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MAWISTA 学生险
德国国际学生经济型私人健康保险 — 3档保险计划，最低€28/月
起 €28/mo–74/mo
~¥213/月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。
经典款
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...
最佳性价比
经典升级版
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...
舒适版
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 | 经典款 | 最佳性价比经典升级版 | 舒适版 |
|---|---|---|---|
| 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 | |||
| 申请经典款 → | 申请经典升级版 → | 申请舒适版 → | |
经典款
经典升级版最佳性价比
舒适版
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
最便宜的入门价格€28/月（Classic 18-29岁）
符合所有德国签证类型的要求
支持追溯性投保（入境后31天内）
Comfort保险从第1天起涵盖妊娠，无等待期
医疗遣返保障金额不限
覆盖德国 + 所有欧盟/申根国家 + 英国
在线申请，立即获得保险证明
不涵盖
所有计划都有自付额（每项福利20%/15%/10%，年度最高€250）
任何计划上都不提供心理健康/心理治疗保障（包括Comfort）
Classic和Classic Plus的妊娠检查需等待3个月，分娩需等待8个月
Classic和Classic Plus不提供牙科修复体
Classic和Classic Plus不提供视力保障
30岁以上学生费用明显更高（€44–€104/月）
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段经典款经典升级版最佳性价比舒适版
0–4€55~¥418/月€75~¥570/月€135~¥1,026/月
5–17€39~¥296/月€49~¥372/月€89~¥676/月
18–29€28~¥213/月€36~¥274/月€74~¥562/月
30–40€44~¥334/月€56~¥426/月€104~¥790/月
满足保险义务
常见问题
关于 MAWISTA 学生险 的常见问题
是的，所有MAWISTA Student计划（Classic、Classic Plus、Comfort）都符合签证要求，并被德国大使馆和移民局接受用于学生签证申请。
是的，如果您在入境德国后31天内申请，MAWISTA允许追溯性投保。如果您已经抵达但还没有安排保险，这很有用。
与大多数竞争对手的零免赔不同，MAWISTA Student有百分比自付额：Classic 20%，Classic Plus 15%，Comfort 10%，每项福利。所有计划的最大自付额均为每日历年€250。
不提供。心理治疗、精神分析和催眠在ALL MAWISTA Student计划中被明确排除，包括Comfort计划。如果心理健康保障对您很重要，请考虑Provisit Student（心理治疗75%）或HanseMerkur Young Travel Profi（最高€1,000/年）。
Comfort计划从第1天起就提供妊娠检查和分娩保障，无等待期。Classic和Classic Plus立即覆盖急性妊娠并发症，但常规检查需3个月等待期，分娩需8个月等待期。
既往症通常被排除在保障范围外。所有计划从第1天起都保障急性妊娠并发症。需要持续治疗的慢性疾病（如糖尿病、哮喘）通常在整个保单期内被排除。如果您有已知的既往症，请考虑公共医疗保险（GKV），它从第一天就保障所有情况。
准备好投保了吗？
立即申请 MAWISTA 学生险，几分钟内获得保障。