Care Concept
Care College
Budget-friendly private health insurance by Care Concept — 3 tiers from €26/month with up to 5 years coverage
À partir de €26/mo–48/mo
1–60 months Durée
Germany + EU/EEA (excl. USA, Canada, Mexico) Couverture
✓ Conforme au visa
up to 40 Limite d'âge
Dernière mise à jour: March 20, 2026
Choisissez votre formule
Formules disponibles
Comparez les niveaux de couverture et choisissez la formule adaptée.
Basic
À partir de €26 /mois
- Franchise: €120/year
- Ambulatoire: Medically necessary treatment (up to 1.8x GOÄ fee schedule)
- Dentaire: Pain relief up to €500/year; no prosthetics; no...
- Santé mentale: Not covered (psychotherapy/psychoanalysis...
- Grossesse: Checkups with €50 deductible per visit; delivery after...
Best Value
Comfort
À partir de €32 /mois
- Franchise: €0
- Ambulatoire: Medically necessary + preventive care (up to 2.3x GOÄ fee...
- Dentaire: Pain relief up to €750/year; prosthetics 50% up to...
- Santé mentale: Not covered (psychotherapy/psychoanalysis...
- Grossesse: Checkups covered (no deductible); delivery after...
Premium
À partir de €48 /mois
- Franchise: €0
- Ambulatoire: Comprehensive — medically necessary + preventive +...
- Dentaire: Pain relief up to €1,250/year; prosthetics 70% up to...
- Santé mentale: Not covered (psychotherapy/psychoanalysis...
- Grossesse: Checkups covered (no deductible); delivery after...
Comparaison des garanties
Comparer les couvertures
Découvrez en détail ce que chaque formule couvre.
| Caractéristique | Basic | Best Value Comfort | Premium |
|---|---|---|---|
| Couverture de base | |||
| Soins ambulatoires | Medically necessary treatment (up to 1.8x GOÄ fee schedule) | Medically necessary + preventive care (up to 2.3x GOÄ fee schedule) | Comprehensive — medically necessary + preventive + specialist (up to 2.3x GOÄ fee schedule) |
| Hospitalisation | General ward, shared room; mental illness inpatient covered | General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs | General ward, shared room; €2,500 sick pay after 14+ day stay + 90 days work inability; €100/day hospital allowance after day 14; €1,250 visitor costs |
| Médicaments | 100% prescribed medication (up to €250/year) | 100% prescribed medication (up to €500/year) | 100% prescribed medication (up to €1,500/year) |
| Franchise / Copaiement | €120/year | €0 | €0 |
| Dentaire & Optique | |||
| Soins dentaires | Pain relief up to €500/year; no prosthetics; no accident prosthetics | 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 €1,250/year; prosthetics 70% up to €1,000 (8-month wait, 2-year period); accident prosthetics 100% up to €2,500 |
| Budget dentaire | €500/year (pain relief only, no prosthetics) | €750/year pain relief + €500 prosthetics (50%, 2-year period) | €1,250/year pain relief + €1,000 prosthetics (70%, 2-year period) |
| Optique | Not covered | Not covered | €100 (3-month waiting period) |
| Avantages supplémentaires | |||
| Santé mentale | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| Grossesse & Maternité | Checkups with €50 deductible per visit; delivery after 8-month wait | Checkups covered (no deductible); delivery after 8-month wait | Checkups covered (no deductible); delivery after 8-month wait |
| Télémédecine | | | |
| Rapatriement | | | |
| Conforme au visa | | | |
| Souscrire Basic → | Souscrire Comfort → | Souscrire Premium → | |
Basic
Comfort Best Value
Premium
Couverture de base
Soins ambulatoires
Medically necessary treatment (up to 1.8x GOÄ fee schedule)
Medically necessary + preventive care (up to 2.3x GOÄ fee schedule)
Comprehensive — medically necessary + preventive + specialist (up to 2.3x GOÄ fee schedule)
Hospitalisation
General ward, shared room; mental illness inpatient covered
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
General ward, shared room; €2,500 sick pay after 14+ day stay + 90 days work inability; €100/day hospital allowance after day 14; €1,250 visitor costs
Médicaments
100% prescribed medication (up to €250/year)
100% prescribed medication (up to €500/year)
100% prescribed medication (up to €1,500/year)
Franchise / Copaiement
€120/year
€0
€0
Dentaire & Optique
Soins dentaires
Pain relief up to €500/year; no prosthetics; no accident prosthetics
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 €1,250/year; prosthetics 70% up to €1,000 (8-month wait, 2-year period); accident prosthetics 100% up to €2,500
Budget dentaire
€500/year (pain relief only, no prosthetics)
€750/year pain relief + €500 prosthetics (50%, 2-year period)
€1,250/year pain relief + €1,000 prosthetics (70%, 2-year period)
Optique
Not covered
Not covered
€100 (3-month waiting period)
Avantages supplémentaires
Santé mentale
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Grossesse & Maternité
Checkups with €50 deductible per visit; delivery after 8-month wait
Checkups covered (no deductible); delivery after 8-month wait
Checkups covered (no deductible); delivery after 8-month wait
Télémédecine
Rapatriement
Conforme au visa
Ce qui est couvert
Détails des prestations et de la couverture.
Inclus
Cheapest entry price from €26/month (Basic, under 29)
Comfort and Premium have zero deductible
All plans cover pregnancy (with 8-month waiting period for delivery)
Visa-compliant for German student visa
Comfort/Premium offer 2-month premium refund if no claims filed within a year
Age limit up to 40 — higher than many competitors
Long-established provider (Care Concept since 1999)
Non couvert
NO mental health/psychotherapy coverage on ANY plan
No retroactive enrollment possible
Basic plan has €120/year deductible
No vision coverage on Basic and Comfort plans
Prices increase significantly from month 25 onward
Basic dental limited to pain relief only (no prosthetics)
Excludes coverage in USA, Canada, Mexico
Tarifs
Tarifs par âge
Prime mensuelle nette par tranche d'âge. Aucun frais caché.
Tranche d'âge Basic Comfort Best Value Premium
up to 29 (months 1–24) €26€32€48
30–40 (months 1–24) €32€48€75
up to 29 (from month 25) €49.50€57€73
30–40 (from month 25) €55€73€99
Remplit l'obligation d'assurance
FAQ
Questions fréquentes sur Care College
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%.
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