Comparación de seguros 2026
MAWISTA Studentvs.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: MAWISTA Student Classic Plus, Educare24 M (Medium). Cada proveedor ofrece varios niveles.
| Característica | Popular ChoiceMAWISTA StudentVer detalles | Educare24Ver detalles |
|---|---|---|
| Coste y precio | ||
| Precio mensual (desde) | €36/moMejor | €39/mo |
| Franquicia | 15% co-pay per benefit, max €250/year | €0 |
| Duración del contrato | 1–60 months | 1–60 months |
| Coberturas principales | ||
| Atención ambulatoria | 100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr) | Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year |
| Hospitalización | General ward, shared room | Inpatient treatment and operations covered |
| Atención dental | Pain relief only, up to €500/year (8-month wait for prosthetics) | 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 | €500/year (pain relief only, no prosthetics) | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics |
| Medicamentos | Prescribed medication covered (15% co-pay) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) |
| Coberturas adicionales | ||
| Salud mental / psicoterapia | Not covered (psychotherapy/psychoanalysis excluded) | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded |
| Embarazo y maternidad | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Pregnancy checkups and childbirth covered (conception must occur after policy start) |
| Óptica (gafas/lentillas) | €250/year for accident-related aids only | Not covered |
| Telemedicina | ||
| Repatriación / transporte sanitario | ||
| Servicio y extras | ||
| Contratación retroactivaCan you sign up after your start date? | ||
| Válido para el visado | ||
| VisitarMAWISTA Student → | VisitarEducare24 → | |
Educare24Ver detalles
Coste y precio
Precio mensual (desde)
€36/moMejor
€39/mo
Franquicia
15% co-pay per benefit, max €250/year
€0
Duración del contrato
1–60 months
1–60 months
Coberturas principales
Atención ambulatoria
100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr)
Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year
Hospitalización
General ward, shared room
Inpatient treatment and operations covered
Atención dental
Pain relief only, up to €500/year (8-month wait for prosthetics)
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
€500/year (pain relief only, no prosthetics)
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
Medicamentos
Prescribed medication covered (15% co-pay)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Coberturas adicionales
Salud mental / psicoterapia
Not covered (psychotherapy/psychoanalysis excluded)
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Embarazo y maternidad
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Pregnancy checkups and childbirth covered (conception must occur after policy start)
Óptica (gafas/lentillas)
€250/year for accident-related aids only
Not covered
Telemedicina
Repatriación / transporte sanitario
Servicio y extras
Contratación retroactiva
Can you sign up after your start date?
Válido para el visado
FAQ
Preguntas frecuentes
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.
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.
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