Care Concept立即申请
Care College 学生医疗保险
由 Care Concept 提供的经济型私人健康保险——3 个等级，从 €26/月起，保障期限最长 5 年
起 €26/mo–48/mo
~¥198/月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。
基础版
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...
最佳性价比
舒适版
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...
高级版
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 | 基础版 | 最佳性价比舒适版 | 高级版 |
|---|---|---|---|
| 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 | |||
| 申请基础版 → | 申请舒适版 → | 申请高级版 → | |
基础版
舒适版最佳性价比
高级版
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
最便宜的入门价格：€26/月（基础版，29 岁以下）
舒适版和高级版零免赔额
所有计划都涵盖怀孕（分娩有 8 个月等待期）
符合德国学生签证要求
舒适版/高级版：如果一年内没有索赔，可获得 2 个月保费退款
年龄上限至 40 岁——高于许多竞争对手
老牌供应商（Care Concept 成立于 1999 年）
不涵盖
任何计划都不提供心理健康/心理治疗保障
不可能进行追溯性登记
基础版有 €120/年免赔额
基础版和舒适版没有视力保障
第 25 个月开始价格大幅上升
基础版牙科仅限疼痛缓解（不包括假牙）
不涵盖美国、加拿大、墨西哥的保障
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段基础版舒适版最佳性价比高级版
up to 29 (months 1–24)€26~¥198/月€32~¥243/月€48~¥365/月
30–40 (months 1–24)€32~¥243/月€48~¥365/月€75~¥570/月
up to 29 (from month 25)€49.50~¥376/月€57~¥433/月€73~¥555/月
30–40 (from month 25)€55~¥418/月€73~¥555/月€99~¥752/月
满足保险义务
常见问题
关于 Care College 学生医疗保险 的常见问题
是的，所有 Care College 计划（基础版、舒适版、高级版）都被德国大使馆和移民办公室接受用于学生签证申请。该保障符合最低签证要求。
Care College 基础版从 €26/月起（29 岁以下学生，前 24 个月），是德国国际学生最经济的私人健康保险选项之一。请注意它有 €120/年的免赔额。
不。心理治疗和心理分析在所有 Care College 计划（基础版、舒适版和高级版）中被明确排除。如果心理健康保障对您很重要，请考虑 MAWISTA 学生舒适版或 Provisit 学生。
是的，所有三个计划都涵盖怀孕检查和分娩。但是，分娩需要 8 个月的等待期（您必须在分娩前投保 8 个月）。基础版每次怀孕检查有 €50 的免赔额。舒适版和高级版涵盖检查而无需免赔额。
Care College 使用两层定价模式：第 1-24 个月的较低费率和第 25 个月起的较高费率。例如，基础版 29 岁以下从 €26 升至 €49.50/月。这使其对较短的停留很有竞争力，但对完整学位课程（3-5 年）不太有吸引力。
是的，舒适版和高级版计划在您在保单年度内不提交任何索赔时，将退款 2 个月的保费。这有效地将您的年度成本降低约 17%。
准备好投保了吗？
立即申请 Care College 学生医疗保险，几分钟内获得保障。