MAWISTA
MAWISTA Student
Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month
Başlangıç €28/mo–74/mo
1–60 months Süre
Germany + EU/Schengen + UK 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.
Classic
Başlangıç €28 /ay
- Muafiyet: 20% co-pay per benefit, max €250/year
- Ayakta tedavi: 100% medically necessary up to 1.8x GOÄ (20% co-pay, max...
- Diş: Pain relief only, up to €500/year (8-month wait for...
- Ruh sağlığı: Not covered (psychotherapy/psychoanalysis...
- Hamilelik: Complications covered from day 1; checkups after...
Best Value
Classic Plus
Başlangıç €36 /ay
- Muafiyet: 15% co-pay per benefit, max €250/year
- Ayakta tedavi: 100% medically necessary up to 2.3x GOÄ (15% co-pay, max...
- Diş: Pain relief only, up to €500/year (8-month wait for...
- Ruh sağlığı: Not covered (psychotherapy/psychoanalysis...
- Hamilelik: Complications covered from day 1; checkups after...
Comfort
Başlangıç €74 /ay
- Muafiyet: 10% co-pay per benefit, max €250/year
- Ayakta tedavi: 100% medically necessary + preventive up to 3.5x GOÄ (10%...
- Diş: Pain relief €500/year + prosthetics 60% up to...
- Ruh sağlığı: Not covered (psychotherapy/psychoanalysis...
- Hamilelik: Covered with no waiting period (checkups +...
Kapsam karşılaştırma
Plan Kapsamını Karşılaştır
Her planın neleri kapsadığını ayrıntılı görün.
| Özellik | Classic | Best Value Classic Plus | Comfort |
|---|---|---|---|
| Temel Kapsam | |||
| Ayakta Tedavi | 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) |
| Yatarak Tedavi | General ward, shared room | General ward, shared room | General ward, shared room |
| İlaç | Prescribed medication covered (20% co-pay) | Prescribed medication covered (15% co-pay) | Prescribed medication covered (10% co-pay) |
| Muafiyet / Katılım Payı | 20% co-pay per benefit, max €250/year | 15% co-pay per benefit, max €250/year | 10% co-pay per benefit, max €250/year |
| Diş & Görme | |||
| Diş Bakımı | 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) |
| Diş Bütçesi | €500/year (pain relief only, no prosthetics) | €500/year (pain relief only, no prosthetics) | €1,000/year (incl. prosthetics at 60%) |
| Görme | €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 |
| Ek Avantajlar | |||
| Ruh Sağlığı | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) |
| Hamilelik & Doğum | 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 |
| Teletıp | | | |
| Geri Dönüş | | | |
| Vize Uyumlu | | | |
| Başvur Classic → | Başvur Classic Plus → | Başvur Comfort → | |
Classic
Classic Plus Best Value
Comfort
Temel Kapsam
Ayakta Tedavi
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)
Yatarak Tedavi
General ward, shared room
General ward, shared room
General ward, shared room
İlaç
Prescribed medication covered (20% co-pay)
Prescribed medication covered (15% co-pay)
Prescribed medication covered (10% co-pay)
Muafiyet / Katılım Payı
20% co-pay per benefit, max €250/year
15% co-pay per benefit, max €250/year
10% co-pay per benefit, max €250/year
Diş & Görme
Diş Bakımı
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)
Diş Bütçesi
€500/year (pain relief only, no prosthetics)
€500/year (pain relief only, no prosthetics)
€1,000/year (incl. prosthetics at 60%)
Görme
€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
Ek Avantajlar
Ruh Sağlığı
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Hamilelik & Doğum
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
Teletıp
Geri Dönüş
Vize Uyumlu
Neler Kapsanıyor
Avantajlar ve kapsam detayları.
Dahil
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
Kapsam Dışı
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)
Fiyatlar
Yaşa Göre Fiyatlar
Yaş grubuna göre aylık net prim. Gizli ücret yok.
Yaş Grubu 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
Sigorta yükümlülüğünü karşılar
SSS
MAWISTA Student hakkında sık sorulan sorular
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.
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