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Cost of living

Even though there are no tuition fees at state universities in Germany, the semester fee is around 300 euros, plus travel costs, moving costs, food costs, the deposit for the shared room and the first rent.

You should expect to spend around 700 to 1,350 euros a month on living and studying.

Housing costs vary greatly. It depends on whether you live in a large university city or are looking for a rather small university in a less crowded city. A room in a hall of residence costs between 200 and 400 euros, a room in a shared flat between 300 and 500 euros. A flat of your own costs at least 400 euros.

In addition to the rental costs, you also need money for living expenses. From food, clothes, books for university and leisure activities to sports, mobile phone contracts and going out. Depending on your lifestyle, you can add another €200 or so. On average, you will also need around €100 for travel costs and €200 for food.

It can quickly become expensive: If you want to study in a city with over a million inhabitants, you can expect to pay more than 500 euros a month for rent alone. Add to that extra private courses for university or eating out and you're looking at more than 1,000 euros a month.

However, students can be exempted from some fees, such as those for radio/television.

Cost of living

Statistical data can be found in the social surveys of our umbrella organisation, the Deutsches Studierendenwerk.

 

Insurances

In Germany, some insurances are mandatory (e.g. all studentsmust have health insurance), while others are optional.

There are statutory and private health insurances:

  • The statutory insurance companies charge a standardised student rate, which is currently (2022) just under €90 per month. Information at http://www.studenten-kv.de/ or http://www.deutsche-sozialversicherung.de/. Information on student statutory health insurance in serveral languages can be found here.

  • You can also take out private insurance, but once privately insured, always privately insured. During the German course you can only take out private insurance, but you can then return to the statutory health insurance scheme when you start studying.


There are social agreements with many EU and EFTA member states. If the insurance in your home country covers the medical costs in Germany, you can have this recognised by a German statutory health insurance fund. To do this, you must be present form E 111 or E 128 or the European Health Insurance Card.

In Germany, only insured cars/motorcyles are authorised for road traffic.

Private accident insurance is not absolutely neccessary for students.

You should be careful if you have just arrived in Germany and someone wants to sell you life insurance - if you have the desire, the tutors can help you find reputable providers.

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