Health Insurance for Your Stay Abroad in Germany

As a matriculated student at a state or state-recognized university under the age of 30, you can insure yourself in the statutory health insurance. If you are older than 30, you can apply for private health insurance. Private health insurance is also possible for doctoral students (without an employment contract) and for participants in preparatory language courses and guest researchers.
With VELA, you can take out the necessary insurance cover simply and easily online. To help you find the tariff that suits you best, we have compiled the most important information for you.

Our recommendation: The VELA Optimal tariff. With this one, you are prepared for any emergency and don't have to worry about insurance coverage in case of illness. The insurance covers, among other things, out-patient and in-patient medical treatments without a limit on the sum (without a limit on the sum means that in the case of ambulatory or stationary medical treatment you do not have to worry that the insurer will only pay up to a maximum limit per year), aids as a result of an accident, protective vaccinations for children, pain-relieving dental treatments as well as repairs of existing dentures and dental prosthesis benefits. In addition, you will receive benefits for medically necessary pregnancy treatment as well as for prenatal examinations and childbirths.

The Optimal tariff includes not only the highest maximum sums reimbursed by the insurance in case of emergency, but also the further advantage that even out-patient preventive examinations for the early detection of diseases and visual aids are insured.

A unique highlight of VELA are the out-patient psychotherapeutic treatments, for which you also receive a refund.

If you prefer it a little cheaper, choose the Basis-variant, which offers comprehensive insurance cover at good conditions. With this tariff, you receive, among other things, benefits for out-patient and in-patient medical treatments without a limit on the sum, aids as a result of an accident, pain-relieving dental treatments as well as repairs to existing dental prostheses and dental prosthesis benefits. The insurance also covers medically necessary pregnancy treatment as well as prenatal examinations and childbirths

In comparison to the Optimal tariff, some maximum replacement benefits are lower, and in addition, for example, vaccinations for children, visual aids and preventive medical check-ups are not covered.

Important: The Basis tariff also includes out-patient psychotherapeutic treatments.  

With the VELA-Light tariff, you choose the slimmed-down version that offers you basic insurance cover. The insurance covers, among other things, out-patient and in-patient medical treatments without a limit on the sum, aids as a result of an accident and pain-relieving dental treatments. However, many benefits are excluded from the insurance cover of this one, which is why we recommend the Optimal or Basis tariff. In addition, with VELA Light you must pay € 50.00 per case out of your own pocket. Nevertheless, the monthly contribution of the Light tariff is of course also the lowest.

You can read the exact scope of insurance in our insurance conditions.

If you want to be on the safe side, our liability/accident insurance is the best choice. With this insurance, you will be insured twice: on the one hand with the liability insurance and on the other hand with the accident insurance.

Imagine sitting with your fellow students in the cafeteria while studying and accidentally spilling your coffee over your neighbors’ laptop. Such an accident can happen easily and be very expensive. According to the law, you are now obliged to compensate your neighbor for the damage caused. In this case, the damage is covered by our liability insurance for you.

Such accidents happen faster than you’d think. They can occur during university sports, on the road or even at home. The accident insurance pays an insurance benefit to you or your surviving dependants in the event of disability or even death.

Just like with our health insurance, you can choose the tariff that suits your needs best. The VELA Comfort tariff offers more comprehensive benefits than the Compact tariff, but is also slightly more expensive. For example, the Comfort tariff offers higher insurance sums and also the loss of keys is insured up to € 250.00 with the liability insurance. In addition, the Comfort tariff even offers up to € 5,000.00 for rescue costs and cosmetic surgeries in case of an accident.

All further details can be found in the insurance conditions.

Which tariff you choose depends on your personal situation, your affinity for risk and of course on what you are prepared to pay monthly. If you have any more specific questions about the scope of services or the tariff differences, please feel free to contact us at any time.

In order to be optimally insured in the event of illness, we recommend the Optimal tariff. It is particularly important to have comprehensive health insurance, especially with the aliens department to obtain a residence permit.

Once you have decided which tariff is best for you, you can apply for cover online. You can combine the Light health insurance tariff with the Compact liability/accident tariff. VELA Basis and Optimal can be combined with the liability/accident tariff Comfort.

All you need to do is enter your personal data (e.g. name, address, date of entry, purpose of your stay) and your payment details - and you can insure yourself with VELA. If you have any questions or difficulties, please do not hesitate to contact us. Just give us a call, write an e-mail or chat with us. We are happy to help you.

UNION Versicherungsdienst GmbH

Ecclesiastraße 1-4
32758 Detmold
Germany: 0800 6036039
International: +49 5231 603-6390
Email: info@vela.insure