保险对比 2026
Care Collegevs.Educare24
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件 ✓ 更新于 2026年3月 ✓ 独立对比
推荐计划对比：Care College Comfort, Educare24 M (Medium)。每家供应商提供多个等级。
| 功能 | Care College 查看详情 | Educare24 查看详情 |
|---|---|---|
| | | |
| €32/mo 更优 | €39/mo | |
| €0 | €0 | |
| 1–60 months | 1–60 months | |
| | | |
| Medically necessary + preventive care (up to 2.3x GOÄ fee schedule) | Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year | |
| General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs | Inpatient treatment and operations covered | |
| 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 €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000 | |
| €750/year pain relief + €500 prosthetics (50%, 2-year period) | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics | |
| 100% prescribed medication (up to €500/year) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) | |
| | | |
| Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded | |
| Checkups covered (no deductible); delivery after 8-month wait | Pregnancy checkups and childbirth covered (conception must occur after policy start) | |
| Not covered | Not covered | |
| | | |
| | | |
| | | |
| | 更优 | |
| | | |
| 访问 Care College → | 访问 Educare24 → |
€32/mo 更优
€39/mo
€0
€0
1–60 months
1–60 months
Medically necessary + preventive care (up to 2.3x GOÄ fee schedule)
Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
Inpatient treatment and operations covered
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 €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000
€750/year pain relief + €500 prosthetics (50%, 2-year period)
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
100% prescribed medication (up to €500/year)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Checkups covered (no deductible); delivery after 8-month wait
Pregnancy checkups and childbirth covered (conception must occur after policy start)
Not covered
Not covered
更优
常见问题
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%.
Yes, all Educare24 plans (S, M, L, XL) are visa-compliant and accepted by German embassies and immigration offices for student visa applications.
The M plan (€39/month) is recommended. For only €4.50 more than the S plan, you get accident insurance (€105,000 disability coverage), personal liability (€1,000,000), and deportation cost coverage. The health insurance benefits are essentially the same across all plans — the main differences are in the extras.
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