MAWISTA
MAWISTA Student
Affordable private health insurance for international students in Germany — 3 plan tiers from €28/month
起 €28/mo–74/mo
1–60 months 保障期限
Germany + EU/Schengen + UK 保障范围
✓ 符合签证要求
up to 40 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。
Classic
起 €28 /月
- 免赔额: 20% co-pay per benefit, max €250/year
- 门诊: 100% medically necessary up to 1.8x GOÄ (20% co-pay, max...
- 牙科: Pain relief only, up to €500/year (8-month wait for...
- 心理健康: Not covered (psychotherapy/psychoanalysis...
- 孕产: Complications covered from day 1; checkups after...
Best Value
Classic Plus
起 €36 /月
- 免赔额: 15% co-pay per benefit, max €250/year
- 门诊: 100% medically necessary up to 2.3x GOÄ (15% co-pay, max...
- 牙科: Pain relief only, up to €500/year (8-month wait for...
- 心理健康: Not covered (psychotherapy/psychoanalysis...
- 孕产: Complications covered from day 1; checkups after...
Comfort
起 €74 /月
- 免赔额: 10% co-pay per benefit, max €250/year
- 门诊: 100% medically necessary + preventive up to 3.5x GOÄ (10%...
- 牙科: Pain relief €500/year + prosthetics 60% up to...
- 心理健康: Not covered (psychotherapy/psychoanalysis...
- 孕产: Covered with no waiting period (checkups +...
保障对比
比较计划保障
逐项查看各计划的保障内容。
| 功能 | Classic | Best Value Classic Plus | Comfort |
|---|---|---|---|
| 基本保障 | |||
| 门诊治疗 | 100% medically necessary up to 1.8x GOÄ (20% co-pay, max €250/yr) | 100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr) | 100% medically necessary + preventive up to 3.5x GOÄ (10% co-pay, max €250/yr) |
| 住院治疗 | General ward, shared room | General ward, shared room | General ward, shared room |
| 药品 | Prescribed medication covered (20% co-pay) | Prescribed medication covered (15% co-pay) | Prescribed medication covered (10% co-pay) |
| 免赔额/自付 | 20% co-pay per benefit, max €250/year | 15% co-pay per benefit, max €250/year | 10% co-pay per benefit, max €250/year |
| 牙科与视力 | |||
| 牙科护理 | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief only, up to €500/year (8-month wait for prosthetics) | Pain relief €500/year + prosthetics 60% up to €1,000/year (8-month wait) |
| 牙科预算 | €500/year (pain relief only, no prosthetics) | €500/year (pain relief only, no prosthetics) | €1,000/year (incl. prosthetics at 60%) |
| 视力 | €250/year for accident-related aids only | €250/year for accident-related aids only | €100/year accident-related vision aids (3-month waiting period); €1,000/year accident-related medical aids |
| 附加保障 | |||
| 心理健康 | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) | Not covered (psychotherapy/psychoanalysis excluded) |
| 孕产保障 | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait | Covered with no waiting period (checkups + childbirth); must not be pregnant at enrollment |
| 远程医疗 | | | |
| 遣返 | | | |
| 符合签证要求 | | | |
| 申请 Classic → | 申请 Classic Plus → | 申请 Comfort → | |
Classic
Classic Plus Best Value
Comfort
基本保障
门诊治疗
100% medically necessary up to 1.8x GOÄ (20% co-pay, max €250/yr)
100% medically necessary up to 2.3x GOÄ (15% co-pay, max €250/yr)
100% medically necessary + preventive up to 3.5x GOÄ (10% co-pay, max €250/yr)
住院治疗
General ward, shared room
General ward, shared room
General ward, shared room
药品
Prescribed medication covered (20% co-pay)
Prescribed medication covered (15% co-pay)
Prescribed medication covered (10% co-pay)
免赔额/自付
20% co-pay per benefit, max €250/year
15% co-pay per benefit, max €250/year
10% co-pay per benefit, max €250/year
牙科与视力
牙科护理
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief only, up to €500/year (8-month wait for prosthetics)
Pain relief €500/year + prosthetics 60% up to €1,000/year (8-month wait)
牙科预算
€500/year (pain relief only, no prosthetics)
€500/year (pain relief only, no prosthetics)
€1,000/year (incl. prosthetics at 60%)
视力
€250/year for accident-related aids only
€250/year for accident-related aids only
€100/year accident-related vision aids (3-month waiting period); €1,000/year accident-related medical aids
附加保障
心理健康
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
Not covered (psychotherapy/psychoanalysis excluded)
孕产保障
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Complications covered from day 1; checkups after 3-month wait, childbirth after 8-month wait
Covered with no waiting period (checkups + childbirth); must not be pregnant at enrollment
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
Cheapest entry at €28/month (Classic, age 18–29)
Visa-compliant for all German visa types
Retroactive enrollment possible (within 31 days of entry)
Comfort plan covers pregnancy from day 1 with no waiting period
Medical repatriation covered at unlimited amount
Coverage valid in Germany + all EU/Schengen states + UK
Online application with instant insurance certificate
不涵盖
All plans have co-payment (20%/15%/10% per benefit, max €250/year)
NO mental health/psychotherapy coverage on ANY plan (including Comfort)
Classic and Classic Plus require 3-month wait for pregnancy checkups, 8-month wait for childbirth
No dental prosthetics on Classic and Classic Plus
No vision coverage on Classic and Classic Plus
Significantly more expensive for students over 30 (€44–€104/month)
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段 Classic Classic Plus Best Value Comfort
0–4 €55€75€135
5–17 €39€49€89
18–29 €28€36€74
30–40 €44€56€104
满足保险义务
常见问题
关于 MAWISTA Student 的常见问题
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.
准备好投保了吗？
立即申请 MAWISTA Student，几分钟内获得保障。