MAWISTA
MAWISTA Student
Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month
من €28/mo–74/mo
1–60 months المدة
Germany + EU/Schengen + UK التغطية
✓ متوافق مع التأشيرة
up to 40 حد العمر
آخر تحديث: March 20, 2026
اختر خطتك
الخطط المتاحة
قارن مستويات التغطية واختر الخطة المناسبة لك.
Classic
من €28 /شهر
- التحمّل: 20% co-pay per benefit, max €250/year
- العيادات الخارجية: 100% medically necessary up to 1.8x GOÄ (20% co-pay, max...
- الأسنان: Pain relief only, up to €500/year (8-month wait for...
- الصحة النفسية: Not covered (psychotherapy/psychoanalysis...
- الحمل: Complications covered from day 1; checkups after...
Best Value
Classic Plus
من €36 /شهر
- التحمّل: 15% co-pay per benefit, max €250/year
- العيادات الخارجية: 100% medically necessary up to 2.3x GOÄ (15% co-pay, max...
- الأسنان: Pain relief only, up to €500/year (8-month wait for...
- الصحة النفسية: Not covered (psychotherapy/psychoanalysis...
- الحمل: Complications covered from day 1; checkups after...
Comfort
من €74 /شهر
- التحمّل: 10% co-pay per benefit, max €250/year
- العيادات الخارجية: 100% medically necessary + preventive up to 3.5x GOÄ (10%...
- الأسنان: Pain relief €500/year + prosthetics 60% up to...
- الصحة النفسية: Not covered (psychotherapy/psychoanalysis...
- الحمل: Covered with no waiting period (checkups +...
مقارنة التغطية
مقارنة تغطية الخطط
اطّلع بالتفصيل على ما تغطيه كل خطة.
| الميزة | Classic | Best Value Classic Plus | Comfort |
|---|---|---|---|
| التغطية الأساسية | |||
| العلاج الخارجي | 100% medically necessary up to 1.8x GOÄ (20% co-pay, max €250/yr) | 100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr) | 100% medically necessary + preventive up to 3.5x GOÄ (10% co-pay, max €250/yr) |
| الإقامة بالمستشفى | General ward, shared room | General ward, shared room | General ward, shared room |
| الأدوية | Prescribed medication covered (20% co-pay) | Prescribed medication covered (15% co-pay) | Prescribed medication covered (10% co-pay) |
| التحمّل / المساهمة | 20% co-pay per benefit, max €250/year | 15% co-pay per benefit, max €250/year | 10% co-pay per benefit, max €250/year |
| الأسنان والبصر | |||
| رعاية الأسنان | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief €500/year + prosthetics 60% up to €1,000/year (8-month wait) |
| ميزانية الأسنان | €500/year (pain relief only, no prosthetics) | €500/year (pain relief only, no prosthetics) | €1,000/year (incl. prosthetics at 60%) |
| البصر | €250/year for accident-related aids only | €250/year for accident-related aids only | €100/year accident-related vision aids (3-month waiting period); €1,000/year accident-related medical aids |
| مزايا إضافية | |||
| الصحة النفسية | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) |
| الحمل والأمومة | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Covered with no waiting period (checkups + childbirth); must not be pregnant at enrollment |
| الطب عن بُعد | | | |
| الإعادة للوطن | | | |
| متوافق مع التأشيرة | | | |
| تقديم Classic → | تقديم Classic Plus → | تقديم Comfort → | |
Classic
Classic Plus Best Value
Comfort
التغطية الأساسية
العلاج الخارجي
100% medically necessary up to 1.8x GOÄ (20% co-pay, max €250/yr)
100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr)
100% medically necessary + preventive up to 3.5x GOÄ (10% co-pay, max €250/yr)
الإقامة بالمستشفى
General ward, shared room
General ward, shared room
General ward, shared room
الأدوية
Prescribed medication covered (20% co-pay)
Prescribed medication covered (15% co-pay)
Prescribed medication covered (10% co-pay)
التحمّل / المساهمة
20% co-pay per benefit, max €250/year
15% co-pay per benefit, max €250/year
10% co-pay per benefit, max €250/year
الأسنان والبصر
رعاية الأسنان
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief €500/year + prosthetics 60% up to €1,000/year (8-month wait)
ميزانية الأسنان
€500/year (pain relief only, no prosthetics)
€500/year (pain relief only, no prosthetics)
€1,000/year (incl. prosthetics at 60%)
البصر
€250/year for accident-related aids only
€250/year for accident-related aids only
€100/year accident-related vision aids (3-month waiting period); €1,000/year accident-related medical aids
مزايا إضافية
الصحة النفسية
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
الحمل والأمومة
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Covered with no waiting period (checkups + childbirth); must not be pregnant at enrollment
الطب عن بُعد
الإعادة للوطن
متوافق مع التأشيرة
ما المشمول
تفاصيل المزايا والتغطية.
مشمول
Cheapest entry at €28/month (Classic, age 18–29)
Visa-compliant for all German visa types
Retroactive enrollment possible (within 31 days of entry)
Comfort plan covers pregnancy from day 1 with no waiting period
Medical repatriation covered at unlimited amount
Coverage valid in Germany + all EU/Schengen states + UK
Online application with instant insurance certificate
غير مشمول
All plans have co-payment (20%/15%/10% per benefit, max €250/year)
NO mental health/psychotherapy coverage on ANY plan (including Comfort)
Classic and Classic Plus require 3-month wait for pregnancy checkups, 8-month wait for childbirth
No dental prosthetics on Classic and Classic Plus
No vision coverage on Classic and Classic Plus
Significantly more expensive for students over 30 (€44–€104/month)
الأسعار
الأسعار حسب العمر
القسط الشهري الصافي حسب الفئة العمرية. بدون رسوم مخفية.
الفئة العمرية Classic Classic Plus Best Value Comfort
0–4 €55€75€135
5–17 €39€49€89
18–29 €28€36€74
30–40 €44€56€104
يفي بالتزام التأمين
الأسئلة الشائعة
الأسئلة الشائعة حول MAWISTA Student
Yes, all MAWISTA Student plans (Classic, Classic Plus, Comfort) are visa-compliant and accepted by German embassies and immigration offices for student visa applications.
Yes, MAWISTA allows retroactive enrollment if you apply within 31 days of your entry to Germany. This is useful if you arrived and haven't arranged insurance yet.
Unlike most competitors with zero deductible, MAWISTA Student has a percentage co-payment: Classic 20%, Classic Plus 15%, and Comfort 10% per insured benefit. The maximum co-payment is capped at €250 per calendar year across all plans.
No. Psychotherapy, psychoanalysis, and hypnosis are explicitly excluded from ALL MAWISTA Student plans, including the Comfort plan. If mental health coverage is important, consider Provisit Student (psychotherapy at 75%) or HanseMerkur Young Travel Profi (up to €1,000/year).
The Comfort plan covers pregnancy checkups and childbirth from day 1 with no waiting period. Classic and Classic Plus cover acute pregnancy complications immediately, but regular checkups require a 3-month waiting period and childbirth requires an 8-month waiting period.
Pre-existing conditions are generally excluded from coverage. Acute pregnancy complications are covered from day 1 on all plans. Chronic conditions requiring ongoing treatment (e.g., diabetes, asthma) are typically excluded for the entire policy term. If you have known pre-existing conditions, consider public health insurance (GKV), which covers all conditions from day one.
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