Care Concept
Care College
Budget-friendly private health insurance by Care Concept — 3 tiers from €26/month with up to 5 years coverage
起 €26/mo–48/mo
1–60 months 保障期限
Germany + EU/EEA (excl. USA, Canada, Mexico) 保障范围
✓ 符合签证要求
up to 40 年龄限制
最后更新: March 20, 2026
选择您的计划
可用计划
比较保障等级，选择适合您的计划。
Basic
起 €26 /月
- 免赔额: €120/year
- 门诊: Medically necessary treatment (up to 1.8x GOÄ fee schedule)
- 牙科: Pain relief up to €500/year; no prosthetics; no...
- 心理健康: Not covered (psychotherapy/psychoanalysis...
- 孕产: Checkups with €50 deductible per visit; delivery after...
Best Value
Comfort
起 €32 /月
- 免赔额: €0
- 门诊: Medically necessary + preventive care (up to 2.3x GOÄ fee...
- 牙科: Pain relief up to €750/year; prosthetics 50% up to...
- 心理健康: Not covered (psychotherapy/psychoanalysis...
- 孕产: Checkups covered (no deductible); delivery after...
Premium
起 €48 /月
- 免赔额: €0
- 门诊: Comprehensive — medically necessary + preventive +...
- 牙科: Pain relief up to €1,250/year; prosthetics 70% up to...
- 心理健康: Not covered (psychotherapy/psychoanalysis...
- 孕产: Checkups covered (no deductible); delivery after...
保障对比
比较计划保障
逐项查看各计划的保障内容。
| 功能 | Basic | Best Value Comfort | Premium |
|---|---|---|---|
| 基本保障 | |||
| 门诊治疗 | 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) |
| 住院治疗 | 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 |
| 药品 | 100% prescribed medication (up to €250/year) | 100% prescribed medication (up to €500/year) | 100% prescribed medication (up to €1,500/year) |
| 免赔额/自付 | €120/year | €0 | €0 |
| 牙科与视力 | |||
| 牙科护理 | 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 |
| 牙科预算 | €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) |
| 视力 | Not covered | Not covered | €100 (3-month waiting period) |
| 附加保障 | |||
| 心理健康 | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| 孕产保障 | 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 |
| 远程医疗 | | | |
| 遣返 | | | |
| 符合签证要求 | | | |
| 申请 Basic → | 申请 Comfort → | 申请 Premium → | |
Basic
Comfort Best Value
Premium
基本保障
门诊治疗
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)
住院治疗
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
药品
100% prescribed medication (up to €250/year)
100% prescribed medication (up to €500/year)
100% prescribed medication (up to €1,500/year)
免赔额/自付
€120/year
€0
€0
牙科与视力
牙科护理
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
牙科预算
€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)
视力
Not covered
Not covered
€100 (3-month waiting period)
附加保障
心理健康
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
孕产保障
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
远程医疗
遣返
符合签证要求
保障内容
保障与福利详情。
已涵盖
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)
不涵盖
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
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段 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
满足保险义务
常见问题
关于 Care College 的常见问题
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%.
准备好投保了吗？
立即申请 Care College，几分钟内获得保障。