Home Health Insurance for foreign nationals in Germany Health Insurance for International Students in Germany
Target group
Important
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Benefits
In case of unexpected illness or an accident, a health insurance policy protects you from incalculably high medical costs. The health insurance covers the treatment by a physician and in hospital as well as the medications prescribed by the physician.
In Germany health insurance is required by law. The health insurance MAWISTA Student has been developed for foreigners who are staying in Germany for a limited period of time for educational and professional training purposes. MAWISTA Student is a premium-quality health insurance that is recognized by the German immigration authorities as sufficient health insurance coverage for the temporary residence permit in Germany.
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.
If you have questions about the MAWISTA Student international health insurance, our staff will be glad to assist you in person, via telephone or live chat. In case of claims, our emergency hotline is available 24 hours a day so that you can feel well-provided for in all locations.
Insurance period | Student 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 € |
Insurance period | Student 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 to observe in case of illness
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
In order for you to receive quick reimbursement from the insurance company, you need to supply us with the following information:
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:
Legally binding are the conditions of insurance of the Allianz Worldwide Partners, München. Download the terms and conditions MAWISTA Student Classic / Student Classic Plus or Student Comfort.
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:
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:
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.
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.
Our staff will be glad to inform you about a suitable MAWISTA follow-up contract.
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.
In order for you to receive quick reimbursement from the insurance company, you need to supply us with the following information:
“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.