DR-WALTER Health Insurance: All You Need To Know

Choosing health insurance is a complicated process in Germany, especially if you are a foreigner and don’t speak German. In this situation, the insurance provider DR-WALTER will serve you the best since they focus mainly on foreigners who come to Germany.

DR-WALTER is one of the oldest insurance companies in Germany, providing locals and foreigners with various coverages. This insurance company offers policies for Germans abroad and foreigners in Germany. So if you are looking for reliable health insurance in Germany, this is a good choice.

This article is dedicated to the insurance provider DR-WALTER. They offer health insurance coverage for foreign guests, students, and workers in Germany. If you are considering taking out one of their policies, this guide will be helpful.

German health insurance from DR-WALTER

There are many various coverages provided by the company DR-WALTER. The information below will help you pick one suitable to your current situation and needs.

The best thing about insurance from DR-WALTER is that you can sign and receive it online. Yes, you heard it right, no office visit is needed, meaning you can organize it from the comfort of your home and abroad.

It’s crucial because you will need to present German health insurance for all German visas and later residence permits, but how are you supposed to get it in your home country?

Here DR-WALTER comes into play: they will email you insurance after submitting the application and paying for the package.

1. EDUCARE24 – health insurance for students

EDUCARE24 is the simplest and easiest insurance for students and not only them in Germany. Particular groups of people can take out this package, including:

  • language students,
  • university students
  • interns
  • guest researchers

All persons with foreign nationality younger than 69 years planning to stay in Germany temporarily can apply for EDUCARE24.

The insurance application can be submitted up to one month after entry or the start of classes, the beginning of studies, the beginning of internships, the start of teaching, and research activities (or whatever you are planning to do in Germany).

Better if you request the insurance before you apply for your German visa so you will be set from the beginning.

Moreover, EDUCARE24 isn’t only health insurance but private liability insurance, accident insurance, and even insurance in case of deportation. Almost all coverages from DR-WALTER combine those insurances we just have mentioned.

With that said, your stay in Germany will be fully covered. They have minimum health insurance coverage of 30,000 EUR, which meets the government’s conditions. This insurance is adjusted to the visa requirements and all other packages provided by DR-WALTER.

Proof of health insurance is also needed for the residence permit that you must apply for after arrival to Germany. EDUCARE24 fulfills all required criteria.

Your advantages with EDUCARE24:

  • coverage meets authorities’ requirements
  • health insurance without deductible
  • insurance coverage valid in your home country (up to 6 weeks)
  • get your insurance card
  • direct billing with doctors is possible


up to 39 years old33 €37 €41 €59 €
after 19. months of coverage50 €54 €59 €85 €
up to 69 years old54 €58 €69 €83 €
after 19. months of coverage110 €114 €120 € 130 €
*All prices mentioned per month

2. German Student Insurance

This health insurance for students is equal to the public statutory insurance policy. The coverage is more extensive and comparable to the public one, meaning costs for all common treatments will be reimbursed.

Usually, the conditions for taking out German public health insurance include having a German bank account and a German residence address.

However, GERMAN STUDENT INSURANCE from DR-WALTER doesn’t have such requirements, and you can apply for it from abroad without having a German bank account or a residence in Germany.

GERMAN STUDENT INSURANCE is the right health insurance coverage for the entire duration of your studies in Germany. For a time before your studies, you can apply for coverage EDUCARE24 from DR-WALTER.

Here are all benefits of German Student Insurance:

  • meets all visa requirements
  • the application can be made from abroad
  • full protection equal to the statutory health insurance
  • direct billing with doctors and hospitals

TK (Techniker Krankenkasse) is a partner insurance company of DR-WALTER and one of Germany’s largest public insurance providers.

They will take care of you if you choose German Student insurance. What are the benefits of health insurance with TK?

  • direct billing with doctors and hospitals without advance payment
  • medical, dental, and psychotherapeutic treatment
  • treatment for the early detection of diseases
  • treatments for the prevention and alleviation of diseases, as well as for contraception and abortion
  • supply of medicines, bandages, remedies, and AIDS
  • treatment of pre-existing diseases
  • inpatient treatment in the hospital without a time limit
  • treatments of spouses and children
  • insurance is easily extendable in case you extend your studies period

Students can only take this insurance after university enrolment, and studies start. Before this, they can take out previous insurance – EDUCARE24.



The contribution for German Student Insurance – statutory health insurance is 105,05 EUR per month. This is the minimal price you will pay for public health insurance in Germany.

After you arrive in Germany and your studies start following rates will be applied:

[table id=13 /]

Unfortunately, according to German law, students who are 30 or older can’t take out this insurance. For these students, EDUCARE24 XL is the right insurance choice for the entire study period.



