{"id":2891,"date":"2016-03-18T15:29:34","date_gmt":"2016-03-18T14:29:34","guid":{"rendered":"http:\/\/studierendenwerk-darmstadt.develop.neosmart.eu\/en\/counseling-and-social-affairs\/unfallversicherung\/"},"modified":"2025-12-10T11:50:07","modified_gmt":"2025-12-10T10:50:07","slug":"unfallversicherung","status":"publish","type":"page","link":"https:\/\/studierendenwerkdarmstadt.de\/en\/counseling-and-social-affairs\/information-living-studying-darmstadt\/unfallversicherung\/","title":{"rendered":"FAQ Insurance"},"content":{"rendered":"<div id=\"pl-2891\"  class=\"panel-layout\" ><div id=\"pg-2891-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2891-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2891-0-0-0\" class=\"so-panel widget widget_neosmart-editor panel-first-child panel-last-child\" data-index=\"0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-neosmart-editor so-widget-neosmart-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-headline\">Insurance<\/h3><div class=\"widget-editor\">\n\t<div>\n<strong>What are they good for and which ones do I need? We'll explain that here.<\/strong><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-70324 lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-480x360.jpg\" alt=\"\" width=\"400\" height=\"300\" data-srcset=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-480x360.jpg 480w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-1024x768.jpg 1024w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-1536x1152.jpg 1536w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-2048x1536.jpg 2048w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-320x240.jpg 320w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-640x480.jpg 640w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-768x576.jpg 768w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-960x720.jpg 960w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-1280x960.jpg 1280w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-1366x1025.jpg 1366w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-1440x1080.jpg 1440w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2024\/04\/pexels-pixabay-268941_Regenschirme_Sicherung-1920x1440.jpg 1920w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/300;\" \/><\/p>\n<p>&nbsp;<\/p>\n<h4>Which insurances do students have?<\/h4>\n<p>There are two insurances you cannot avoid:<\/p>\n<ul>\n<li><strong>Health insurance<\/strong> - is a requirement for enrollment.<\/li>\n<li><strong>Statutory accident insurance<\/strong> - your university\/university will take out this insurance for you.<\/li>\n<\/ul>\n<h4><img decoding=\"async\" class=\"wp-image-1115 alignright lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-480x320.jpg\" alt=\"unfallversicherung-studierende\" width=\"179\" height=\"119\" data-srcset=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-480x320.jpg 480w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-1024x683.jpg 1024w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-320x213.jpg 320w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-640x427.jpg 640w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-768x512.jpg 768w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-960x640.jpg 960w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-1280x853.jpg 1280w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-1366x911.jpg 1366w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1-1440x960.jpg 1440w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfallversicherung-studierende-1.jpg 1920w\" data-sizes=\"(max-width: 179px) 100vw, 179px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 179px; --smush-placeholder-aspect-ratio: 179\/119;\" \/><\/h4>\n<p>It also makes sense to take out <strong>private liability insurance<\/strong>. And <strong>occupational disability insurance<\/strong> can also be a forward-looking investment during the course of your studies.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<div>\n&nbsp;<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pgc-2891-0-1\"  class=\"panel-grid-cell\" ><div id=\"panel-2891-0-1-0\" class=\"so-panel widget widget_neosmart-info-teaser panel-first-child panel-last-child\" data-index=\"1\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-neosmart-info-teaser so-widget-neosmart-info-teaser-base\"\n\t\t\t\n\t\t><div class=\"info-teaser style-section-color\">\n\t<h5 class=\"it-title\">\n\t\tContact\t<\/h5>\n\t<div class=\"it-content\">\n\t\t<p>For personal advice, please contact our <strong><a href=\"https:\/\/studierendenwerkdarmstadt.de\/en\/counseling-and-social-affairs\/social-counselling\/\">social counselling.<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n\t<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pg-2891-1\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2891-1-0\"  class=\"panel-grid-cell panel-grid-cell-mobile-last\" ><div id=\"panel-2891-1-0-0\" class=\"so-panel widget widget_neosmart-accordion panel-first-child panel-last-child\" data-index=\"2\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-neosmart-accordion so-widget-neosmart-accordion-base\"\n\t\t\t\n\t\t><h3>Statutory accident insurance<\/h3>\n<div class=\"accordion-container\">\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"How are students of the TU Darmstadt and the Hochschule Darmstadt insured against accidents?