The following information applies to EU citizens as well as to citizens of Iceland, Liechtenstein, Norway and Switzerland, who are spending time abroad, provided that they are not employed by the University of Mannheim:
If you are insured on a voluntary basis or covered by statutory health insurance in your home country, you may make use of the health services in other EU countries, as well as in Iceland, Liechtenstein, Norway and Switzerland, and have the costs reimbursed by your domestic health insurance scheme.
If you consult a doctor or use other medical services within the EU, you will initially have to pay the costs of the treatment on the spot and then submit the receipts to your insurance scheme in your home country. The costs will then be reimbursed at the same level as they would if they had been incurred for treatment in your home country; you will have to bear any excess costs yourself.
In the case of hospital treatment in another EU country, the approval of the health insurance scheme in your home country must be obtained in advance. This may only be refused if the same or equally effective treatment at the same general standard of medical knowledge could be obtained in good time at a hospital in your home country.
Extended health insurance coverage comes into force if someone covered by statutory health insurance and his or her family are only staying in another country on a temporary basis, e.g. on holiday or business. In case of illness they are eligible for services that are medically necessary, including hospital treatment.
To facilitate treatment during temporary visits abroad, every health insurance provider is obliged to issue its members with a European Health Insurance Card. In case of illness in another EU country, or in Iceland, Liechtenstein, Norway and Switzerland, medical services are provided according to the laws of the host country and reimbursed according to the charges applying there: by presenting the card, patients are eligible both for services which are free of charge in the host country as well as for free medical treatment. Costs for services which usually incur charges in the host country will be covered by the health insurance scheme on presentation of the insurance card.
However, the European Health Insurance Card only has a limited scope. It is only valid for:
Long-term stays abroad include those that exceed the duration of normal holidays, business trips or conferences, such as a visiting professorship or a research-related stay for one semester or one year. For long-term stays abroad in the EU as well as in Iceland, Liechtenstein, Norway, and Switzerland, instead of the EHIC, the following regulations apply:
If you are entitled to statutory health insurance in your home country, your domestic health insurance provider will issue form S1 (formerly E 106) on request. Form S1 entitles you and your family members to register with a German health insurance scheme. The German health insurance scheme will then provide all the services that a German health insurance scheme member is entitled to. The German health insurance provider will subsequently charge your domestic health insurance provider for their costs.
For more information about health insurance in Germany please see EURAXESS Germany.