The Shocking Truth About Health Services in Germany Nobody Tells You

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For Indian students in Germany, the choice between *public health insurance (GKV)* and *private health insurance (PKV)* depends on factors like age, program type, and personal preferences. Public health insurance is compulsory for students under 30 enrolled in degree programs and offers comprehensive, standardized coverage for approximately €120–€130 per month. It covers doctor visits, hospital stays, prescriptions, and preventive care, with no additional cost for pre-existing conditions. Family members can also be insured for free under certain conditions. However, GKV has limited flexibility and longer waiting times for specialists.

On the other hand, private health insurance (PKV) is typically chosen by students over 30 or those in preparatory or language courses who are ineligible for GKV. PKV offers flexible plans with premiums ranging from €30 to €150 per month, depending on age, health, and coverage level. While basic plans are more affordable, comprehensive options include benefits like private hospital rooms, faster access to specialists, and additional services such as dental care. However, private insurance premiums may increase with age or health issues, and it’s harder to switch back to GKV after opting for PKV.

For most Indian students under 30 studying degree programs, GKV is a more reliable and cost-effective choice for long-term stays, while PKV is better suited for those with specific needs or short-term programs.

Here is a list of health insurance providers in Germany with their official websites:

Public Health Insurance Providers:
1. Techniker Krankenkasse (TK): Comprehensive services and popular among students.
[Visit Website](https://www.tk.de).

2. AOK (Allgemeine Ortskrankenkasse): Offers preventive care and family-friendly policies.
[Visit Website](https://www.aok.de).

3. Barmer: Known for extensive health services and additional programs.
[Visit Website](https://www.barmer.de).

Private Health Insurance Providers:

1. Allianz: Offers tailored plans for students and global coverage.
[Visit Website](https://www.allianz.de).

2. Ottonova: A digital-first provider with plans for international students.
[Visit Website](https://www.ottonova.de).

3. DKV (Deutsche Krankenversicherung): Reliable coverage and extensive provider network.
[Visit Website](https://www.dkv.com).

Explore their websites for more details.


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