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, United Kingdom 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
06/06/2020

Insurance benefits

Student Classic® Student Classic®Plus Student Comfort®
24/7 medical assistance
Outpatient treatment by a physician
Inpatient treatment in a hospital, including surgeries
Transportation to the nearest suitable hospital
Medication prescribed by a physician
Pregnancy, childbirth and their implications
8 month waiting period
8 month waiting period
Medical treatment (e.g. massages) per insurance year
6
8
8
Medical aids related to an accident (without visual aids) per insurance year
250 €
250 €
1,000 €
Pain-killing dental treatment per insurance year
500 €
500 €
1,000 €
Repatriation and funeral costs to the home country
25,000 €
25,000 €
25,000 €
Liability insurance for damage to rented property
250,000 €
250,000 €
Liability insurance for personal injury
1,000,000 €
1,000,000 €
Accident insurance in case of disability
140,000 €
140,000 €
Accident insurance for rescue costs
5,000 €
5,000 €
Dental prostheses 60% the costs per insurance year
1,000 €
Vaccinations (e.g. flu, tetanus, HPV)
250 €
Accident related visual aids (e.g. spectacles) 3 month waiting time
100 €
Costs / deductible per insurance case
50 €
0 €
0 €
Terms and conditions
PDF
PDF
PDF

Monthly Rates


Premiums for people up to 40 years of age:
Student Classic®
Student Classic®Plus
Student Comfort®
1st to 12th month
33.10 €
39,70 €
76,80 €
from 13th to 48th month
59.70 €
63.80 €
76,80 €
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 €
129.90 €
13th to 48th month
114.00 €
119.00 €
134.00 €
Payment methods
Reiseversicherung für ausländische Gäste

From

33.10€

per month

Student Classic®

  • 24/7 medical assistance
  • Outpatient treatment by a physician
  • Inpatient treatment in a hospital, including surgeries
  • Transportation to the nearest suitable hospital
  • Medication prescribed by a physician
  • Pregnancy, childbirth and their implications (8 month waiting period)
  • 6 medical treatment (e.g. massages)
  • 250 € medical aids related to an accident (without visual aids)
  • 500 € pain-killing dental treatment, repairs of dentures and provisional measures
  • 25,000 € repatriation and funeral costs to the home country
  • 50 € costs / deductible per insurance case

From 33.10€ per month

Student Classic® plus

For just +4€/month you get all insurance benefits of the tarif Student Classic® and additionally / enhanced benefits such as:

  • 8 medical treatments (e.g. massages) per insurance year
  • 5,000 € accident insurance for rescue costs
  • 140,000 € accident insurance in case of disability
  • 250,000 € liability insurance for damage to rented property
  • 1,000,000 € liability insurance for personal injury
  • 0 € costs / deductible per insurance case

From 39.70€ per month

Student Comfort®

You get all the insurance benefits of the tariff Student Classic® and additionally or enhanced benefits such as:

  • Pregnancy, childbirth and their implications without waiting period
  • 8 medical treatments (e.g. massages) per insurance year
  • 1,000 € medical aids related to the accident (without visual aids) per insurance year
  • 1,000 € pain-killing dental treatment per insurance year
  • 5,000 € accident insurance for rescue costs
  • 140,000 € accident insurance in case of disability
  • 250,000 € liability insurance for damage to rented property
  • 1,000,000 liability insurance for personal injury
  • 60% up to 1,000 € dental prostheses
  • 250 € vaccinations (e.g. flu, tetanus, HPV)
  • 100 € accident related visual aids (e.g. spectacles) 3 month waiting time
  • 0 € costs / deductible per insurance case

From 76,80€ per month

FAQs

When you sign up for the MAWISTA Student health insurance your insurance documents include a  a treatment certificate. 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 you require an inpatient treatment at the hospital . 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 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.

MAWISTA Student Classic Plus and MAWISTA Student Comfort also include accident insurance. Here, we cover up to €10,000 in the event of death, €140,000 in the event of disability, up to €5,000 in rescue costs and up to €1,500 for a spa allowance.

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 e-mail or post. The processing usually takes 2 weeks.

 

§ 4 What restrictions of the insurance cover must be observed?

No insurance cover exists for

  1. Medical treatment and other medically prescribed measures which are an occasion for the stay in the agreed area of application;
  2. Medical treatment and other medically prescribed measures, the necessity of which was known to the insured person prior to the stay in the agreed area of application or at the time of the conclusion of the insurance or which he had to expect according to the circumstances known to him;
  3. Food and tonic;
  4. orthodontic treatments, dental treatments that go beyond pain-relieving treatments, repairs of dental prostheses and temporaries;
  5. remedies (e.g. massage and fango treatments as well as lymphatic drainage) that exceed eight (for MAWISTA Student Classic only six) treatments in the insurance year;
  6. the purchase of prostheses and aids; in deviation from this, insurance cover for accident-related aids is provided up to € 250 (€ 1,000 for MAWISTA Student Comfort) per insurance year;
  7. treatment of alcohol, drug and other addictions and their consequences;
  8. Treatment of pregnancies that have already occurred before the start of the insurance;
  9. treatment or accommodation due to infirmity, need for care or custody;
  10. psychoanalytic and psychotherapeutic treatment and hypnosis;
  11. for fees and charges which exceed what is considered to be generally customary and reasonable in the country concerned, as well as for optional services such as single rooms or treatment by a chief physician The reimbursement may be reduced to the rates customary in the country concerned;
  12. return transport of the patient for one of the reasons mentioned in points 1, 2, 7 and 9;
  13. Preventive medical check-ups for the early detection of illnesses, child and youth examinations, dental check-ups and prophylaxis, protective vaccinations (protective vaccinations are included with MAWISTA Student Comfort) as well as fees and charges for attestations, findings reports and (incapacity to work) certificates that have not been requested by the insurer.

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 (can be insured by a statutory health insurance, but must expect very high costs)
  • (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.

In addition, a special certificate of private health insurance cover is issued for the granting of residence permits for the foreigners authority.

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 to the end of each month (by a short e-mail).

If you are already insured in the tariff MAWISTA Student, then family members can also sign up for our MAWISTA Student or alternatively MAWISTA Visum 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, Liechtenstein and United Kingdom.

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. Excepting in the tariff MAWISTA Student Classic, where you will have a deductible of EUR 50 per insurance case. 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 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 (Waiting period 3 months. There is no waiting period for pregnancy in the tariff MAWISTA Student Comfort.) 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 delivery are not reimbursable. In this case, the costs of delivery would only be assumed from 1 September. The costs of pregnancy examinations and treatments will be covered after a waiting period of 3 months. 

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