保险对比 2026
MAWISTA Studentvs.Care College
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：MAWISTA Student Classic Plus, Care College Comfort。每家供应商提供多个等级。
| 功能 | Popular Choice MAWISTA Student 查看详情 | Care College 查看详情 |
|---|---|---|
| | | |
| €36/mo | €32/mo 更优 | |
| 15% co-pay per benefit, max €250/year | €0 | |
| 1–60 months | 1–60 months | |
| | | |
| 100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr) | Medically necessary + preventive care (up to 2.3x GOÄ fee schedule) | |
| General ward, shared room | General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs | |
| Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief up to €750/year; prosthetics 50% up to €500 (8-month wait, 2-year period); accident prosthetics up to €1,000 | |
| €500/year (pain relief only, no prosthetics) | €750/year pain relief + €500 prosthetics (50%, 2-year period) | |
| Prescribed medication covered (15% co-pay) | 100% prescribed medication (up to €500/year) | |
| | | |
| Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) | |
| Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Checkups covered (no deductible); delivery after 8-month wait | |
| €250/year for accident-related aids only | Not covered | |
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| 更优 | | |
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| 访问 MAWISTA Student → | 访问 Care College → |
€36/mo
€32/mo 更优
15% co-pay per benefit, max €250/year
€0
1–60 months
1–60 months
100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr)
Medically necessary + preventive care (up to 2.3x GOÄ fee schedule)
General ward, shared room
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief up to €750/year; prosthetics 50% up to €500 (8-month wait, 2-year period); accident prosthetics up to €1,000
€500/year (pain relief only, no prosthetics)
€750/year pain relief + €500 prosthetics (50%, 2-year period)
Prescribed medication covered (15% co-pay)
100% prescribed medication (up to €500/year)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Checkups covered (no deductible); delivery after 8-month wait
€250/year for accident-related aids only
Not covered
更优
常见问题
常见问题
Yes, all MAWISTA Student plans (Classic, Classic Plus, Comfort) are visa-compliant and accepted by German embassies and immigration offices for student visa applications.
Yes, MAWISTA allows retroactive enrollment if you apply within 31 days of your entry to Germany. This is useful if you arrived and haven't arranged insurance yet.
Unlike most competitors with zero deductible, MAWISTA Student has a percentage co-payment: Classic 20%, Classic Plus 15%, and Comfort 10% per insured benefit. The maximum co-payment is capped at €250 per calendar year across all plans.
No. Psychotherapy, psychoanalysis, and hypnosis are explicitly excluded from ALL MAWISTA Student plans, including the Comfort plan. If mental health coverage is important, consider Provisit Student (psychotherapy at 75%) or HanseMerkur Young Travel Profi (up to €1,000/year).
The Comfort plan covers pregnancy checkups and childbirth from day 1 with no waiting period. Classic and Classic Plus cover acute pregnancy complications immediately, but regular checkups require a 3-month waiting period and childbirth requires an 8-month waiting period.
Pre-existing conditions are generally excluded from coverage. Acute pregnancy complications are covered from day 1 on all plans. Chronic conditions requiring ongoing treatment (e.g., diabetes, asthma) are typically excluded for the entire policy term. If you have known pre-existing conditions, consider public health insurance (GKV), which covers all conditions from day one.
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.
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