What Is AT11? Saving on Health Insurance in Germany
What is the AT11 document and how do you obtain it? With our up-to-date 2026 guide, learn how to save on the over €130 monthly insurance premium in Germany.
The biggest financial shield facing Turkish students planning university education or an internship in Germany is the AT11 document. Based on the Social Security Agreement between Turkey and Germany, this document proves that your health coverage in Turkey is also valid in Germany.
What Exactly Is the AT11 Document?
AT11 is an official form issued by the Social Security Institution (SGK) of the Republic of Turkey. This document certifies that the holder has active health insurance in Turkey and that this coverage can replace Statutory Health Insurance (GKV) in Germany.
In 2026, student health insurance premiums in Germany are in the €130 — €150 per month range. When you use AT11, you do not pay this premium. Savings of approximately €4,500 — €5,000 over a 3-year bachelor's degree.
Who Can Obtain AT11?
- Those whose mother or father receives health services under SGK (4A, 4B or 4C).
- For male students, there is generally a 25-year age limit; for female students, it can be flexible depending on the family's insurance status.
- Those enrolled at a university in Germany (bachelor's, master's) or an Erasmus+ exchange student.
Step-by-Step AT11 Process
- SGK Application: Apply to the "Overseas Operations" service of the SGK Provincial Directorate in Turkey.
- Obtaining the Document: It is issued for 6 months (one semester).
- German Approval (Exemption): Take it to TK, AOK or Barmer.
- M10 Notification: The insurance institution sends an Insurance Exemption Notification to your university.
AT11 vs. German Statutory Insurance
| Feature | AT11 | GKV |
|---|---|---|
| Monthly Cost | €0 (Free) | ~€130 — €150 |
| Coverage | Emergencies, basic treatments | Full coverage (check-up, dental) |
| Bureaucracy | Renewal every 6 months | One-time registration |
| Visa Compliance | Accepted | Accepted |
AT11 only covers health expenses. At Toedur, even if you use AT11, we require you to take out Personal Liability Insurance (Haftpflichtversicherung) for about €50 per year.
Critical Warnings
- Chronic illnesses: AT11 may not always cover all expenses. In this case, German statutory insurance is more rational.
- Renewal: Request a new document from Turkey before the document's validity expires. Otherwise, your university enrollment may be suspended.
- Haftpflichtversicherung is required: As liability rather than health insurance, worth about €50 per year.
TopicsAT11SGKHealth Insurance ExemptionSavings
