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Educare24 私人医疗保险
由DR-WALTER提供的灵活私人医疗保险，4个计划等级——M计划及以上包括意外伤害和责任保险
起 €34.50/mo–63/mo
~¥262/月1–60 months保障期限
Germany + EU/Schengen保障范围
✓符合签证要求
up to 69年龄限制
最后更新: March 20, 2026
选择您的计划
可用计划
比较保障等级，选择适合您的计划。
S（小型）
起€34.50/月
- 免赔额: €0
- 门诊: Medically necessary treatment (up to 2.3x GOÄ/GOZ)
- 牙科: Pain relief up to €500 per insurance period; no...
- 心理健康: Acute psychiatric treatment up to €500 (one case...
- 孕产: Pregnancy checkups and childbirth covered (conception...
推荐
M（中型）
起€39/月
- 免赔额: €0
- 门诊: Medically necessary treatment (up to 2.3x GOÄ/GOZ);...
- 牙科: Pain relief up to €500 per insurance period; denture...
- 心理健康: Acute psychiatric treatment up to €500 (one case...
- 孕产: Pregnancy checkups and childbirth covered (conception...
L（大型）
起€43.50/月
- 免赔额: €0
- 门诊: Medically necessary treatment (up to 2.3x GOÄ/GOZ);...
- 牙科: Pain relief up to €500 per insurance period + denture...
- 心理健康: Acute psychiatric treatment up to €500 (one case...
- 孕产: Pregnancy checkups and childbirth covered (conception...
XL（超大型）
起€63/月
- 免赔额: €0
- 门诊: Medically necessary treatment (up to 2.3x GOÄ/GOZ) +...
- 牙科: Pain relief up to €500 per insurance period + denture...
- 心理健康: Acute psychiatric treatment up to €500 (one case...
- 孕产: Pregnancy checkups and childbirth covered (conception...
保障对比
比较计划保障
逐项查看各计划的保障内容。
| 功能 | S（小型） | 推荐M（中型） | L（大型） | XL（超大型） |
|---|---|---|---|---|
| 基本保障 | ||||
| 门诊治疗 | Medically necessary treatment (up to 2.3x GOÄ/GOZ) | Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year | Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year | Medically necessary treatment (up to 2.3x GOÄ/GOZ) + statutory program benefits up to €500/year |
| 住院治疗 | Inpatient treatment and operations covered | Inpatient treatment and operations covered | Inpatient treatment and operations covered | Inpatient treatment and operations covered |
| 药品 | Prescribed medication + dressing materials (up to €250 total during entire insurance period) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) | Prescribed medication + dressing materials (up to €250 total during entire insurance period) |
| 免赔额/自付 | €0 | €0 | €0 | €0 |
| 牙科与视力 | ||||
| 牙科护理 | Pain relief up to €500 per insurance period; no prosthetics | Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000 | Pain relief up to €500 per insurance period + denture repair €200 + accident prosthetics €2,000 | Pain relief up to €500 per insurance period + denture repair €200 + accident prosthetics €2,000 |
| 牙科预算 | €500 per insurance period (pain relief only) | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics | €500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics |
| 视力 | Not covered | Not covered | Not covered | Not covered |
| 附加保障 | ||||
| 心理健康 | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded | Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded |
| 孕产保障 | Pregnancy checkups and childbirth covered (conception must occur after policy start) | Pregnancy checkups and childbirth covered (conception must occur after policy start) | Pregnancy checkups and childbirth covered (conception must occur after policy start) | Pregnancy checkups and childbirth covered (conception must occur after policy start) |
