for those studying abroad or on practical training courses, scientists, degree students and language students in Germany
mawista Tarif-Finder
MAWISTA Science mawista science
  • monthly payment
  • free choice of doctors and hospitals
  • up to the age of 55 years
  • minimum insurance period 1 month
  • maximum insurance period 60 months
  • cancellation daily to the end of the current month
from 44,80
per month
for application
Who can be insured?
perfect for foreign:
  • scholarship holders
  • students
  • scientists
  • trainees
  • as well as their accompanying family members

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What should i know?
  • Maximum admission age: 55 years
  • Maximum insurance period: 60 months
  • Minimum insurance period: 1 month
  • Cover can be extended prior to expiry of the policy by phone, post, fax or e-mail.
    Tip: An application for a prolongation of your contract could be rejected, therefore it would be recommendable if you conclude a contract for the whole duration of your stay.
  • Method of payment: monthly
  • Cancellation: anytime, effective to the last day of the month
  • no deductible (except MAWISTA baggage insurance)
  • all sports activities included in the health insurance
  • The insurance protection is world-wide. In the home country also up to 6 weeks for each insurance year when the insured stay abroad is interrupted.

Allianz Worldwide Partners

The insurer:
Allianz Worldwide Partners
Bahnhofstr. 16
85609 Aschheim bei München
Deutschland

How much are the premiums?
Insurance periodmawista® Science
up to 40 years
mawista® Science
41 to 55 years
1st to 12th month per month44,80 €88,50 €
from 13th to 60th month per month72,10 €143,10 €
What are the most important benefits*?
Health and emergency insuranceMAWISTA
Science
Outpatient treatment
Inpatient treatment
Medicines and dressings
Aids related to the accident (not including sight aids)
max. 250 €
Medical treatment (e.g. massage), up to 8 per insurance year
Analgesic dental treatments, denture repairs and temporary solutions
(100% up to max. 500 € and 75% above 500 € up to max. 1.000 €)
Transport costs to the nearest suitable hospital
Medically necessary rehabilitation measures as subsequent medical treatment
Pregnancy, childbirth and their implications
Funeral or repatriation costs (max. 25.000 €)
Repatriation to home contry 
Liability insurance


What restrictions on the coverage have to be considered?

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;
  • All types of preventive examinations, or routine checks or inoculations, as well as nutriments and restorers;
  • Orthodontic therapies, dental treatment, with more than anodyne treatment, repair of dental prosthesis or inlays and crowns;
  • Abortion, existing pregnancy prior to the policy taking effect, otherwise always a qualifying period of 8 months;
  • Treatment of alcohol or drug-related illnesses and other addictions and their consequences as well as attempt and completed suicide;
  • Treatment for psychiatric or mental disorders as well as hypnosis and psychotherapy;
  • Medical fees which exceed the appropriate usual fee of the related country as well as optional benefits like single room or treatment by the head of the department

*Legally binding are the conditions of insurance of the Allianz Worldwide Partners, München. You can view and download our insurance terms and conditions as a PDF file. (German / English)

Important refernces in the case of a claim of the health insurance

The benefits of the tariff are limited to acute, curative treatments of newly occurred diseases.

On stationary treatment in a hospital, before extensive ambulatory treatment or stationary diagnostic and therapeutic treatment, as well as prior to the release of a payment acknowledgment, please contact the emergency assistance centre without delay:

24 hour emergency hotline:
Telephone +49 (0) 89 6 24 24 – 4 96
Telefax +49 (0) 89 6 24 24 – 2 46

Together with your insurance contract you will receive treatment documents to hand over to the doctor in case of an incident. Please hand over the treatment papers before the actual treatment begins.

With outpatient treatments, the doctor will give you an invoice afterwards. Please visit always a general practitioner before consulting medical specialists.

What to do in case of toothache?
Please inform the dentist before being treated about the limited coverage and the maximum covered claim with the help of your documents.
In case of new and acute toothache you will receive preferential treatment. The insurance covers only alleviation of pain and medication for the pain causing tooth.
Extensive reconstructions of teeth are not covered even if this seems to be necessary from the medical point of view.

For prescribed, refundable medications you will receive a stamped prescription in the pharmacy, on which the prices of the medication will be listed. Please send only the original bills and prescriptions together with the number of your bank account.

Important
The bills must include the following details: the name of the treated person, a description of the illness, details about the treatment and a list of the medical services provided and the associated costs. Prescriptions must include the following details: the prescribed medication, prices and the chemist’s official stamp.

