|EU Doctoral Candidates (DCs) should hold the European Health Insurance Card, which allows them access to medical care in all EU and EEC countries at no additional cost. Should any DCs spend time in a non-EU Partner University, they will have to purchase private insurance as required by the respective governments for attainment of the visa.|
At the University of Trento, all doctoral candidates on an employment contract will benefit of a full health insurance; different provisions apply for EU and non-EU citizens, whose details will be given to enrolled students. For periods spent in non-EU countries an integration to the national health insurance will be granted. Furthermore, the University of Trento has a specific accident and third-party insurance scheme, both for candidates on an employment contract and a stipend, that covers hospitalization due to an injury occurred in the realm of didactic and research activities. It also covers costs resulting from damages or accidents to third parties occurred inside University buildings. Specifications will be given to enrolled students.
Candidates under an employment contract are guaranteed, provided they satisfy some minimum requirements, a parental leave.
Holders of the European Health Insurance Card (EHIC) are entitled to medical treatment under the same terms as German citizens. However if they plan to stay in the country longer than a year (or become employed in Germany) they should still bring their EHIC to a state insurance office and ask for exemption. Non-EU residents should get a contract with a state health insurance office (“Gesetzliche Krankenkassen”). You will receive an electronic health card which you will have to present at any visit at the doctor’s.
Contributions to health insurance are split roughly equal between employers and employees. Students are offered special student insurance schemes with favourable rates. Note that health insurance in Germany is part of the social security system. Patients covered by the state insurance system still need to pay 10 EUR per quarter year in case they need medical help in a period of 3 months. That is, 10 EUR are paid for the first doctor’s visit during a quarter of a year. If a person doesn’t make any visits in a quarter year, no payment is required. For multiple visits during a quarter of a year the price is still 10 EUR paid at the first visit. Patients should ask for a receipt at their first visit since it will prove that the quarterly tax has been paid and they won’t be asked to pay again if they need medical help in the future. The dentist costs another 10 EUR for the first visit per quarter.
UNITED KINGDOM (QMUL)
All students will be covered by Queen Mary’s travel insurance while travelling on College business and by Queen Mary’s public liability insurance. EU students will need to apply for the European Health Insurance Card to make sure that they are covered for health purposes.
NB: the insurance coverage does not apply until the employment contract is signed, i.e. it will be valid after your arrival to the Primary Institution. This means that, if you wish to be covered for the period covering your travel from your home country to the Primary Institution, you will have to purchase your own insurance.