It’s compulsory for international students to have a medical insurance. It will cost about €110 to €140 monthly.
You can buy insurance from companies such as Allianz SE, Deutsche Krankenversicherung (DKV) and Technische Krankenkasse (TK). When planning a visit with the doctor, take note to make an appointment before showing up at the clinic. At the front desk, you will be asked to show your insurance card and then proceed to a waiting room. Basic consultations with the doctor are insured, which means you do not have to pay. Unlike the hospitals or clinics in Malaysia, medication is not provided in-house. Instead, you will be given a prescription, which you will have to bring to a nearby pharmacy (Apotheke) to obtain your medicine. Some medications are subsidised, which means you only have to pay part of the original price.
Remember to make an appointment before visiting the doctor in Germany.
Pharmacies can be easily recognised by the symbol of a red ‘A’, like the one displayed in the picture above.