The proceeding time for refunding the expenses will be about 2 weeks.

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WHAT´S THE DIFFERENCE BETWEEN MAWISTA STUDENT AND MAWISTA SCIENCE?
The difference between the tariffs MAWISTA Science and MAWISTA Student are shown on this comparison site:

Compare Health Insurance Student

APPLICATION

CAN I SEND YOU MY APPLICATION BY FAX? IF SO, DO I HAVE TO SEND AN ORIGINAL APPLICATION AS WELL?

You only need to send us the application by fax. You do not need to send us the original application.

WILL I RECEIVE VERIFICATION FROM YOU AS PROOF OF MY HEALTH INSURANCE FOR SUBMITTANCE TO THE ALIENS’ REGISTRATION OFFICE OR UNIVERSITY?

As soon as we have received your application, we will issue you with an insurance policy and send it to you by post. In our experience, this is accepted as proof of insurance by all aliens’ registration offices and universities/technical colleges. A copy is usually sufficient.

HOW LONG WILL IT TAKE TO PROCESS MY APPLICATION, AND HOW QUICKLY WILL I RECEIVE THE INSURANCE POLICY?

Your application will usually be processed within one working day. Provided your application is complete and legible, and you have entered the recipient address correctly, you will receive your insurance policy, which we will issue and post on the same day, within two or three days. If you have still not heard anything from us after a week, please give us a call.
If you urgently require the insurance confirmation for a public department or university, please state this on your application. We will then send you the confirmation by fax or e-mail to the address you have given on the same working day as your application is processed.

CAN I TAKE OUT AN INSURANCE POLICY WITH YOUR COMPANY IF I HAVE ALREADY BEEN IN GERMANY FOR SOME TIME?

You can still take out insurance with us even if you have already been in Germany for some time.

I AM ALREADY INSURED, BUT I WOULD LIKE TO CHANGE MY INSURANCE COMPANY. CAN I TAKE OUT AN INSURANCE POLICY WITH YOUR COMPANY?

You can still apply for an insurance policy even if you have previously been insured with another company. In this case, please give the name of your previous insurance company and state how long you have been insured with them.

HOW MANY MONTHS SHOULD I ENTER IN MY APPLICATION UNDER “INSURANCE PERIOD” IF I DON’T KNOW EXACTLY HOW LONG I WILL BE STAYING IN GERMANY?

Under “Insurance period”, enter the number of months you will be probably be staying in Germany. If this period should change, please notify us by post, fax, e-mail or telephone, and extend your insurance policy, or terminate it to the end of the month, accordingly.

MY FAMILY WILL BE FOLLOWING ME TO GERMANY. CAN YOU OFFER ME A FAMILY INSURANCE?

Unfortunately, a family insurance is not available under the terms of a private insurance policy. You will need to submit a separate application for each member of your family.

A special product for short stays is available here.

PREMIUM PAYMENT

METHODS OF PAYMENT:

The insurance premiums are true monthly rates, which are to be paid monthly. For this reason, you must provide details of a German bank account and grant Würzburger Versicherungs-AG authorisation to debit the monthly charges from this account. Please note that the specified account must be sufficiently covered when the amount is debited on the first day of the month.

HOW CAN I PAY MY INSURANCE PREMIUMS IF I DON’T YET HAVE A BANK ACCOUNT IN GERMANY?

If you do not yet have a German bank account, please select the payment method “Monthly payment by bank transfer” on the application form. We will then send you the transfer/payment forms together with your insurance policy, in which you only have to enter your policy number 75XXXXX and the monthly premium you need to transfer.

You can use these forms to transfer the required amount by cash at any bank to the account of AGA International S.A.

Postbank München
Bank code: 70010080
Account no. 900063801

Please ensure that your premium is always paid punctually to the 1st of the month. Delayed payment of the monthly premiums will put your insurance cover at risk.

Banks usually charge a fee of approx. EUR 5 for cash transfers. Please notify us as soon as you have opened a bank account in Germany, whereby you can use the “Amendment Notification” form you will receive together with your insurance policy.

BENEFITS AND BENEFIT REIMBURSEMENT

DOES THE INSURANCE COVER APPLY IN OTHER COUNTRIES APART FROM GERMANY?

The insurance cover is valid not only in Germany, but also in all other EU countries: Austria, Belgium, Denmark, Finland, France, Greece, Great Britain, Ireland, Italy, Luxembourg, Netherlands, Portugal, Sweden and Spain.

