Insurance Comparison 2026
MAWISTA Studentvs.Educare24
An independent side-by-side comparison covering benefits, costs, and coverage details.
✓ Based on official policy documents✓ Updated March 2026✓ Independent comparison
Comparing featured plans: MAWISTA Student Classic Plus, Educare24 M (Medium). Each provider offers multiple tiers.
| Feature | Popular ChoiceMAWISTA StudentView Details | Educare24View Details |
|---|---|---|
| Cost & Price | ||
| Monthly price (from) | €36/moBetter | €39/mo |
| 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 treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year |
| Hospital / inpatient | General ward, shared room | Inpatient treatment and operations covered |
| Dental care | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000 |
| Dental annual budgetMaximum dental reimbursement per year | €500/year (pain relief only, no prosthetics) | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics |
| Medication | Prescribed medication covered (15% co-pay) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) |
| Additional Coverage | ||
| Mental health / psychotherapy | Not covered (psychotherapy/psychoanalysis excluded) | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded |
| Pregnancy & maternity | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Pregnancy checkups and childbirth covered (conception must occur after policy start) |
| 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? | ||
| Visa compliant | ||
| VisitMAWISTA Student → | VisitEducare24 → | |
Educare24View Details
Cost & Price
Monthly price (from)
€36/moBetter
€39/mo
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 treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year
Hospital / inpatient
General ward, shared room
Inpatient treatment and operations covered
Dental care
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000
Dental annual budget
Maximum dental reimbursement per year
€500/year (pain relief only, no prosthetics)
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
Medication
Prescribed medication covered (15% co-pay)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Additional Coverage
Mental health / psychotherapy
Not covered (psychotherapy/psychoanalysis excluded)
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Pregnancy & maternity
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Pregnancy checkups and childbirth covered (conception must occur after policy start)
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?
Visa compliant
FAQ
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 Educare24 plans (S, M, L, XL) are visa-compliant and accepted by German embassies and immigration offices for student visa applications.
The M plan (€39/month) is recommended. For only €4.50 more than the S plan, you get accident insurance (€105,000 disability coverage), personal liability (€1,000,000), and deportation cost coverage. The health insurance benefits are essentially the same across all plans — the main differences are in the extras.
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