Comparación de seguros 2026
Care Collegevs.Educare24
Una comparación independiente de prestaciones, costes y detalles de cobertura.
✓ Basado en documentos oficiales de pólizas✓ Actualizado marzo de 2026✓ Comparación independiente
Comparando planes destacados: Care College Comfort, Educare24 M (Medium). Cada proveedor ofrece varios niveles.
| Característica | Care CollegeVer detalles | Educare24Ver detalles |
|---|---|---|
| Coste y precio | ||
| Precio mensual (desde) | €32/moMejor | €39/mo |
| Franquicia | €0 | €0 |
| Duración del contrato | 1–60 months | 1–60 months |
| Coberturas principales | ||
| Atención ambulatoria | Medically necessary + preventive care (up to 2.3x GOÄ fee schedule) | Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year |
| Hospitalización | General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs | Inpatient treatment and operations covered |
| Atención dental | Pain relief up to €750/year; prosthetics 50% up to €500 (8-month wait, 2-year period); accident prosthetics up to €1,000 | Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000 |
| Presupuesto dental anualMaximum dental reimbursement per year | €750/year pain relief + €500 prosthetics (50%, 2-year period) | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics |
| Medicamentos | 100% prescribed medication (up to €500/year) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) |
| Coberturas adicionales | ||
| Salud mental / psicoterapia | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded |
| Embarazo y maternidad | Checkups covered (no deductible); delivery after 8-month wait | Pregnancy checkups and childbirth covered (conception must occur after policy start) |
| Óptica (gafas/lentillas) | Not covered | Not covered |
| Telemedicina | ||
| Repatriación / transporte sanitario | ||
| Servicio y extras | ||
| Contratación retroactivaCan you sign up after your start date? | Mejor | |
| Válido para el visado | ||
| VisitarCare College → | VisitarEducare24 → | |
Care CollegeVer detalles
Educare24Ver detalles
Coste y precio
Precio mensual (desde)
€32/moMejor
€39/mo
Franquicia
€0
€0
Duración del contrato
1–60 months
1–60 months
Coberturas principales
Atención ambulatoria
Medically necessary + preventive care (up to 2.3x GOÄ fee schedule)
Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year
Hospitalización
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
Inpatient treatment and operations covered
Atención dental
Pain relief up to €750/year; prosthetics 50% up to €500 (8-month wait, 2-year period); accident prosthetics up to €1,000
Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000
Presupuesto dental anual
Maximum dental reimbursement per year
€750/year pain relief + €500 prosthetics (50%, 2-year period)
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
Medicamentos
100% prescribed medication (up to €500/year)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Coberturas adicionales
Salud mental / psicoterapia
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Embarazo y maternidad
Checkups covered (no deductible); delivery after 8-month wait
Pregnancy checkups and childbirth covered (conception must occur after policy start)
Óptica (gafas/lentillas)
Not covered
Not covered
Telemedicina
Repatriación / transporte sanitario
Servicio y extras
Contratación retroactiva
Can you sign up after your start date?
Mejor
Válido para el visado
FAQ
Preguntas frecuentes
Yes, all Care College plans (Basic, Comfort, Premium) are accepted by German embassies and immigration offices for student visa applications. The coverage meets minimum visa requirements.
Care College Basic starts at €26/month for students under 29 (first 24 months), making it one of the most affordable private health insurance options for international students in Germany. Note that it has a €120/year deductible.
No. Psychotherapy and psychoanalysis are explicitly excluded from ALL Care College plans (Basic, Comfort, and Premium). If mental health coverage is important to you, consider MAWISTA Student Comfort or Provisit Student instead.
Yes, all three plans cover pregnancy checkups and delivery. However, delivery requires an 8-month waiting period (you must be insured for 8 months before the birth). Basic has a €50 deductible per pregnancy visit. Comfort and Premium cover checkups without deductible.
Care College uses a two-tier pricing model: lower rates for months 1–24 and higher rates from month 25 onward. For example, Basic under 29 goes from €26 to €49.50/month. This makes it very competitive for shorter stays but less so for full degree programs (3–5 years).
Yes, Comfort and Premium plans refund 2 months' worth of premiums if you don't file any claims within a policy year. This effectively lowers your annual cost by about 17%.
Yes, all Educare24 plans (S, M, L, XL) are visa-compliant and accepted by German embassies and immigration offices for student visa applications.
The M plan (€39/month) is recommended. For only €4.50 more than the S plan, you get accident insurance (€105,000 disability coverage), personal liability (€1,000,000), and deportation cost coverage. The health insurance benefits are essentially the same across all plans — the main differences are in the extras.
¿Encontraste tu mejor plan?
Compara más planes o solicita directamente — cobertura en minutos.