Last verified: 15 September 2026, against official insurer and health-authority pages. This guide covers Student Health Insurance in Germany & Italy (2026 Costs) in full — how German statutory insurance works, the Italian SSN option most students miss, the travel cover you need before you land, and how to budget for it.
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
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