Care Concept
Care College
Budget-friendly private health insurance by Care Concept — 3 tiers from €27.50/month with up to 5 years coverage
At a glance Care Concept
Monthly premiumFrom €27.50–48/mo
Duration1–60 months
CoverageGermany + EU/EEA (excl. USA, Canada, Mexico)
Age Limitup to 40
Visa Compliant Yes
Last updatedSeptember 30, 2026
01Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Basic
From€27.50/mo
- Deductible: €120/year
- Outpatient: Medically necessary treatment (up to 1.8x GOÄ fee schedule)
- Dental: Pain relief up to €500/year; no prosthetics; no...
- Mental health: Not covered (psychotherapy/psychoanalysis...
- Pregnancy: Checkups with €50 deductible per visit; delivery after...
Comfort
From€34/mo
- Deductible: €0
- Outpatient: Medically necessary + preventive care (up to 2.3x GOÄ fee...
- Dental: Pain relief up to €750/year; prosthetics 50% up to...
- Mental health: Not covered (psychotherapy/psychoanalysis...
- Pregnancy: Checkups covered (no deductible); delivery after...
Premium
From€48/mo
- Deductible: €0
- Outpatient: Comprehensive — medically necessary + preventive +...
- Dental: Pain relief up to €1,250/year; prosthetics 70% up to...
- Mental health: Not covered (psychotherapy/psychoanalysis...
- Pregnancy: Checkups covered (no deductible); delivery after...
02Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Basic | Comfort | Premium |
|---|---|---|---|
| Core Coverage | |||
| Outpatient Treatment | 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) |
| Hospital (Inpatient) | 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 |
| Medication | 100% prescribed medication (up to €250/year) | 100% prescribed medication (up to €500/year) | 100% prescribed medication (up to €1,500/year) |
| Deductible / Co-pay | €120/year | €0 | €0 |
| Dental & Vision | |||
| Dental Care | 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 |
| Dental Budget | €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) |
| Vision | Not covered | Not covered | €100 (3-month waiting period) |
| Additional Benefits | |||
| Mental Health | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| Pregnancy & Maternity | 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 |
| Telemedicine | |||
| Repatriation | |||
| Visa Compliant | |||
| Visit Basic→ | Visit Comfort→ | Visit Premium→ | |
Basic
Comfort
Premium
Core Coverage
Outpatient Treatment
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)
Hospital (Inpatient)
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
Medication
100% prescribed medication (up to €250/year)
100% prescribed medication (up to €500/year)
100% prescribed medication (up to €1,500/year)
Deductible / Co-pay
€120/year
€0
€0
Dental & Vision
Dental Care
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
Dental Budget
€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)
Vision
Not covered
Not covered
€100 (3-month waiting period)
Additional Benefits
Mental Health
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Pregnancy & Maternity
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
Telemedicine
Repatriation
Visa Compliant
03Coverage
What's Covered
Benefits and coverage details.
Included
Lowest entry price of the private plans we compare: €27.50/month (Basic, under 29, first 24 months)
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)
Not Covered
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
04Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupBasicComfortPremium
up to 29 (months 1–24)€27.50€34€48
30–40 (months 1–24)€33.50€50€75
up to 29 (from month 25)€49.50€57€73
30–40 (from month 25)€55€73€99
Fulfills insurance obligation
05Providers
More PKV providers
06FAQ
Frequently Asked Questions about 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 €27.50/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 €27.50 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%.
Ready to Get Insured?
Check the latest terms and prices for Care College on the provider's official website.
Care Collegefrom €27.50/mo
Visit Care Concept