\">How are students of the TU Darmstadt and the Hochschule Darmstadt insured against accidents?<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<div>\n<p>Every student is insured against accidents through his or her university. If you are enrolled at either the TU or h_da, a yearlong insurance coverage is provided.<\/p>\n<p><strong>Please be aware that this insurance cover does not extend to accidents in non-European countries!<\/strong><\/p>\n<\/div>\n<div>\n<p>&nbsp;<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"What does the statutory accident insurance cover?\">What does the statutory accident insurance cover?<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<div>\n<p>Accident insurance compensates for <strong>bodily injury<\/strong>; compensation for property damage is not provided.<\/p>\n<p>Insurance coverage extends to all activities that are causally related to attending university. It covers\u00a0 students for example while attending class (including pauses) and other university events like journeys, guided tours, excursions etc., and also on the direct route between home and university.<\/p>\n<\/div>\n<p><span style=\"color: #ff0000;\"><em><strong>Important:<\/strong> Recreational activities on university campuses are not covered, nor are privately organized study trips.<\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>If you have an accident, report it immediately!<\/strong><\/p>\n<div>\n<p>&nbsp;<\/p>\n<h4><strong>Leisure time accident insurance<\/strong><\/h4>\n<p>Accidents that are not covered by statutory accident insurance are covered by leisure time accident insurance. It covers all accidents in daily life (24\/7-coverage) off-campus and beyond the direct route between home and university.<\/p>\n<\/div>\n<div>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-1244 lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-480x319.jpg\" alt=\"unfall\" width=\"459\" height=\"305\" data-srcset=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-480x319.jpg 480w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-1024x680.jpg 1024w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-320x213.jpg 320w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-640x425.jpg 640w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-768x510.jpg 768w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-960x638.jpg 960w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-1280x850.jpg 1280w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-1366x907.jpg 1366w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall-1440x956.jpg 1440w, https:\/\/studierendenwerkdarmstadt.de\/wp-content\/uploads\/2016\/03\/unfall.jpg 1920w\" data-sizes=\"(max-width: 459px) 100vw, 459px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 459px; --smush-placeholder-aspect-ratio: 459\/305;\" \/><\/p>\n<p>&nbsp;<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"Which benefits are granted?\">Which benefits are granted?<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p>The role of accident insurance is to prevent accidents and provide first aid measures as well as remediation or compensation for the physical injury caused by the accident. This includes<\/p>\n<ul>\n<li>Disability or total disability benefits<\/li>\n<li>Cost of counseling<\/li>\n<li>Benefits in case of death<\/li>\n<li>Monetary benefits (injury benefits, injury pension)<\/li>\n<li>Monetary benefits for surviving dependents<\/li>\n<\/ul>\n<p><span style=\"color: #ff0000;\"><em><strong>Attention:<\/strong> Compensation for property damage is not provided.<\/em><\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"What to do in case of an accident?\">What to do in case of an accident?<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p><strong>Students of h_da...<\/strong><\/p>\n<p>report an accident to h_da.<\/p>\n<p><strong><a href=\"https:\/\/h-da.de\/en\/health-insurance\">https:\/\/h-da.de\/en\/health-insurance<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Students of TU Darmstadt<\/strong><\/p>\n<p>report an accident to the Department IV of TU Darmstadt.<\/p>\n<p>This can be done via the TU website\u00a0\u201cWorking and commuting accidents\u201d.<\/p>\n<p><strong><a href=\"http:\/\/www.intern.tu-darmstadt.de\/arbeitsunfaelle\">www.intern.tu-darmstadt.de\/arbeitsunfaelle<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div><\/div><\/div><\/div><div id=\"pgc-2891-1-1\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><\/div><div id=\"pg-2891-2\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2891-2-0\"  class=\"panel-grid-cell panel-grid-cell-mobile-last\" ><div id=\"panel-2891-2-0-0\" class=\"so-panel widget widget_neosmart-accordion panel-first-child\" data-index=\"3\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-neosmart-accordion so-widget-neosmart-accordion-base\"\n\t\t\t\n\t\t><h3><h5><strong>When and which additional insurances make sense depends on the individual life situation:<\/strong><\/h5><\/h3>\n<div class=\"accordion-container\">\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"I am an international student and already have health insurance in my home country\">I am an international student and already have health insurance in my home country<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p>It is possible that your <strong>statutory health insurance<\/strong> from your home country will be recognized by a German statutory health insurance fund. This possibility exists especially for students from the EU or the European Economic Area.