Timo Dreger, Robert Gallagher, Marc Banting (from left to right)

Germany is now one of the most popular countries in the world to study in. What trends are influencing current developments?  And what role does health insurance play for international students? At ITIC Global 2025 in Venice, Timo Dreger, Managing Director & COO at DR-WALTER, provided important insights.

International students in Germany: growth and countries of origin 

The number of international students is rising steadily. In 2018/19, around 394,665 international students were enrolled, and by 2023/24, this figure had risen to 469,485 – a clear upward trend. 
Students from India, China, Turkey, and Pakistan are particularly well represented. 

New requirements: blocked account, living expenses, and tuition fees 

The framework conditions for studying in Germany have recently been adjusted several times.
The blocked account must currently contain €11,904, of which students can withdraw €992 per month.

Despite a rising minimum wage, the cost of living remains high. In addition, some state universities are introducing tuition fees for non-EU students – for example, the Technical University of Munich (TUM). 

Erasmus+: Higher funding for international mobility 

The European mobility program Erasmus+ continues to strengthen international exchange. 
Around €220 million will be available to German universities over the next two years, creating more opportunities for semesters abroad and international cooperation. 

Stricter visa requirements: Impact on health insurance 

Health insurance remains a mandatory requirement for visas.
As the German healthcare system is complex, many international students need specific advice to find the right insurance cover. 

How DR-WALTER supports international students 

At german-student-insurance.com, DR-WALTER offers suitable solutions depending on age, type of study, and individual circumstances:

- Statutory health insurance (if the requirements are met)

- Private comprehensive insurance (for students who are not eligible for statutory insurance)  

Special challenges and long-term prospects 

Around 69.2% of international students want to stay in Germany after finishing their studies. Many have different health needs, especially if medical care in their country of origin is less developed. DR-WALTER's private health insurances take these special circumstances into account. 

Outgoing: Where do German students go? 

The USA, Australia, and Canada are particularly attractive to German students, due to their use of English as a first language. 
However, medical costs in the USA are extremely high, which is reflected in insurance premiums: Protrip German Traveler and Protrip World Traveler are significantly more expensive for travel to the USA and Canada than for other destinations. 

Trend: Telemedicine is becoming more and more important 

Telemedicine is playing an increasingly central role in the healthcare of young people.

Students can quickly and easily talk to German-speaking doctors via their smartphones—a major advantage, especially when it comes to mental health issues. Treatment in one's own language creates trust and security.