My 10 Tips for Navigating Healthcare in Germany as an International Student

Over the last few years, having experienced both chronic and acute health issues, I feel incredibly grateful and fortunate for the sense of security the German healthcare system has provided me. From routine checkups to emergencies and operations, I’ve always felt cared for.

A particularly memorable instance was when I showed up to a surgery clinic a month early for my appointment… It turns out—in a panic—I got the dates mixed up and booked an appointment a month too late, which I only realized when the medical staff at the front desk pointed it out to me upon my arrival—with admirable calmness and understanding. Despite my mistake, the kind staff and the compassionate surgeons prioritized my care, took their time to explain everything very thoroughly and ensured I received the treatment I needed as soon as possible and with minimal pain. This, along with the warmth and empathy of other doctors I’ve encountered—contrary to the stereotype that Germans are cold—has left me deeply grateful.

Affordable healthcare is undeniably a basic human right, but it’s also something I don’t take for granted. On that note, a heartfelt thank you to the medical professionals who have helped me over the years. And to you reading this: I sincerely wish you the best on your journey and hope these tips can help you take good care of yourself 💛

1. Set Up Your Health Insurance ASAP

Health insurance is mandatory in Germany for university enrollment and visa applications. Choose between public (GKV) or private (PKV) insurance based on your situation. Public insurance costs around €110/month for students (as of 2024), while private plans vary.

2. Carry Your Health Insurance Card

Always have your insurance card with you for appointments or emergencies.

3. Find a Reliable Hausarzt (General Practitioner)

A Hausarzt is your primary contact for general health issues and referrals to specialists. For practical reasons, I find it best to have one near where I live. The list of recommendations by the insurance (if available) can also assist you with the decision.

On the other hand, it is also worth noting that you don’t have to go through your Hausarzt to get to the specialists. For specific issues, you can also directly contact a specialist of your choice e.g. ophthalmologist, dermatologist, gastroenterologist, etc.

4. Don’t Delay Visiting the Doctor


Address health concerns early. Waiting can make minor issues more serious and harder to resolve.

5. Don’t Hesitate to Get Second (or Third or More) Opinions

When dealing with serious health issues, seek opinions from multiple doctors. Compare their advice and decide on the best route for yourself.

6. Book an (Annual Check-Up) Appointment Early

Annual checkups are recommended in a number of areas, but many specialists in Germany like dermatologists and gynecologists often have long waiting times. So, book as soon as possible.

7. Learn About Open Speaking Hours (Offene Sprechstunde)

For acute issues, many practices have open hours where patients can visit without an appointment. But keep in mind this often involves long waiting time and requires early arrival—even before the official working hours, because slots are first-come, first-served.

8. Understand Emergency Options

• Call 112 for life-threatening emergencies.
• Call 116 117 for non-emergency medical advice or assistance.
• Visit the emergency unit of the nearest hospital for urgent care.

9. Ultilize Digital Tools, but Also Consider In-Person Visits

Many insurance companies offer online services for submitting claims and downloading documents. However, in my experience, in-person visits to your insurance office can resolve complex questions more quickly.

10. Check for Vaccinations and Other Services Covered by Your Health Insurance

In Germany, many preventive healthcare services are included in health insurance plans, especially if you’re enrolled in public health insurance (GKV). Vaccinations are a key aspect of these services, and knowing what’s covered can save you time and money while keeping you healthy.

• Vaccinations: 
Common vaccinations, such as those for influenza, tetanus, diphtheria, hepatitis, and measles, are usually covered. Some travel-related vaccines (e.g., yellow fever or typhoid) may also be included if required for studies or work. Check with your insurance provider or Hausarzt to ensure you’re up to date on all necessary immunizations.
• Preventive Screenings: 
Public health insurance often covers preventive screenings, such as annual dental check-ups, skin cancer screenings, and routine health checks. These services are designed to catch potential health issues early.
• Mental Health Services:
 Mental health support, including therapy sessions, may be covered, though there might be limitations on the number of sessions or a need for prior authorization.
• Student-Specific Benefits:
 As a student, you might qualify for additional services like discounts on sports programs, and discounted or fully covered vaccinations needed for exchange programs or internships abroad.
• How to Check Coverage:
  – Contact your health insurance provider directly for a list of covered vaccinations and services.
  – Many insurance providers have detailed information available online or in apps.
  – Your Hausarzt can guide you on what’s covered and administer the necessary vaccinations.

By taking these steps and staying informed, you’ll navigate Germany’s healthcare system with confidence!