Studying with Security

Insurance for Students

All students are required to present up-to-date proof of their health insurance or, as appropriate, an exemption issued by a statutory health insurance provider when they enroll. As a student, you will also be covered by statutory accident insurance. 

Health insurance

All students are required to present up-to-date proof of their health insurance or, as appropriate, an exemption issued by a statutory health insurance provider when they enroll. They will not be able to enroll without providing proof of their insurance. 

Your statutory health insurance provider will issue you with the necessary proof of your health insurance on request. Showing your chip card is not enough. Likewise, simply providing confirmation of your insured status is not sufficient for enrollment purposes either!

If you have private health insurance and wish to retain it during your studies, you will need to contact a statutory health insurance provider of your choice to find out about the legal implications of an exemption from the obligation to hold statutory health insurance cover.

Insurance status

Students enrolled at state-accredited universities require insurance until they turn 30 or until the end of their 14th program-related semester (this can be extended under certain circumstances). This obligation to hold insurance cover starts at the beginning of the first semester for which they are enrolled.

A student’s obligation to hold insurance cover ends either in the semester in which they turn 30 or at the end of their 14th program-related semester (even if they are not yet 30 by this point). Students already covered by a higher-ranking insurance policy (e.g. family insurance, pensioners, employees) will not be required to take out insurance cover either.

Students can request to be exempted from the obligation to hold insurance cover within the first three months of their studies, without needing to meet any other criteria. This can be arranged with any statutory health insurance provider. As an exemption from the obligation to hold insurance cover cannot be reversed, this decision should be thought through carefully.

Judges, soldiers, civil servants and employees in civil-service-type roles are automatically exempt from insurance requirements, as are students covered by an EU social insurance treaty. (Your health insurance provider will be happy to help if you have any questions about the social insurance treaty.)


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Health insurance providers

There are many different statutory and private health insurance providers in Germany. Those listed here represent merely a small selection. All students are free to choose their form of health insurance (private or statutory) and select a provider. 

AOK

Michael Huth
Student Service
Heisterbacherhofstraße 2
53111 Bonn, Germany

Phone: +49 228 511-30644
Cell: +49 177 2822-321
michael.huth@rh.aok.de
www.aok.de/rh2

Barmer

Patrick Czarnynoga
Student Service
Giergasse 2
53113 Bonn

Phone: +49 800 333 004404111
Cell: +49 160 90456779
patrick.czarnynoga@barmer.de 

TK

Lukas Baumann
Student Service
Clemens-August-Straße 2
53115 Bonn, Germany

Phone: +49 40 460 651 091 52
Fax: +49 800 2858589 53619
Cell: +49 151 14534938
lukas.baumann@tk.de


Accident insurance

As a student, you will be covered by statutory accident insurance in accordance with the Social Code (SBG VII) provided that you are enrolled at the University (in the capacity of a student, student in continuing education, full cross-registered student or doctoral student). You do not need to pay any contributions for this insurance cover. Participants in preliminary and vacation courses and auditors are not covered by statutory accident insurance.

In what circumstances or for what activities do I as a student get insurance cover?

  • While attending lectures and seminars
  • During other activities for which the University is responsible, such as taking part in University review courses or trips
  • While visiting University and State Libraries
  • While involved in University Sports
  • On trips abroad organized by the University
  • During activities connected with student self-administration and related travel

During purely personal activities such as:

  • Studying at home
  • Personal study trips
  • Review courses run by private providers
  • Interrupting your journey to or from the University to run personal errands (e.g. shopping)
  • Detours taken for personal reasons or personal activities on University premises

What do I do in the event of an accident?

After the accident, please complete an accident report form and send it to:

Rheinische Friedrich-Wilhelms-Universität
Studierendensekretariat - Abteilung 1.3
Am Hof 1
53113 Bonn.

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Team Studentische Unfallanzeigen

+49 228 73 4464 o. 4491

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