for students

Statutory health insurance for foreigners in Germany

  • For visiting foreign nationals in Germany
  • Customer service in German, English and Chinese
  • Can be purchased before entry
  • Online tool with help and advice for foreign students
  • Cooperation with renowned public health insurance provider Techniker Krankenkasse
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Who is DR-WALTER TK for?

  • Students
  • Graduates
  • Voluntary Social Year (FSJ)
  • Federal Volunteer Service (BFD)
  • Apprentices
  • Employees
  • Freelancers
  • Accompanying relatives

Finding the right health insurance for your time in Germany is not easy, since there are a lot of rules and regulations to follow. What kind of insurance do I need in Germany? Do I need private or compulsory public health insurance? Is my family covered? Here at DR-WALTER TK, we offer advice on these and many other issues.

Some people become subject to compulsory insurance when they start working and can there-fore obtain compulsory public health insurance. Others do not have the opportunity to receive compulsory insurance. If you are not sure which of these groups of people you belong to: Let us advise you (German, English, Chinese)!

Insurance combination including private and public health insurance

At, we offer health insurance for many different types of travel, as well as other ways to cover your stay abroad.

Together with Techniker Krankenkasse (TK), one of the largest health insurers in Germany, we have developed DR-WALTER TK, the consulting service for compulsory health insurance.

Techniker Krankenkasse (TK) is the largest compulsory health insurance company in Germany and is particularly popular with visiting foreign nationals in Germany. TK offers 24/7 English-language customer support and its free Guide to Finding a Doctor (German) to help members find the right doctor in their area. TK regularly ranks among the best in ratings by the trade press, such as in the “Germany’s best health insurance company” category (in Focus Money, 7/2021).

Over the years, more than 99% of our customers have given us top marks for our insurance policies and services.


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Which insurance is right for you?

How you can insure yourself is often not clear and it depends on the individual case. The table gives you an initial overview.

Insurance by target groups

I come to Germany as Provisit Educare24 Provisit Student Provisit Science DR-WALTER TK
Language student ✔️
Pupil ✔️
Adult education student ✔️
Exchange program participant ✔️
Applicant for study ✔️
Exchange student Maybe Maybe Maybe Maybe
Not enrolled student ✔️
Bachelor student Maybe Maybe ✔️
Master student ✔️ Maybe ✔️
Student over 30 years ✔️ Maybe Maybe
Visiting scientist with employment contract Maybe Maybe
Visiting scientist without employment contract ✔️
Scholarship holder ✔️
Doctoral student Maybe ✔️ Maybe
PhD student ✔️
Postdoc ✔️
Apprentice ✔️
Intern (during the study) ✔️ ✔️ ✔️
Intern (not during the study) ✔️ Maybe Maybe
Voluntary Social Year ✔️
Federal Volunteer Service ✔️
Employee ✔️
Freelancer Maybe

Your contact person

I am happy to advise you

Mrs Pia Wölke

T +49 2247 9194 -860

FAQ - Frequently asked questions