<\/p>\n<p>Private health insurance from other countries may also be recognized in Germany under certain circumstances.<\/p>\n<p><span style=\"color: #ff0000;\"><em>IMPORTANT: Before entering Germany, clarify with your health insurance company which documents are required and which benefits it will cover in Germany. For example, your health insurance in your home country may not cover all costs in Germany, such as dentures and psychotherapeutic counseling\/therapy.<\/em><\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"I want to take a language course at the Studienkolleg - how can I get health insurance?\">I want to take a language course at the Studienkolleg - how can I get health insurance?<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p>There are <strong>two types of health insurance<\/strong> in Germany: <strong>statutory<\/strong> and <strong>private<\/strong>. If you participate in a study-preparatory language course or attend a Studienkolleg, you must take out private insurance.<\/p>\n<p>If you have finished the language course and start studying AND are younger than 30, you can change to the statutory health insurance.<\/p>\n<p><em><span style=\"color: #ff0000;\"><strong>IMPORTANT:<\/strong> For the application of the residence permit, please inform yourself at the responsible immigration office in which form the proof of health insurance should be provided.<\/span><\/em><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"I need a health insurance\">I need a health insurance<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p>That's right, you must have health insurance to enroll. There is a general obligation to have health insurance.<\/p>\n<p>There are two types of health insurance: <strong>statutory<\/strong> and <strong>private<\/strong>.<\/p>\n<p>If you have not yet reached the age of 25, you can be covered by your parents' health insurance. This is called <strong>family insurance<\/strong> and means that you are co-insured free of charge.<\/p>\n<p><strong>Please note<\/strong>: there are earnings limits for family insurance. If you regularly earn more than a Minijob, the family insurance ends.<\/p>\n<p>If you can no longer be family insured, you can be insured at a favorable rate in the <strong>statutory health insurance for students<\/strong> (KVdS). Because if you were previously family insured, you pay a favorable student rate.<\/p>\n<p>As an alternative, you can also opt for <strong>private health and nursing care insurance<\/strong>.<\/p>\n<p><em><span style=\"color: #ff0000;\"><strong>IMPORTANT<\/strong>: Once you have opted for private health insurance during your studies, you cannot switch to statutory health insurance for the entire duration of your studies.<\/span><\/em><\/p>\n<p><strong>End<\/strong>: The compulsory insurance for students usually ends with the completion of studies or when one is over 30 years old. This maximum period can be extended in individual cases, e.g. in the event of disability, birth and care of a child, acquisition of the university entrance qualification via the second educational path.<\/p>\n<p><span style=\"color: #ff0000;\"><em><strong>IMPORTANT<\/strong>: It is also worthwhile to compare different health insurance companies and tariffs in advance.<\/em><\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"I have expensive electrical appliances\/bicycle\/furniture\">I have expensive electrical appliances\/bicycle\/furniture<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p>The \"movable property\" can be covered by a household insurance. This makes sense only if these possessions are expensive\/materially valuable.<\/p>\n<p>This insurance <strong>covers everything that belongs to the household<\/strong>: furniture, clothes, electrical appliances. Some insurances also include the <strong>bicycle<\/strong>. If a laptop is stolen during a burglary in a shared apartment (WG), the household insurance will cover the cost of replacing it with an equivalent laptop.<\/p>\n<p><span style=\"color: #ff0000;\"><em><strong>IMPORTANT<\/strong>: The cause of the damage to the household goods is decisive for the question of whether the insurance takes effect or not. For example, whether it was theft, a burst water pipe, ..., or whether they were negligent, such as leaving a door open, ....<\/em><\/span><\/p>\n<p>For many students, the <strong>bicycle<\/strong> is also particularly important. Homeowner's insurance also includes movable household goods. You should consciously check beforehand whether ferry bicycles are also insured when selecting insurance.<\/p>\n<p><em><span style=\"color: #ff0000;\"><strong>IMPORTANT<\/strong>: If you want to insure your bicycle against theft - check the insurance policy carefully beforehand to see if only theft from a locked room is covered, or how the bicycle must be connected. With an extension of the insurance policy you can insure the bicycle also at the university or in the city.<\/span><\/em><\/p>\n<p>However, if you only want to insure the bicycle against theft, this would be possible through <strong>bicycle insurance<\/strong>.