민간 건강보험
독일 유학생을 위한 민간 건강보험 (PKV)
모든 PKV 플랜을 나란히 비교하세요. 기본 비자 적합부터 종합 프리미엄 플랜까지 예산에 맞는 보장을 찾아보세요.
Care College
Care Concept
Budget-friendly private health insurance by Care Concept — 3 tiers from €26/month with up to 5 years coverage
부터 €26/mo
- 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
Educare24
DR-WALTER
Flexible private health insurance by DR-WALTER with 4 plan tiers — includes accident & liability insurance from the M plan
부터 €34.50/mo
- 4 plan tiers with clear upgrade path (S → M → L → XL)
- M plan includes accident (€105k disability) + liability (€1M) + deportation insurance for just €4.50 more than S
- All plans cover pregnancy and childbirth with no waiting period
- No deductible on any plan
HanseMerkur Young Travel
HanseMerkur
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
부터 €36/mo
- Affordable daily pricing from €1.19/day (Basic) or €1.75/day (Profi)
- Profi plan includes accident (€60k disability) + liability (€2.5M) + emergency insurance
- Profi plan covers psychotherapy up to €1,000/year
- Profi plan covers pregnancy exams and delivery
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MAWISTA Student
MAWISTA
Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month
부터 €28/mo
- 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
Provisit Student
DR-WALTER
Comprehensive private health insurance by DR-WALTER/Barmenia — equivalent to statutory insurance with no age limit
부터 €79/mo
- Most comprehensive PKV plan — equivalent to statutory (GKV) coverage scope
- No age limit — accepts students of any age (only price differs)
- Psychotherapy covered at 75% (rare among private student insurances)
- Full pregnancy and childbirth coverage included
FAQ
자주 묻는 질문
International students on language courses, exchange programs, or preparatory courses (Studienkolleg) typically need PKV since they are not eligible for public insurance (GKV). Students over 30 or those exceeding the 14-semester limit also switch to PKV.
Private student health insurance in Germany starts from around €37/month for basic coverage. Premiums depend on your age, chosen plan level, and coverage scope. Most students pay between €37–78/month.
Yes, all PKV plans listed here are visa-compliant and accepted by German embassies and consulates for student visa applications. You receive an insurance certificate upon enrollment.
Switching from private to public insurance is possible if you start a degree program at a German university and are under 30. You must switch within 3 months of enrollment. Language course students on PKV can switch to GKV when they start their degree.
PKV covers outpatient treatment, hospital stays, prescribed medication, and emergency dental care. Higher-tier plans add mental health coverage, vision, pregnancy, and private hospital rooms.
선택에 도움이 필요하신가요?
플랜을 나란히 비교하거나 퀴즈를 풀어 최적의 플랜을 찾으세요.