Public & Private Health Insurance:
Your Health Insurance for Your Visa and Enrolment at a German University
Get premium health insurance coverage for your stay in Germany
Health insurance is a requirement for visa and enrolment in Germany
Everyone who lives in Germany, no matter how long, must have health insurance. As an international student, it is also a requirement for both, obtaining a visa and enrolling at a German university.
At Fintiba, we make this whole process as smooth as possible for you. We have partnered with experienced experts in this field to offer you full protection for your stay in Germany.
Why should get your health insurance with Fintiba:
Which health insurance would I need for my stay in Germany?
The health insurance system in Germany is one of the most effective worldwide. The system is based on two types of health insurance:
- Public health insurance (also referred to as governmental or statutory health insurance)
- Private health insurance
Non-EU citizens cannot use their health insurance from their home country in Germany. Therefore, they need to cover themselves with German health insurance.
Depending on your individual situation, you may be eligible for either private or statutory health insurance.
Not sure which health insurance you need? – Let us take care of everything.
Within the Fintiba Plus solution, we put together a customised package based on your needs. This consists of a blocked account and all the health insurance coverage you need for your stay in Germany.
Public health insurance
- A requirement for enrolment at a German university
- Offers affordable tariffs for (international) students under 30
- Covers visits to your general practitioner (Hausarzt), basic dental care, in- and out-patient procedures, and more
- Costs for treatments are covered directly by your public health insurance provider
DAK-Gesundheit
DAK Gesundheit is one of the largest and longest-established providers of public health insurance in Germany. The provider has received several awards for its outstanding service over its long history. Additionally, DAK-Gesundheit provides an abundance of complementary services that exceed the statutory obligations.
- Best health insurance
for young people according to Germany’s largest customer-focused study - Appointment Service
Telephone service for doctor recommendations and to book your appointment with a specialist doctor - Cost Coverage
Various medical services and preventive check-ups are covered (e.g. professional tooth cleaning or HPV or COVID-19 vaccinations) - Multi-Language Service Hotline
Personal customer service in 22 different languages - Doctor-Video-Chat
Specialist medical advice is given via online video service - Live-Chat
With DAK consultants to ask general questions about health insurance
Private health insurance
- Suitable for language students, au-pairs and jobseekers
- Required by universities for students above the age of 30
- Offers basic coverage as well as higher levels of coverage
- Treatment costs are paid in advance by policyholder then reimbursed by the private health insurance company following submission of an invoice
MAWISTA
MAWISTA GmbH is one of the market leaders with tailor-made private health insurance in Germany. It is perfect for those who need medical protection for their temporary stay in Germany
For Travel Health Insurance:
MAWISTA Visum
- Free of charge within the Fintiba Plus package1
- Unlimited insurance coverage (more than € 30,000.00 is covered)
- Valid for the agreed period within 12 months from the applied start of insurance; multiple entry and exit are possible
- Coverage complies with the requirements of the European Parliament and Council
- Including travel liability insurance
For Private Health Insurance
MAWISTA Student
- Valid for 60 months
automated cancellation in case you switch to public health insurance - Insured region: Germany and the states of the EU (+ Switzerland, Liechtenstein, Norway and Iceland)
- Free choice between the Classic and Comfort tariff
- Including an insurance card in the Comfort tariff to make the authentication at your doctor easy and seamless
Here’s how it works
Registration
Register with Fintiba and enter just a few personal details.
Visa & residence permit
We will issue an insurance confirmation which you can use for your visa, residence permit appointment or enrolment.
Activation
Activate your insurance conveniently via the Fintiba app, receive your health insurance card and enjoy a safe stay in Germany!
Frequently asked questions
The travel insurance “MAWISTA Visum”, provided by our partner MAWISTA, is issued for a duration of up to 183 days.
The coverage complies with the requirements of the Council Regulation (EC) no. 810/2009 of the European Parliament and Council as of July 13, 2009, and is unlimited.
The insurance protects you from the high costs of illness or accidents during your stay.
Below, you can find the most important benefits of this travel health insurance:
✔ Outpatient treatment
✔ Inpatient treatment
✔ Medicines and dressings
✔ Pain-killing dental treatment and repairs of dentures and provisional measures up to € 250.00
✔ Transport costs to the nearest suitable hospital
✔ Funeral or repatriation costs (max. € 25,000.00)
✔ Repatriation to home country *
✔ Treatment of existing diseases until the insured person can be transported again after the expiration of insurance (45-day limit)
✔ Travel liability insurance
Below, you can find the most important benefits of the private health insurance “MAWISTA Student“:
✔ Outpatient treatment
✔ Inpatient treatment
✔ Medicines and dressings
✔ Aids-related to the accident (not including sight aids and max. € 250.00)
✔ Medical treatment (e.g. massage), up to 8 per insurance year
✔ Analgesic dental treatments, denture repairs and temporary solutions (max. € 500.00)
✔ Transport costs to the nearest suitable hospital
✔ Pregnancy, childbirth and their implications
✔ Funeral or repatriation costs (max. € 25,000.00)
✔ Repatriation to home country
The governmental health insurance “DAK-Gesundheit” covers the costs of your treatment with a doctor, dentist or hospital. Moreover, it bears the costs for medicine that your doctor prescribes to you.
For more information on insurance coverage, you can download the info flyer of DAK Gesundheit.
In the following you can find the differences between DAK and other statutory health insurers.
DAK covers many additional services not covered by other health insurance companies, such as:
- Subsidy for professional dental cleaning at the dentist of your choice
- Regular Check-up for insured persons under 35
- HPV vaccination (also for male policyholders)
- Cancer prevention: breast ultrasound
- Dialysis abroad
- Acupuncture above legal standard
- Balneology, Electrotherapy, Hydrotherapy, Neural therapy and Phototherapy
1 With free Travel Health Insurance in the Fintiba Plus package, you can save up to € 95.00. Please note that your right for free travel health insurance will expire if you do not activate either the private or statutory health insurance included in the package.