Health Insurance for language students and university students in Germany
Student at a glance
Duration from 1 to 60 months (5 years)
or credit card
20% Student Classic
15% Student C. Plus
10% Student Comfort
Insurable up to the age of 39 years
Notice of termination
Daily by email to the end of each month
of the EU
As well as Switzerland, Liechtenstein, Norway, United Kingdom and Iceland (if these countries are not the country of origin or the standard place of residency)
In the home country or in Germany
Via telephone or
Proof of insurance
On request in Spanish or in J1 form for the USA
More benefits for less premium
Choose now our best health insurance yet for international academics.
MAWISTA Student offers you for a duration of up to 5 years reliable insurance coverage with an excellent price-performance ratio.
AWP P&C S.A.
Niederlassung für Deutschland
85609 Aschheim (bei München)
As a welfare state, Germany strives to provide comprehensive basic care for the entire population. One of the cornerstones of this philosophy is the German healthcare system, which is divided into statutory and private health insurance schemes.
What do I need to know about health insurance tariffs?
For international language school students, students over the age of 30 and preparatory course students, we recommend the MAWISTA Student health insurance. These tariffs have an excellent price-performance ratio and meet the requirements of the immigration authorities. Statutory health insurance cannot be taken out by language school students, students over the age of 30 and participants in preparatory courses in Germany who only have a limited residence permit.
As soon as you have enrolled at a German university, you can choose between statutory health insurance (GKV) or private health insurance (PKV). If you opt for private health insurance, you will need to provide proof that you are exempt from statutory health insurance in order to enrol at your university. To obtain this, you can take out a MAWISTA Student tariff and show your insurance policy to any statutory health insurance company who will then issue you with an exemption certificate. Statutory health insurance companies often have offices at universities with representatives who can help you with this. Please note that your decision to opt for either private or statutory health insurance is binding for the duration of your studies.
Liability insurance pays costs for damages caused inadvertently by you in daily life. This includes property damage (damage to or destruction of property) and personal injury (damage to health, injury or death of third parties). For property and personal damage, the sum insured is up to €1,000,000 per person and up to €250,000 for damage to rental property (for example, water damage caused by you).
Student halls of residence and educational institutions are increasingly requiring proof of liability insurance. With the MAWISTA Student Classic Plus and Comfort tariffs, liability insurance is included for an affordable price. The Student Comfort tariff also covers loss of keys.
All MAWISTA Student tariffs are valid in Germany as well as for short-term stays (e.g. holidays) in all EU countries and Norway, Iceland, Switzerland, Liechtenstein and the United Kingdom.
If you are already insured with MAWISTA Student, we recommend that your family members also take out MAWISTA Student if they will be living in Germany for more than six months. The maximum contract term for MAWISTA Student is 5 years. If your family will be staying for less than six months, MAWISTA Visum is the better choice.
Each family member must take out insurance separately. We do not offer family insurance that covers several people.
What do I do if I fall ill or have an accident?
If the illness is minor (for example, you have the flu, headaches or have had a minor accident), we recommend you visit a general practitioner in your local area. The doctor who treats you can then refer you to a specialist if need be. If you have toothache, you should go straight to a dentist.
If you have severe pain, a serious accident or need to see someone outside of normal opening hours (for example at the weekend), please visit an on-call doctor's practice that offers an emergency service or a hospital. If you need to stay in hospital as an inpatient (e.g. for an operation), contact your insurer immediately. In this case, your insurer's emergency call centre team will clarify the details of how the costs will be covered directly with the hospital. The advantage of this is that you do not need to pay high hospital bills as the insurer will pay your costs directly.
Our emergency call centre team are available 24 hours a day:
Tel.: +49 89 6242 4496
Fax: +49 89 6242 4246
The prerequisite for obtaining a declaration of cost acceptance is the treatment of an acute illness (no previous illness) that is medically necessary and cannot be postponed.
