保险对比 2026
Care College 学生医疗保险vs.Educare24 私人医疗保险
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 学生医疗保险 舒适版, Educare24 私人医疗保险 M（中型）。每家供应商提供多个等级。
| 功能 | Care College 学生医疗保险查看详情 | Educare24 私人医疗保险查看详情 |
|---|---|---|
| 费用与价格 | ||
| 月保费（起） | €32/mo更优 | €39/mo |
| 免赔额 | €0 | €0 |
| 合同期限 | 1–60 months | 1–60 months |
| 核心保障 | ||
| 门诊治疗 | 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 |
| 住院治疗 | General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs | Inpatient treatment and operations covered |
| 牙科治疗 | 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 |
| 牙科年度限额Maximum dental reimbursement per year | €750/year pain relief + €500 prosthetics (50%, 2-year period) | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics |
| 药品 | 100% prescribed medication (up to €500/year) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) |
| 附加保障 | ||
| 心理健康/心理治疗 | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded |
| 怀孕与生育 | Checkups covered (no deductible); delivery after 8-month wait | Pregnancy checkups and childbirth covered (conception must occur after policy start) |
| 视光（眼镜/隐形眼镜） | Not covered | Not covered |
| 远程医疗 | ||
| 医疗转运/送返回国 | ||
| 服务与附加权益 | ||
| 可追溯生效投保Can you sign up after your start date? | 更优 | |
| 符合签证要求 | ||
| 访问Care College 学生医疗保险 → | 访问Educare24 私人医疗保险 → | |
费用与价格
月保费（起）
€32/mo更优
€39/mo
免赔额
€0
€0
合同期限
1–60 months
1–60 months
核心保障
门诊治疗
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
住院治疗
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
Inpatient treatment and operations covered
牙科治疗
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
牙科年度限额
Maximum dental reimbursement per year
€750/year pain relief + €500 prosthetics (50%, 2-year period)
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
药品
100% prescribed medication (up to €500/year)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
附加保障
心理健康/心理治疗
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
怀孕与生育
Checkups covered (no deductible); delivery after 8-month wait
Pregnancy checkups and childbirth covered (conception must occur after policy start)
视光（眼镜/隐形眼镜）
Not covered
Not covered
远程医疗
医疗转运/送返回国
服务与附加权益
可追溯生效投保
Can you sign up after your start date?
更优
符合签证要求
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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比较更多计划或直接申请——几分钟内获得保障。