Our health insurance abroad - for Erasmus students abroad

The EU's Erasmus funding programme is open to students of all disciplines who are regular students at a participating higher education institution. Students from EU countries and some non-EU countries(Programme Countries) can participate in all actions of the funding programme. From other partner countries only under certain conditions. The costs for the Erasmus funding program are paid from the EU budget (Euro). Meanwhile, almost 40% of all students travel abroad for one or more semesters or complete an internship there.

How can I apply as an erasmus student?

The Erasmus coordinators at the college or university provide application information as an Erasmus student for all students. Important questions are: Which country, which uni and how it is funded. What are the motivations for applying and what are the language skills. Whether it works out with the application also depends on the availability of places, which should be taken into account when choosing the three desired destinations - as an alternative, definitely consider a smaller host university.

Who pays for Erasmus?

Scholarship holders do not pay tuition fees but receive a monthly grant starting at 490 euros - depending on the country. Erasmus funding is tax-free. The costs for the Erasmus program are financed from the EU budget (euro).

In European countries with which a social security agreement exists, you are covered by your statutory health insurance. For this purpose, the European Health Insurance Card (EHIC) of your health insurance company is required. However, this cover does NOT apply to countries that are not in Europe or do not belong to the EU.

In case of sudden illness abroad and if you are dependent on medical care or in case of an accident where you have to be treated in hospital, the health insurance from your home country often does not cover you. If you do not have the appropriate travel insurance, you may be faced with costs in four or five figures, which is not uncommon in the USA, for example.

Our tip: before starting your semester abroad, check exactly which services are covered and which are not. This way, you can ensure that you have sufficient health insurance abroad that is tailored to your individual needs and, in particular, to the duration of your stay abroad.

► Choose health insurance

• Cost absorption for medical treatment abroad (outpatient/inpatient)
• Cost absorption for medication
• Additional costs for repatriation of sick persons incl. baggage repatriation
• repatriation of the insured in case of death

• age up to max. 34 years
• maximum duration 5 years
• in case of premature departure or return, almost all tariffs are billed on a daily basis
• The insurance must be concluded before the start of the journey!

Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.