MAWISTA Student

MAWISTA Student

Health Insurance for language students and university students in Germany

In case of unexpected illness or an accident, a health insurance policy protects you from incalculably high medical costs.

From

33.10€

per month

Insurance benefits

  • Free choice of doctors
  • Fast claims processing
  • Flexible contract termination
Post-doctoral researchers
Foreign exchange students
language students and students participating in university preparatory courses (Studienkolleg)
Trainees, Work & Travel
Accompanying family members
Participants in exchange programmes
(e.g. ERASMUS, DAAD, SOKRATES)
Graduates searching for a job in Germany
After completing their university studies (see the Student Comfort rate, according to section 16 (5) of the Aufenthaltsgesetz (German Residency Law)

Who is entitled?

The health insurance covers the treatment by a physician and in hospital as well as the medications prescribed by the physician.

MAWISTA Student can be obtained before or during the educational stay in Germany.

The health coverage applies to Germany and temporary visits (e.g. vacation) to the states of the European Union, along with Switzerland, Liechtenstein, Norway and Iceland.

Mawista

Student at a glance

Our service

MAWISTA Student offers you for a duration of up to 4 years reliable insurance coverage with an excellent price-performance ratio.

Thanks to our quick and competent service, after the verification you will receive your contract documents within 24 hours. We know that students have to remain flexible, this is why you pay your premium monthly and can cancel your insurance by the end of the month at any time, if required.
Versicherung für ausländische Gäste

The insurer

Allianz Travel

AWP P&C S.A.
Niederlassung für Deutschland
Bahnhofstr. 16
85609 Aschheim (bei München)

4.8/5
5/5
Rating
18.11.2019 via Google

Insurance benefits

Student 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

Monthly Rates


Premiums for people up to 40 years of age:
Student Classic®
Student Classic®Plus
Student Comfort®
1st to 12th month
33.10 €
37.20 €
58.90 €
from 13th to 48th month
56.70 €
60.80 €
63.70 €
Conditions of contract
Premiums for people from 41 years up to 55 years of age:
Student Classic®
Student Classic®Plus
Student Comfort®
1st to 12th month
69.90 €
74.90 €
119.90 €
13th to 48th month
114.00 €
119.00 €
124.00 €
Conditions of contract
Payment methods
Reiseversicherung für ausländische Gäste

From

33.10€

per month

Student Classic®

  • Outpatient treatment
  • Inpatient treatment
  • Medicines and dressings
  • Aids related to the accident (not including sight aids)
  • Medical treatment (e.g. massage), up to 8 per insurance year
  • Analgesic dental treatments, denture repairs and temporary solutions, max. 500€
  • Transport costs to the nearest suitable hospital
  • Pregnancy, childbirth and their implications
  • Funeral or repatriation costs (max. 25.000 €)
  • Repatriation to home country

From 33.10€ per month

Student Classic® plus

For 4€ more you get Student Classic® plus and

  • Accident and liability insurance

From 37.20€ per month

Student Comfort®

For 25 € more you get Student Classic®, Student Classic® plus and

  • Aids related to the accident (not including sight aids), max. 1.000 €
  • Sight aids related to the accident (e.g. spectacles), max. 100 €
  • Analgesic dental treatments, denture repairs and temporary solutions, max. 1.000 €
  • Dental prostheses costs (60% up to max. 1.000 € per insurance year)

From 58.90€ per month

FAQs

When you sign up for the MAWISTA Student health insurance your insurance documents include a treatment slip. You must present the treatment slip to the physician or hospital prior to the treatment in Germany. You do not need the treatment slip outside Germany.

In case of acute illness or accident you can choose your physician or hospital. For general illnesses such as influenza, headaches or minor accidents we recommend you visit a general practitioner. Your attending physician can refer you to a specialist, if required. In case of toothache, contact a dentist directly.

In case of severe pain or major accidents outside of regular physician`s hours (e.g. at the weekend) please head directly to a hospital.

Please contact us directly should stationary treatment at the hospital be required (e.g. operation). The staff of the emergency hotline will coordinate the assumption of the costs with the hospital directly. This offers you the advantage of not having to first pay high hospital costs yourself as the insurer pays the hospital directly.

You can reach our emergency hotline staff around the clock:
Telephone: +49 89 624 24 – 496
Fax: +49 89 624 24 – 246
E-mail: mawista-schaden@allianz.com

Your physician or hospital will present you with an invoice for visits without overnight stays (out-patient treatment). You must transfer the payment to the attending physician or the hospital. Cash payment is only requested in rare cases.

