Our insurances and insurance concept
The Studierendenwerk fee, which students pay to the Studierendenwerk, also includes a number of insurances for damages incurred in connection with their studies - on excursions, during internships or in normal university life, for example if the bicycle changes hands outside during the lecture. And a leisure accident insurance mitigates the consequences, if it's a leg fracture.
All students enrolled at a university under Student Services Freiburg’s jurisdiction have a liability insurance. It applies to activities that take place within university grounds and which are directly related to a students studies or occour in authorised extracurricular activates. The insurance also applies to students participating in work experience or internships that are required for their study programme.
- Coverage is up to €7500 per occurrence
- It covers items such as laboratory equipment
- It does not apply to damages amounting to less than €25.
Please note that this is only a subsidiary insurance. The student’s or parent’s liability insurance remains the main coverage if damage amounts to more that €100.
New: If an individual's private liability insurance will not cover the damage, one can make a claim at Student Services, and present the claim denial issued for the private institution.
Enrolled students under the jurisdiction of Student Services Freiburg wanting to do an internship or semester abroad can apply for an insurance certificate. Many companies or universities require such a certificate. For more information see below.
Although many accidents are covered under the main insurance, Student Services Freiburg has organised additional private accident insurance for all students under their jurisdiction. The insurance includes activities outside of university, at home and abroad.
The protection also covers holiday trips, internships and graduate work at foreign universities and research institutions.
Enrolled students under the jurisdiction of Student Services Freiburg that want to do an internship or semester abroad, can apply for an insurance certificate. Many companies or universities require this certificate. For more information see below.
Bicycle or laptop been stolen? What now?
Theft cover or damage cover is provided within University grounds. E.g. your bicycle. The insurance covers general items such as:
- clothing, helmets, books, glasses,
- stationary and laptops that might be stolen during a lecture.
The protection is only valid when items are placed in safe places such as your locker. Items that are left on campus are not covered. Items are covered up to €250. Bicycle insurance protects your bike from theft and damage on campus during opening hours. Bicycles must be properly locked. For students living in dormitories there is bicycle insurance. It covers bikes locked up and in the designated area. This insurance covers bikes up to €500.
Please note: In cases when a designated area is available for storage, students must keep bicycles there.
What you should do if your bicycle is stolen!
The Student should go immediately to the local police station and fill in a police report. Make sure you get a proof of theft document.
1. Students should go to the found bicycle storage five weeks later to see if it has been found. Bring the proof of theft document with you. In cases where your bicycle has not been found you must get a certificate of insurance (at a cost of €8)
For Address and Opening Hours klick here.
2. Fill out a damage report Damage report (PDF, right side, Downloads) and give it to the social counsellor at Student Services along with the proof of theft document, certificate of insurance, university registration and if you have it the bike receipt.
Household insurance is provided for all residents of Student Services’ dormitories. Damage caused by burglary, fire and water is covered. Student’s items are covered up to € 2854. Items are only insured in the living quarters of the residence.
Glass breakage and "natural hazards" (floods, floods, landslides or subsidence) are not insured.
Note: A burglary occurs when a forced entry has been made into a locked apartment or room. Theft from an unlocked apartment or a room is not insured.
If you have questions concerning our household insurance, please contact Mrs. Wedler, details see right.
Enrolled students under the jurisdiction of Student Services Freiburg that want to do an internship or semester abroad can apply for an insurance certificate. Many companies or universities require this certificate.
For the certificate, E-mail the following information to our social counselor:
1. Surname and first name
2. Date of birth
3. Home address (address in Germany)
4. Location of the internship, work experience or study abroad
5. Exact name of the institution
6. Exact duration of the internship, work experience or study abroad (Start – Finish)
7. Declaration of your agreement that we process your data to the insurance company.
No cover is provided for internships done through students’ own initiative.
For internships in the United States or Canada you will need a personal liability insurance because the student liability insurance is not accepted.
All students, both Germans and students from abroad, must take out health insurance in Germany in order to be admitted to study. During your studies, there are different ways to have (statutory) health insurance:
- through family insurance,
- via a special student health insurance or
- voluntary health insurance for students.
Especially for foreign students, we recommend a statutory health insurance, because there students up to the age of 30 get a favorable student tariff. In the case of private insurance, the insurance conditions and exclusions must be carefully checked!