WHAT DO I HAVE TO DO IN CASE OF ILLNESS, AND HOW ARE THE DOCTORS’ OR HOSPITAL BILLS PAID? WILL I RECEIVE AN INSURANCE CARD FROM YOU?

AGA International S.A. is to be informed without delay if you are admitted to a hospital. The emergency number, which you will also find on your insurance policy, is 089-62424297.
AGA International S.A. can then arrange an immediate guarantee of responsibility for the costs incurred with the hospital. In this case, the hospital will invoice AGA International S.A. directly. The benefit for you is that you will not have to make any advance payments before receiving treatment.

General practitioners or dentists, on the other hand, usually expect to receive payment directly from you in person. You should then wait until you receive the bill from the doctor, pay it, and then send the original bill for reimbursement to

AGA International S.A.
mawista Schadenabteilung
Ludmillastr. 26
81543 München

Please enclose a copy of your insurance policy together with the bill and give your bank account details.

DOES A RETENTION FEE NEED TO BE PAID AFTER EVERY TREATMENT?

No!

This is only to indicate that a maximum cover applies in certain cases, for example dentistry treatment, dentures, medication or for return transport to your native country.

WHICH INSURANCE SERVICES ARE NOT COVERED?*

You are advised to read this section of the insurance terms and conditions carefully to avoid any unpleasant surprises later.

Benefits not covered by the insurance include:

  • 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 vaccinations
  • Certificates and attestations relating to examinations for obtaining residence permits
  • Abortion, existing pregnancy prior to the policy taking effect, otherwise always a qualifying period of 8 months (see “Qualifying period”)
  • Withdrawal and weaning treatment
  • Treatment for illnesses resulting from intentional physical self-abuse
  • Dentures, inlays and crowns (Student Classic® tariff only) *The insurance terms and conditions of the insurer are decisive.

WHAT DOES “QUALIFYING PERIOD” MEAN, AND DOES THIS QUALIFYING PERIOD ALWAYS APPLY?

However, most of the insurance benefits covered by our tariffs are not subject to a qualifying period. Exceptions are only benefits regarding treatment relating to pregnancy and childbirth and to dentures. In both cases, a qualifying period of 8 months from the date the policy takes effect applies.
During this qualifying period, no claims can be made for insurance benefits in cases for which a qualifying period has been agreed.
Example: If the insurance policy comes into effect on January 1st, costs incurred during the first 8 months for gynaecological examinations and treatment, as well as for childbirth, cannot be reimbursed. Claims can only be submitted for costs incurred after September 1st.

WHAT DO I HAVE TO DO IN CASE OF ILLNESS, AND HOW ARE THE DOCTORS’ OR HOSPITAL BILLS PAID? WILL I RECEIVE AN INSURANCE CARD FROM YOU?

AGA International S.A. is to be informed without delay if you are admitted to a hospital. The emergency number, which you will also find on your insurance policy, is 089-62424297.
AGA International S.A. can then arrange an immediate guarantee of responsibility for the costs incurred with the hospital. In this case, the hospital will invoice AGA International S.A. directly. The benefit for you is that you will not have to make any advance payments before receiving treatment.

General practitioners or dentists, on the other hand, usually expect to receive payment directly from you in person. You should then wait until you receive the bill from the doctor, pay it, and then send the original bill for reimbursement to

AGA International S.A.
mawista Schadenabteilung
Ludmillastr. 26
81543 München

Please enclose a copy of your insurance policy together with the bill and give your bank account details

HEALTH INSURANCE IN GENERAL

UNDER WHICH CIRCUMSTANCES CAN I TAKE OUT PRIVATE INSURANCE COVER?

We generally advise people who already belong to a statutory health insurance sceme to remain with their insurance company.
People belonging to some insurance groups, however, are excluded from taking out statutory insurance, for example:
  • language students who have not yet enrolled as a student
  • students over 30 years of age
  • Students studying in their 14th term or later
  • Trainees and guest scientists are also frequently excluded.

I HAVE TAKEN OUT HEALTH INSURANCE WITH YOUR COMPANY. CAN I APPLY FOR A SOCIAL INSURANCE NUMBER FROM YOU?

You do not need a social insurance number until you take up employment. The first time you start work in Germany, your German employer must apply to a statutory health insurance company (AOK, KKH, IKK, TK etc.) for your social insurance card in your name. Social insurance numbers are not issued by private insurance companies.