MAWISTAApply Now
MAWISTA Student
Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month
From €28/mo–74/mo
1–60 monthsDuration
Germany + EU/Schengen + UKCoverage
✓Visa Compliant
up to 40Age Limit
Last updated: March 20, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Classic
From€28/month
- Deductible: 20% co-pay per benefit, max €250/year
- Outpatient: 100% medically necessary up to 1.8x GOÄ (20% co-pay, max...
- Dental: Pain relief only, up to €500/year (8-month wait for...
- Mental health: Not covered (psychotherapy/psychoanalysis...
- Pregnancy: Complications covered from day 1; checkups after...
Best Value
Classic Plus
From€36/month
- Deductible: 15% co-pay per benefit, max €250/year
- Outpatient: 100% medically necessary up to 2.3x GOÄ (15% co-pay, max...
- Dental: Pain relief only, up to €500/year (8-month wait for...
- Mental health: Not covered (psychotherapy/psychoanalysis...
- Pregnancy: Complications covered from day 1; checkups after...
Comfort
From€74/month
- Deductible: 10% co-pay per benefit, max €250/year
- Outpatient: 100% medically necessary + preventive up to 3.5x GOÄ (10%...
- Dental: Pain relief €500/year + prosthetics 60% up to...
- Mental health: Not covered (psychotherapy/psychoanalysis...
- Pregnancy: Covered with no waiting period (checkups +...
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Classic | Best ValueClassic Plus | Comfort |
|---|---|---|---|
| Core Coverage | |||
| Outpatient Treatment | 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) |
| Hospital (Inpatient) | General ward, shared room | General ward, shared room | General ward, shared room |
| Medication | Prescribed medication covered (20% co-pay) | Prescribed medication covered (15% co-pay) | Prescribed medication covered (10% co-pay) |
| Deductible / Co-pay | 20% co-pay per benefit, max €250/year | 15% co-pay per benefit, max €250/year | 10% co-pay per benefit, max €250/year |
| Dental & Vision | |||
| Dental Care | 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) |
| Dental Budget | €500/year (pain relief only, no prosthetics) | €500/year (pain relief only, no prosthetics) | €1,000/year (incl. prosthetics at 60%) |
| Vision | €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 |
| Additional Benefits | |||
| Mental Health | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) |
| Pregnancy & Maternity | 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 |
| Telemedicine | |||
| Repatriation | |||
| Visa Compliant | |||
| ApplyClassic → | ApplyClassic Plus → | ApplyComfort → | |
Classic
Classic PlusBest Value
Comfort
Core Coverage
Outpatient Treatment
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)
Hospital (Inpatient)
General ward, shared room
General ward, shared room
General ward, shared room
Medication
Prescribed medication covered (20% co-pay)
Prescribed medication covered (15% co-pay)
Prescribed medication covered (10% co-pay)
Deductible / Co-pay
20% co-pay per benefit, max €250/year
15% co-pay per benefit, max €250/year
10% co-pay per benefit, max €250/year
Dental & Vision
Dental Care
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)
Dental Budget
€500/year (pain relief only, no prosthetics)
€500/year (pain relief only, no prosthetics)
€1,000/year (incl. prosthetics at 60%)
Vision
€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
Additional Benefits
Mental Health
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Pregnancy & Maternity
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
Telemedicine
Repatriation
Visa Compliant
What's Covered
Benefits and coverage details.
Included
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
Not Covered
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)
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupClassicClassic PlusBest ValueComfort
0–4€55€75€135
5–17€39€49€89
18–29€28€36€74
30–40€44€56€104
Fulfills insurance obligation
FAQ
Frequently Asked Questions about MAWISTA Student
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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