Insurances

On this page you can find information on the insurance-legal situation of doctoral candidates.

Health insurance

Unlike undergraduates, doctoral candidates are not automatically members of the public health insurance system in Germany. Depending on how your doctorate is funded, there are various health insurance options.

  • Academic employees are automatically enrolled in the German public health insurance system. Health insurance contributions are automatically deducted from one's salary.
  • Doctoral candidates with scholarships or other types of funding can opt to subscribe to public health insurance or take out a private health insurance policy.
  • Doctoral candidates with a limited taxable income of under 450 EUR a month can be insured through their spouse's family health insurance plan, as long as their spouse earns an income which is liable for social security contributions and has public health insurance.

It is recommended to compare premiums, benefits and services of different health care providers. Doctoral candidates with a scholarship by the DAAD or its partner organisations (i.e. DFG) are eligible for the DAAD group insurance scheme which combines a private health, accident, and liability insurance. More information

International doctoral candidates
The immigration authorities require that you provide evidence of having adequate health insurance in Germany before you can obtain a residence permit. Please note that you must have insurance coverage from your first day in Germany. For international doctoral candidates, the GA has compiled special information. Our leaflet explains for example the differences between statutory (public) and private health insurance in Germany: Health insurance in Germany (PDF) (as of January 2013).

A brochure of the city of Jena regarding the knowledge of foreign languages of doctors and physiotherapists who are registered in Jena can be found here (Effective December 2010).

Further information
You can receive general information on statutory health insurance in Germany at the Bürgertelefon des Bundesministeriums für Gesundheit (German) or find it on the pages of the German Social Insurance (English). The union "Erziehung und Wissenschaft" (Education and Science) has additionally assembled an adviser on the social security of doctoral candidates.

Accident and liability insurance

The statutory accident insurance offers a broad insurance coverage to insured people in the case of a work accident or an occupational illness. Once again, the legal situation depends on the precise status of the doctoral candidate.

  • Enrolled doctoral candidates are insured under statutory accident insurance in the immediate sphere of influence of the University or on the way there. They also have accident insurance courtesy of the Thuringian Studierendenwerk, which covers them during their leisure time. Information on the extent of insurance coverage can be found here.
  • Academic employees are insured under statutory accident insurance in the immediate sphere of influence of the University or on the way there.
  • Who is neither enrolled nor employed at the University does not possess any accident insurance coverage. In this case we advise the arrangement of a private accident insurance. Doctoral candidates with a scholarship by the DAAD or its partner organisations (i.e. DFG) are eligible for the DAAD group insurance scheme which combines a private health, accident, and liability insurance. More information

Every doctoral candidate is responsible for clarifying their own insurance situation, considering their personal insurance needs, and taking out additional private insurance policies as necessary.

Personal liability insurance

This insurance covers damage to people or objects as a result of your personal actions. The legal situation the legal situation depends on the precise status of the doctoral candidate.

  • Research assistants possess indemnity insurance coverage (within the immediate reach of the University) through the University.
  • Who is not employed at the University does not possess any indemnity insurance coverage. As a general rule, we strongly recommend that you take out personal liability insurance. Doctoral candidates with a scholarship by the DAAD or its partner organisations (i.e. DFG) are eligible for the DAAD group insurance scheme which combines a private health, accident, and liability insurance. More information

International doctoral candidates:
Please find out whether you have personal liability insurance in your home country, which is also valid in Germany.