Students from their 30th birthday and onwards can’t take out statutory student health insurance, hence the EDUCARE24 XL will be a good alternative.

EDUCARE24 XL is all-around protection from health insurance, accident insurance, personal liability insurance, and insurance on deportation costs, as well as meets all official requirements.

The insurance can be taken for up to 4 years and offers you, among other things, preventive benefits within the scope of statutory premiums (e.g., dental care).

What is included in EDUCARE24 XL?

  • health insurance
  • liability insurance
  • accident insurance
  • deportation insurance


[table id=17 /]

Is EDUCARE24 XL insurance only for students?

No, the package EDUCARE24 from DR-WALTER can be taken out by different groups of people, such as international students, exchange students, trainees, language students, and researchers.



STUDENT-PLUS is insurance suitable for students and doctorates aged up to 34 years who wish to complete a part of their education in Germany abroad (outside of Germany).

With this package, they will be insured for up to 5 years while living abroad.

What is included?

  • comprehensive protection for up to 5 years
  • easy online application

STUDENT-PLUS is excellent insurance if you, for example, do an Erasmus program in terms of studies at a German university.

You should take out this insurance for your entire stay abroad before leaving Germany. Keep in mind the insurance is valid worldwide but not in Germany. For a stay in Germany, opt for premium EDUCARE24.

There are different plans to choose from depending on the coverage:

  1. STUDENT-PLUS S: only health insurance
  2. STUDENT-PLUS M: health insurance, personal assistance, personal liability, and accident insurance
  3. STUDENT-PLUS L: health insurance, personal assistance, personal liability insurance, accident insurance, and luggage insurance
  4. STUDENT-PLUS Z: personal assistance, personal liability, accident, and luggage insurance

Usually, it’s enough to take out STUDENT-PLUS’s basic plan for the visa requirements.

Advantages of STUDENT-PLUS:

1. STUDENT-PLUS protects not only your health but also saves you money in case of accident, liability, issues with luggage, and other unlucky events.

2. It includes comprehensive assistance services: a 24-hour emergency number, support and organization for upcoming hospital stays, and possible repatriation, as well as assistance with legal problems and the loss of means of payment.

Other benefits of STUDENT-PLUS:

  • all-round insurance abroad
  • no deductible


Price ranges depending on whether a stay in USA or Canada is included. So, the monthly fee for STUDENT PLUS without USA or Canada:

[table id=14 /]

Price without coverage in USA or Canada:

[table id=15 /]

5. AU-PAIR24

AU-PAIR24 is the best health insurance for Au pairs in Germany. Usually, the hosting family of the incoming Au-pair takes care of the insurance. For only 39 EUR per month, they can ensure that their guest will be safe in the new country.

With this insurance, Au-pair can apply for a visa at the German embassy. The application can be made online, and the insurance policy will be emailed to you directly.

During the stay in Germany, the insurance covers all acute treatment of newly occurring diseases and unpredictable treatments of pre-existing conditions.

Additionally, the Au pair will be covered with liability insurance if something happens. This accident includes personal injury caused by the Au pair to parents, children, or other persons living in the household and damage to third parties.

All this is covered with AU-PAIR24 up to the respective maximum amount.

AU-PAIR24 includes not only health insurance but also:

  • liability insurance
  • accident insurance
  • deportation costs insurance


You can choose between two monthly contributions: 39 EUR and 44 EUR. A more expensive option will provide more extensive coverage.

About company DR-WALTER

DR-WALTER had been around for a while. Sixty years of experience in the insurance business speak for themselves. A company of 60 employees provides various products, from student health insurance to blocked banking accounts.

They specialize in products for foreign guests, people who come to Germany to study, do internships, work as an Au Pair, or as guest researchers.

You can find insurance by DR-WALTER for any need and budget. They have made the application prozess straightforward, which is not typical for german insurance providers.

You will receive a policy via email almost immediately after completing the application.

Additionally, all insurances from DR-WALTER fulfill the criteria of comprehensive private insurance required by the government of Germany and other European countries.


DR-WALTER – best value for your money

Insurances of DR-WALTER are one of the cheapest in the German market, with comprehensive coverage and responsive customer support. Moreover, all insurances meet the German embassy’s requirements, allowing you to apply for your visa.

The application process is straightforward, and almost all insurances can be taken out online and received via email.

The price-value ratio is excellent. Imagine you can have student health insurance for only 33 EUR per month and be able to use medical services to a similar extent as an owner of public health insurance who pays over 100 EUR per month.

DR-WALTER wins when it comes to the prices and what you get for this. Moreover, you don’t need to pay for additional coverages like liability and accident insurance because they are all included in your package.

If you want to save money on unnecessary insurance while staying in Germany, DR-WALTER is the way to go!


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