Care Concept
Care College
Budget-friendly private health insurance by Care Concept — 3 tiers from €26/month with up to 5 years coverage
से €26/mo–48/mo
1–60 months अवधि
Germany + EU/EEA (excl. USA, Canada, Mexico) कवरेज
✓ वीज़ा अनुरूप
up to 40 आयु सीमा
अंतिम अपडेट: March 20, 2026
अपना प्लान चुनें
उपलब्ध प्लान
कवरेज स्तरों की तुलना करें और अपनी ज़रूरत के अनुसार प्लान चुनें।
Basic
से €26 /माह
- कटौती: €120/year
- बाह्य रोगी: Medically necessary treatment (up to 1.8x GOÄ fee schedule)
- दंत चिकित्सा: Pain relief up to €500/year; no prosthetics; no...
- मानसिक स्वास्थ्य: Not covered (psychotherapy/psychoanalysis...
- गर्भावस्था: Checkups with €50 deductible per visit; delivery after...
Best Value
Comfort
से €32 /माह
- कटौती: €0
- बाह्य रोगी: Medically necessary + preventive care (up to 2.3x GOÄ fee...
- दंत चिकित्सा: Pain relief up to €750/year; prosthetics 50% up to...
- मानसिक स्वास्थ्य: Not covered (psychotherapy/psychoanalysis...
- गर्भावस्था: Checkups covered (no deductible); delivery after...
Premium
से €48 /माह
- कटौती: €0
- बाह्य रोगी: Comprehensive — medically necessary + preventive +...
- दंत चिकित्सा: Pain relief up to €1,250/year; prosthetics 70% up to...
- मानसिक स्वास्थ्य: Not covered (psychotherapy/psychoanalysis...
- गर्भावस्था: Checkups covered (no deductible); delivery after...
कवरेज तुलना
प्लान कवरेज की तुलना
प्रत्येक प्लान में क्या शामिल है, विस्तार से देखें।
| विशेषता | Basic | Best Value Comfort | Premium |
|---|---|---|---|
| मूल कवरेज | |||
| बाह्य रोगी उपचार | 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) |
| अस्पताल (भर्ती) | 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 |
| दवाइयाँ | 100% prescribed medication (up to €250/year) | 100% prescribed medication (up to €500/year) | 100% prescribed medication (up to €1,500/year) |
| कटौती / सह-भुगतान | €120/year | €0 | €0 |
| दंत एवं दृष्टि | |||
| दंत चिकित्सा | 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 |
| दंत बजट | €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) |
| दृष्टि | Not covered | Not covered | €100 (3-month waiting period) |
| अतिरिक्त लाभ | |||
| मानसिक स्वास्थ्य | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| गर्भावस्था एवं मातृत्व | 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 |
| टेलीमेडिसिन | | | |
| प्रत्यावर्तन | | | |
| वीज़ा अनुरूप | | | |
| आवेदन Basic → | आवेदन Comfort → | आवेदन Premium → | |
Basic
Comfort Best Value
Premium
मूल कवरेज
बाह्य रोगी उपचार
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)
अस्पताल (भर्ती)
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
दवाइयाँ
100% prescribed medication (up to €250/year)
100% prescribed medication (up to €500/year)
100% prescribed medication (up to €1,500/year)
कटौती / सह-भुगतान
€120/year
€0
€0
दंत एवं दृष्टि
दंत चिकित्सा
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
दंत बजट
€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)
दृष्टि
Not covered
Not covered
€100 (3-month waiting period)
अतिरिक्त लाभ
मानसिक स्वास्थ्य
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
गर्भावस्था एवं मातृत्व
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
टेलीमेडिसिन
प्रत्यावर्तन
वीज़ा अनुरूप
क्या शामिल है
लाभ एवं कवरेज विवरण।
शामिल
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)
शामिल नहीं
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
मूल्य
आयु के अनुसार मूल्य
आयु वर्ग के अनुसार मासिक शुद्ध प्रीमियम। कोई छिपी लागत नहीं।
आयु वर्ग 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
बीमा दायित्व पूरा करता है
FAQ
Care College के बारे में अक्सर पूछे जाने वाले प्रश्न
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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अभी Care College के लिए आवेदन करें और मिनटों में कवर हो जाएँ।