In order for you to receive quick reimbursement from the insurance company, you need to supply us with the following information:

  • Your name
  • Your insurance number
  • Treatment data from the physician (incl. diagnosis)
  • Medical services + overview of costs
  • If applicable, prescriptions (with medication, price and stamp of the pharmacy) prescribed the physician

You can conveniently send us the information via our online form, e-mail or post. The processing usually takes 2 weeks.

 

A liability insurance pays the costs of damage you cause unintentionally in your daily life. This includes damage to property (damage or destruction of objects) and personal damage (damage of health, injury or death of third parties). For property damage the insured amount is up to EUR 1,000,000 per person and up to EUR 250,000 for damage to rented property.

Mishaps can happen any time. This is why we recommend that each customer also signs up for liability insurance in addition to the health insurance. Liability insurance is included in the products MAWISTA Student Classic Plus and MAWISTA Student Comfort. For detailed information see the general insurance conditions for the rates MAWISTA Student Classic Plus and MAWISTA Student Comfort.

For claims we strongly recommend noting the names and addresses of witnesses. Please also avoid acknowledging the liability for damage at the location of the accident. This can lead to a loss of insurance coverage as the examination of the circumstances is the duty of the insurer. For further processing we require a damage report with all available information and documents:

  • Description of the event
  • Names and addresses of witnesses
  • Police reports
  • Photos
  • Invoices

You can easily send us the information via our online form, e-mail or post. The processing usually takes 2 weeks.

 

  • Curative treatments and other medically prescribed measures that are the cause for staying in the agreed area of application
  • Curative treatments and other medically prescribed measures whose necessity was known to the insured person before their stay in the agreed application area or at the time of conclusion of the contract or which the person could have expected based on the circumstances known to him/her
  • Any type of preventive medical examination or control examination, vaccination as well as nutriments or restorative remedies
  • Orthodontic treatment or dental treatment beyond pain-relieving treatment, repair of dentures and transitional prostheses. Dental prostheses, inlays (only in the Student Comfort rate)
  • Termination of pregnancy, pregnancy that began before the start of the insurance. For subsequent pregnancies there is an 8-month waiting period before the assumption of costs
  • Treatment of alcohol, drug or other addictions
  • Treatment of mental or psychological disturbances as well as hypnosis and psychotherapy
  • Fees and dues that exceed the scope considered standard and appropriate in the concerned country, as well as elective services such as single rooms or treatment by the head physician.
  • Illnesses and results of accidents for whose treatment the international journey has been undertaken as well as treatments of which it was known that they must be carried out during the planned journey and treatment of illnesses and results of accidents that were already present before the start of the contract
  • Examinations required for the issuing of confirmations and expert opinions required for receiving residence authorisation

As a welfare state, Germany aims to have comprehensive primary health care for the entire population. One of the pillars of this philosophy is the German healthcare system. This includes both statutory and private health insurance. Different groups of persons in Germany are subject to compulsory health insurance. This includes all students enrolled in state-run or state-recognized institutions of higher education under the age of 30.

At the beginning of their studies, students are allocated to a statutory health insurance company. From the time of enrolment students have three months to decide whether they want to be insured via statutory health insurance (GKV) or a private health insurance (PKV). This decision is binding and cannot be reversed for the duration of the enrolment.

Those who opt for private health insurance can be relieved from the health insurance obligation. However, we recommend that all interested persons who are already insured with a statutory health insurance to remain insured in the statutory health insurance. There are some groups of persons who are not eligible for statutory health insurance and must therefore obtain private health insurance. These include:

  • Language students who are not yet enrolled as students in a university or university of applied sciences
  • Students over 30 years of age
  • Students above the 14th semester of study
  • (in many cases) trainees and visiting scientists

In the above-stated cases we recommend that you obtain MAWISTA Student or MAWISTA Science. We will be glad to inform you about this via telephone.

Essentially, the two offers differ in the duration of the insurance and the application area in which the coverage is valid. In terms of the application area, MAWISTA Science offers the advantage of offering worldwide coverage for foreigners in Germany and it even covers up to 6 weeks in their home countries. This way, it covers also the medical costs for illness or accidents during short-term visits to their home country (the insurance coverage does not cover persons from countries with embargos or sanctions).

MAWISTA Student can be concluded for a period of up to four years. With MAWISTA science, uninterrupted coverage of up to five years is possible.