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"I live in a shared apartment | I have someone else's keys (to an apartment, ...) | I have damaged someone else's valuables ...\">I live in a shared apartment | I have someone else's keys (to an apartment, ...) | I have damaged someone else's valuables ...<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p><strong>Liability insurance<\/strong> is important for all these situations. It is a voluntary insurance, but the most important for students.<\/p>\n<p>Personal liability insurance pays if you negligently cause damage to another person. For example: damage to a friend's laptop or damage in a shared apartment or apartment, such as damage to the floor. In case of loss of someone else's keys (e.g. WG keys), the private liability insurance can help - if key replacement is part of the range of benefits.<\/p>\n<p>Personal injury, but also property damage can then quickly run into the hundreds of thousands. This is another reason why liability insurance is a good coverage.<\/p>\n<p>If your parents have a private liability insurance, you are usually still insured through them. The protection exists for adult unmarried children, who are in a school education or directly following vocational training. After the end of the first vocational training or when reaching a contractually defined age limit (usually from 25 years), you need your own liability insurance.<\/p>\n<p><span style=\"color: #ff0000;\"><em><strong>IMPORTANT:<\/strong> Often insurance companies specify an age limit for students or expect them to still have their primary residence with their parents. Key replacement is not included in all insurance policies and the amount of damage covered also varies. It is therefore important to take a close look at the conditions.<\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"I would like to travel abroad\/do a semester abroad\">I would like to travel abroad\/do a semester abroad<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p>In this case, a <strong>travel health insurance<\/strong> can be a <strong>useful addition<\/strong> to your health insurance. Because statutory health insurance does not cover all services abroad. This applies especially to countries that do not belong to the EU or the European Monetary Area. The duration of your stay abroad also plays a role.<\/p>\n<p>With an international health insurance, both the treatment costs on site and the return transport home are covered.<\/p>\n<p><span style=\"color: #ff0000;\"><em><strong>IMPORTANT:<\/strong> Also check the range of benefits and necessarily the scope of the insurance. Some insurances exclude certain countries or regions where the costs for medical treatment are very high, such as the USA or Canada. It pays to compare.<\/em><\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t<section>\n\t\t\t<div class=\"ac-head\"><a class=\"ac-head-link\" href=\"\" title=\"Occupational disability insurance - what is it and do I need it?\">Occupational disability insurance - what is it and do I need it?<img decoding=\"async\" class=\"arrow arrow-down lazyload\" data-src=\"https:\/\/studierendenwerkdarmstadt.de\/wp-content\/themes\/neosmart-atomic\/media\/arrow.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 64px; --smush-placeholder-aspect-ratio: 64\/64;\"><\/a><\/div>\n\t\t\t<div class=\"ac-body\" style=\"display: none;\">\n\t\t\t\t<div class=\"ac-body-content\">\n\t\t\t\t\t<p>An important insurance policy is occupational disability insurance. If you are no longer able to work due to illness or accident, occupational disability insurance secures your future income and thus your livelihood.<\/p>\n<p>If students are\/become unable to work, they usually do not even receive a small statutory pension for reduced earning capacity. This is because in order to receive a reduced earning capacity pension, one must have paid into the statutory pension insurance for at least 5 years.<\/p>\n<p>An occupational disability insurance is therefore important for everyone, because without a regular income it can quickly come to financial problems. Basically, no one is safe from occupational disability, so <strong>the earlier the better.<\/strong> In addition, students have several advantages when taking out insurance:<\/p>\n<ul>\n<li>It is easier to get a contract.<\/li>\n<li>Due to an age one pays lower premiums.<\/li>\n<li>You always remain in a favorable occupational group.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><em><span style=\"color: #ff0000;\">IMPORTANT: The risk assessment of the occupational disability insurance is always based on the current occupation. As a student, the insurance company assesses your occupational risk as very low. As a result, students are placed in a favorable occupational group, which then applies to their entire working life.<\/span><\/em><\/p>\n<p>&nbsp;<\/p>\n<p>The premiums for occupational disability insurance are initially quite high. To enable students with a smaller budget to afford this insurance, some insurers offer <strong>tiered models<\/strong>. This means that the premium is lower in the first few years and increases after a certain age limit.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div><\/div><\/div><div id=\"panel-2891-2-0-1\" class=\"so-panel widget widget_neosmart-editor panel-last-child\" data-index=\"4\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-neosmart-editor so-widget-neosmart-editor-base\"\n\t\t\t\n\t\t><div class=\"widget-editor\">\n\t<h4>Where can I get further information and advice?