Educare24 私人医疗保险

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.

The health insurance coverage is nearly identical across all plans. S is health-only. M adds accident, liability, and deportation insurance. L adds expanded dental (prosthetics up to €2,000 for accidents). XL adds benefits within statutory programs up to €500/year. The core medical benefits (outpatient, hospital, pregnancy, mental health) are the same.

Educare24 covers psychiatric treatment (mental illness treatment, including inpatient), but explicitly excludes psychotherapy and psychoanalysis. If you need talk therapy, consider MAWISTA Student Comfort or Provisit Student instead.

Educare24 caps medication and medical supply coverage at €250 total for the entire policy period (not per year). This is a significant limitation for students who need regular medication. If you require ongoing medication, this product may not be suitable — consider Provisit Student or a statutory (GKV) option.

Yes, you can purchase Educare24 within the first month after entering Germany or starting your classes, studies, internship, or research. The policy must be purchased within this window.