DR-WALTER
Provisit Student
Comprehensive private health insurance by DR-WALTER/Barmenia — equivalent to statutory insurance with no age limit
От €79/mo
2–60 months (converts to unlimited tariff after 5 years) Срок
Germany + Europe Покрытие
✓ Соответствует визе
no age limit Возрастное ограничение
Последнее обновление: March 20, 2026
Что покрывается
Детали льгот и покрытия.
Включено
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
No deductible
Dental coverage includes prosthetics and orthodontics (50% up to €500/year)
Converts to unlimited tariff after 5 years — no coverage gap
€30,000 death/burial cost coverage
Long-term care insurance included
Accepted at all consulates, embassies, and immigration authorities
Не покрывается
Higher entry price at €79/month (vs €26–€39 for competitors)
Significantly expensive over 30 (€129/month) and over 60 (€650/month)
No retroactive enrollment
8-month waiting period for psychotherapy benefits
Must not be pregnant at time of enrollment
Vision coverage limited to €100 every 2 years (not annually)
Minimum contract duration 2 months
Цены
Цены по возрасту
Ежемесячная нетто-премия по возрастным группам. Без скрытых платежей.
Возрастная группа Ежемесячная премия
up to 29 €79
up to 45 €129
up to 59 €166
60+ €650
Соответствует страховой обязанности
FAQ
Часто задаваемые вопросы о Provisit Student
Yes, Provisit Student is a substitutive comprehensive health insurance (§146 VAG) accepted by all German consulates, embassies, and immigration offices for student visa applications. It meets all regulatory requirements.
Provisit Student is developed by DR-WALTER (an international insurance specialist since 1959) in cooperation with Barmenia Krankenversicherung AG as the underwriting insurer. It is sold through the provisit.com platform.
Yes, Provisit Student is specifically designed for students who have aged out of statutory insurance (GKV). There is no age limit. Students up to 29 pay €79/month, 30–45 pay €129/month, 46–59 pay €166/month, and 60+ pay €650/month.
Yes, psychotherapy is covered at 75% of costs after an 8-month waiting period. This is one of the few private student insurance plans that covers psychotherapy at all.
After 60 months, your Provisit Student policy automatically converts to an unlimited (open-ended) tariff. This means you do not face a coverage gap and can continue your insurance without interruption.
Provisit Student is designed to match GKV coverage scope. It covers outpatient, inpatient, dental, pregnancy, and psychotherapy — like GKV. At €79/month (under 29), it's cheaper than GKV (about €120/month). The main difference: GKV covers pre-existing conditions from day 1, while Provisit Student has waiting periods and exclusions.
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