Medical Insurance

For the time of your stay in Germany, it is mandatory that you have medical insurance coverage. According to the type and conditions of your stay at DESY, you can insure yourself in different ways:

 

1.. You are (going to be) a regular employee of DESY:
You will be insured through one of the statutory health insurance funds (Gesetzliche Krankenkasse), such as AOK, Techniker Krankenkasse, DAK and others. You typically apply for membership upon arrival.

Your accompanying family members (as long as they are not employed and don’t have any other income) can be co-insured without any additional costs.

 

2. You are a guest scientist, a Ph.D. student receiving a scholarship, or a DESY summer student:
In this case, you will have to register with a travel insurance. Some insurance products are designed especially for foreign guest scientists and their family members. To avoid problems with your visa extension in Germany, we strongly recommend that you register with a German insurance. For some insurance suggstions please see the link below.


 

All insurances of this type are limited in their coverage. Dental treatment, for example, is limited to a maximum yearly amount, and treatment of pre-existing conditions will not be paid. Consult the insurance's tariff information to be aware of the range of coverage!

Please consult us before taking out any of the insurances.

In some cases it is possible to be insured by a public health insurance as a scientist (the cost will constitute approximately 18,5% of your gross income; the minimum cost is 180 Euro). Please contact us for more information.


3. You are a guest scientist, delegated from an EU country:
You remain insured with the health insurance system of your home country. In order to have access to emergency medical treatment in Germany, you should arrange for issuing of a blue-and-white European Health Insurance Card (EHIC).
For longer periods of delegating to Germany, you should obtain the "S1" certificate from your national health care provider to ensure full access to medical services here.