ERASMUS Incoming - FormalitiesInsurance and Financial matters

Health Insurance

Health insurance is compulsory for all Heidelberg University students.
You must take out health insurance in Germany or bring sufficient health insurance coverage from your country of residence. 
Non-EU students coming to Heidelberg must provide unlimited health insurance coverage to qualify for a residence permit. The term “unlimited” has to be mentioned in the description of the coverage (pre-existing conditions, dental treatment, pregnancy etc. must be included). As insurances from abroad usually do not fulfil these conditions, we strongly recommend you take out German statutory health insurance at the beginning of your stay.

State health insurance costs about € 595 per semester and includes visits to the doctor and dentist, prescription medicine (excluding a small basic charge), hospital treatment (excluding a small basic charge), and some therapeutic treatments. Premiums and the extent of coverage are fairly uniform among state insurance companies (gesetzliche Krankenkassen). The same type of insurance from private insurance companies is generally more expensive.

Please note that students over the age of 29 do not qualify for state health insurance and must purchase private insurance.

Students from European Union member states whose health expenses are covered in their own country may submit the form E128 or use the European health insurance card (EHIC). These are issued by the health insurance authorities of the students’ home countries; upon arrival in Germany, the form or the card must be presented to a German health insurance company. The health insurance company then issues the student with a certificate of exemption. This certificate of exemption must then be presented to the Akademisches Auslandsamt upon enrolment. A list of health insurance company addresses can be obtained from the Akademisches Auslandsamt in room 33.

Important note: Since German student health insurance coverage starts from the time of university enrolment– and never before October 1st / April 1st respectively - we strongly recommend students take out extra insurance coverage at home for the journey to Germany and for the period between arrival and enrolment / the start of the semester.

Liability Insurance

Students are also strongly recommended to take out personal liability insurance (Haftpflichtversicherung) after arrival. This insurance covers cases in which the property of a third party is damaged or a third person is injured (e.g. in a biking accident or as a pedestrian). This type of insurance can be arranged in Germany or in your country of residence.

Financing your studies

On average, the cost of living and studying in Heidelberg comes to about € 850 per month. Please be aware that you will have additional expenses at the beginning of your stay:

  • Refundable deposit for your room € 450
  • Semesterticket for public transportation (optional, valid for six months) € 180
  • Studierendenwerksbeitrag (student services fee) € 101,75

The following is a breakdown of expenses that you might have on a monthly basis:

  • Rent (for a dorm room) € 250-350
  • Health insurance (with state health insurance provider) € 105
  • Mensa meals (approx. € 3.50 for a warm meal) € 100
  • Groceries € 70-140
  • Public fee for internet, radio and TV € 18
  • Telephone € 10-20

In order to receive a residence permit, you need to present a statement of financial support to the Ausländerbehörde (local foreigner’s registration office), proving that you have at least € 853 to live on for each month of your stay. This can either be a bank statement, a notarized parental letter or a scholarship certificate.