Please submit the following documents so we can check that you meet these prerequisites:
- Detailed report on findings by the doctor who ordered the operation
- Medical history
- Information about when the operation will take place
- Information about where the operation will take place
How do I submit a bill?
Please use our claim form to submit your bill and make sure you complete it in full. Once you have sent the form, you will receive an automatic confirmation of receipt via email. The insurer will then check whether your bill can be refunded and deal with the rest.
So they can check hospital bills, your insurer will need the following documents:
- Admission notification from the hospital
- Discharge notification from the hospital
- Full discharge report
In the event of a claim, we strongly recommend writing down the names and addresses of witnesses. Also, please avoid admitting liability for damage at the scene of the accident. This can lead to a loss of insurance claims, as it is the insurer's responsibility to check the circumstances.
For further processing, we require a damage report with all available information and supporting documents:
- Description of the incident
- Name and address of witnesses
- Police reports
Please send the documents together with your insurance number to email@example.com.
What is insured; what isn’t insured?
Costs for medication will be covered provided they have been prescribed by a doctor for medically necessary treatment of an acute illness.
Vaccinations recommended by STIKO (Standing Committee on Vaccination) are reimbursed on the MAWISTA Student Comfort tariff up to an amount of €250 per insurance term. The MAWISTA Expatcare Premium tariff also covers vaccinations recommended by STIKO.
A deductible means that you will have to pay part of the bill submitted to your insurer. For the MAWISTA Student tariffs, the following excesses apply for outpatient treatment or dental treatment:
- MAWISTA Student Classic: 20% per insured benefit, max. €250 per calendar year
- MAWISTA Student Classic Plus: 15 % per insured benefit, max. €250 per calendar year
- MAWISTA Student Comfort: 10 % per insured benefit, max. €250 per calendar year
Example MAWISTA Student Comfort:
- You submit a doctor's bill of €100 to your insurer. If all services are covered, your insurer will reimburse you €90.
- You submit a bill of €5,000. In this case, your insurer will reimburse you €4,750 for the insured services as the annual maximum limit of €250 applies.
You can find out more information about the deductible here.
The abbreviation ‘GOÄ’ stands for Gebührenordnung für Ärzte (scale of fees for doctors). ‘GOZ’ stands for Gebührenordnung für Zahnärzte (scale of fees for dentists). German doctors and dentists are obliged to charge for treatment in accordance with the respective scale of fees. For each treatment, a specific amount is specified for each treatment and varying percentages can be charged based on this amount. The insurer pays 1.8-3.5 times the rate depending on the tariff that has been taken out.
- Bill with a fee rate that exceeds the reimbursable rate
With the MAWISTA Student Classic tariff, the insurer will generally reimburse 1.8 times the scale of fees. You receive an invoice with 2.3 times the rate of the scale of fees. The insurer will reimburse the incurred costs at 1.8 times the rate after they have checked the bill (with deduction of excess depending on tariff). You must pay the difference yourself. We therefore recommend that you discuss the billing methods with the doctor before you receive treatment.
- Bill with a fee rate that is lower than the reimbursable rate
With the MAWISTA Student Classic Comfort tariff, the insurer will generally reimburse all insured benefits from 1.8 to 3.5 times the rate.
MAWISTA Student, the insurer will generally only reimburse treatment that is medically necessary and has occurred after the start of the insurance term. Treatment for pre-existing conditions will therefore not be paid for by the insurer.
The conditions of insurance in section 4 outline the cases where there is no insurance cover:
- Medical treatment and other measures ordered by a
physician, where the purpose of the stay in the agreed
area of application was to seek such treatment.
- Medical treatment and other measures ordered by a
physician that the insured person knew were necessary
prior to the stay in the agreed area of application or at
the time of taking out the insurance or which he or she
could have expected in the circumstances of which he
or she was aware.
- Nutriments and tonics.
- Orthodontic treatment, dental treatment other than
pain-killing treatment, repairs to dentures and provisional measures.
