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Private health insurance

for those studying abroad or on practical training courses, guest scientists, degree students and language students in Germany

North Germany:
MAWISTA nord GmbH
Kirchstraße 9
42103 Wuppertal
Telephone: ++49 (0)202 47866920
Telefax: ++49 (0)202 47866929
E-mail: info.nord@mawista.com

South Germany:
MAWISTA süd GmbH
Robert-Bosch-Straße 7-9
73207 Plochingen
Telephone: ++49 (0)7153 558990
Telefax: ++49 (0)7153 5589920
E-mail: info.sued@mawista.com

The insurer:

Würzburger Versicherungs-AG
Bahnhofstraße 11
97070 Würzburg
Germany

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Who can be insured?

Ideal for foreign:

language students (e.g. during preparation for language examinations)

Studying

guest scientists

trainees

as well as accompanying family members

What should I know?

Maximum admission age: 40 years (up to 55 years of age upon request)

Maximum insurance period: 48 months

Minimum insurance period: 1 month

Cover can be extended prior to expiry of the policy by phone, post, fax or e-mail

Method of payment: monthly

Cancellation: anytime, effective to the last day of the month

How much are the premiums?

Insurance period	Student-Classic^® tariff rate without accident and third party liability cover	Student-Classic^® tariff rate with accident and third party liability cover	Student-Comfort^® tariff rate
1st to 12th month	EUR 33,10 per month	EUR 37,20 per month	EUR 58,90 per month
13th to 48th month	EUR 56,70 per month	EUR 60,80 per month	EUR 63,70 per month

What benefits are insured*?

Out-patient and dental treatment	Student-Classic^® tariff rate without accident and third party liability cover	Student-Classic^® tariff rate with accident and third party liability cover	Student-Comfort^® tariff scale
Medical treatment	100%	100%	100%
Medicine and dressing material, medication	100%	100%	100%
Accident-related aids (excluding vision aids)	100%, max. EUR 250	100%, max. EUR 250	100% in simple form
Accident-related vision aids (e.g. spectacles)	no	no	up to EUR 100, after a qualifying period of 3 months
Analgesic dental treatment and fillings in simple form (no inlays or dentures)	100% up to EUR 500	100% up to EUR 500	100% up to EUR 1000
Dentures	no	no	60%, max. EUR 1,000 after a qualifying period of 8 months

In-patient treatment
Hospital treatment (including operations) in a general ward, including general medical treatment (not as a private patient)	100%	100%	100%
Costs of travel to the nearest available hospital	100%	100%	100%

Other benefits
Burial or transfer costs	up to EUR 7,500	up to EUR 7,500	up to EUR 10,000
Return travel to native country	up to EUR 15,000	up to EUR 15,000	up to EUR 15,000
Pregnancy, delivery and after-effects (qualifying period: 8 months)	100%	100%	100%

Accident insurance / personal liability insurance
Accident insurance: Invalidity: EUR 40,000 Total invalidity: EUR 140,000 Accidental death: EUR 10,000 Recovery costs: EUR 5,000 Spa costs: EUR 1,500 Personal liability insurance: EUR 2.5 million flat rate for personal injury and damage to property	no	yes, included	yes, included

What benefits are NOT insured*?

Benefits not insured include e.g.

Illnesses and results of accidents, for treatment of which travel is being undertaken, as well as costs for treatment which was known and should have been undertaken before the planned start of travel, and illnesses and results of accidents which occurred prior to the policy taking effect.

Treatment for psychiatric and mental disorders

All types of preventive examinations, or routine checks or inoculations

Costs for certificates and attestations, examinations for obtaining residence permits

Abortion, existing pregnancy prior to the policy taking effect, otherwise always a qualifying period of 8 months.

Treatment by intent, withdrawal and weaning treatment

Dentures, inlays and crowns (Student Classic® tariff only)


	How can I take out the insurance?
	Online: You can take out your insurance over the Internet using our online form. Simply enter your personal details. As result the system shows you your personal details and you insurance policy number. The contract than was successful completed. Post or fax: Simply download the German-English application form as a PDF file, complete it, and then send it by post or fax it to the address on the form. Application as PDF file You will receive your insurance policy after a few days (it can also be sent by fax or e-mail upon request). The charges will be debited from your account.


	How do I present prescriptions and doctors’ bills?
	If you receive out-patient treatment, the doctor will prepare a bill which you will normally have to pay immediately. For prescribed medication subject to reimbursement, the dispensing chemist will give you the stamped prescription showing the prices of the medication. Please send such bills/receipts (only originals, no copies) with a copy of your certificate of insurance and details of your bank account in Germany to:

Würzburger Versicherungs-AG
Bahnhofstraße 11
97070 Würzburg
Germany

If you have to find a hospital for in-patient treatment due to an accident or acute illness, please call immediately:

Telephone: ++49 (0)931 2795-250
Telefax: ++49 (0)931 2795-293


	Legal information for consumers
	*The General Terms and Conditions of Insurance of Würzburger Versicherungs-AG are legally binding. Our General Terms and Conditions can be downloaded and viewed as PDF files. This information is only available in German. We apologise for any inconvenience.

Allgemeinen und Besondere Bedingungen zum Produkt Student (65 KB)

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Private health insurance

for those studying abroad or on practical training courses, guest scientists, degree students and language students in Germany

Who can be insured?

What should I know?

How much are the premiums?

What benefits are insured*?

What benefits are NOT insured*?

How can I take out the insurance?

How do I present prescriptions and doctors’ bills?

Legal information for consumers

Products

Products