Comparaison d'assurances 2026
MAWISTA Studentvs.Care College
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour mars 2026✓ Comparaison indépendante
Comparaison des formules recommandées : MAWISTA Student Classic Plus, Care College Comfort. Chaque assureur propose plusieurs niveaux.
| Caractéristique | Popular ChoiceMAWISTA StudentVoir détails | Care CollegeVoir détails |
|---|---|---|
| Coûts & tarifs | ||
| Tarif mensuel (à partir de) | €36/mo | €32/moMeilleur |
| Franchise | 15% co-pay per benefit, max €250/year | €0 |
| Durée du contrat | 1–60 months | 1–60 months |
| Garanties de base | ||
| Soins ambulatoires | 100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr) | Medically necessary + preventive care (up to 2.3x GOÄ fee schedule) |
| Hospitalisation | General ward, shared room | General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs |
| Soins dentaires | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief up to €750/year; prosthetics 50% up to €500 (8-month wait, 2-year period); accident prosthetics up to €1,000 |
| Budget dentaire annuelMaximum dental reimbursement per year | €500/year (pain relief only, no prosthetics) | €750/year pain relief + €500 prosthetics (50%, 2-year period) |
| Médicaments | Prescribed medication covered (15% co-pay) | 100% prescribed medication (up to €500/year) |
| Garanties complémentaires | ||
| Santé mentale / psychothérapie | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| Grossesse & maternité | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Checkups covered (no deductible); delivery after 8-month wait |
| Optique (lunettes/lentilles) | €250/year for accident-related aids only | Not covered |
| Télémédecine | ||
| Rapatriement / transport médical | ||
| Services & options | ||
| Souscription rétroactiveCan you sign up after your start date? | Meilleur | |
| Accepté pour le visa | ||
| VisiterMAWISTA Student → | VisiterCare College → | |
Care CollegeVoir détails
Coûts & tarifs
Tarif mensuel (à partir de)
€36/mo
€32/moMeilleur
Franchise
15% co-pay per benefit, max €250/year
€0
Durée du contrat
1–60 months
1–60 months
Garanties de base
Soins ambulatoires
100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr)
Medically necessary + preventive care (up to 2.3x GOÄ fee schedule)
Hospitalisation
General ward, shared room
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
Soins dentaires
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief up to €750/year; prosthetics 50% up to €500 (8-month wait, 2-year period); accident prosthetics up to €1,000
Budget dentaire annuel
Maximum dental reimbursement per year
€500/year (pain relief only, no prosthetics)
€750/year pain relief + €500 prosthetics (50%, 2-year period)
Médicaments
Prescribed medication covered (15% co-pay)
100% prescribed medication (up to €500/year)
Garanties complémentaires
Santé mentale / psychothérapie
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Grossesse & maternité
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Checkups covered (no deductible); delivery after 8-month wait
Optique (lunettes/lentilles)
€250/year for accident-related aids only
Not covered
Télémédecine
Rapatriement / transport médical
Services & options
Souscription rétroactive
Can you sign up after your start date?
Meilleur
Accepté pour le visa
FAQ
Questions fréquemment posées
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 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.
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