Further Information for International Applicants

Students from EU countries: Check with your health insurance company whether both your trip and your stay from the very first day in Germany are insured. If you are not insured, please refer to the next section.
Students from non-EU countries: You need travel health insurance for the trip and for your first few weeks in Germany. After your arrival, you must have German health insurance for enrollment. Many German embassies require proof of health insurance if you want to apply for the visa.

In Germany all students are obliged to have health insurance. In most European Union countries your health insurance in your home country will cover you during your stay in Germany  with your European health insurance card (EHIC). Check with your insurance BEFORE(!) you travel to Germany.

If your health insurance is not valid in Germany, you should get travel health insurance that is also valid for the few weeks in Germany, as this will give you enough time to get insurance. You have the option of public or private health insurance, however, the insurance will only be valid starting on the day you enroll at the FH Aachen.

More information about health insurance is on the websites of the German Academic Exchange Service and Deutsches Studentenwerk.

With public health insurance you will pay approximately the same charges everywhere. The services offered by the different insurance providers are almost the same.

With private health insurance you can choose between different tariffs. Even the variety of services offered will be different, however, if you select private health insurance, it must be approved by a public health insurance company before you can enroll. Most private health insurance companies require payment when services are rendered, then you must apply for a refund.

Disclaimer:

The information provided here is a service of the Department of International Affairs and is only general guidance. No liability is assumed for the accuracy of the content matter.

Luggage Insurance

If you are bringing precious and expensive items along with you, such as a notebook, you should consider getting special luggage insurance.

Liability Insurance (Privathaftpflichtversicherung)

When you damage someone else's property, you are held liable for the damage you caused. In many cases the damages may be so high that you may have difficulty paying them. Therefore, liability insurance is strongly recommended. Almost all insurance companies offer a Privathaftpflichtversicherung, which may cost around 60 EUR per year.

Houshold Insurance

Houshold insurance covers objects in your apartment that are stolen or damaged, for example, damage caused by water, fire or burglary. Almost all insurance companies offer this.  The cost depends on the size of your apartment and what you insure.