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Care College — студенческое медицинское страхование
Бюджетное частное медицинское страхование от Care Concept — 3 варианта тарифов от €26/месяц с покрытием до 5 лет
От €26/mo–48/mo
~₽2 600/мес1–60 monthsСрок
Germany + EU/EEA (excl. USA, Canada, Mexico)Покрытие
✓Соответствует визе
up to 40Возрастное ограничение
Последнее обновление: March 20, 2026
Выберите тариф
Доступные тарифы
Сравните уровни покрытия и выберите подходящий тариф.
Basic
От€26/мес.
- Франшиза: €120/year
- Амбулаторное: Medically necessary treatment (up to 1.8x GOÄ fee schedule)
- Стоматология: Pain relief up to €500/year; no prosthetics; no...
- Психотерапия: Not covered (psychotherapy/psychoanalysis...
- Беременность: Checkups with €50 deductible per visit; delivery after...
Лучшее соотношение цены и качества
Comfort
От€32/мес.
- Франшиза: €0
- Амбулаторное: Medically necessary + preventive care (up to 2.3x GOÄ fee...
- Стоматология: Pain relief up to €750/year; prosthetics 50% up to...
- Психотерапия: Not covered (psychotherapy/psychoanalysis...
- Беременность: Checkups covered (no deductible); delivery after...
Premium
От€48/мес.
- Франшиза: €0
- Амбулаторное: Comprehensive — medically necessary + preventive +...
- Стоматология: Pain relief up to €1,250/year; prosthetics 70% up to...
- Психотерапия: Not covered (psychotherapy/psychoanalysis...
- Беременность: Checkups covered (no deductible); delivery after...
Сравнение покрытия
Сравнение покрытия тарифов
Узнайте, что именно покрывает каждый тариф.
| Функция | Basic | Лучшее соотношение цены и качестваComfort | Premium |
|---|---|---|---|
| Базовое покрытие | |||
| Амбулаторное лечение | 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) |
| Стационар | 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 |
| Медикаменты | 100% prescribed medication (up to €250/year) | 100% prescribed medication (up to €500/year) | 100% prescribed medication (up to €1,500/year) |
| Франшиза / Доплата | €120/year | €0 | €0 |
| Стоматология и зрение | |||
| Стоматология | 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 |
| Стоматологический бюджет | €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) |
| Зрение | Not covered | Not covered | €100 (3-month waiting period) |
| Дополнительные услуги | |||
| Психотерапия | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| Беременность и роды | 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 |
| Телемедицина | |||
| Репатриация | |||
| Соответствует визе | |||
| ОформитьBasic → | ОформитьComfort → | ОформитьPremium → | |
Basic
ComfortЛучшее соотношение цены и качества
Premium
Базовое покрытие
Амбулаторное лечение
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)
Стационар
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
Медикаменты
100% prescribed medication (up to €250/year)
100% prescribed medication (up to €500/year)
100% prescribed medication (up to €1,500/year)
Франшиза / Доплата
€120/year
€0
€0
Стоматология и зрение
Стоматология
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
Стоматологический бюджет
€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)
Зрение
Not covered
Not covered
€100 (3-month waiting period)
Дополнительные услуги
Психотерапия
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Беременность и роды
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
Телемедицина
Репатриация
Соответствует визе
Что покрывается
Детали льгот и покрытия.
Включено
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)
Не покрывается
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
Цены
Цены по возрасту
Ежемесячная нетто-премия по возрастным группам. Без скрытых платежей.
Возрастная группаBasicComfortЛучшее соотношение цены и качестваPremium
up to 29 (months 1–24)€26~₽2 600/мес€32~₽3 200/мес€48~₽4 800/мес
30–40 (months 1–24)€32~₽3 200/мес€48~₽4 800/мес€75~₽7 500/мес
up to 29 (from month 25)€49.50~₽4 950/мес€57~₽5 700/мес€73~₽7 300/мес
30–40 (from month 25)€55~₽5 500/мес€73~₽7 300/мес€99~₽9 900/мес
Соответствует страховой обязанности
FAQ
Часто задаваемые вопросы о Care College — студенческое медицинское страхование
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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