Note: Find out more about the precise Differences between the two rates MAWISTA Student and MAWISTA Science.

The fastest way for you to receive your insurance documents is if you choose e-mail as the mode of dispatch in the insurance application. You will receive a reply of whether your application has been approved within 24 hours. If we have accepted your application, the legally valid insurance policy is attached to the e-mail. You can also request the insurance policy via post. After your information has been successfully checked, we send out your MAWISTA insurance policy on the same day. In general the insurance policy will reach you within 2 days.

Language students require private health insurance for the duration of the language course. Our packages MAWISTA Student or MAWISTA Science are best suited for this purpose (Comparison of MAWISTA Student vs. MAWISTA Science). Both health insurances fulfil the requirements of immigration authorities. As soon as you enrol at a German university, you will be insured by a statutory health insurance.

Alternatively, within three months after enrolment you have the option to be relieved of the statutory health insurance obligation and continue to be insured by MAWISTA. Please note that if you decide on a private health insurance the decision will apply for the entire duration of your studies and cannot be revoked.

We generally recommend that all interested persons who are already insured with a statutory health insurance to remain insured in the statutory health insurance. Our staff will be glad to provide you with additional information about this topic.

Yes, we will provide you with a confirmation of your insurance as soon as your application is approved. Our confirmation is recognised by the immigration authorities and universities/universities of applied sciences as proof of health insurance. Usually it is enough if you present a copy to the immigration authority or university.

Yes, you can obtain insurance from us if you are enrolled in university in Germany and are not residing longer than five years in Germany or if the entire insurance duration is no longer than five years.

You can switch to MAWISTA if you are an international language student, university student or visiting scientist with a temporary residency permit in Germany.

Please first clarify the cancellation deadlines with your previous health insurance and make sure that you do not have double insurance. Then you can apply for the desired insurance protection online.

Our staff will be glad to inform you about a suitable MAWISTA follow-up contract.

We recommend that you apply for the maximum insurance duration as a subsequent application for extension may be rejected. With a longer duration you will also continue to have health coverage if you stay longer than planned in Germany. If you decide to leave early you can cancel your insurance contract at any time without stating reasons at the end of each month.

If you are already insured by MAWISTA, then family members can sign up for our MAWISTA Visa or MAWISTA student product. Each family member must sign up for the insurance product separately. We do not offer family insurance.

Your MAWISTA insurance protection covers Germany mainly as well as temporary stays (e.g. vacations) in all EU countries as well as Norway, Iceland, Switzerland and Liechtenstein.

Your physician or hospital will present you with an invoice for visits without overnight stays (out-patient treatment). You must transfer the payment to the attending physician or the hospital. Cash payment is only requested in rare cases. If you must stay at the hospital as an in-patient (i.e. overnight) please inform the emergency hotline of the insurance company immediately. The emergency hotline will coordinate the details of assumption of the costs with the hospital directly. This offers you the advantage of not having to first pay high hospital costs yourself as the insurer pays the hospital directly.

You can reach our emergency hotline staff around the clock:
Telephone +49 89 624 24 – 496
Fax +49 89 624 24 – 246
E-Mail mawista-schaden@allianz.com

There is no flat co-payment rate for treatments. This means that the insurer reimburses you the costs for acute and unforeseeable medical illnesses and accidents. However, in certain cases there can be upper limits, e.g. for dental treatment, dental prostheses, adjuvants or the transport back to the home country. The insurer assumes the costs up to the upper limit. For detailed information of the conditions see the general insurance conditions for the respective rate.

In order for you to receive quick reimbursement from the insurance company, you need to supply us with the following information:

  • Your name
  • Your insurance number
  • Treatment data from the physician (incl. diagnosis)
  • Medical services + overview of costs
  • If applicable, prescriptions (with medication, price and stamp of the pharmacy) prescribed the physician

You can conveniently send us the information via our online form, e-mail or post. The processing usually takes 2 weeks.

 

“Waiting period” denotes the time after the contract has been concluded in which there is still no insurance coverage. Most services of MAWISTA Student are not subject to a waiting period.

The only exceptions are pregnancy treatments and delivery as well as dental prostheses. For both these cases there is a waiting period of 8 months after the beginning of the contract. Example: If the insurance begins on 1 January, then the costs incurred within the first 8 months for pregnancy examinations and treatments as well as delivery are not reimbursable.

In this case, the costs of pregnancy examinations and treatments as well as delivery would only be assumed from 1 September.

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