance is one of the'}, {'start': '280.800', 'end': '284.479', 'text': 'most important things, so take care of'}, {'start': '282.720', 'end': '286.639', 'text': 'it early and already in your home'}, {'start': '284.479', 'end': '288.240', 'text': 'country. We hope this video was helpful'}, {'start': '286.639', 'end': '290.160', 'text': 'for you and your study planning in'}, {'start': '288.240', 'end': '293.120', 'text': 'Germany. Thanks for watching and have'}, {'start': '290.160', 'end': '293.120', 'text': 'fun with your planning.'}]