MAWISTAअभी आवेदन करें
MAWISTA Student छात्र बीमा
जर्मनी में अंतर्राष्ट्रीय छात्रों के लिए सस्ती निजी स्वास्थ्य बीमा — €28/माह से शुरू होने वाली 3 योजना
से €28/mo–74/mo
~₹2,576/माह1–60 monthsअवधि
Germany + EU/Schengen + UKकवरेज
✓वीज़ा अनुरूप
up to 40आयु सीमा
अंतिम अपडेट: March 20, 2026
अपना प्लान चुनें
उपलब्ध प्लान
कवरेज स्तरों की तुलना करें और अपनी ज़रूरत के अनुसार प्लान चुनें।
क्लासिक
से€28/माह
- कटौती: 20% co-pay per benefit, max €250/year
- बाह्य रोगी: 100% medically necessary up to 1.8x GOÄ (20% co-pay, max...
- दंत चिकित्सा: Pain relief only, up to €500/year (8-month wait for...
- मानसिक स्वास्थ्य: Not covered (psychotherapy/psychoanalysis...
- गर्भावस्था: Complications covered from day 1; checkups after...
सर्वश्रेष्ठ मूल्य
क्लासिक प्लस
से€36/माह
- कटौती: 15% co-pay per benefit, max €250/year
- बाह्य रोगी: 100% medically necessary up to 2.3x GOÄ (15% co-pay, max...
- दंत चिकित्सा: Pain relief only, up to €500/year (8-month wait for...
- मानसिक स्वास्थ्य: Not covered (psychotherapy/psychoanalysis...
- गर्भावस्था: Complications covered from day 1; checkups after...
कम्फर्ट
से€74/माह
- कटौती: 10% co-pay per benefit, max €250/year
- बाह्य रोगी: 100% medically necessary + preventive up to 3.5x GOÄ (10%...
- दंत चिकित्सा: Pain relief €500/year + prosthetics 60% up to...
- मानसिक स्वास्थ्य: Not covered (psychotherapy/psychoanalysis...
- गर्भावस्था: Covered with no waiting period (checkups +...
कवरेज तुलना
प्लान कवरेज की तुलना
प्रत्येक प्लान में क्या शामिल है, विस्तार से देखें।
| विशेषता | क्लासिक | सर्वश्रेष्ठ मूल्यक्लासिक प्लस | कम्फर्ट |
|---|---|---|---|
| मूल कवरेज | |||
| बाह्य रोगी उपचार | 100% medically necessary up to 1.8x GOÄ (20% co-pay, max €250/yr) | 100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr) | 100% medically necessary + preventive up to 3.5x GOÄ (10% co-pay, max €250/yr) |
| अस्पताल (भर्ती) | General ward, shared room | General ward, shared room | General ward, shared room |
| दवाइयाँ | Prescribed medication covered (20% co-pay) | Prescribed medication covered (15% co-pay) | Prescribed medication covered (10% co-pay) |
| कटौती / सह-भुगतान | 20% co-pay per benefit, max €250/year | 15% co-pay per benefit, max €250/year | 10% co-pay per benefit, max €250/year |
| दंत एवं दृष्टि | |||
| दंत चिकित्सा | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief €500/year + prosthetics 60% up to €1,000/year (8-month wait) |
| दंत बजट | €500/year (pain relief only, no prosthetics) | €500/year (pain relief only, no prosthetics) | €1,000/year (incl. prosthetics at 60%) |
| दृष्टि | €250/year for accident-related aids only | €250/year for accident-related aids only | €100/year accident-related vision aids (3-month waiting period); €1,000/year accident-related medical aids |
| अतिरिक्त लाभ | |||
| मानसिक स्वास्थ्य | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) |
| गर्भावस्था एवं मातृत्व | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Covered with no waiting period (checkups + childbirth); must not be pregnant at enrollment |
| टेलीमेडिसिन | |||
| प्रत्यावर्तन | |||
| वीज़ा अनुरूप | |||
| आवेदनक्लासिक → | आवेदनक्लासिक प्लस → | आवेदनकम्फर्ट → | |
क्लासिक
क्लासिक प्लससर्वश्रेष्ठ मूल्य
कम्फर्ट
मूल कवरेज
बाह्य रोगी उपचार
100% medically necessary up to 1.8x GOÄ (20% co-pay, max €250/yr)
100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr)
100% medically necessary + preventive up to 3.5x GOÄ (10% co-pay, max €250/yr)
अस्पताल (भर्ती)
General ward, shared room
General ward, shared room
General ward, shared room
दवाइयाँ
Prescribed medication covered (20% co-pay)
Prescribed medication covered (15% co-pay)
Prescribed medication covered (10% co-pay)
कटौती / सह-भुगतान
20% co-pay per benefit, max €250/year
15% co-pay per benefit, max €250/year
10% co-pay per benefit, max €250/year
दंत एवं दृष्टि
दंत चिकित्सा
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief €500/year + prosthetics 60% up to €1,000/year (8-month wait)
दंत बजट
€500/year (pain relief only, no prosthetics)
€500/year (pain relief only, no prosthetics)
€1,000/year (incl. prosthetics at 60%)
दृष्टि
€250/year for accident-related aids only
€250/year for accident-related aids only
€100/year accident-related vision aids (3-month waiting period); €1,000/year accident-related medical aids
अतिरिक्त लाभ
मानसिक स्वास्थ्य
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
गर्भावस्था एवं मातृत्व
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Covered with no waiting period (checkups + childbirth); must not be pregnant at enrollment
टेलीमेडिसिन
प्रत्यावर्तन
वीज़ा अनुरूप
क्या शामिल है
लाभ एवं कवरेज विवरण।
शामिल
Cheapest entry at €28/month (Classic, age 18–29)
Visa-compliant for all German visa types
Retroactive enrollment possible (within 31 days of entry)
Comfort plan covers pregnancy from day 1 with no waiting period
Medical repatriation covered at unlimited amount
Coverage valid in Germany + all EU/Schengen states + UK
Online application with instant insurance certificate
शामिल नहीं
All plans have co-payment (20%/15%/10% per benefit, max €250/year)
NO mental health/psychotherapy coverage on ANY plan (including Comfort)
Classic and Classic Plus require 3-month wait for pregnancy checkups, 8-month wait for childbirth
No dental prosthetics on Classic and Classic Plus
No vision coverage on Classic and Classic Plus
Significantly more expensive for students over 30 (€44–€104/month)
मूल्य
आयु के अनुसार मूल्य
आयु वर्ग के अनुसार मासिक शुद्ध प्रीमियम। कोई छिपी लागत नहीं।
आयु वर्गक्लासिकक्लासिक प्लससर्वश्रेष्ठ मूल्यकम्फर्ट
0–4€55~₹5,060/माह€75~₹6,900/माह€135~₹12,420/माह
5–17€39~₹3,588/माह€49~₹4,508/माह€89~₹8,188/माह
18–29€28~₹2,576/माह€36~₹3,312/माह€74~₹6,808/माह
30–40€44~₹4,048/माह€56~₹5,152/माह€104~₹9,568/माह
बीमा दायित्व पूरा करता है
FAQ
MAWISTA Student छात्र बीमा के बारे में अक्सर पूछे जाने वाले प्रश्न
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.
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