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German health insurance comparison
Health insurance is the document the embassy checks first and the one that decides how easy your first doctor visit will be. Here is what Indians in Germany actually use, with cost and English support.
Easiest option for a student visa from India
Expatrio bundles the visa health insurance with the blocked account, so both documents arrive together. It is a partner link, so we earn a commission if you sign up, at no extra cost to you.
Expatrio
Blocked account and student health insurance
One package that gives you the blocked account and the health insurance the embassy asks for, so both visa documents arrive together.
- Opens fully online from India with video identification
- Blocked account confirmation usually within a few working days
- English support that understands Indian documents
If you sign up through this link we receive a commission. The price stays exactly the same for you and it does not change what we recommend. More on our partner links
Providers side by side
Only the Expatrio row is a paid partner link, marked as advertising. Every other insurer here earns us nothing. Rates change every January, so confirm the current contribution before you sign.
| Provider | Type | Best for | Monthly cost | English | Notes |
|---|---|---|---|---|---|
| Expatrio Health ↗Recommended partner | Public partner package | New students from India | €135 plus package handling | ●●● | Bundled with the blocked account, so visa documents arrive together. Convenient, slightly more expensive overall. |
| TK (Techniker Krankenkasse) ↗ | Public | Students, employees, families | €135 student, ~15.9% of salary for employees (half paid by employer) | ●●● | The most common choice for Indians in Germany. Full English service line, English app and fast visa confirmation letters. |
| AOK ↗ | Public | Employees, families | ~15.9% to 16.7% of salary, employer pays half | ●●○ | Largest branch network, useful if you prefer walking into an office. English support varies by federal state. |
| Barmer ↗ | Public | Students, employees | €135 student, ~16.2% of salary for employees | ●●○ | Good university partnerships, often present at enrolment days with English speaking staff. |
| Mawista / Dr-Walter ↗ | Private, travel type | Language students, visiting parents, over 30 students | €35 to €90 | ●●● | Accepted for visa and language course periods, but not a substitute for public insurance once you enrol in a degree under 30. |
| Ottonova ↗ | Private | High earners, freelancers | €250 to €600 depending on age and cover | ●●● | Fully digital and English first, but switching back to public insurance later is difficult, so decide carefully. |
If you sign up through this link we receive a commission. The price stays exactly the same for you and it does not change what we recommend. More on our partner links
Costs are indicative for 2026 and depend on your age, income and family situation.*
Insurance questions
Do I need German health insurance for the visa?
Yes. Health insurance is mandatory in Germany and the embassy asks for proof before issuing the visa. Students get a confirmation letter from a public fund, employees are enrolled by the employer.
Public or private, what should I pick?
Public for almost everyone. It covers family members at no extra cost, accepts pre existing conditions and you can switch funds easily. Private mainly suits high earners above the yearly threshold and some over 30 students.
What about the first weeks before enrolment?
Take incoming travel insurance for the gap between landing and the start of your public cover. Most language course and job seeker visa holders need it for the whole stay.
Can my spouse and children join my insurance?
In the public system yes, family insurance is free as long as they have little or no income. Private policies charge a separate premium per person.
Want the full move handled step by step?
Our free checklist covers the basics. The paid packs add document templates, embassy ready formats and the exact order we followed ourselves.