Health Insurance for those studying abroad, language students, internship students and guest scientists in Germany
mawista Tarif-Finder
MAWISTA Student mawista student
  • 3 different tariffs
  • monthly payment
  • free choice of doctors and hospitals
  • up to the age of 55 years
  • minimum insurance period 1 month
  • maximum insurance period 48 months
  • cancellation daily to the end of the current month
from 33,10
per month
for application
Who can be insured?

For many years MAWISTA has been established for the health insurance for students. Every foreign person receives with his or her contract documents the “certificate for administration” which is used at the foreign office to renew the visa. The contracts can be closed online and normally the customers receive their documents at the same day. If there are any questions left please call us or send an e-mail out of office hours. For detailed information about studying in Germany, there is a good e-book which could be bought at ebooks 4 you.

Perfect for foreign:

  • students
  • language students (e.g. in preparation of a language test)
  • practical trainees
  • scientists
  • internship students
  • as well as their accompanying family members
  • job-seekers after their studies according to § 16 Abs. 5 Aufenthaltsgesetz (law of residence) up to 18 months based on tariff Student Comfort®

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What should I know?
  • Maximum admission age: 55 years
  • 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
    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
  • all sports activities included in the health insurance
  • with home country outside Germany valid in Germany, the European Union and Switzerland, Liechtenstein, Norway and Iceland.

Allianz Worldwide Partners

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

How much are the premiums?
Insurance periodStudent
Classic®
Student
Classic® plus
Student
Comfort®
1st to 12th month
per month up to 40 years
33.10 €37.20 €58.90 €
from 13th to 48th month
per month up to 40 years
56.70 €60.80 €63.70 €
Premiums for people from 41 years up to 55 years of age
Insurance periodStudent
Classic®
Student
Classic® plus
Student
Comfort®
1st to 12th month
per month
69.90 €74.90 €119.90 €
13th to 48th month
per month
114.00 €119.00 €124.00 €
What are the most important benefits*?
Health and emergency insuranceStudent
Classic®
Student
Classic® plus
Student
Comfort®
Outpatient treatment
Inpatient treatment
Medicines and dressings
Aids related to the accident (not including sight aids)
max. 250 €

max. 250 €

max. 1.000 €
Sight aids related to the accident (e.g. spectacles)
max. 100 €
Medical treatment (e.g. massage), up to 8 per insurance year
Analgesic dental treatments, denture repairs and temporary solutions
max. 500 €

max. 500 €

max. 1.000 €
Dental prostheses costs (60% up to max. 1.000 € per insurance year)
Transport costs to the nearest suitable hospital
Pregnancy, childbirth and their implications
Funeral or repatriation costs (max. 25.000 €)
Repatriation to home country
Accident and 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 restorer
  • orthodontia therapies, dental treatment, with more than anodyne treatment, repair of dental prosthesis or inlays and crowns (Student Comfort® tariff only)
  • 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 at mawista Visum.

PREMIUM PAYMENTS

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 the insurer 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 75XXXXXX 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 insurer:

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.

INSURANCE SERVICES AND 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, Italy, Belgium, Latvia, Bulgaria, Lithuania, Croatia, Luxembourg, Cyprus, Malta, Czech Republic, Netherlands, Denmark, Poland, Estonia, Portugal, Finland, Romania, France, Slovakia, Slovenia, Greece, Spain, Hungary, Sweden, Ireland, United Kingdom and also in Switzerland, Liechtenstein, Norway, and Iceland.

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?

The insurer is to be informed without delay if you are admitted to a hospital. The emergency number will be on your insurance policy.
The insurer can then arrange an immediate guarantee of responsibility for the costs incurred with the hospital. In this case, the hospital will invoice the insurer 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 the insurer.

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.

HEALTH INSURANCE, 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.