Care Concept
Care College
Budget-friendly private health insurance by Care Concept — 3 tiers from €26/month with up to 5 years coverage
Başlangıç €26/mo–48/mo
1–60 months Süre
Germany + EU/EEA (excl. USA, Canada, Mexico) Kapsam
✓ Vize Uyumlu
up to 40 Yaş Sınırı
Son güncelleme: March 20, 2026
Planınızı seçin
Mevcut Planlar
Kapsam seviyelerini karşılaştırın ve size uygun planı seçin.
Basic
Başlangıç €26 /ay
- Muafiyet: €120/year
- Ayakta tedavi: Medically necessary treatment (up to 1.8x GOÄ fee schedule)
- Diş: Pain relief up to €500/year; no prosthetics; no...
- Ruh sağlığı: Not covered (psychotherapy/psychoanalysis...
- Hamilelik: Checkups with €50 deductible per visit; delivery after...
Best Value
Comfort
Başlangıç €32 /ay
- Muafiyet: €0
- Ayakta tedavi: Medically necessary + preventive care (up to 2.3x GOÄ fee...
- Diş: Pain relief up to €750/year; prosthetics 50% up to...
- Ruh sağlığı: Not covered (psychotherapy/psychoanalysis...
- Hamilelik: Checkups covered (no deductible); delivery after...
Premium
Başlangıç €48 /ay
- Muafiyet: €0
- Ayakta tedavi: Comprehensive — medically necessary + preventive +...
- Diş: Pain relief up to €1,250/year; prosthetics 70% up to...
- Ruh sağlığı: Not covered (psychotherapy/psychoanalysis...
- Hamilelik: Checkups covered (no deductible); delivery after...
Kapsam karşılaştırma
Plan Kapsamını Karşılaştır
Her planın neleri kapsadığını ayrıntılı görün.
| Özellik | Basic | Best Value Comfort | Premium |
|---|---|---|---|
| Temel Kapsam | |||
| Ayakta Tedavi | 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) |
| Yatarak Tedavi | 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 |
| İlaç | 100% prescribed medication (up to €250/year) | 100% prescribed medication (up to €500/year) | 100% prescribed medication (up to €1,500/year) |
| Muafiyet / Katılım Payı | €120/year | €0 | €0 |
| Diş & Görme | |||
| Diş Bakımı | 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 |
| Diş Bütçesi | €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) |
| Görme | Not covered | Not covered | €100 (3-month waiting period) |
| Ek Avantajlar | |||
| Ruh Sağlığı | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| Hamilelik & Doğum | 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 |
| Teletıp | | | |
| Geri Dönüş | | | |
| Vize Uyumlu | | | |
| Başvur Basic → | Başvur Comfort → | Başvur Premium → | |
Basic
Comfort Best Value
Premium
Temel Kapsam
Ayakta Tedavi
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)
Yatarak Tedavi
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
İlaç
100% prescribed medication (up to €250/year)
100% prescribed medication (up to €500/year)
100% prescribed medication (up to €1,500/year)
Muafiyet / Katılım Payı
€120/year
€0
€0
Diş & Görme
Diş Bakımı
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
Diş Bütçesi
€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)
Görme
Not covered
Not covered
€100 (3-month waiting period)
Ek Avantajlar
Ruh Sağlığı
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Hamilelik & Doğum
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
Teletıp
Geri Dönüş
Vize Uyumlu
Neler Kapsanıyor
Avantajlar ve kapsam detayları.
Dahil
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)
Kapsam Dışı
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
Fiyatlar
Yaşa Göre Fiyatlar
Yaş grubuna göre aylık net prim. Gizli ücret yok.
Yaş Grubu Basic Comfort Best Value Premium
up to 29 (months 1–24) €26€32€48
30–40 (months 1–24) €32€48€75
up to 29 (from month 25) €49.50€57€73
30–40 (from month 25) €55€73€99
Sigorta yükümlülüğünü karşılar
SSS
Care College hakkında sık sorulan sorular
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%.
Sigortalanmaya hazır mısınız?
Care College için hemen başvurun ve dakikalar içinde sigortalanın.