保险对比 2026
MAWISTA 学生险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：MAWISTA 学生险 经典升级版, Educare24 私人医疗保险 M（中型）。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 | Educare24 私人医疗保险查看详情 |
|---|---|---|
€36/mo更优 | €39/mo | |
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 treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year | |
General ward, shared room | Inpatient treatment and operations covered | |
Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000 | |
€500/year (pain relief only, no prosthetics) | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics | |
Prescribed medication covered (15% co-pay) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) | |
Not covered (psychotherapy/psychoanalysis excluded) | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded | |
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Pregnancy checkups and childbirth covered (conception must occur after policy start) | |
€250/year for accident-related aids only | Not covered | |
| 访问MAWISTA 学生险 → | 访问Educare24 私人医疗保险 → |
€36/mo更优
€39/mo
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 treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year
General ward, shared room
Inpatient treatment and operations covered
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000
€500/year (pain relief only, no prosthetics)
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
Prescribed medication covered (15% co-pay)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Not covered (psychotherapy/psychoanalysis excluded)
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Pregnancy checkups and childbirth covered (conception must occur after policy start)
€250/year for accident-related aids only
Not covered
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 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.
找到最佳计划了吗？
比较更多计划或直接申请——几分钟内获得保障。