Health care services
Germany is widely known for having one of the best health care systems in the world. A broad range of hospitals, medical practices and institutions guarantees low-cost medical care for everybody under Germany’s national social security scheme. HTWK Leipzig, like most German universities, does not offer any on-campus health care services of its own, but the Leipzig University Hospital and a dense network of general practitioners and specialists are there to serve the health care needs of the city’s population.
As an international student, you will be treated on the same basis as a resident of Germany. However, you are legally required to have sufficient health insurance coverage. If you decide to take out a health insurance policy with a public German insurance provider, most types of medical and dental treatments will be covered for a low monthly fee of about €66. This means you don’t have to pay anything for treatment when seeing a doctor or dentist, except for a fixed consultation fee of €10 per quarter, which is non-refundable. By contrast, if you decide to take out private health insurance, either in your home country or in Germany, you will need to pay your medical bills in advance and later file for reimbursement with your insurance provider.
Should you become seriously ill and require treatment at a hospital, the hospital will contact your public or private insurance provider to confirm that your treatment costs will be met. With public German insurance providers, this will generally be the case, especially in emergencies. You will have to pay a fixed charge of €10 per day for a maximum of 28 days in a year. This is non-refundable in Germany, but you may be able to seek reimbursement from your private insurance provider at home.
Medicines and bandages prescribed by a doctor or dentist can be obtained in any pharmacy in exchange for the prescription. You will have to pay 10 per cent of the cost subject to a minimum charge of €5 and a maximum charge of €10. These costs are not refundable. For minor drugs and medicines, such as painkillers and cough mixtures, you may be charged the full amount. Note that the sale of medication is strictly regulated in Germany: some drugs that you may be able to buy over the counter in your home country, such as antibiotics, may only be prescribed by doctors here.
Last update 8 April 2011