I. Provisions on International Student Insurance
If the international students are under the age of 30 or have not completed the 14 semester, they are low-income people and enjoy the preferential insurance provided by the statutory insurance company.
Pre-university students, visiting researchers, language students and international students over 30 years old or having studied 14 semester can no longer enjoy the statutory insurance, but can only participate in the insurance of private insurance companies. However, the German student service organization signed an agreement with private insurance companies to ensure that students who cannot participate in statutory insurance can enjoy low premiums. Please click here for details.
Second, how to insure?
1. public insurance companies have offices in every city, and some have special institutions in universities to facilitate students to take out insurance. After signing the contract, money will be automatically deducted from the account every month, and you can directly swipe your card to see a doctor. If you buy private insurance, you can go to the insurance company for consultation and sign a contract if you think it is appropriate.
2. International students can also go to any insurance company for insurance consultation. For example, Allgemeine, Ortskrankenkasse, krankenkasse, Barmer Ersatzkasse.Students, such as TK Insurance in Germany, all have Chinese services, so it is completely safe to communicate with them in Chinese. Please click here for details.
The international affairs office in the university can provide some insurance information to foreign students.
4. Deutsches, a German student service organization, will also provide insurance information for international students who are over 30 years old or have studied 14 semester.
Three. Insurance card and insurance certificate
A health insurance card (Versichertenkarte) is a voucher to enjoy all medical services and preventive measures included in health insurance. Once you are insured and become a member of the statutory health insurance fund, you will receive an insurance card. Enjoy insurance by holding a card to see a doctor. So every time you go to see a doctor, you must bring and show your insurance card so that you can settle the expenses.
College students need to issue medical insurance certificates when enrolling in colleges and universities. This medical insurance certificate can be collected from the medical insurance company before registration. If you transfer to another university, you need to provide medical insurance certificate.
Fourth, the scope of medical insurance
Medical insurance covers a wide range, including: disease prevention and early diagnosis; Physical recovery after illness; Nursing during illness; See a dentist; Treatment of women during pregnancy and breastfeeding; Sick pay: If the sick leave exceeds 6 weeks, the insured can receive sick pay equivalent to 80% of the basic salary from the medical insurance institution for a maximum of 78 weeks.
Verb (abbreviation for verb) insurance premium and payment
At present, the monthly statutory insurance fee for students is about 50 euros. The insurance premium can be paid monthly or directly debited. This payment method provides convenience for international students, and the insurance premium is withdrawn from the bank account on the last working day of each month. If you are no longer insured because you graduated from college or dropped out of school, the excess premium collected in advance can be refunded.
Payment of medical expenses by intransitive verbs
After participating in the statutory medical insurance, the medical expenses are paid by the insurance company, and the doctor directly settles with the patient's medical insurance fund, and the patient does not need to do anything for the settlement.
To participate in private medical insurance, under normal circumstances, patients need to pay their own medical expenses first, and then send insurance vouchers, medical bills, original prescriptions, etc. to the insured insurance company, which will pay the medical expenses according to the insurance agreement.
Precautions:
It is best to know in advance the reimbursement scope of health insurance and the expenses that individuals have to pay. Different insurance companies, the scope of reimbursement and the expenses to be paid will be different, so you should know your rights and expenses from the insurance company in advance. Insurance companies pay part of the expenses, such as medical and dental treatment, drug treatment, AIDS, hospitalization, physical therapy and rehabilitation treatment. Some auxiliary expenses and some treatment expenses must be paid in full by the patient. According to their own financial situation, patients can be exempted from personal payment, but they must apply to the insurance company for exemption.
For more information, please visit the following websites: Please click here and here.
Seven, insurance costs.
1. Consultation fee: The patient needs to pay a consultation fee of 10 euros for the first time to see a doctor. This fee is valid for one quarter.
2. It is worth noting that many drugs in Germany are prescription drugs, and statutory insurance only pays for prescription drugs.