Care Concept

Care College Öğrenci Sağlık Sigortası

Q: Is Care College accepted for the German student visa?

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.

Q: What is the cheapest Care College plan?

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.

Q: Does Care College cover mental health or psychotherapy?

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.

Q: Does Care College cover pregnancy?

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.

Q: Why do Care College prices increase after month 24?

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).

Q: Does Care College offer a money-back guarantee?

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%.

Care Concept tarafından sunulan uygun fiyatlı özel sağlık sigortası — €26/ay başlayarak 3 katman, 5 yıla kadar kapsam

Başlangıç €26/mo–48/mo

~₺988/ay

Şimdi başvur

1–60 monthsSüre

Germany + EU/EEA (excl. USA, Canada, Mexico)Kapsam

✓Vize Uyumlu

up to 40Yaş Sınırı

Son güncelleme: March 20, 2026

Planınızı seçin

Mevcut Planlar

Kapsam seviyelerini karşılaştırın ve size uygun planı seçin.

Temel

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...

Şimdi başvur →

En İyi Fiyat-Performans

Confort

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...

Şimdi başvur →

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...

Şimdi başvur →

Kapsam karşılaştırma

Plan Kapsamını Karşılaştır

Her planın neleri kapsadığını ayrıntılı görün.

Comparison of 3 providers
Özellik	Temel	En İyi Fiyat-PerformansConfort	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
	BaşvurTemel →	BaşvurConfort →	BaşvurPremium →

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

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

€100 (3-month waiting period)

Ek Avantajlar

Ruh Sağlığı

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

Teletıp

Geri Dönüş

Vize Uyumlu

Temel →

Confort →

Premium →

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 GrubuTemelConfortEn İyi Fiyat-PerformansPremium

up to 29 (months 1–24)€26~₺988/ay€32~₺1.216/ay€48~₺1.824/ay

30–40 (months 1–24)€32~₺1.216/ay€48~₺1.824/ay€75~₺2.850/ay

up to 29 (from month 25)€49.50~₺1.881/ay€57~₺2.166/ay€73~₺2.774/ay

30–40 (from month 25)€55~₺2.090/ay€73~₺2.774/ay€99~₺3.762/ay

Sigorta yükümlülüğünü karşılar

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