<\/h4>\n<p>You can get free advice from our <a href=\"https:\/\/studierendenwerkdarmstadt.de\/en\/counseling-and-social-affairs\/social-counselling\/\"><strong>social counseling service<\/strong><\/a>.<\/p>\n<p>The consumer centers are also very good places to go.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>You can find helpful and reliable online information at:<\/strong><\/p>\n<p style=\"padding-left: 40px;\"><strong>Consumer Center\/Verbraucherzentrale:<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\/kredit-schulden-insolvenz\/versicherungen-fuer-studierende-die-unerlaesslichen-policen-10510\">Insurance for students: The essential policies<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/gesundheit-pflege\/krankenversicherung\/studentische-krankenversicherung-die-wichtigsten-moeglichkeiten-10352\">Student health insurance: the most important options | Verbraucherzentrale.de<\/a><\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><strong>German Student Union: <a href=\"https:\/\/www.studentenwerke.de\/de\/content\/versicherungen-f%C3%BCr-studierende\">Insurance for students | Deutsches Studierendenwerk<\/a><\/strong><\/p>\n<\/div><\/div><\/div><\/div><div id=\"pgc-2891-2-1\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Insurance What are they good for and which ones do I need? We&#8217;ll explain that here. &nbsp; Which insurances do students have? There are two insurances you cannot avoid: Health insurance &#8211; is a requirement for enrollment. Statutory accident insurance &#8211; your university\/university will take out this insurance for you. It also makes sense to [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":14981,"menu_order":9,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2891","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ Insurance - studierendenwerk darmstadt<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/studierendenwerkdarmstadt.de\/en\/counseling-and-social-affairs\/information-living-studying-darmstadt\/unfallversicherung\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ Insurance - studierendenwerk darmstadt\" \/>\n<meta property=\"og:description\" content=\"Insurance What are they good for and which ones do I need? We&#039;ll explain that here. &nbsp; Which insurances do students have? There are two insurances you cannot avoid: Health insurance - is a requirement for enrollment. Statutory accident insurance - your university\/university will take out this insurance for you. It also makes sense to [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/studierendenwerkdarmstadt.de\/en\/counseling-and-social-affairs\/information-living-studying-darmstadt\/unfallversicherung\/\" \/>\n<meta property=\"og:site_name\" content=\"studierendenwerk darmstadt\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/stwda\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-10T10:50:07+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/counseling-and-social-affairs\\\/information-living-studying-darmstadt\\\/unfallversicherung\\\/\",\"url\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/counseling-and-social-affairs\\\/information-living-studying-darmstadt\\\/unfallversicherung\\\/\",\"name\":\"FAQ Insurance - studierendenwerk darmstadt\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/#website\"},\"datePublished\":\"2016-03-18T14:29:34+00:00\",\"dateModified\":\"2025-12-10T10:50:07+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/counseling-and-social-affairs\\\/information-living-studying-darmstadt\\\/unfallversicherung\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/counseling-and-social-affairs\\\/information-living-studying-darmstadt\\\/unfallversicherung\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/counseling-and-social-affairs\\\/information-living-studying-darmstadt\\\/unfallversicherung\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"counselling and social affairs\",\"item\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/counseling-and-social-affairs\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"FAQ: Living and Studying in Darmstadt\",\"item\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/en\\\/counseling-and-social-affairs\\\/information-living-studying-darmstadt\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"FAQ Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/#website\",\"url\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/\",\"name\":\"studierendenwerk darmstadt\",\"description\":\"Wir sind der soziale Partner f\u00fcr die Studierenden der Technischen Universit\u00e4t und der Hochschule Darmstadt.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/studierendenwerkdarmstadt.de\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FAQ Insurance - studierendenwerk darmstadt","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/studierendenwerkdarmstadt.de\/en\/counseling-and-social-affairs\/information-living-studying-darmstadt\/unfallversicherung\/","og_locale":"en_US","og_type":"article","og_title":"FAQ Insurance - studierendenwerk darmstadt","og_description":"Insurance What are they good for and which ones do I need? 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