Public Health Insurance

What is public health insurance?

Public health insurance in Germany, known as Gesetzliche Krankenversicherung (GKV), is statutory health insurance that covers about 90% of the population in Germany. Having health Insurance is mandat…

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Who is eligible for public health insurance?

Bachelor’s and Master’s students under the age of 30 years old are eligible for German public health insurance.

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What does public health insurance cover?

Public health insurance offers extensive medical coverage including cashless doctor’s visits, support in finding a doctor, a 24/7 medical hotline, and more. To learn more about the coverage of differ…

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I have a new bank account, how can I update this information?

If you want your monthly payments to be deducted from a new bank account, please reach out to your insurance provider to update this information.

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I do not yet have my admissions letter from the University, can I still apply for public health insurance?

Unfortunately, you cannot apply for your public health insurance without your university admissions letter. For more help, please write to us at support@coracle.de

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How can I apply for public health insurance in Germany as an international student?

You can easily apply online for German public health insurance with Coracle by clicking here.

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How much will I have to pay as a monthly premium?

Your monthly premium depends on many factors, such as: - Which provider you choose? - What services you select? Usually, premiums range from 117€ to 123€ per month.

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What is liability insurance and do you provide liability insurance?

Liability insurance means the policy holder is liable for any third-party loss or damage then the insurer will recompense the damage incurred. As of now, we do not provide liability insurance, howeve…

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My university has asked for a health insurance document with a more recent date. Where can I find this?

Please reach out to support@coracle.de and we will assist you.

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Where can I find my health insurance documentation for my visa extension?

If your insurance for your extension time has not yet been activated, you can download the extension document from your online portal. If your insurance for your extension time has been activated, pl…

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What is an M10 notification?

M10 is a digital notification that your Insurance provider company sends to your university to let them know whether or not a student is insured or exempt from compulsory insurance.

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Is it mandatory to have health insurance in Germany?

Yes, it is obligatory for all residents, students, visitors, etc to possess some type of healthcare coverage while in Germany.

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Who is responsible for sending the digital insurance notification known as M10?

Sometimes your insurance provider will send your university the M10 notification. When in doubt, send us an email at support@coracle.de and we are happy to take care of the M10 notification for your…

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I am 30 years old. Am I still eligible for public health insurance?

Unfortunately, once you reach 30 years of age, you are no longer eligible for public health insurance as an international student. Don’t worry, if you will be turning 30 during your studies, you can…

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How do I get a social security number?

If you have applied for your health insurance with Coracle before arriving in Germany, your insurance provider will have already applied for your social security number (Rentenversicherungsnummer or…

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I have filled in the details in the TK portal. How long will it take to get my insurance card?

If you have filled out your details in the TK portal, you will receive your insurance card within 2 weeks. If after two weeks you have not received your insurance card, please reach out to TK directl…

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Can I switch health insurance providers?

Yes and No. If you have already activated your insurance in Germany (sent your enrollment letter from your university to the insurance provider) it is not possible to switch insurance providers. If y…

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When do I begin paying for my health insurance?

Usually, the insurance provider will start deducting your premium from the start of the semester

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Can I provide my blocked account IBAN to activate my health insurance?

No, you cannot use your blocked account for any sort of debit or payment. Your blocked account will release your monthly funds into your local German bank account. That is the IBAN that you should su…

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What is a social security number?

Sozialversicherungsnummer" is the name of the social security number in Germany. It is a 12-digit identification number that is given to each person at birth or when they first sign up for health ins…

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When filling out my application, what should I write in the “semesters I have studied” field?

If you began your semester remotely from your home country, please add the date you started studying there. The date you fill in should be the start of the semester independent of online or in person.

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When do I have to start paying for my public health insurance?

Simply put, health insurance premiums start at the start of the school year. For example, if your semester starts on October 1st and you arrive in Germany on October 10th, you will be charged from th…

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What is an exemption certificate and whom should I contact to get it?

The exemption certificate is an official document that gives someone special permission not to pay their insurance. You must reach out to the insurance provider directly to determine if you are eligi…

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How long will it take for me to receive my public health insurance certificate?

You will receive your health insurance certificate from Coracle on the same day as you submit your application.

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How can I activate my health insurance?

To activate your health insurance, please upload your registered German address, your enrollment certificate, and your German bank current account details in your portal. Here are the steps Please no…

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On which day will the monthly premium for my health insurance be debited?

Usually, the health insurance premium is deducted on the 15th of every month from your given bank account. Ultimately, this is the decision of your insurance provider. For the latest detailed informa…

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Who is eligible for private health insurance?

Freelancers, self-employed persons, civil servants, some students and visa holders, and employees making more than 66 thousand euros a year before taxes.

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What documents are required to apply for public health insurance?

To apply for public health insurance in Germany, a student must provide a copy of their passport and their University admissions or enrollment letter.

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I applied with a University I am no longer attending, can I update my new university information?

Yes, you can change your university information on the online portal. If you need additional support, you can write to us at support@coracle.de

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I have renewed my passport after applying for my health insurance, how can I update my details?

Yes, you can update your new passport details through the online portal or you can write to us at support@coracle.de.

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What is the best German public health insurance company for students?

Some of the best public health insurance companies for international students are TK, AOK, and Barmer. At Coracle, we offer the power of choice so students can select which particular insurer is best…

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Can I activate my membership directly with my insurance provider?

At Coracle, we have an exclusive and effective process with our partner healthcare providers, TK, AOK, DAK, and BARMER. For this reason, it is important that all processes such as activation, updatin…

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