DAAD Health Insurance Guide
DAAD scholars get health, accident and personal liability insurance as part of the award. Here's what that package covers — and the gaps you need to plan for yourself.
ScholarshipUnion Editorial
1 min read
Updated Oct 5, 2026
What is covered
In most programmes DAAD takes out private health insurance for you and pays the premiums, plus accident and personal liability cover. You must be insured from your first day in Germany. The list below is typical cover; your policy terms decide the details.
- Doctor visits and hospital stays
- Prescription medications
- Emergency treatment
- Accident insurance
- Personal liability insurance
What is not covered
A few things fall outside the package. Know them before you arrive.
- Dental work beyond basic treatment (check your policy)
- Removal of cosmetic defects and treatment of anomalies
- Some pre-existing conditions: HIV, multiple sclerosis, haemophilia, cancer (including leukaemia) and chronic kidney disease
- Childbirth within the first 8 months of cover
Bringing family?
Family members are not automatically covered. If your funding runs longer than six months, DAAD can provide insurance benefits for a spouse, registered partner and children under certain conditions. Ask DAAD before they travel.