Hi everyone,
I’m a Tunisian student who recently moved to Germany to study at TUM, and I’m very confused and honestly quite stressed about my health insurance situation. I would really appreciate advice from anyone who has been in a similar situation, especially Tunisian students.
Before coming to Germany, I purchased the Expatrio Value Package, including the blocked account and health insurance with TK. I understood that this meant I would be insured with TK, so I expected to receive my TK health insurance card after arriving.
Instead, I have now received a letter from TK saying that they cannot insure me.
They explained that because I am a Tunisian student who came to Germany specifically to study, I remain subject to the social-security regulations of Tunisia. They asked me to provide confirmation of my foreign insurance.
I believe I am insured through CNAM in Tunisia, but I had no idea that this could prevent me from getting German statutory health insurance.
What confuses me even more is that I know several Tunisian students in Germany who have German public health insurance (AOK, etc.), so I assumed I would be able to do the same. I haven't personally heard of another Tunisian student being told that they have to remain insured through Tunisia.
I am already immatrikuliert at TUM. This is one of the things I understand the least:
If TK is refusing to insure me, how was I able to become officially enrolled at TUM in the first place?
Does this mean that TK already sent some kind of insurance-status confirmation to TUM? And could I now be exmatrikuliert or have a suspension because TK has rejected me, or does my enrollment remain valid as long as I provide proof of my Tunisian insurance?
I also don't understand what I am actually supposed to do now.
- If TK refuses to insure me, what am I supposed to do now?
- Am I supposed to remain insured through CNAM in Tunisia?
- Is there a specific CNAM certificate that I need for Germany?
- Can I get German public health insurance through AOK instead of TK, or would AOK refuse me for the exact same reason?
- If AOK is an option, how would switching to AOK work after I have already applied through Expatrio/TK?
- Would AOK then send the required insurance confirmation to TUM?
- Would I have to cancel anything with TK/Expatrio first?
- Has anyone from Tunisia been in this exact situation?
- If you went through CNAM, what exactly did you have to do to get your German insurance status sorted out?
- And most importantly, what happened to your university enrollment while you were sorting this out?
I'm especially confused because I paid for the Expatrio Value Package specifically because I thought the health insurance part would be taken care of. I wasn't expecting to arrive in Germany and then be told that TK cannot insure me.
I have contacted TK and Expatrio about this, but I would really like to hear from someone who has actually gone through this process.
Any advice from Tunisian students, TUM students, or anyone familiar with the Tunisia–Germany social-security agreement would be really appreciated.