Private Health Insurance

Private Insurance (PKV) for Students in Germany

Compare all available PKV plans side-by-side. Find the right coverage for your budget — from basic visa compliance to comprehensive premium plans.

Care College

Care Concept

Budget-friendly private health insurance by Care Concept — 3 tiers from €26/month with up to 5 years coverage

Başlangıç €26/mo
  • 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
Detayları Gör →

Educare24

DR-WALTER

Flexible private health insurance by DR-WALTER with 4 plan tiers — includes accident & liability insurance from the M plan

Başlangıç €34.50/mo
  • 4 plan tiers with clear upgrade path (S → M → L → XL)
  • M plan includes accident (€105k disability) + liability (€1M) + deportation insurance for just €4.50 more than S
  • All plans cover pregnancy and childbirth with no waiting period
  • No deductible on any plan
Detayları Gör →

HanseMerkur Young Travel

HanseMerkur

Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany

Başlangıç €36/mo
  • Affordable daily pricing from €1.19/day (Basic) or €1.75/day (Profi)
  • Profi plan includes accident (€60k disability) + liability (€2.5M) + emergency insurance
  • Profi plan covers psychotherapy up to €1,000/year
  • Profi plan covers pregnancy exams and delivery
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Popular Choice

MAWISTA Student

MAWISTA

Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month

Başlangıç €28/mo
  • 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
Detayları Gör →

Provisit Student

DR-WALTER

Comprehensive private health insurance by DR-WALTER/Barmenia — equivalent to statutory insurance with no age limit

Başlangıç €79/mo
  • 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
Detayları Gör →

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MAWISTA Student vs Care CollegePopüler
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Care College vs Educare24
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SSS

Sık Sorulan Sorular

International students on language courses, exchange programs, or preparatory courses (Studienkolleg) typically need PKV since they are not eligible for public insurance (GKV). Students over 30 or those exceeding the 14-semester limit also switch to PKV.
Private student health insurance in Germany starts from around €37/month for basic coverage. Premiums depend on your age, chosen plan level, and coverage scope. Most students pay between €37–78/month.
Yes, all PKV plans listed here are visa-compliant and accepted by German embassies and consulates for student visa applications. You receive an insurance certificate upon enrollment.
Switching from private to public insurance is possible if you start a degree program at a German university and are under 30. You must switch within 3 months of enrollment. Language course students on PKV can switch to GKV when they start their degree.
PKV covers outpatient treatment, hospital stays, prescribed medication, and emergency dental care. Higher-tier plans add mental health coverage, vision, pregnancy, and private hospital rooms.

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