- Medical treatment (e.g. massages, fango or lymph
drainage treatments) which exceed six treatments per
- The purchase of prostheses and other medical aids;
notwithstanding this, insurance cover is provided up
to € 250 per year for aids required as a result of an
- Treatment of alcoholism, drug addiction and other
addictions as well as the consequences thereof.
- Treatment of pregnancies which occurred before the
commencement of insurance and for the treatment of
pregnancies within the waiting period after the commencement of insurance.
- Treatment or accommodation caused by infirmity, need
of nursing care or detention.
- Psychoanalytical and psychotherapeutic treatment
- For fees and charges which exceed the extent considered generally customary and reasonable in the
country concerned and for optional benefits such as a
single room or treatment by the head physician. The
reimbursement may be reduced to the customary
rates in the country.
- Patient repatriation transport caused by one of the
reasons mentioned under no. 1, 2, 7 and 9.
- Prophylactic examinations and check-ups, check-ups
of children and young people, dental check-ups and
dental prophylaxis as well as any charges and fees for
medical certificates, reports on diagnostic findings and
doctor’s certificates for inability to work, which were
not requested by the insurer.
The ‘waiting period’ is the period after the insurance has commenced during which there is no entitlement to insurance benefits.
With MAWISTA Student, any treatments in pregnancy (3 months from the start of the contract), childbirth and dentures (8 months from the start of the contract) are subject to waiting periods. With the MAWISTA Student Comfort tariff, pregnancy is covered without a waiting period.
You took out insurance from 1 January. The insurance company will reimburse costs for dentures from the start of treatment only after 1 August (after 8 months).
If the pregnancy began before the start of the insurance cover, pregnancy treatments and childbirth are not insured. If a pregnancy starts after the insurance cover has commenced, the tariffs cover the costs of pregnancy treatments as follows:
Student Classic / Student Classic Plus
- Waiting period pregnancy treatments: 3 months
- Waiting period child birth: 8 months
- Waiting period pregnancy treatments: 0 months
- Waiting period child birth: 0 months
Regardless of when the pregnancy began and waiting period, the insurer will reimburse costs of medical treatment in the case of acute pregnancy complications including miscarriage and premature birth.
We will cover you if you fall ill with COVID-19 during your stay abroad.
The following benefits are covered, provided they have been ordered by a doctor:
- Medically necessary treatments
- Costs for in-patient quarantine
- PCR test (if symptoms present)
What do I need to know about applying for and extending insurance and providing supporting documents?
To switch to MAWISTA Student from another insurance company during your stay abroad, you should check the cancellation periods with your previous insurance company. You should avoid having two insurance policies running concurrently as this makes it difficult to determine who should pay.
If you have any questions, our staff would be happy to help you. You can get in touch with us from Monday to Thursday, 9 a.m.-5 p.m. and Friday 9 a.m.-4 p.m. on +49 7024 469 510.
You can switch to an equivalent, higher or lower tariff within the first four weeks after your insurance has commenced or until the cancellation period of two weeks after application has expired. Any later than this, you will only be able to switch to an equivalent or lower tariff.
If you would like to change your tariff, please send a brief email including your contract number to firstname.lastname@example.org.
Simply send us a brief email including your contract number and the number of months you would like to extend your contract for to email@example.com.
If your contract has expired, you will not be able to extend the insurance term. In this case, your only option is to take out a new insurance contract.
As soon as your application is approved, you will immediately receive confirmation of your insurance via email. Our certificate is recognised as a health insurance policy by immigration authorities and universities/universities of applied sciences.
To help you obtain a residence permit from the immigration authorities, we would be happy to issue special certificates about your private health insurance policy on request.
Yes, you can also take out our insurance if you have been insured before, provided you have not lived in Germany for any longer than five years.
We generally recommend that you apply for the maximum insurance term you can as applications to extend your contract can be refused by the insurer. Despite the longer contract term, there is still flexibility as you can cancel your insurance contract early at any time before the end of the month without giving a reason.