Please note that the deposited conditions for new contracts are effective per January 01st, 2014. For contracts started before January 01st, 2014 you will find the appropriate terms/information in the password protected login area.
You stay as a foreign national temporarily in Germany and belong to one of the following groups:
  • matriculated students
  • Ph.D.students
  • participants in a language proficiency course preparing for enrollment in a German university
  • persons who hold an admission notice, that entitles them to commence studies at university, or confirmation of participation in a course, which entitles them to commence a language proficiency course in Germany. (You obtain insurance protection for the period of four weeks after entry, if you hold such a document. The matriculation in university has to be effected within this period of time. The same period applies for the commencement of a language proficiency course preparing for enrollment in a German university.)
  • graduates, who successfully completed their studies or their conferral of a doctorate in Germany, and who are allowed to stay in Germany for up to 12 months for the purpose of commencement of an employment according to the German Immigration Act. (Requirement: you have been previously insured for at least one year under the tariff SKV Optimal or Base. A renewal is only possible under the tariff SKV optimal.)
  • insured's non-working family members and children under the age of 18.
We offer comprehensive insurance coverage on favorable terms.

The Module Base includes the necessary primary health care and is appropriate for a short-term stay in Germany (1 - 2 Semesters). The Module Optimal offers extended coverage and is appropriate for longer stays in Germany, especially if you wish to co-insure your family (spouse and children). For further information please refer to the flyer and the detailed information brochure and tariff overview . For direct accounting with the treating practitioner/dentist, you may present the data sheet for the practioner, Module SKV Base, or the data sheet for the practioner, Module SKV Optimal to your treating practitioner

Insurance coverage automatically terminates at the age of 45.

The maximum insurance period is five years.

Next Steps:

Here you will find detailed information on the scope of insurance cover and other regulatory framework.