Private Health InsuranceInsurance Comparison 2026
MAWISTA Student vs. Care College
An independent side-by-side comparison covering benefits, costs, and coverage details.
Based on official policy documentsUpdated September 2026Independent comparison
01Side by side
Features compared
Comparing featured plans: MAWISTA Student Classic Plus, Care College Comfort. Each provider offers multiple tiers.
| Feature | MAWISTA StudentView Details | Care CollegeView Details |
|---|---|---|
| Cost & Price | ||
| Monthly price (from) | €28/mo | €27.50/moBetter |
| Deductible | 15% co-pay per benefit, max €250/year | €0 |
| Contract duration | 1–60 months | 1–60 months |
| Core Coverage | ||
| Outpatient care | 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) |
| Hospital / inpatient | General ward, shared room | General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs |
| Dental care | 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 |
| Dental annual budgetMaximum dental reimbursement per year | €500/year (pain relief only, no prosthetics) | €750/year pain relief + €500 prosthetics (50%, 2-year period) |
| Medication | Prescribed medication covered (15% co-pay) | 100% prescribed medication (up to €500/year) |
| Additional Coverage | ||
| Mental health / psychotherapy | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| Pregnancy & maternity | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Checkups covered (no deductible); delivery after 8-month wait |
| Vision (glasses/contacts) | €250/year for accident-related aids only | Not covered |
| Telemedicine | ||
| Repatriation / medical transport | ||
| Service & Extras | ||
| Retroactive enrollmentCan you sign up after your start date? | Better | |
| Visa compliant | ||
| Visit MAWISTA Student→ | Visit Care College→ | |
MAWISTA StudentView Details
Care CollegeView Details
Cost & Price
Monthly price (from)
€28/mo
€27.50/moBetter
Deductible
15% co-pay per benefit, max €250/year
€0
Contract duration
1–60 months
1–60 months
Core Coverage
Outpatient care
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)
Hospital / inpatient
General ward, shared room
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
Dental care
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
Dental annual budget
Maximum dental reimbursement per year
€500/year (pain relief only, no prosthetics)
€750/year pain relief + €500 prosthetics (50%, 2-year period)
Medication
Prescribed medication covered (15% co-pay)
100% prescribed medication (up to €500/year)
Additional Coverage
Mental health / psychotherapy
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Pregnancy & maternity
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Checkups covered (no deductible); delivery after 8-month wait
Vision (glasses/contacts)
€250/year for accident-related aids only
Not covered
Telemedicine
Repatriation / medical transport
Service & Extras
Retroactive enrollment
Can you sign up after your start date?
Better
Visa compliant
02FAQ
Frequently Asked Questions
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 €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.
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