MAWISTA
MAWISTA Student
Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month
부터 €28/mo–74/mo
1–60 months 기간
Germany + EU/Schengen + UK 보장 범위
✓ 비자 충족
up to 40 연령 제한
최종 업데이트: March 20, 2026
플랜 선택
이용 가능한 플랜
보장 등급을 비교하고 적합한 플랜을 선택하세요.
Classic
부터 €28 /월
- 공제액: 20% co-pay per benefit, max €250/year
- 외래: 100% medically necessary up to 1.8x GOÄ (20% co-pay, max...
- 치과: Pain relief only, up to €500/year (8-month wait for...
- 정신건강: Not covered (psychotherapy/psychoanalysis...
- 임신: Complications covered from day 1; checkups after...
Best Value
Classic Plus
부터 €36 /월
- 공제액: 15% co-pay per benefit, max €250/year
- 외래: 100% medically necessary up to 2.3x GOÄ (15% co-pay, max...
- 치과: Pain relief only, up to €500/year (8-month wait for...
- 정신건강: Not covered (psychotherapy/psychoanalysis...
- 임신: Complications covered from day 1; checkups after...
Comfort
부터 €74 /월
- 공제액: 10% co-pay per benefit, max €250/year
- 외래: 100% medically necessary + preventive up to 3.5x GOÄ (10%...
- 치과: Pain relief €500/year + prosthetics 60% up to...
- 정신건강: Not covered (psychotherapy/psychoanalysis...
- 임신: Covered with no waiting period (checkups +...
보장 비교
플랜 보장 비교
각 플랜의 보장 내용을 상세히 확인하세요.
| 기능 | Classic | Best Value Classic Plus | Comfort |
|---|---|---|---|
| 기본 보장 | |||
| 외래 진료 | 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) |
| 입원 치료 | General ward, shared room | General ward, shared room | General ward, shared room |
| 약제비 | Prescribed medication covered (20% co-pay) | Prescribed medication covered (15% co-pay) | Prescribed medication covered (10% co-pay) |
| 공제액 / 본인부담 | 20% co-pay per benefit, max €250/year | 15% co-pay per benefit, max €250/year | 10% co-pay per benefit, max €250/year |
| 치과 및 시력 | |||
| 치과 치료 | 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) |
| 치과 예산 | €500/year (pain relief only, no prosthetics) | €500/year (pain relief only, no prosthetics) | €1,000/year (incl. prosthetics at 60%) |
| 시력 | €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 |
| 추가 혜택 | |||
| 정신건강 | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) |
| 임신 및 출산 | 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 |
| 원격의료 | | | |
| 본국 송환 | | | |
| 비자 충족 | | | |
| 신청 Classic → | 신청 Classic Plus → | 신청 Comfort → | |
Classic
Classic Plus Best Value
Comfort
기본 보장
외래 진료
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)
입원 치료
General ward, shared room
General ward, shared room
General ward, shared room
약제비
Prescribed medication covered (20% co-pay)
Prescribed medication covered (15% co-pay)
Prescribed medication covered (10% co-pay)
공제액 / 본인부담
20% co-pay per benefit, max €250/year
15% co-pay per benefit, max €250/year
10% co-pay per benefit, max €250/year
치과 및 시력
치과 치료
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)
치과 예산
€500/year (pain relief only, no prosthetics)
€500/year (pain relief only, no prosthetics)
€1,000/year (incl. prosthetics at 60%)
시력
€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
추가 혜택
정신건강
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
임신 및 출산
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
원격의료
본국 송환
비자 충족
보장 내용
혜택 및 보장 세부사항.
포함
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
미보장
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)
요금
연령별 요금
연령대별 월 순보험료. 숨겨진 비용 없음.
연령대 Classic Classic Plus Best Value Comfort
0–4 €55€75€135
5–17 €39€49€89
18–29 €28€36€74
30–40 €44€56€104
보험 의무 충족
FAQ
MAWISTA Student에 대한 자주 묻는 질문
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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