Students are generally subject to health insurance. Students who are covered by private health insurance and wish to be exempted from student health insurance must submit a confirmation of their private health insurance to a statutory health insurance fund and apply for "Exemption from compulsory student insurance". Attention: This exemption is valid for the entire period of study. The exemption notice must be presented with the documents for enrolment.
During your studies, there are different ways to be covered by health insurance: either by family insurance, by special student health insurance or by voluntary health insurance for students.
Students are not subject to health and nursing insurance if they have family insurance. Normally, students can take out family insurance free of charge up to the age of 25 (normally up to the age of 27 in the case of privately insured persons), i.e. they do not have to pay their own insurance contributions. However, this only applies if their total monthly income does not exceed € 470. An extension of the statutory family insurance is possible for up to one year, e.g. due to military service or voluntary service.
Students who are no longer covered by family insurance are required to take out student health and long-term care insurance. This exists until the end of the 14th semester, at the latest until the end of the semester in which the student reaches the age of 30. Beyond this point in time, the insurance obligation may continue to exist if the type of education, family reasons or personal reasons (e.g. second chance of education, longer illness or birth as well as care of a child) justify exceeding the age limit or a longer period of study. The statutory health insurance funds offer a special student rate:
Since 01.10.2019, the monthly contributions to the statutory health and nursing insurance for students under 23 years of age have been 98.73 €. Students who are over 23 years old and have no child have to pay 100,59 €. Many health insurance funds also charge an additional fee, which varies from fund to fund.
If you are looking for more information just contact our Social Counsellors.
All students must be insured against illness in Germany. We recommend that you register with a statutory health insurance company. They grant a favourable student rate up to the completion of the 30 year. If you meet these requirements, the statutory health insurance company is obliged to insure you at the student price. Except for a small amount, this health insurance covers the costs for medical treatment and prescription drugs. Attention: Costs for dental prostheses are usually not completely covered by the health insurance!
Students from EU countries who have a "European Health Insurance Card" (EHIC) must present their card to a statutory health insurance company (AOK, Techniker Krankenkasse, etc.). You will then receive a certificate stating that you are exempt from compulsory insurance.
Attention: if you are insured via the EHIC and take up a job in Germany, you usually have to take out health insurance in Germany! Please clarify this with your health insurance company.
If statutory insurance is not possible, insure yourself in a private insurance. Here you can get more information:
Deutsches Studentenwerk - Information for international Students: Health Insurance.
If you have any questions about health insurance, the Social Counseling Service of the Studierendenwerk can certainly help you.
As a matter of principle, Students are subject to take out health insurance. Students and university applicants who have taken out private health insurance and wish to be exempted from the statutory student health insurance must submit a confirmation of their private health insurance to a statutory health insurance company and apply for "exemption from the compulsory insurance of students". Attention: This exemption is valid for the entire duration of studies. The exemption form must be presented when enrolling at the university.
During your studies, there are different health insurance options: either through family insurance, through a special student health insurance or through a voluntary health insurance for students.
Students who are insured through their family’s health insurance are not required to take out personal health and nursing insurances. Normally, students can take out family insurance until they reach the age of 25 (usually up to the age of 27 in the case of privately insured persons), i.e. they do not have to pay their own insurance dues. If the studies are interrupted or delayed because of military or community service, there is the possibility for an extension of family insurance coverage for the time period corresponding to the service. One condition for being insured through family insurance is that your monthly income from not self-employed work does not exceed 450 euros. Your income from self-employed work, rent and earned interest must not exceed 470 euros.
Students who are no longer covered by family insurance must take out their own student health and nursing care insurances. This offer is valid at the latest until the end of the semester in which the student reaches the age of 30. Beyond this point in time certain conditions, such as the type of training, family reasons or personal reasons, may justify an extension of the age limit or an extension of the maximum duration of studies. The statutory and private health insurance funds offer special student rates.
Detailed information can be found on the homepage of the AOK for example.
Statutory accident insurance
Students are covered under the Social Act ‘SGB VII’. This accident coverage only applies to students who are registered at an accredited University or other tertiary educational facility. This is provided by the state.
Insurance cover is provided:
- during lectures and seminars
- revision courses and field trips
- public libraries
- in different sports at the University
- activities of the student body and other university related activities
Accidents that occur on campus or on the direct route between home and university or during university sports must be reported to the University Secretary.