Statu­tory health insurance with DAK-Gesund­heit

Vier Personen stehen um einen Tisch herum und besprechen sich.

DAK Gesund­heit

  • Top services and apps online
  • Health bonus of up to € 75 per year
  • Rated as top performer for insuring families and young professionals
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At a glance

As one of the largest statutory health insurance companies in Germany, our partner DAK-Gesundheit gives you peace of mind when it comes to health and cases of illness.

HanseMerkurs's partner DAK-Gesundheit is a top-rated German insurance provider committing itself to provide the best service to all customers. With top rates for students, families and professionals you can profit from DAK-Gesundheit's experience and service.

About DAK

As one of the largest statutory health insurance companies in Germany, our partner DAK-Gesundheit gives roughly 6.3 million people peace of mind when it comes to their health and illness. You can handle a host of matters simply online at www.dak.de in a special data-protected area. Via online chat, DAK-Gesundheit advisors answer all your questions Monday to Friday from 8 a.m. to 8 p.m.

The DAK-Gesundheit also has service centres located near all major cities, so your direct path to a contact person is never far. On request, a DAK-Gesundheit advisor can come to you at home – or you can contact us via phone 24 hours a day. This includes both medical consultation and questions centred on DAK-Gesundheit’s offers. This comprehensive service is certified by TÜV (German Technical Inspection Agency) and has already been distinguished with several awards from consumer magazines.

  • Health bonus of up to € 75 annually for students.
  • We reward fitness! Simply collect points and exchange them for bonus gifts or for up to € 75. You can gain points for many things that make you fit and healthy, for instance frequent training in a sports club, vaccinations or preventive health measures.
  • Money back: € 65 annually.
  • Your health pays off! Are you healthy from head to toe and do not need any medical treatment apart from the recommended preventive examinations? Then you can receive up to € 65 back every year.
  • Foreign travel health insurance, Global Assist Card and additional protection during your travels You're protected with us. Our services range from vaccinations before beginning your travels to a free European insurance card. What's more, we offer the Global Assist Card, which ensures assistance via phone – regardless of where you are in the world. On top of that, you can benefit from additional protection during your travels at exclusive, affordable conditions via DAK-Gesundheit.
  • Top services and apps online.
  • Ingeniously digital: apps for a healthy life and conscientious nutrition. Or apply online, change your address, download any certificates – it's all easy at www.dak.de. You will then receive information from us via your personal online inbox.
  • Sports medicine hotline: +49 40 325325800.
  • Have you been injured during sports? Do you need a professional second opinion? Are you planning on starting up training again after an injury? Our sports physicians give you professional advice: 24 hours a day, 365 days a year.
  • Up to 100% reimbursement for dental prostheses.
  • When it comes to necessary dental prostheses, in many cases we reimburse all costs. And if that shouldn't be possible, you'll profit from special conditions provided by our partnering dentists and be able to choose the best value-for-money from over 350 laboratories.

Frequently asked ques­tions

Who's eligible for cover?

Foreign nationals who are temporarily living in Germany.

Statuary Health Insurance with DAK-Gesundheit is tailored to foreign nationals who are temporarily living in Germany and do not want to insure themselves through private health insurance.

What should I do if I need to claim?

Please immediately contact your insurance partner.

We won't wish for it, but in case something happens and you will need to claim on your health insurance, please try to keep the injury or illness to a minimum and avoid doing anything that could increase costs unnecessarily.

Please immediately contact your insurance partner and fill in the claim report form completely and truthfully. The insurers will then get in touch with you if they need more information than already provided.

Will I have to pay any excess charges?

No.

No. In case you are ill and have to visit a physician or are admitted to hospital, the costs for medical treatments are settled directly with the health insurer. You will not have to pay anything, just show your electronic health insurance card and everything will be fine.

What benefits does the insurance cover?

Comprehensive cover.

Your DAK-Gesundheit statutory health insurance for foreign visitors covers the costs of inpatient hospital treatment, of medicines and dressings prescribed by a doctor and medically advisable ambulance services.

It also covers the costs of a range of dental treatment, medically prescribed massage and physiotherapy. You will find a complete overview on DAK-Gesundheit's website.

What isn't covered by the insurance?

Claims resulting from injury caused deliberately by the insured.

Though most of the illnesses are covered through your DAK-Gesundheit statutory health insurance, it excludes claims resulting from injury caused deliberately by the insured. This could include illnesses or accidents caused on purpose and treatment as a result of a suicide attempt.

How much does the DAK-Gesundheit statutory health insurance cost?

In Germany, the basic price for a statutory health insurance is always the same.

In Germany, the basic price for a statutory health insurance is always the same – no matter which insurance company you chose. However, you can include some additional benefits in your health insurance if you wish. Our partner DAK-Gesundheit's service team will help you find a package tailored to your very individual needs. You can find further information on this here.

How much money may I earn during my study?

You may exercise an employment in addition to your study under certain circumstances.

As an ordinary student, you may exercise an employment in addition to your study if the employment

  • is not exercised for more than 20 hours a week or
  • is limited to 2 months or
  • is limited to the university holidays.

If these limits are exceeded, you will no longer be considered a student but an employee, and thus be subject to corresponding statutory social insurance.

Before starting employment, we recommend you get in contact with the insurance company in order to find out if there will be any problems resulting from starting your student job.

Who's the insurance partner?

DAK-Gesundheit

HanseMerkur collaborates with famous German insurance provider DAK-Gesundheit in order to offer you excellent statutory health insurance. If you have any questions, do not hesitate to contact them.

Who can help me if I've got further questions about the insurance?

Contact data.

Send an email or ring the following service hotline. One of DAK-Gesundheit's expert staff will be happy to help.

email: vertrieb@dak.de

Service hotline: +49 (0) 69 - 710 422 710 01

(opening hours: Monday to Friday – 8 am to 4 pm)

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