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Private liability insurance
If you cause injury or damage to people or things, you are personally liable pursuant to general principles of liability. Expensive mishaps can happen easily: you accidentally break a glass pane, knock a vase off the shelf in a shop, or cause an accident with your bicycle or even as a pedestrian. If this results in physical injury to someone, the perpetrator has to pay for the material damage but also damages for pain and suffering, hospital and rehabilitation costs and the injured person’s salary.
It is therefore recommended to take out a private liability insurance, which, depending on the facts of the case, will cover the costs.
Private insurance providers for international students
These are private insurance providers offering combined packages for international students. Please make sure that the offered package is sufficient for degree seeking students in Germany.
Mawista (health, liability and accident insurance, different packages and tariffs)
Educare24 (health, liability and accident insurance, different packages and tariffs)
CareConcept (health, liability and accident insurance, different packages and tariffs)
Insurance package by the DAAD (German Academic Exchange Service)
The DAAD offers a combined insurance package (health, accidental and liability insurance) to interns, students and scientists coming to Germany. If you receive a DAAD scholarship this insurance will already be included.