Student Health Insurance in Germany & Italy (2026 Costs)

Last verified: 15 September 2026, against official insurer and health-authority pages.

Health insurance in Europe is not one line item — it is at least two, and international students routinely budget for only one. Here is exactly what you pay, and when.

Quick facts

• Germany, statutory insurance: about €141/month if you are under 23, about €146/month if you are 23 to 30
• Italy, national health service (SSN) opt-in: a flat €700/year for students with no income beyond a scholarship
• Visa-stage travel insurance (both countries): minimum €30,000 medical coverage, required before your visa is even issued
• These are separate costs — travel insurance covers you before arrival; statutory or SSN insurance covers you as a resident