Care Concept지금 신청
Care College 학생 건강보험
Care Concept의 저가 민간 건강보험 — €26/월부터 3단계, 최대 5년 보장
부터 €26/mo–48/mo
~₩39,000/월1–60 months기간
Germany + EU/EEA (excl. USA, Canada, Mexico)보장 범위
✓비자 충족
up to 40연령 제한
최종 업데이트: March 20, 2026
플랜 선택
이용 가능한 플랜
보장 등급을 비교하고 적합한 플랜을 선택하세요.
기본
부터€26/월
- 공제액: €120/year
- 외래: Medically necessary treatment (up to 1.8x GOÄ fee schedule)
- 치과: Pain relief up to €500/year; no prosthetics; no...
- 정신건강: Not covered (psychotherapy/psychoanalysis...
- 임신: Checkups with €50 deductible per visit; delivery after...
최고의 가치
편의
부터€32/월
- 공제액: €0
- 외래: Medically necessary + preventive care (up to 2.3x GOÄ fee...
- 치과: Pain relief up to €750/year; prosthetics 50% up to...
- 정신건강: Not covered (psychotherapy/psychoanalysis...
- 임신: Checkups covered (no deductible); delivery after...
프리미엄
부터€48/월
- 공제액: €0
- 외래: Comprehensive — medically necessary + preventive +...
- 치과: Pain relief up to €1,250/year; prosthetics 70% up to...
- 정신건강: Not covered (psychotherapy/psychoanalysis...
- 임신: Checkups covered (no deductible); delivery after...
보장 비교
플랜 보장 비교
각 플랜의 보장 내용을 상세히 확인하세요.
| 기능 | 기본 | 최고의 가치편의 | 프리미엄 |
|---|---|---|---|
| 기본 보장 | |||
| 외래 진료 | 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) |
| 입원 치료 | 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 |
| 약제비 | 100% prescribed medication (up to €250/year) | 100% prescribed medication (up to €500/year) | 100% prescribed medication (up to €1,500/year) |
| 공제액 / 본인부담 | €120/year | €0 | €0 |
| 치과 및 시력 | |||
| 치과 치료 | 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 |
| 치과 예산 | €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) |
| 시력 | Not covered | Not covered | €100 (3-month waiting period) |
| 추가 혜택 | |||
| 정신건강 | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| 임신 및 출산 | 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 |
| 원격의료 | |||
| 본국 송환 | |||
| 비자 충족 | |||
| 신청기본 → | 신청편의 → | 신청프리미엄 → | |
기본
편의최고의 가치
프리미엄
기본 보장
외래 진료
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)
입원 치료
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
약제비
100% prescribed medication (up to €250/year)
100% prescribed medication (up to €500/year)
100% prescribed medication (up to €1,500/year)
공제액 / 본인부담
€120/year
€0
€0
치과 및 시력
치과 치료
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
치과 예산
€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)
시력
Not covered
Not covered
€100 (3-month waiting period)
추가 혜택
정신건강
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
임신 및 출산
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
원격의료
본국 송환
비자 충족
보장 내용
혜택 및 보장 세부사항.
포함
Cheapest entry price from €26/month (Basic, under 29)
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)
미보장
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
요금
연령별 요금
연령대별 월 순보험료. 숨겨진 비용 없음.
연령대기본편의최고의 가치프리미엄
up to 29 (months 1–24)€26~₩39,000/월€32~₩48,000/월€48~₩72,000/월
30–40 (months 1–24)€32~₩48,000/월€48~₩72,000/월€75~₩113,000/월
up to 29 (from month 25)€49.50~₩74,000/월€57~₩86,000/월€73~₩110,000/월
30–40 (from month 25)€55~₩83,000/월€73~₩110,000/월€99~₩149,000/월
보험 의무 충족
FAQ
Care College 학생 건강보험에 대한 자주 묻는 질문
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 €26/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 €26 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%.
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지금 Care College 학생 건강보험을(를) 신청하고 몇 분 안에 보장받으세요.