| 远程医疗 | ||||
| 遣返 | ||||
| 符合签证要求 | ||||
| 申请S（小型） → | 申请M（中型） → | 申请L（大型） → | 申请XL（超大型） → | |
S（小型）
M（中型）推荐
L（大型）
XL（超大型）
基本保障
门诊治疗
Medically necessary treatment (up to 2.3x GOÄ/GOZ)
Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year
Medically necessary treatment (up to 2.3x GOÄ/GOZ); preventive care up to €500/year
Medically necessary treatment (up to 2.3x GOÄ/GOZ) + statutory program benefits up to €500/year
住院治疗
Inpatient treatment and operations covered
Inpatient treatment and operations covered
Inpatient treatment and operations covered
Inpatient treatment and operations covered
药品
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
Prescribed medication + dressing materials (up to €250 total during entire insurance period)
免赔额/自付
€0
€0
€0
€0
牙科与视力
牙科护理
Pain relief up to €500 per insurance period; no prosthetics
Pain relief up to €500 per insurance period; denture repair up to €200; accident prosthetics up to €2,000
Pain relief up to €500 per insurance period + denture repair €200 + accident prosthetics €2,000
Pain relief up to €500 per insurance period + denture repair €200 + accident prosthetics €2,000
牙科预算
€500 per insurance period (pain relief only)
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
€500 per insurance period (pain relief) + €200 denture repair + €2,000 accident prosthetics
视力
Not covered
Not covered
Not covered
Not covered
附加保障
心理健康
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
Acute psychiatric treatment up to €500 (one case per insurance period); psychotherapy/psychoanalysis excluded
孕产保障
Pregnancy checkups and childbirth covered (conception must occur after policy start)
Pregnancy checkups and childbirth covered (conception must occur after policy start)
Pregnancy checkups and childbirth covered (conception must occur after policy start)
Pregnancy checkups and childbirth covered (conception must occur after policy start)
远程医疗
遣返
符合签证要求
保障内容
保障与福利详情。
已涵盖
4个计划等级，具有明确的升级路径（S → M → L → XL）
M计划包括意外伤害保险（€105,000残疾）、责任保险（€1,000,000）和驱逐保险，仅比S计划贵€4.50
所有计划都包括怀孕和分娩保障，无等待期
所有计划都无免赔额
市场上最高年龄限制——最高69岁
抵达德国后一个月内可注册
信誉好的德国提供商（DR-WALTER自1959年起）
预防疫苗和牙科预防保健已包含（最高€500/年）
不涵盖
药物覆盖极其有限（整个保险期间仅€250）
S计划仅为医疗保险——不包括意外伤害或责任保险
任何计划均不覆盖心理治疗/心理分析
任何计划均不覆盖视觉/眼镜
从第19个月起价格大幅上升
仅L和XL计划提供牙科假体
计划之间的健康保险差异极小——主要差异为意外/责任附加保险
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段S（小型）M（中型）推荐L（大型）XL（超大型）
up to 39 (months 1–18)€34.50~¥262/月€39~¥296/月€43.50~¥331/月€63~¥479/月
up to 39 (from month 19)€52.50~¥399/月€57~¥433/月€61.50~¥467/月€90~¥684/月
40–69 (months 1–18)€58.50~¥445/月€63~¥479/月€70.50~¥536/月€87~¥661/月
40–69 (from month 19)€115.50~¥878/月€117~¥889/月€121.50~¥923/月€132~¥1,003/月
满足保险义务
常见问题
关于 Educare24 私人医疗保险 的常见问题
是的，所有Educare24计划（S、M、L、XL）都符合签证要求，并被德国大使馆和移民机构认可用于学生签证申请。
推荐M计划（€39/月）。只需比S计划多支付€4.50，您就可以获得意外伤害保险（€105,000残疾保障）、个人责任保险（€1,000,000）和驱逐费用保险。所有计划的健康保险福利基本相同——主要差异在附加服务上。
所有计划的健康保险保障几乎相同。S仅为医疗保险。M增加意外伤害、责任和驱逐保险。L增加扩展牙科（意外事故牙科假体最高€2,000）。XL增加法定项目范围内的福利（最高€500/年）。核心医疗福利（门诊、住院、妊娠、心理健康）相同。
Educare24覆盖精神病学治疗（精神疾病治疗，包括住院），但明确排除心理治疗和心理分析。如果您需要谈话治疗，请考虑MAWISTA Student Comfort或Provisit Student。
Educare24将药物和医疗用品覆盖限制在整个保单期间总计€250（非按年）。对于需要定期服药的学生，这是一个重大限制。如果您需要持续用药，此产品可能不适合——考虑Provisit Student或法定（GKV）选项。
是的，您可以在进入德国或开始学习、实习或研究后的第一个月内购买Educare24。政策必须在此期间内购买。
准备好投保了吗？
立即申请 Educare24 私人医疗保险，几分钟内获得保障。