MAWISTA
MAWISTA Student
Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month
От €28/mo–74/mo
1–60 months Срок
Germany + EU/Schengen + UK Покрытие
✓ Соответствует визе
up to 40 Возрастное ограничение
Последнее обновление: March 20, 2026
Выберите тариф
Доступные тарифы
Сравните уровни покрытия и выберите подходящий тариф.
Classic
От €28 /мес.
- Франшиза: 20% co-pay per benefit, max €250/year
- Амбулаторное: 100% medically necessary up to 1.8x GOÄ (20% co-pay, max...
- Стоматология: Pain relief only, up to €500/year (8-month wait for...
- Психотерапия: Not covered (psychotherapy/psychoanalysis...
- Беременность: Complications covered from day 1; checkups after...
Best Value
Classic Plus
От €36 /мес.
- Франшиза: 15% co-pay per benefit, max €250/year
- Амбулаторное: 100% medically necessary up to 2.3x GOÄ (15% co-pay, max...
- Стоматология: Pain relief only, up to €500/year (8-month wait for...
- Психотерапия: Not covered (psychotherapy/psychoanalysis...
- Беременность: Complications covered from day 1; checkups after...
Comfort
От €74 /мес.
- Франшиза: 10% co-pay per benefit, max €250/year
- Амбулаторное: 100% medically necessary + preventive up to 3.5x GOÄ (10%...
- Стоматология: Pain relief €500/year + prosthetics 60% up to...
- Психотерапия: Not covered (psychotherapy/psychoanalysis...
- Беременность: Covered with no waiting period (checkups +...
Сравнение покрытия
Сравнение покрытия тарифов
Узнайте, что именно покрывает каждый тариф.
| Функция | Classic | Best Value Classic Plus | Comfort |
|---|---|---|---|
| Базовое покрытие | |||
| Амбулаторное лечение | 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) |
| Стационар | General ward, shared room | General ward, shared room | General ward, shared room |
| Медикаменты | Prescribed medication covered (20% co-pay) | Prescribed medication covered (15% co-pay) | Prescribed medication covered (10% co-pay) |
| Франшиза / Доплата | 20% co-pay per benefit, max €250/year | 15% co-pay per benefit, max €250/year | 10% co-pay per benefit, max €250/year |
| Стоматология и зрение | |||
| Стоматология | 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) |
| Стоматологический бюджет | €500/year (pain relief only, no prosthetics) | €500/year (pain relief only, no prosthetics) | €1,000/year (incl. prosthetics at 60%) |
| Зрение | €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 |
| Дополнительные услуги | |||
| Психотерапия | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) |
| Беременность и роды | 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 |
| Телемедицина | | | |
| Репатриация | | | |
| Соответствует визе | | | |
| Оформить Classic → | Оформить Classic Plus → | Оформить Comfort → | |
Classic
Classic Plus Best Value
Comfort
Базовое покрытие
Амбулаторное лечение
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)
Стационар
General ward, shared room
General ward, shared room
General ward, shared room
Медикаменты
Prescribed medication covered (20% co-pay)
Prescribed medication covered (15% co-pay)
Prescribed medication covered (10% co-pay)
Франшиза / Доплата
20% co-pay per benefit, max €250/year
15% co-pay per benefit, max €250/year
10% co-pay per benefit, max €250/year
Стоматология и зрение
Стоматология
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)
Стоматологический бюджет
€500/year (pain relief only, no prosthetics)
€500/year (pain relief only, no prosthetics)
€1,000/year (incl. prosthetics at 60%)
Зрение
€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
Дополнительные услуги
Психотерапия
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Беременность и роды
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
Телемедицина
Репатриация
Соответствует визе
Что покрывается
Детали льгот и покрытия.
Включено
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
Не покрывается
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)
Цены
Цены по возрасту
Ежемесячная нетто-премия по возрастным группам. Без скрытых платежей.
Возрастная группа 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
Соответствует страховой обязанности
FAQ
Часто задаваемые вопросы о 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.
Готовы оформить страховку?
Оформите MAWISTA Student сейчас и получите покрытие за несколько минут.