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Find out the most important information about the German healthcare system and which insurance option suits you best
Who we are
MAWISTA is a market leader in Germany with individually developed health insurances for stays abroad for academics and expats.
Private health insurance
The German health care system
Germany provides a good level of universal healthcare and is one of the safest countries in the world. In the event of an emergency, help will arrive within a few minutes. To ensure that everyone in Germany can benefit from good basic medical care and protection against high medical bills, all persons living in Germany must take out health insurance.
The German healthcare system is split into two parts: The statutory health insurance and the private health insurance. As Studienkolleg participants you have to take out a private health insurance. Please find the most important information on private health insurance on the right side.
The doctor sends you the bill for the total costs of the treatment. You pay the bill from your account. Afterwards you submit the bill to the insurance company for reimbursement. The insurer’s claims department reviews the bill and transfers the reimbursable amount to your account.
The age limit for the MAWISTA Student tariff is 39 years.
Please note, that the costs of treatment for pre-existing conditions and preventive examinations will not be reimbursed.
Private travel health insurance for stays abroad in Germany.
MAWISTA Student is a private travel health insurance. It is characterized by an attractive price-performance ratio, a free choice of doctor and hospital, and the option of flexible contract termination at the end of each month. It covers the costs of medically necessary treatments in the event of an unexpected illness or accident.
Claims will be processed within about 14 days. In the event of an emergency operation, our emergency call center is available 24/7 for MAWISTA Student customers to organize immediate coverage.
You can purchase MAWISTA Student before or during your educational stay. The health insurance is valid for Germany as well as for temporary visits (like for vacation) in the states of the EU, Switzerland, Liechtenstein, Norway, the United Kingdom and Iceland.
Tariff at a glance
Comparison of tariffs
MAWISTA Student Classic
MAWISTA Student Classic Plus
MAWISTA Student Comfort
24/7 medical assistance/emergency call centre
Outpatient treatment by a physician
Inpatient hospital treatment
Transport costs to nearest suitable hospital
Medically prescribed medicines and dressings
Repatriation costs up to €25,000 in the event of death
We recommend an insurance card
Waiting period for pregnancy treatment (in months)
Waiting period for childbirth (in months)
Remedy treatments (e.g. massage) per insurance year
Accident-related medical aids (not including vision aids) per insurance year
Dental treatment to stop pain, repairs of dental prostheses and temporary solutions per insurance year
Accident insurance for disability
Liability insurance for recovery measures
Liability insurance for damage to rental property
Liability insurance for personal injury and property damage
Loss of house key (excess €100)
Dental prosthesis up to 60% of the costs per insurance year
(8 month waiting period)
Vaccinations as recommended by STIKO (Standing Vaccination Committee)
Accident-related vision aids per insurance year
(3 month waiting period)
Insurance cover in the home country
Up to 6 weeks
Maximum reimbursement based on GOÄ/GOZ
(for international visitors to Germany)
Excess (max. €250 per calendar year)
Premiums for 1 to 60 months
0 to 4 years
5 to 17 years
18 to 29 years
30 to 40 years
IMPORTANT TO KNOW
What to do if you get ill or injured
In Germany, you should only go to a hospital’s emergency department if you need urgent medical care in an emergency. If you have an illness or injury that is not classed as an emergency, the normal course of action is to go to see a doctor in a doctor’s surgery. You are free to choose which doctors and hospitals you go to. This also includes specialists such as dentists, gynaecologists or dermatologists.
Before visiting a doctor, you should arrange an appointment. We recommend that you call your doctor’s surgery and explain your symptoms. The surgery will then arrange an appointment to examine you further and you can avoid a long wait. Many doctor’s surgeries also allow patients to book appointments online. If necessary, check whether the doctors at the surgery can provide advice in English as well as German.
Your doctor will give you a prescription for medicines. You hand this in at a pharmacy of your choice in order to receive the corresponding medication. Sometimes there is an additional fee for the medication. People with private insurance pay for the medication themselves first and then submit the bill to the insurer for reimbursement.
Immediate cost coverage
If you decide for a private travel health insurance like MAWISTA Student, an immediate coverage of the costs by the insurer can be essential. E.g. in case of an inpatient or extensive outpatient treatment.
For the organization, the MAWISTA emergency number is available 24/7.
Our customer service team will be happy to answer your insurance questions