保险对比 2026
MAWISTA 学生险vs.Care College 学生医疗保险
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：MAWISTA 学生险 经典升级版, Care College 学生医疗保险 舒适版。每家供应商提供多个等级。
| 功能 | 热门选择MAWISTA 学生险查看详情 | Care College 学生医疗保险查看详情 |
|---|---|---|
| 费用与价格 | ||
| 月保费（起） | €36/mo | €32/mo更优 |
| 免赔额 | 15% co-pay per benefit, max €250/year | €0 |
| 合同期限 | 1–60 months | 1–60 months |
| 核心保障 | ||
| 门诊治疗 | 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) |
| 住院治疗 | General ward, shared room | General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs |
| 牙科治疗 | 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 |
| 牙科年度限额Maximum dental reimbursement per year | €500/year (pain relief only, no prosthetics) | €750/year pain relief + €500 prosthetics (50%, 2-year period) |
| 药品 | Prescribed medication covered (15% co-pay) | 100% prescribed medication (up to €500/year) |
| 附加保障 | ||
| 心理健康/心理治疗 | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered) |
| 怀孕与生育 | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Checkups covered (no deductible); delivery after 8-month wait |
| 视光（眼镜/隐形眼镜） | €250/year for accident-related aids only | 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MAWISTA 学生险 → | 访问Care College 学生医疗保险 → | |
费用与价格
月保费（起）
€36/mo
€32/mo更优
免赔额
15% co-pay per benefit, max €250/year
€0
合同期限
1–60 months
1–60 months
核心保障
门诊治疗
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)
住院治疗
General ward, shared room
General ward, shared room; €1,500 sick pay after 14+ day stay + 90 days work inability; €500 visitor costs
牙科治疗
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
牙科年度限额
Maximum dental reimbursement per year
€500/year (pain relief only, no prosthetics)
€750/year pain relief + €500 prosthetics (50%, 2-year period)
药品
Prescribed medication covered (15% co-pay)
100% prescribed medication (up to €500/year)
附加保障
心理健康/心理治疗
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded; inpatient psychiatric covered)
怀孕与生育
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Checkups covered (no deductible); delivery after 8-month wait
视光（眼镜/隐形眼镜）
€250/year for accident-related aids only
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 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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