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Private substitutive health insurance coverage for scholarship holders in Germany


In 2019, a working group has been formed within the German EURAXESS network to work on specific topics that have been identified as very relevant to the daily work of advisors for international mobile reseachers. Part of the working group focuses on the topic of health insurance and has developed an overview of possible health insurance options for international scholarship holders from outside the EU/EEA.


For the most cases in which a public health insurance cannot be taken out*, the working group has developed the recommendation to conclude a substitutive health insurance for a stay of more than 90 days (the so-called “substitutive Krankenvollversicherung”). Alternatives to substitutive health insurances usually do have limited coverage and may not qualify as legally sufficient.

Several providers do offer a substitutive health insurance qualifying as sufficient, but only a few tailor them to the special need of foreign scholarship holders.

The following overview of substitutive health insurances options for international scholarship holders from outside the EU/EEA has been devloped by the working group:


Name tariff (Insurer) 

DeGiS - Care Concept (Hanse Merkur)

 DAAD 790D (Continentale)

 DeGiS (Hallesche)

 Acceptance age

 Up to 34 years

 Up to 55 years

 Up to 64 years

 Acceptance health condition

Detailed health questionnaire. Premium surcharges, exlusions or rejection with severe pre-existing conditions.

Rejection with the following pre-conditions: HIV, cancer, kidney failure, blood disease or multiple sclerosis.

Open to all applicants, also with severe pre-existing conditions.

Premium main person insured

Up to 29 years €69.62.
Between 29 and 34 years € 95.68 per month.

Flat € 190 per month.

Between € 182.25 and € 513,81 per month, depending on age.

 Premium for spouse

Flat € 144,74 per month.

Same as main person insured.

Same as main person insured.

 Premium for children

Flat € 144,74 per month.

Flat € 139,- until the age of 18.

Between € 182,25 and € 239,08 per month, depending on age.

 Other factors

Liability and accident insurance can be added for € 6 per month.

Open for foreign scientists who are supported/funded by a partner organization of the DAAD.

Price includes liability and accident insurance.

Has to be concluded within 6 weeks after arrival in Germany.

 Especially suitable for

Young and healthy scholars with no or non-severe pre-existing conditions.

Older scholars with certain severe pre-exisiting conditions.

Ideal for scholars with severe pre-existing conditions.


DeGiS - Care Concept


DeGiS - Hallesche



If you are unsure about which health insurance to conclude, please refer to the insurance companies to allow yourself a detailed comparison.






All content is of a general nature and cannot cover each individual case authoritatively. It is not necessarily complete, comprehensive or fully up to date. It does not constitute legally binding information and nor is it able to replace a consultation by a certified insurance broker.

*If you have an employment contract in Germany or if you are an international PhD candidate and have been covered by statutory health insurance from any European country in the past, you can conclude any statutory health insurance. All other Scholarship holders, self-funded Guest Scientists and PhD candidates from outside the EU/EEA only have the option of taking out private health insurance in Germany.